When it comes to maximizing your spending power in 2025, choosing the right reward credit card can make a significant difference. Whether you are looking to earn cashback, travel miles, or exclusive perks, the right card can turn your everyday purchases into valuable rewards. Below, we have curated a list of the top 3 reward credit cards for daily use in 2025, based on their reward rates, fees, benefits, and overall usability.
1. HDFC Bank Millennia Credit Card – Best for Cashback on Daily Expenses
The HDFC Bank Millennia Credit Card remains one of the top choices for individuals looking for consistent cashback rewards on day-to-day purchases.
Key Features & Benefits
- 5% Cashback on top spends such as Amazon, Flipkart, Swiggy, Zomato, and other popular merchants.
- 1% Cashback on all other online and offline spends.
- Welcome Benefit: ₹1,000 worth of gift vouchers on spending ₹30,000 in the first 90 days.
- Annual Fee: ₹1,000 + GST (waived on annual spends of ₹1,00,000).
- Fuel Surcharge Waiver: 1% across all fuel stations (maximum ₹250 per billing cycle).
Why It Stands Out in 2025
With most consumers relying on e-commerce and food delivery apps, this card gives maximum value for daily online transactions. It also has a straightforward cashback structure, making it easy to track and redeem your rewards.
2. SBI SimplyCLICK Credit Card – Best for Online Shoppers
The SBI SimplyCLICK Credit Card is designed specifically for online shopping enthusiasts who want to earn rewards for every digital purchase they make.
Key Features & Benefits
- 10X Reward Points on partner merchants such as Amazon, BookMyShow, Cleartrip, Apollo 24×7, Netmeds, and UrbanClap.
- 5X Reward Points on all other online spends.
- 2,000 Bonus Reward Points as a welcome gift (worth ₹500).
- Annual Fee: ₹499 + GST (waived on annual spends of ₹1,00,000).
- E-Gift Voucher: ₹2,000 from Amazon on spending ₹1,00,000 in a year.
Why It Stands Out in 2025
Online spending continues to grow rapidly, and SBI SimplyCLICK offers one of the highest reward multipliers for digital transactions. Its low annual fee and generous milestone benefits make it a must-have for budget-conscious shoppers who want to maximize returns on their regular purchases.
3. Axis Bank Ace Credit Card – Best for Maximum Cashback on Utility Bills
For those who frequently pay utility bills, DTH, and mobile recharges, the Axis Bank Ace Credit Card is one of the most rewarding options in 2025.
Key Features & Benefits
- 5% Unlimited Cashback on bill payments and recharges via Google Pay.
- 4% Cashback on Swiggy, Zomato, and Ola.
- 2% Cashback on all other spends without any cap.
- Annual Fee: ₹499 + GST (waived on annual spends of ₹2,00,000).
- Contactless Payments: Enabled for easy tap-and-pay transactions.
Why It Stands Out in 2025
With most households paying bills online, 5% unlimited cashback on essential utilities makes this card a clear winner for daily financial management. It is simple, transparent, and offers no restrictive reward caps, which is ideal for those with high monthly spending.
Comparison Table – 3 Best Reward Credit Cards in 2025
| Credit Card | Best For | Key Benefit | Annual Fee | Cashback/Rewards |
| HDFC Millennia | Cashback on everyday spends | 5% cashback on Amazon, Zomato, etc. | ₹1,000 (waived on ₹1L spend) | 1%–5% |
| SBI SimplyCLICK | Online shopping | 10X reward points on partners | ₹499 (waived on ₹1L spend) | 5X–10X |
| Axis Ace | Bill payments & utilities | 5% unlimited cashback via GPay | ₹499 (waived on ₹2L spend) | 2%–5% |
Factors to Consider Before Choosing a Reward Credit Card
Before applying for any card, it is essential to evaluate your spending pattern and lifestyle needs:
- Annual Fee vs. Benefits: Ensure that the rewards outweigh the yearly fee.
- Reward Redemption Options: Some cards offer cashback, while others provide vouchers or reward points. Choose based on your preference.
- Spend Categories: Pick a card that aligns with your biggest spending areas (e.g., online shopping, groceries, travel, bills).
- Fee Waiver Thresholds: If you spend enough to waive the annual fee, you get the rewards for free.
Tips to Maximize Your Reward Credit Card Benefits
- Use the Right Card for the Right Purchase: Split transactions across multiple cards to earn the highest rewards in each category.
- Pay Bills on Time: Avoid late fees and interest charges, as they can wipe out your cashback or rewards.
- Track Offers and Bonuses: Banks often run limited-time offers—take advantage of them to earn extra rewards.
- Redeem Rewards Regularly: Don’t let reward points expire; set reminders to redeem them.
Final Thoughts
Choosing the best reward credit card for daily use in 2025 depends on how you spend. If you prioritize cashback on online shopping, HDFC Millennia and SBI SimplyCLICK are excellent picks. For those who pay significant utility bills, the Axis Ace Credit Card gives unmatched value with unlimited cashback.
By strategically using one or more of these cards, you can maximize your rewards and turn everyday purchases into valuable savings or travel opportunities.
