Get Cashback Up to ₹1500: The Best Credit Cards for Cashback Offers in 2025
Get Cashback Up to ₹1500: The Best Credit Cards for Cashback Offers in 2025: In today’s world, credit cards have become an essential financial tool for many. With benefits like discounts, cashback, reward points, and even lounge access, people prefer credit cards that provide the best value for their spending. Among the numerous options available, three credit cards stand out in offering exceptional cashback benefits: the Cashback SBI Card, the Swiggy HDFC Bank Credit Card, and the HSBC Live Plus Credit Card. Let’s delve into the unique features and benefits of each card to understand why they are highly recommended for 2025.
Table of Contents
Cashback SBI Card
The Cashback SBI Card is one of the most sought-after credit cards for cashback enthusiasts. It provides attractive cashback offers for both online and offline transactions.
- Online Cashback: Cardholders earn 5% cashback on online purchases, with a maximum limit of ₹5,000 per cycle.
- Offline Cashback: For offline purchases, 1% cashback is provided.
- Fuel Benefits: A 1% fuel surcharge waiver is applicable at petrol pumps across India for transactions between ₹500 and ₹3,000, capped at ₹100 per month.
- Exclusions: Cashback is not available for specific categories, such as wallet loads, rental/property management, jewelry, education, utilities, insurance premiums, and railway transactions.
- Direct Cashback Credit: The cashback earned is credited directly to the cardholder’s SBI account within two working days after the monthly statement generation.
- Fees: A joining and annual fee of ₹999 plus tax is applicable.
While the card does not offer instant discounts during special sales on platforms like Amazon or Flipkart, its consistent cashback structure makes it an excellent choice for regular shoppers.
Read more: Cash Back Credit Cards – The Best 8 Cash Back Credit Cards 2024
Swiggy HDFC Bank Credit Card
For those who frequently dine out or order food, the Swiggy HDFC Bank Credit Card is a perfect match. It offers remarkable cashback on dining and more:
- Dining Cashback: Earn 10% cashback on all transactions made on the Swiggy app.
- Category-Wide Cashback: Cashback of up to 5% is also offered across other categories, including clothing, electronics, entertainment, personal care, medicine, local cabs, and online stores like Flipkart, Amazon, and Meesho.
- Maximum Cashback: Cardholders can earn a maximum cashback of ₹1,500.
- Complimentary Membership: Upon activation, users receive a complimentary Swiggy One membership, enhancing the value of this card.
- Fees: A joining and annual fee of ₹500 plus tax applies.
With its focus on dining and diversified cashback benefits, this card is ideal for those who love convenience and savings across multiple spending categories.
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HSBC Live Plus Credit Card
The HSBC Live Plus Credit Card is a versatile option designed to meet various spending needs, especially for food and grocery purchases.
- Dining and Grocery Cashback: Get 10% cashback on dining, food delivery, and grocery purchases, capped at ₹1,000.
- Additional Benefits: Cardholders enjoy four complimentary domestic airport lounge accesses per year (one per quarter), making it a great choice for frequent travelers.
- Exclusions: Cashback is not offered for utilities, rent, tax payments, property management fees, jewelry, insurance premiums, fuel, wallet loads, government payments, charity, toll fees, and wholesale club purchases.
- Annual Fee Waiver: The annual fee of ₹999 plus tax is waived if the cardholder spends ₹2 lakh or more in the previous year.
This card is an excellent option for individuals seeking cashback benefits alongside travel perks like lounge access.
Conclusion
Choosing the right credit card can significantly enhance your spending experience by offering valuable rewards and cashback. The Cashback SBI Card stands out for its generous online cashback benefits, the Swiggy HDFC Bank Credit Card is perfect for food lovers and shoppers, and the HSBC Live Plus Credit Card combines dining cashback with travel benefits. With these three credit cards, you can enjoy savings, convenience, and rewards while maximizing the value of every rupee spent.
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