Today I am going to tell you about the Best Credit Card Loan Offers and 7 most amazing credit cards of 2025. These cards will give you cashback and rewards on your daily expenses in such a simple way that you will not need to understand anything complicated.
Whether you shop online, pay through UPI, or make other purchases, there is something for everyone here. Let’s get started and look at these cards, from the best to those that need improvement.
The Credit Card Scene Has Changed Now
Five years ago, the Amazon Pay ICICI credit card was on top. But now in 2025, things have changed a lot. Quick commerce apps like Blinkit and Zepto deliver goods home in 20–30 minutes. Offline shops have also become as competitive as online ones.
Now, most payments are done through UPI, and credit cards offer rewards not just for online shopping but also for UPI transactions, food delivery, and even buying gold. Let’s check out these 7 cards one by one.
Top 7 Credit Cards: A Glimpse
| Credit Card | What is Special? |
|---|---|
| Amazon Pay ICICI | 5% cashback on Amazon (for Prime users), free, but used less now |
| CrediPay Yes Bank | 2% cashback on UPI, free, ₹1000 joining bonus |
| Axis As | 5% on bill payments, 4% on Swiggy/Zomato/Ola, but only up to ₹500 cashback |
| HDFC Swiggy | 10% cashback on Swiggy (up to ₹1500), 5% on online spends, 12 free golf lessons |
| Tata Neu Infinity | 5% cashback on Tata brands (Tanishq too), ₹1499 fee (may be waived) |
| SBI Cashback | 5% on online spends (up to ₹5000), 1% on offline, ₹999 fee (may be waived) |
| HDFC Millennia | 5% cashback at select stores, 1% at others, ₹1000 fee (may be waived) |
1. Amazon Pay ICICI Credit Card
If you are an Amazon Prime member, this card gives 5% cashback on Amazon shopping, with no limit. It is completely free. However, quick commerce apps like Blinkit sometimes offer better prices, reducing its relevance. Example: An air fryer for ₹4600 on Blinkit versus ₹4800 on Amazon.
Rating: Needs improvement
2. CrediPay Yes Bank Credit Card
Best for UPI users. Free card with 2% cashback on UPI payments without limit. Also rewards on bill payments and insurance. ₹1000 joining bonus if applied through select channels. Cashback can be redeemed via vouchers or bill payments in the CrediPay app.
Rating: Gold
3. Axis As Credit Card
Offers 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato, and Ola, and 1.5% on everything else. The downside is the ₹500 monthly cashback cap. For Axis Bank fans, Axis Atlas may be a better choice.
Rating: Needs improvement
4. HDFC Swiggy Credit Card
Ideal for Swiggy and quick commerce users. 10% cashback on Swiggy food orders, dine-out, and quick commerce (up to ₹1500 per month). 5% on other online spends. Cashback is auto-adjusted to next month’s bill. Includes 12 free golf lessons and free dining at select venues.
Rating: Gold
5. Tata Neu Infinity Credit Card
Perfect for Tata brand shoppers like Croma, BigBasket, Starbucks, and Tanishq. 5% cashback, including on gold purchases. 1.5% cashback on other spends. ₹1499 annual fee waived on ₹3 lakh yearly spend.
Rating: Gold
6. SBI Cashback Credit Card
Straightforward benefits: 5% cashback (up to ₹5000 monthly) on all online shopping without store restrictions. 1% cashback on offline spends. ₹999 fee waived on ₹2 lakh yearly spend.
Rating: Platinum
7. HDFC Millennia Credit Card
5% cashback (up to ₹1000 monthly) on 10 select stores like Amazon, Flipkart, and Swiggy. 1% on other spends. ₹1000 fee waived on ₹1 lakh yearly spend. Limited store coverage and lower cashback cap make it less attractive compared to SBI Cashback.
Rating: Basic
Which Card to Choose?
- For UPI: CrediPay Yes Bank
- For Swiggy or Tata brands: HDFC Swiggy or Tata Neu Infinity
- For cashback on all online spends: SBI Cashback
FAQs
Are all cards free?
No. Amazon Pay ICICI and CrediPay Yes Bank are free. Others have annual fees that can be waived with minimum spending.
Best card for UPI?
CrediPay Yes Bank – 2% cashback with no cap.
Is Amazon Pay ICICI still good?
Only if you spend mainly on Amazon.
Difference between SBI Cashback and HDFC Millennia?
SBI Cashback has no store restriction and higher monthly cap.
Is Tata Neu Infinity good for gold?
Yes, 5% cashback on Tanishq gold purchases.
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