5 Best Cashback Credit Cards for Daily Spends like Groceries, Utility Bills, Fuel, etc.

Not everyone dreams of airport lounges or some luxury travel rewards when thinking of credit cards. Some just want to save real money on monthly bills and fuel fill-ups. 

Although “Air Miles”, “Rewards” and “points” sound fancy, there’s something equally practical about cashback credit cards that cut our monthly expenses today, not someday.

Whether you’re a young adult just starting or a family counting every expense, the best cashback credit cards offer real money back into your pocket. There will be no complicated reward points that you need to calculate and research, and no wondering if that "amazing" reward is actually worth it.

It's a practical lifeline that makes your day-to-day spending more economical.

When you're spending money on necessities anyway, like online shopping, utility, and fuel, you might as well earn cashback for it? The right credit card can genuinely lower your cost of living, turning your everyday purchases into automatic savings.

Let's look at which card will get you the maximum cashback.

Why Cashback Cards Are Perfect for Daily Expenses?

• Gives back instant value. Like how getting ₹500 back on a grocery purchase = one free pizza night!
• Simple math, no hassle for point conversion. ₹10,000 spend with 2% cashback rate = ₹200 saved. Done.
• Real spending. You already spend on regular bills, online shopping, and fuel transactions, so you save on what you spend

In short, getting maximum cashback on everyday purchases beats complex point calculations every time. So yeah, let’s cut to the chase and see which top cashback credit cards REALLY give us the maximum cashback on our routine purchases

Best Cashback Cards in India (2025’s Top Picks)

1. HDFC Millennia Credit Card

• Issued by: HDFC Bank
• Annual / Joining fee:  ₹1,000 + taxes (joining/renewal), renewal charges waived on ₹1,00,000 annual spends (calendar year) 
• Card Network: Visa / Mastercard 
• Category: Cashback credit, Online Shopping, monthly bills, and everyday purchases
• Income Eligibility: Salaried: typically ₹35,000+ net monthly income | Self-employed: ITR ≥ ₹6 lakh p.a. (bank criteria apply)

Benefits

Perfect for heavy online shoppers who want to maximize cashback on everyday purchases without jumping through hoops.

• 5% cashback on the apps you already use (Amazon, Flipkart, Swiggy, Myntra, Uber, Zomato) 
• 1% back on everything else you buy
• 50-day interest free period – pay later without stress
• Fuel surcharge waiver saves you ₹250 every month at the pump
• Get ₹1,000 gift vouchers every quarter as a bonus on hitting ₹1 Lakh spending

HDFC Millennia Credit Card — why pick this card for cashback?

2. Axis Ace Credit Card

• Issued by: Axis Bank
• Annual / Joining fee: ₹499 + taxes (Joining/Renewal) Renewal fee waived on ₹2,00,000 annual spend 
• Card Network: Visa
• Category: Cashback credit, bill payment, utility spends, Dining & Rides
• Income Eligibility: identity proof, address proof, and income proof.

Benefits

Perfect if you're already paying regular bills through Google Pay and love food delivery. Easy money back on your inevitable spends.

• 5% back on Google Pay bill payments, your phone and electricity bills just got cheaper
• 4% cashback on food delivery (Swiggy/Zomato) or cab rides (Ola)
• 1.5% on everything else you buy
• Free airport lounge access 4 times a year (because why not?)
• Fuel surcharge waiver saves you ₹500 monthly at petrol pumps

Why Axis Ace Credit Card?

• High returns on bill payment & recharges via Google Pay; great for utility bills.
• Elevated cashback on Swiggy/Zomato/Ola; steady base on other online spends.
• Simple, “use it everywhere” habit credit card among cashback credit cards.
• Easy to pair with a fuel card to maximize cashback credit.

3. Amazon Pay ICICI (Lifetime Free Credit Card)

• Issued by: ICICI Bank in partnership with Amazon Pay
• Annual / Joining fee: Lifetime free credit card
• Card Network: Visa
• Category: Cashback credit, Online Shopping, online and e-commerce orders
• Income Eligibility: Salaried: ₹20,000+/month; Self-employed: ₹3.6 lakh+ p.a

Benefits

Made for Amazon addicts who want maximum cashback on online shopping without paying membership fees.

• 5% back on Amazon for every purchase, every time 
• 2% cashback on Amazon Pay partner stores like Big Bazaar, More, Pantaloons
• 1% on everything else including essential expenses and online spends
• LTF credit card (zero annual/renewal fees)

Why Amazon Pay ICICI Credit Card?

• Serious money back for online shoppers on AMazon and Amazon Pay merchant
• No hidden costs or renewal charges while earning cashback benefits forever
• Perfect for heavy online transactions without worrying about annual fees

4. SBI BPCL Octane Credit Card (Fuel Focused Credit Card)

• Issued by: SBI Card in partnership with BPCL 
• Annual / Joining fee: ₹499 initial fee; ₹499 annual fees (waived on ₹1 lakh annual spends) 
• Card Network: Visa/Mastercard 
• Category: Fuel transactions, Cashback credit, Utility bills
• Income Eligibility: Salaried: ₹30,000+/month; Self-employed: ₹6 lakh+ p.a

Fuel cashback and related benefits:

Ideal if you are a heavy driver and have huge fuel spends every month.

• 1% cashback on fuel transactions at BPCL pumps (₹4,000 monthly cap).
• 10X reward points on BPCL spends = serious savings for daily commuters.
• 1% fuel surcharge waiver across all petrol pumps (₹100 monthly cap).
• 5% cashback on utility spends and telecom recharges.

Why SBI BPCL Octane Credit Card?

• 1% cashback on fuel plus 10X reward points at BPCL, double savings for daily commuters.
• 5% back on monthly bills automatically makes your monthly expenses cheaper.
• Fuel surcharge waiver across all pumps saves ₹100 monthly on unavoidable driving costs.
• Best cashback credit card if fuel is your most significant monthly expense.

5. IDFC FIRST Classic / Select

• Issued by: IDFC FIRST Bank 
• Annual / Joining fee: Lifetime free credit card 
• Card Network: Visa 
• Category: Cashbacks, International transactions, Everyday purchases 
• Income Eligibility: Classic - Salaried: ₹25,000+/month; Select - Salaried: ₹40,000+/month; Self-employed: ₹4 lakh+ p.a

Benefits of IDFC First Classic/Select Credit Card

Great all-rounder for people who want decent cashback rewards on everyday purchases without category restrictions.

• 1.5% cashback on absolutely everything from groceries, online payments, utility expenses
• 10X reward points on dining and entertainment (weekends only for Classic)
• Zero forex markup on international transactions – travel without bleeding money
• LFT Credit card with simple eligibility criteria
• Welcome bonus ₹500 cashback on first transaction

Why IDFC First Classic / Select?

• 1.5% cashback on everything, no restrictions on category
• Zero forex fees on international transactions 
• LTF with simple eligibility criteria, so you earn cashback credit and rewards without membership fees
• 10X dining points on weekends make your social life cheaper too!

What Reddit Users Say About These Cashback Credit Cards (Real Voices)

Now, now, pull up a chair. I went down the rabbit hole (again) so you didn’t have to. Below is a gist of what buddies from Reddit are saying about these cashback Credit cards, without all that marketing and advertisement fluff. 

We have come down to these two Credit Cards.

Among most users, Amazon Pay ICICI is consideredIt's the overall winner. It's highly upvoted as an actual LTF credit card, a go-to for beginners

A clean LTF credit card, made for online shopping and purchases with simple reward points and cashback credit.

One of our Reddit folks said the following about Amazon Pay ICICI Credit Card:

Comment
byu/dankdeath0 from discussion
inCreditCardsIndia

The Axis Bank Ace credit card is widely recognized as the “tidy bill buster”. Offering instant rewards, cashback, and credit statement access, Axis Bank Ace credit card is the best cashback credit card for utility payments on G-Pay. A user explains how they benefit from Ace’s 5% on GPay + reasonable rates on food & grocery.

Comment
byu/PicklePasta69 from discussion
inCreditCardsIndia

P.S. If you specifically want UPI-on-credit, look at a RuPay credit card; and if you’re loyal to HDFC Bank, compare an HDFC Bank credit card lineup for a cashback credit option that fits your pattern.

Quick Credit Card Cashbacks Comparison (TL;DR)

• Amazon Pay ICICI → Best overall, free forever.
• Axis Ace → Best for utilities + bills.
• SBI BPCL Octane → Best for fuel.
• HDFC Millennia → Best for online shopping + bills.
• IDFC FIRST Select → Safe all-rounder, LTF.

How to Pick Your Best Cashback Credit Card?

• If you shop online (Amazon/Flipkart), go with Amazon Pay ICICI or HDFC Millennia.
• If you pay bills/recharges often keep Axis Ace handy.
• If fuel is your biggest cost: SBI BPCL Octane.
• If you want one safe all-rounder: IDFC FIRST Select.

Annual Fees and Hidden Charges That Kill Your Cashback Rewards

The sneaky costs that can potentially eat your earnings:

Many Credit cards offer ₹0 annual fees if you spend (for example) ₹1.5 lakh using the Credit card yearly. 

Reality check: that's ₹12,500 monthly spending just to avoid a ₹500 fee

Your “lifetime free credit card” suddenly charges ₹999 in year two because you missed the fine print about minimum transaction requirements? Be careful while reading bank documents.

The 3.5% extra on international transactions can wipe out months of cashback credit benefits from one vacation

Using your cashback credit cards at ATMs costs 2.5% + ₹500. 

Your 2% cashback rate just went negative

Miss one credit card bill deadline and pay ₹1,200+ penalty. 

There goes three months of bonus cashback to nothing

Crossed your credit limit by ₹1? Pay ₹500+ penalty that kills your monthly maximum cashback. Your smart move here would be to calculate if your actual cashbacks exceed all these hidden costs. Sometimes a simple zero annual fee Credit card beats a "premium" one.

Why Cashback Credit Beats Premium Cards for Daily Life?

• You don't need expensive premium cards to save money on daily spends.

• Maximize cashback by splitting regular expenses, online purchases, and fuel transactions across different cashback credit cards.

• Even basic LTF credit card options can cut ₹500-₹1,000 from monthly expenses.

• Best cashback credit cards give instant value on grocery shopping, utility spends, and online transactions you're already making.

• No complicated reward points conversions just real money back in your credit card account.

Bottom line: Cashback rewards work better than points for everyday purchases. If points are for dreamers, cashback credit is for realists who want to earn cashback on utility expenses and online spends immediately.

Perfect for anyone wanting maximum cashback without paying hefty annual fees or membership fees.

Frequently Asked Questions on the Best Cashback Credit Cards in India

Q1. How do I choose the best cashback credit card for my spending habits?Start with your actual spends, utility expenses, fuel, food delivery, online purchases. 

Pick the card with the highest cashback rate on those eligible spends and ignore shiny perks that you probably won’t use.

Q2. What documents do I need for card issuance?Keep income proof (salary slips/ITR) and address proof (Aadhaar/passport) handy. 

If the eligibility criteria are simple, issuance is usually quick.

Q3. When do I start earning cashback?Right after card activation. 

Your cashback shows up on the credit card statement at the end of the statement cycle and knocks down your outstanding balance.

Q4. Can I earn cashback on all my utility expenses?Mostly yes, but there are caps and exclusions. 

For Example: Axis ACE gives 5% via GPay, capped at ₹500 per cycle. So plan the big pays accordingly.

Q5. How do fuel transactions work?Think of surcharge waiver more than about pure cashback. SBI BPCL converts points to fuel, always check the maximum waiver and where you refuel.

Q6. What if I miss paying my outstanding balance?Interest snowballs and wipes out your rewards. 

Pay in full by the due date or just set autopay/UPI mandate and relax.

Q7. Can I use these cards for food delivery apps?Yep. Many cards boost food delivery at preferred merchants like Swiggy/Zomato are great for weekend ordering.

Q8. Are there maximum transaction limits for cashback?Usually yes, per statement cycle. 

For instance, Axis ACE caps the 5% bucket at ₹500 and spread spends across cycles if needed.

Q9. Do I get zero liability if my card is lost?First, you should report it immediately. 

Most issuers offer zero liability on fraudulent spends after reporting, so turn on app/SMS alerts and act fast.