Maximize Your Savings: The Best Credit Cards for Indian Households in 2025
Hey there! Looking to make every rupee count for your Indian household? You’re in the right place! In today’s fast-paced world, saving money isn’t just smart, it’s essential. And guess what? Your credit card can actually be a super handy tool for that, not just a way to spend. We’re talking about getting a percentage of your everyday expenses back, effortlessly!
With so many credit cards out there, picking the perfect one can feel a bit like finding a needle in a haystack. But don’t you worry, we’ve done the digging for you! We’ve rounded up the best credit cards for a normal Indian household in 2025, all designed to put more money back in your pocket.
Your Spending, Your Card: The Golden Rule
Here’s the secret sauce: the “best” credit card isn’t a one-size-fits-all deal. It’s all about finding the card that gives you the most bang for your buck in the areas where you spend most. So, before you dive in, take a quick peek at your monthly expenses.
Are you a family that loves ordering groceries online and catching the latest movies? Or are you more about paying utility bills and the occasional international shopping spree? Once you’ve got a clear picture, you can easily pick a card that truly rewards your lifestyle.
Our Top Picks for Maximum Household Savings
Ready to see how you can save more? Here are our top credit card recommendations for Indian households in 2025, sorted to make your choice super easy:
The All-Round Champion: SBI Cashback Card
If you’re after a simple, no-fuss cashback card that delivers across almost all your spending, the SBI Cashback Card is definitely a winner.
Why you’ll love it:
5% cashback on all your online spends (with a monthly cap of ₹5,000). This means savings on almost everything you buy online, from your favorite e-commerce sites to those handy online services.
1% cashback on all your offline spends too!
Annual Fee: ₹999 + GST (but it’s waived if you spend ₹2 lakh in the previous year, which is pretty achievable for a household!).
This card is fantastic because in our increasingly digital world, that broad 5% cashback on online spending really adds up. Think about all those online grocery orders or your kids’ e-learning subscriptions – the savings just keep coming!
The Grocery Guru: Swiggy HDFC Bank Credit Card
Does a big chunk of your monthly budget go towards groceries and food delivery? Then the Swiggy HDFC Bank Credit Card is absolutely made for you!
Why you’ll love it:
A fantastic 10% cashback on Swiggy (yes, that includes Instamart for your groceries!) and Dineout.
5% cashback on online spends at a wide range of partner merchants.
1% cashback on other spends.
Annual Fee: ₹500 + GST (waived if you spend ₹2 lakh annually).
That high cashback rate on Swiggy and Instamart can lead to some serious savings on your daily essentials. Plus, the 5% cashback on other online purchases makes it a pretty versatile card to have!
The Utility Bills Buster: Axis Bank ACE Credit Card
For families looking to trim down those pesky monthly utility bills, the Axis Bank ACE Credit Card is a real powerhouse.
Why you’ll love it:
A cool 5% cashback on your bill payments (electricity, internet, gas, you name it!) and DTH recharges when you pay through Google Pay.
4% cashback on Swiggy, Zomato, and Ola.
1.5% cashback on all your other spends.
Annual Fee: ₹499 + GST (waived if you spend ₹2 lakh annually).
The direct 5% cashback on essential utility payments is a major highlight. And the consistent 1.5% cashback on most other spends means you’re saving on almost every transaction!
The Globetrotter’s Companion: Scapia Federal Bank Credit Card
Got family members studying or working abroad, or perhaps you just love international travel? Saving on currency conversion fees is a huge win! The Scapia Federal Bank Credit Card is truly a game-changer here.
Why you’ll love it:
Zero forex markup fee on all international transactions, saving you the usual 2-3.5% fee – that’s massive!
10% rewards as Scapia Coins on all eligible online and offline spending.
An even better 20% rewards as Scapia Coins on travel bookings made through the Scapia app.
Unlimited domestic lounge access if you just spend a minimum of ₹10,000 monthly.
And the best part? No Joining Fee, No Annual Fee!
This card is a lifetime-free gem packed with premium travel benefits. The zero forex feature alone can save you a ton on international payments and travel, making it a must-have for any overseas adventure. Plus, you’re earning rewards on your regular spending too!
The Entertainment Enthusiast: RBL Bank Play Credit Card
If movie nights are a regular family tradition, the RBL Bank Play Credit Card can make your entertainment budget stretch further.
Why you’ll love it:
Two free movie tickets on BookMyShow every month (up to ₹250 per ticket) if you spend ₹5,000 in the previous billing cycle.
Discounts on food and beverage purchases at the cinema.
No monthly spending target for the first three months, so you can ease into it!
Annual Fee: ₹500 + GST.
For a family that enjoys at least one movie a month, the savings on tickets can easily outweigh the annual fee, making this card a truly rewarding choice for your entertainment fix!
With great cashback comes great responsibility!
- Don’t Be Lured by High Reward Rates Alone: Look at the spending categories where those high rates apply. A card with great travel benefits is less useful if you rarely travel.
- Consider the Annual Fee: A higher annual fee is only justified if your savings from rewards significantly outweigh the fee. Look for cards with reasonable fees and achievable waiver conditions.
- Always pay to bills in full: Don’t get into trap of minimum pay, like other bills, pay the Credit card bills in full. Simply, only spend on credit card when you have that amount in bank account.
- Use the card once a year at least – If not used for more than a year, as per RBI guidelines, the card issuer reserves the right to close your card, with a notice period of 30 days
- Keep time gap between applying for cards – Banks do a hard query on your CIBIL score for card issuance, this hurts the score and also reduces the chance of getting another card. So, rebuilt your score again and then apply for another card.
By picking a credit card that truly matches your household’s spending habits, you’ll find a steady stream of savings coming your way throughout the year. Just remember to be a disciplined user – pay your bills in full and on time – and watch your credit card start working for YOU! Happy saving!