Best 5 Credit Cards for Daily Use in India (2025) – Smart Spenders Are Switching Fast - BluePages
In 2025, everyday spending—be it groceries, utility bills, rides, or online shopping—deserves smart rewards. Here are the top 5 credit cards that trendsetters across India are switching to for everyday use. From low annual fees to powerful cashback across daily categories, these cards are designed to make your spending smarter.
Feature Comparison Table
| Credit Card | Top Benefits for Daily Use | Annual Fee (Simplified) |
|---|---|---|
| SBI Cashback Credit Card | 5% cashback on online spending; 1% on offline spends | ₹999 (waived on ₹2L annual spend) |
| Axis Bank ACE Credit Card | 5% on bills via Google Pay; 4% on food/transport; 2% elsewhere | ₹499 (waived on ₹2L annual spend) |
| HSBC Cashback Credit Card | 1.5% on all online spends; no monthly cashback cap | ₹999 (first year waived) |
| Amazon Pay ICICI Credit Card | 5% cashback for Prime; 3% non-Prime; 2% on partner merchants | ₹0 (lifetime free) |
| Airtel Axis Bank Credit Card | High cashback on Airtel spend, utilities, OTT platforms | ₹500 (waived on ₹1L annual spend) |
Category-Wise Highlights
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King of Online Shopping: SBI Cashback — a standout 5% on all online spends.
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Daily Essentials Master: Axis ACE — heavy cashback across bills, food, transport.
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Balanced Everyday Use: HSBC Cashback — flat cashback with no caps, for mixed offline-online life.
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Amazon Ecosystem Winner: Amazon Pay ICICI — best for Amazon devotees, with no cost.
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Airtel & OTT Enthusiasts: Airtel Axis Bank — brilliant for users rooted in Airtel & streaming services.
Recommendation Summary
| Your Daily Preference | Recommended Card | Why It Works |
|---|---|---|
| Online Shopping (Amazon, Flipkart) | SBI Cashback | Highest online return |
| Frequent Bill Payments / Food | Axis ACE | High utility and food cashback |
| Mixed Spend (Online + Offline) | HSBC Cashback | Simple, uncapped rewards |
| Heavy Amazon Usage | Amazon Pay ICICI | Lifetime free, great Amazon returns |
| OTT + Airtel Ecosystem Users | Airtel Axis Bank | Best value in that specific ecosystem |
Inspiring Conclusion
Smart spending isn't just about earning rewards—it’s about choosing a credit card that aligns with your everyday habits. Whether it's groceries, bills, or binge-watching your favorite shows, these top 5 cards are redefining what daily use credit cards can offer in 2025.
Make choices that reward your lifestyle—and let your spending power fuel your everyday wins.
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