9 BEST Entry Level CASHBACK Credit Cards for 2025!

Summary

In this video, the presenter highlights nine of the best entry-level cashback credit cards to own in 2025. These cards offer excellent rewards on various everyday purchases, from Amazon and Swiggy to utility bills and travel. Some of the top picks include the Amazon Pay ICICI, Swiggy HDFC, and SBI Cashback cards. Many of these cards come with lifetime-free options or low annual fees, making them accessible for beginners. The video also covers exclusive perks, cashback rates, and tips on how to maximize benefits, with detailed reviews linked in the description.

Takeaways

• 😀 Amazon Pay ICICI Card is a beginner-friendly, lifetime free credit card offering up to 5% cashback on Amazon purchases (Prime members).
• 😀 Swiggy HDFC Credit Card provides 10% cashback on Swiggy orders and 5% cashback on top online merchants like Amazon and Flipkart.
• 😀 Airtel Xclusive Credit Card is perfect for utility bill payments, offering 25% cashback on Airtel bills and 10% on other utility bills through the Airtel Thanks app.
• 😀 HDFC Millennia Card gives 5% cashback on popular platforms like Amazon, Flipkart, Uber, and Zomato, with an annual fee waiver on ₹1L spend.
• 😀 Flipkart Access Card offers 5% cashback on Flipkart purchases, 5% on Cleartrip, and 4% on preferred merchants like PVR and Uber.
• 😀 SBI Cashback Card stands out with 5% cashback on all online transactions without merchant restrictions, and a ₹5,000 monthly cap on cashback.
• 😀 Tata New Infinity HDFC Card provides 10% cashback on Tata New purchases, 5% on Tata partner brands, and includes lounge access for travelers.
• 😀 AIS A Credit Card offers 5% cashback on Google Pay bills, 4% on Zomato and Swiggy, and 1.5% on all other spends, along with 4 complimentary lounge accesses.
• 😀 HSBC Life Plus Credit Card provides 10% cashback on groceries and dining, and 1.5% cashback on all other spends with access to lounge benefits.
• 😀 Many of these cards offer great welcome benefits, including vouchers and free memberships, making them highly rewarding for new users.

Q & A

What is the Amazon Pay ICICI Card and what are its main benefits?

The Amazon Pay ICICI Card is a lifetime free cashback card that offers 5% cashback on Amazon purchases for Prime members and 3% for non-Prime members. It also offers 5% cashback on hotel and flight bookings, 2% cashback on utility bill payments, and a welcome benefit of Amazon Pay vouchers and an Amazon Prime subscription for eligible members.

How does the Swiggy HDFC Credit Card work and what makes it unique?

The Swiggy HDFC Credit Card offers a flat 10% cashback up to ₹15,500 per month on Swiggy-related purchases like food orders and Genie. It also provides 5% cashback on online merchants like Amazon, Flipkart, and more, with a cap of ₹500 per month, making it a great option for frequent online shoppers.

What cashback benefits does the Airtel Xs Credit Card offer?

The Airtel Xs Credit Card offers 25% cashback up to ₹250 per month on Airtel bill payments, 10% cashback on utility bill payments like water and electricity, and 10% cashback on platforms like Swiggy, Zomato, and Big Basket. Although it has a ₹500 joining fee, it provides excellent value with cashback rewards and instant Amazon vouchers.

What is the HDFC Millennia Credit Card best suited for?

The HDFC Millennia Credit Card is best suited for millennials who want to start using credit cards. It offers 5% cashback on online spending at platforms like Amazon, Flipkart, Zomato, Uber, and more. Additionally, it offers 1% cashback on other transactions, and specific discounts on electronics. There’s a ₹1,000 joining fee, which can be waived if you spend ₹1 Lakh in a year.

How does the Flipkart Access Card compare to other cashback cards?

The Flipkart Access Card offers 5% cashback on Flipkart purchases and 5% cashback on Cleartrip, with 4% cashback on preferred merchants like Uber and Swiggy. It has a ₹500 joining fee and provides ₹500 Flipkart vouchers as a welcome gift, but it may not be necessary if you already have the Swiggy HDFC card.

What makes the SBI Cashback Credit Card the best in this list?

The SBI Cashback Credit Card offers 5% cashback on all online transactions with no merchant restrictions. It also provides 1% cashback on offline transactions and utility bill payments through the Easy Bill Pay feature. While it has a ₹999 joining fee, this can be waived off with an annual spend of ₹2 Lakh, making it the top card for cashback.

What are the benefits of the Tata New Infiniti HDFC Credit Card?

The Tata New Infiniti HDFC Credit Card offers 10% cashback as Neo coins on Tata purchases, with 5% cashback on non-Tata purchases, both online and offline. It also offers 8 domestic and 4 international lounge accesses, with no minimum spend required. There is a ₹1,499 annual fee, but the card is currently available with no joining fee.

What are the two honorable mentions and what cashback do they offer?

The honorable mentions are the AIS a Credit Card and HSBC Life Plus Credit Card. The AIS a Credit Card offers 5% cashback on bill payments via Google Pay and 1.5% cashback on all other spends. The HSBC Life Plus Credit Card offers 10% cashback on groceries, dining, and food delivery with a cap of ₹1,000 per month and 1.5% cashback on all other purchases.

Is it easy to get these entry-level cashback credit cards?

Yes, most of these cards are beginner-friendly and can be easily obtained, even for those without a strong credit score. Many of them offer lifetime free options and are designed to be accessible to a wide range of users, making them perfect for newcomers to credit cards.

How can users maximize the cashback potential with these credit cards?

To maximize cashback, users should focus on utilizing each card's specific benefits. For example, use the Amazon Pay ICICI Card for Amazon and flight bookings, the Swiggy HDFC Card for food orders, and the SBI Cashback Card for unrestricted online purchases. Paying utility bills through apps like Airtel Thanks or using cards for specific retailer purchases can also help maximize rewards.