Cashback credit cards have become increasingly popular due to their ability to reward users for everyday transactions. Banks have introduced cards tailored to this segment, offering cashback benefits for online shopping, dining, and more. Let’s explore the key features of the top three cashback credit cards for 2025 and determine which one might suit you best.

1. Cashback SBI Card

The Cashback SBI Card is ideal for those who frequently shop online. Its straightforward structure focuses on cashback rewards rather than reward points or discounts.

Key Features:

• Cashback:
  • 5% on online spends (up to ₹5,000 per billing cycle).
  • 1% on offline spends.
  • Exclusions: Wallet loads, rent, fuel, utilities, insurance, railway transactions, etc.
• Fuel Benefit: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum ₹100 per month).
• Fees: ₹999 annual fee (waived on ₹2 lakh annual spends).
• Payout: Cashback credited within two working days after the statement is generated.

Who Should Get It?
If you prioritize online shopping and cashback over discounts or reward points, this card is an excellent option.

2. Swiggy HDFC Bank Credit Card

Designed for food lovers and frequent users of the Swiggy App, this card offers significant savings on food delivery and other categories.

Key Features:

• Cashback:
  • 10% on Swiggy App transactions (food delivery, Instamart, Dineout, etc.), capped at ₹1,500 per billing cycle.
  • 5% on select online spends (e.g., Amazon, Flipkart, Ajio), capped at ₹1,500 per billing cycle.
  • 1% on other transactions, capped at ₹500 per billing cycle.
• Membership Perk: Complimentary 3-month Swiggy One membership.
• Fees: ₹500 annual fee (waived on ₹2 lakh annual spends).
• Offer: Lifetime free card available until 31st December 2024 for select applications.

Who Should Get It?
If you frequently order from Swiggy or shop online across various platforms, this card can save you up to ₹42,000 annually.

3. HSBC Live+ Credit Card

The HSBC Live+ Credit Card stands out for its flexibility, offering cashback across dining, food delivery, and groceries, regardless of the platform.

Key Features:

• Cashback:
  • 10% on dining, food delivery, and groceries (capped at ₹1,000 per billing cycle).
  • 1.5% unlimited cashback on other spends.
  • Exclusions: Utilities, rent, jewellery, insurance, wallet loads, etc.
• Travel Benefit: Four complimentary domestic airport lounge visits annually.
• Fees: ₹999 annual fee (waived on ₹2 lakh annual spends).

Who Should Get It?
If you prefer dining or shopping across multiple platforms (not restricted to Swiggy or Zomato), this card offers unmatched flexibility.

Which Card is Best for You?

There’s no one-size-fits-all answer, as the best cashback card depends on individual preferences:

• Cashback SBI Card: Ideal for those focusing on general online shopping.
• Swiggy HDFC Bank Credit Card: Best for Swiggy App users and online shoppers.
• HSBC Live+ Credit Card: Great for dining and grocery spends across various platforms.

While the HSBC Live+ Credit Card offers flexibility, its availability is limited to select cities and salaried individuals. On the other hand, the Cashback SBI and Swiggy HDFC Bank cards are more accessible across cities for salaried and self-employed individuals.

Other Notable Options

Apart from the top three, consider cards like the Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank Credit Card, or Tata Neu HDFC Bank Credit Card, which cater to specific needs.

Final Tips

When selecting a cashback credit card, consider:

• Your spending habits (e.g., dining, groceries, online shopping).
• Annual fee and potential waivers.
• Accessibility in your city and profession.

The best cashback credit card for you is the one that aligns with your spending patterns and maximizes your savings across the categories you value most.

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