“A credit card should work for you — not the other way around.” – Suze Orman
What Is The Best Credit Card For Rewards In 2025?: In a rapidly evolving financial world, choosing the right credit card for rewards can be overwhelming. With so many cards offering cashbacks, travel points, and shopping benefits, the key is to align your lifestyle with the card’s reward structure.
According to Groww, reward-based credit cards in 2025 have become smarter, offering up to 10% cashback, reward points, and travel benefits across categories. Let’s explore the top contenders and how to find the best card tailored to your needs.
Top Reward Credit Cards In 2025
1. SBI Cashback Credit Card
One of the top-ranked in Trade Brains, the SBI Cashback Card is ideal for online shoppers.
Key Highlights:
- 5% cashback on online spends (excluding rent & wallet loads)
- 1% cashback on offline transactions
- No merchant restrictions for cashback
- Annual fee: ₹999 (reversed on ₹2L spend)
In 2025, SBI Cashback cardholders reported ₹1,500 average monthly cashback, making it a solid choice for digital buyers.
2. HDFC Millennia Credit Card
The HDFC Millennia Card continues to dominate among young earners, offering value for both shopping and travel.
Benefits:
- 5% cashback on Amazon, Flipkart, and hotel bookings
- 1% cashback on all other spends
- Fuel surcharge waiver up to ₹250/month
- Annual fee: ₹1,000 (waived at ₹1L spend)
As per 1Finance, HDFC Millennia users earned up to ₹8,000 yearly in rewards in 2024–2025.
3. Axis Bank Magnus Credit Card
If luxury and travel are priorities, the Axis Magnus card is unmatched.
Features:
- Complimentary international lounge access
- ₹10,000 worth welcome benefits
- Accelerated EDGE reward points on premium spending
- Annual fee: ₹12,500
Despite its high fee, it’s rated one of the best premium reward cards by LiveMint, especially for high-income professionals.
Choosing The Best Card Based On Lifestyle
The best rewards card is not a one-size-fits-all solution. Here’s a simple breakdown:
| Lifestyle Type | Best Card Suggestion | Why? |
| Online Shoppers | SBI Cashback Card | 5% cashback on digital spends |
| Travel Enthusiasts | Axis Magnus Credit Card | Premium travel perks |
| Daily Use & Retail | HDFC Millennia Credit Card | Versatile cashback on essentials |
In 2025, 63% of credit card users in India prefer cashback/reward cards, highlighting the shift from basic cards to value-driven products (Groww).
Conclusion
So, what is the best credit card for rewards in 2025? It truly depends on your lifestyle. Whether you’re a budget-conscious shopper or a globetrotter, there’s a rewards card that fits your needs. Evaluate your monthly spend, annual fee tolerance, and reward preferences before making your choice.
FAQs
What Makes A Credit Card “Best” For Rewards?
The best rewards credit card offers high value on categories you spend most on—like shopping, travel, or groceries.
Are Reward Points Better Than Cashback?
It depends. Cashback offers immediate value, while points can be redeemed for travel, merchandise, or gift cards.
Do Reward Credit Cards Have Annual Fees?
Yes, most do. But many waive the fee if you hit annual spending thresholds.
Can I Get A Rewards Card With A Low Credit Score?
Most top rewards cards require a good credit score (700+). Consider entry-level cards if your score is lower.
How Do I Redeem Credit Card Rewards?
Redemption options include cashback credit, flight/hotel bookings, vouchers, or product catalogs through your card issuer’s portal.
Which Card Offers The Best Travel Rewards?
Axis Magnus is among the best for travel in 2025, offering lounge access and luxury benefits.
Should I Have Multiple Reward Cards?
Yes, as long as you can manage them responsibly. Different cards optimize different spending categories.