The Best Cashback Credit Cards for Everyday Expenses

Credit cards have become a part of daily life, especially when it comes to saving money while spending. Many people now use cashback credit cards to save on things like groceries, fuel, online shopping, and even mobile bills. These cards give you back a small amount of money when you spend, which adds up over time.

If you’re looking to make your day-to-day spending more rewarding, this article will help you find the best cashback credit cards for everyday expenses. These cards help you get some money back while spending on your regular needs like food, travel, utility bills, and more.

Top Cashback Credit Cards for Everyday Expenses

Let’s look at some of the best cashback credit cards for everyday expenses available in India. These cards are easy to use, and you can apply for them based on your income and needs.

HDFC Millennia Credit Card

Best for: Online shopping and food delivery

• Cashback Benefits:
  • 5% cashback on Amazon, Flipkart, Swiggy, Zomato (via PayZapp and SmartBuy)
  • 1% cashback on all other spends
• Annual Fee: ₹1,000 (waived on ₹1 lakh yearly spend)
• Why it’s good: It’s great for youngsters who spend mostly on online shopping and food delivery apps.

This card is a good option if you’re looking to save on your everyday online expenses with cashback.

Axis Bank Ace Credit Card

Best for: Utility payments and mobile recharges

• Cashback Benefits:
  • 5% cashback on bill payments and recharges via Google Pay
  • 4% cashback on Swiggy, Zomato, and Ola
  • 2% cashback on other expenses
• Annual Fee: ₹499 (waived on ₹2 lakh yearly spend)
• Why it’s good: It gives high cashback on utility bills and mobile recharges, which are regular monthly expenses.

For people who use Google Pay and order food often, this is one of the top cashback credit cards for everyday expenses.

Amazon Pay ICICI Credit Card

Best for: Amazon shoppers

• Cashback Benefits:
  • 5% cashback for Prime members on Amazon
  • 3% cashback for non-Prime members
  • 2% cashback on partner merchants
  • 1% cashback on all other spends
• Annual Fee: Free for lifetime
• Why it’s good: No joining or annual fee, and high cashback on Amazon purchases.

If you regularly shop from Amazon, this card is one of the best cashback credit cards for everyday expenses.

Flipkart Axis Bank Credit Card

Best for: Flipkart and lifestyle purchases

• Cashback Benefits:
  • 5% cashback on Flipkart, Myntra, and 2GU
  • 4% cashback on Swiggy, Uber, and PVR
  • 1.5% cashback on all other spends
• Annual Fee: ₹500 (waived on ₹2 lakh yearly spend)
• Why it’s good: You save more while shopping for clothes, gadgets, and food delivery.

This card is suitable for people who shop on Flipkart and dine out often. It easily counts as one of the good cashback credit cards for everyday expenses.

SBI Cashback Credit Card

Best for: Online shopping across various websites

• Cashback Benefits:
  • 5% cashback on online shopping (except some categories like fuel, rent, etc.)
  • 1% cashback on other spends
• Annual Fee: ₹999 (waived on ₹2 lakh yearly spend)
• Why it’s good: Works on most online sites, not just specific ones.

If you shop online from multiple platforms, this card offers flexibility and makes daily purchases more rewarding. It’s one of the reliable cashback credit cards for everyday expenses.

HSBC Cashback Credit Card

Best for: General shopping and fuel

• Cashback Benefits:
  • 1.5% cashback on online spending
  • 1% cashback on all other expenses
• Annual Fee: ₹750 (waived on ₹1 lakh yearly spend)
• Why it’s good: Simple cashback system with no complex terms.

This card is simple and helpful for those who don’t want to keep track of multiple categories. It’s ideal for those who want a no-hassle cashback credit card for everyday expenses.

Why Use Cashback Credit Cards for Everyday Expenses?

Using a cashback credit card for everyday expenses is like getting rewarded for your regular spending. Whether you’re buying groceries, paying electricity bills, booking a cab, or dining out, these cards help you save money.

Instead of using cash or debit cards, using a cashback credit card for everyday expenses lets you:

• Earn rewards on all types of spending
• Track expenses better through credit card statements
• Get automatic cashback without extra effort
• Save more in the long run

These small savings can make a big difference when added up over a few months.

Tips to Choose the Right Cashback Credit Card

Here are some things to keep in mind when selecting a cashback credit card for everyday expenses:

• Check your spending habits: If you shop more online, go for cards that give cashback on websites like Amazon or Flipkart.
• Look at the cashback rate: Higher cashback percentages on your regular spending categories will save you more.
• Watch for hidden charges: Always check if there’s an annual fee and whether it can be waived.
• Check partner apps: Some cards give more cashback only when used via specific apps like Google Pay or PayZapp.

Choosing the right cashback credit card for everyday expenses depends on where and how you usually spend your money.

Also Read:- IDFC FIRST Bank Credit Card for Shopping Rewards

Bottom Line

Having the right cashback credit card for everyday expenses helps you save more without changing your spending habits. Whether it’s paying your bills, ordering food, or shopping online, the cashback earned makes your regular expenses more rewarding.

The credit cards mentioned above are some of the best in India when it comes to getting cashback on daily expenses. Always read the terms, and use the card smartly to get the most out of it. With the right card in your wallet, even the smallest purchases can give you something back.