Best Cashback credit card 2025

[dtechie]

Guys, i need your help. I want to identify best cashback credit card with either more or no cap limit i mean suggest what transaction i should do by which credit card to get maximum cashback ?

Here are my monthly and annual transaction:

Monthly Transactions (Recurring Every Month):​

Category	Amount (₹)	Notes ( Online transaction or offline transaction )
Electricity Bill	₹2,500	Online
Groceries	₹6,000	Offline
Fuel	₹450	Offline
Mahanagar Gas	₹350	Online
Society Maintenance	₹7,000	Bank transfer
Miscellaneous	₹3,000	₹1,500 Online , ₹1,500 Offline . [ it can be any combination. just buffer ]

Annual Transactions (Once a Year):​

Category	Amount (₹)	Notes ( Online transaction or offline transaction )
Mediclaim	₹18,000	Online
School Fee	₹68,000	Online
School Uniform	₹3,000	Offline

Extra over Miscellanous any Unthoughtfull expense in year :

Rs5000-7000 - Can be offline or online


List of Credit Card that i have currently ( all are LifeTime FREE ):
1) Flipkart axis bank
2) ICICI Amazon
3) Indus Legend
4) One Card
5) HDFC Dinner Black
6) Kiwi card

 

[TaxWiser]

Guys, i need your help. I want to identify best cashback credit card with either more or no cap limit i mean suggest what transaction i should do by which credit card to get maximum cashback ?

Here are my monthly and annual transaction:

Monthly Transactions (Recurring Every Month):​

Category	Amount (₹)	Notes ( Online transaction or offline transaction )
Electricity Bill	₹2,500	Online
Groceries	₹6,000	Offline
Fuel	₹450	Offline
Mahanagar Gas	₹350	Online
Society Maintenance	₹7,000	Bank transfer
Miscellaneous	₹3,000	₹1,500 Online , ₹1,500 Offline . [ it can be any combination. just buffer ]

Annual Transactions (Once a Year):​

Category	Amount (₹)	Notes ( Online transaction or offline transaction )
Mediclaim	₹18,000	Online
School Fee	₹68,000	Online
School Uniform	₹3,000	Offline

Extra over Miscellanous any Unthoughtfull expense in year :

Rs5000-7000 - Can be offline or online


List of Credit Card that i have currently ( all are LifeTime FREE ):
1) Flipkart axis bank
2) ICICI Amazon
3) Indus Legend
4) One Card
5) HDFC Dinner Black
6) Kiwi card

Category​	Amount (₹)​	Best CCs​ (Existing/New)	Cashbacks/Reward Rate​	Key Notes​
Electricity Bill	2500​	Airtel Axis (New)	10% via Airtel Thanks App	₹250/mo cap; pay via Airtel app for max benefit
Groceries (Offline)	6000​	HSBC Live+ (New)	10% at supermarkets	₹1,000/mo cap; if not available, use OneCard (10%)
Fuel	450​	You are better off using a regular card that gives a surcharge waiver or just paying by UPI/cash at the pump	1% Fuel Surcharge/UPI app cashback (Navi/Supermoney)	No fuel credit card is cost-effective for your current fuel spend.
Mahanagar Gas	350​	Axis Ace/Tata Neu Infinity RuPay (New)	5% cashback	Airtel Axis is fully utilized in electricity Bill there you will get max 5% cashback using this CCs
Society Maintenance	7000​	Kiwi(Existing)/Tata Neu Infinity RuPay (New)	2% UPI cashback/1.5% Tata Neu Coins via Tata Neu app	Requires Merchant QR & ₹999/1499 annual fee
Misc. Online	1500​	SBI Cashback/Swiggy HDFC/Tata Neu Infinity RuPay (New)	5% Cashback/5% cashback/upto 10% Neu Coins via Tata Neu app	SBI Cashback & Swiggy HDFC Excludes utilities, insurance, rent, etc. Tata Neu Infinity Excludes rent
Misc. Offline	1500​	Yes PaisaSave/Tata Neu Infinity (New)	1.5% unlimited cashback	Good for all offline/UPI spends
Mediclaim (Annual)	18000​	HDFC Dinners Black (Existing)	33.3% via SmartBuy (if eligible)	Redeem for flights/hotels for max value
School Fee (Annual)	68000​	HDFC Dinners Black (Existing)	33.3% via SmartBuy (if eligible)	Redeem for flights/hotels for max value
School Uniform (Annual)	3000​	Yes PaisaSave/Tata Neu Infinity (New)	1.5% unlimited cashback	Use for all miscellaneous offline spends
Extra Unexpected (Annual)	5000 - 7000​	SBI Cashback/Yes PaisaSave/Tata Neu Infinity RuPay (New)	5% online / 1.5% offline/1.5%-10%(Both) via Tata Neu app	Use best-fit card based on transaction type

Final Recommendations:

• Check payment channels: Always use the specified app/merchant (Airtel App, Tata Neu app, supermarket, Tata Stores, SmartBuy, etc.) for maximum benefit.
• Avoid ineligible spends: Don’t expect cashback on wallet loads, rent, insurance, government, or education & P2P UPI payments.
• Monitor caps: Your mapped spends are generally below the cashback caps for these cards.

This mapping ensures you won’t miss out on cashback due to category exclusions or caps, and all your main expenses are covered with the most cost-effective cards. However, please double-check the details from your side, as errors are inevitable.

(Source: Personal Experience, Gemini AI, YouTube)

 

[dtechie]

Category​	Amount (₹)​	Best CCs​ (Existing/New)	Cashbacks/Reward Rate​	Key Notes​
Electricity Bill	2500​	Airtel Axis (New)	10% via Airtel Thanks App	₹250/mo cap; pay via Airtel app for max benefit
Groceries (Offline)	6000​	HSBC Live+ (New)	10% at supermarkets	₹1,000/mo cap; if not available, use OneCard (10%)
Fuel	450​	You are better off using a regular card that gives a surcharge waiver or just paying by UPI/cash at the pump	1% Fuel Surcharge/UPI app cashback (Navi/Supermoney)	No fuel credit card is cost-effective for your current fuel spend.
Mahanagar Gas	350​	Axis Ace/Tata Neu Infinity RuPay (New)	5% cashback	Airtel Axis is fully utilized in electricity Bill there you will get max 5% cashback using this CCs
Society Maintenance	7000​	Kiwi(Existing)/Tata Neu Infinity RuPay (New)	2% UPI cashback/1.5% Tata Neu Coins via Tata Neu app	Requires Merchant QR & ₹999/1499 annual fee
Misc. Online	1500​	SBI Cashback/Swiggy HDFC/Tata Neu Infinity RuPay (New)	5% Cashback/5% cashback/upto 10% Neu Coins via Tata Neu app	SBI Cashback & Swiggy HDFC Excludes utilities, insurance, rent, etc. Tata Neu Infinity Excludes rent
Misc. Offline	1500​	Yes PaisaSave/Tata Neu Infinity (New)	1.5% unlimited cashback	Good for all offline/UPI spends
Mediclaim (Annual)	18000​	HDFC Dinners Black (Existing)	33.3% via SmartBuy (if eligible)	Redeem for flights/hotels for max value
School Fee (Annual)	68000​	HDFC Dinners Black (Existing)	33.3% via SmartBuy (if eligible)	Redeem for flights/hotels for max value
School Uniform (Annual)	3000​	Yes PaisaSave/Tata Neu Infinity (New)	1.5% unlimited cashback	Use for all miscellaneous offline spends
Extra Unexpected (Annual)	5000 - 7000​	SBI Cashback/Yes PaisaSave/Tata Neu Infinity RuPay (New)	5% online / 1.5% offline/1.5%-10%(Both) via Tata Neu app	Use best-fit card based on transaction type

Final Recommendations:

• Check payment channels: Always use the specified app/merchant (Airtel App, Tata Neu app, supermarket, Tata Stores, SmartBuy, etc.) for maximum benefit.
• Avoid ineligible spends: Don’t expect cashback on wallet loads, rent, insurance, government, or education & P2P UPI payments.
• Monitor caps: Your mapped spends are generally below the cashback caps for these cards.

This mapping ensures you won’t miss out on cashback due to category exclusions or caps, and all your main expenses are covered with the most cost-effective cards. However, please double-check the details from your side, as errors are inevitable.

(Source: Personal Experience, Gemini AI, YouTube)

OneCard is deep shit for groceries , they say 10% but if you read offer detail they mention upto Rs50 . People just fall in trap reading 10%

 

[krishna1718]

sbi cashback 5 % upto 5000/m for online spends and on utilities and insurance through amazon pay gift card technique - Amc 1180
airtel axis for utility 10 % upto 250/m and 25% upto 250/m airtel recharges, dth, fiber - Amc 590
Idfc First earn Rupay fd card for 1% upto 500/m on fuel, society, education and medical - Amc 590 only card that offer cashback on such spends
Kotak 811 super debitcard - 5 % upto 500/m on pos/offline - Amc 300. Total you will pay 2660 / year - atleast you can save 10k to 15 k every year