Best SBI Cashback Credit Card Alternatives (2025) Comparison

Hit that 1L limit on your SBI Cashback Credit Card? OR need to use an SBI Cashback Credit Card but don’t have one? We know the pain. Thus, we’ve researched a ton of CCs to find out the best SBI Cashback Credit Card alternatives in 2025 you can use. These SBI Cashback alternative credit cards may not get you all the benefits in a single card but here’s what you get with these: 5% cashback on Amazon & Flipkart, 7.5% cashback on Myntra, 10% cashback on groceries and food, 10% cashback on gas and electricity and more.

With that said, do note that SBI Cashback Credit Card surpasses even some of the mid-tier or premium credit cards behind with its benefits and you can’t really get a single alternative credit card to SBI cashback. What this article focuses on is sharing alternative credit cards that you can use to get similar benefits as the SBI Cashback Credit Card for various categories. 

• 5% Cashback on online spends with no merchant restrictions

• 4% to 5% on Insurance {if you buy gift cards from the right platform(s)}

• 5% cashback + discount on gift vouchers (depending from where you buy) of several brands including Ajio, Myntra, TataCliq, Croma, etc.

• Purchase Amazon gift voucher & then use for Utility payments or other Amazon merchant payment like Flight booking etc

• Use it to get 1.5% to 2.5% on credit card to bank/credit card bill pay (over now, know more details)

Other benefits include 1% cashback on offline spends, 1% fuel surcharge waiver upto ₹100 and annual fee reversal on spends of 2 Lakh rupees.

There are several more hidden benefits of the SBI Cashback Credit Card which we can’t reveal here. Those who know, know what we are talking about. Keep an eye out for DesiDime Finance forum threads to know such tricks to use SBI Cashback Credit Cards. 

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Before we start, we have a small request to make. If topics like these are interesting to you, consider signing up on DesiDime and becoming a dimer and contributing to the DesiDime forum❤️

SBI Cashback CC offers 5% cashback on 100s of merchants online. But it isn’t possible for us to cover all those merchants in a single article. Amazon and Flipkart are two of the most popular marketplaces. Thus, we’ll majorly focus on those two.

Here are the SBI Cashback card alternatives for Amazon and Flipkart in 2025:

Starting with the no.1 alternative to SBI Cashback credit card for Amazon & Flipkart purchases, HDFC Millenia credit card.

• This no BS credit card gives you straight 5% Cashpoints (1CP = ₹1), max upto 1000 CP per month

• You can redeem it in your statement at a fee of ₹59. Thus, it's better to redeem those at 3K which is the max you can redeem.

Before the card was devalued in 2024, it was offering 5% cashback on EMI transactions too (no more now) and the fact that many have got it as LTF just makes the HDFC Millenia hands down one of the best SBI Cashback alternatives.

HDFC Millenia T&C

Apply for HDFC Millenia Credit Card

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The HDFC Swiggy Credit Card is available as LTF and offers 5% cashback on Amazon and Flipkart just like the SBI Cashback CC. However, there’s a caveat.

• The eligible spends are MCC-based and we’ve seen some users complain about HDFC denying valid cashback spends.

• Max cashback per month is capped at ₹1500

• Similar to SBI Cashback CC, one can earn 5% cashback on BookMyShow (7832 MCC), PVR INOX (7832), and even on grocery (5411) on Flipkart & Amazon, Zara (5699), Swiggy, 1Mg (, Domino’s Pizza, Meesho, Ajio, Myntra (apparels MCC), Uber and others.

HDFC Swiggy Credit Card Terms & Conditions

Apply for HDFC Swiggy Card

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This one is pretty straightforward right?

• Amazon Pay ICICI credit card is again a good alternative to SBI Cashback CC esp for insurance payments at 2% (conv fee may apply), other bills and recharges at 2% discount and buying APay vouchers at 2%

• Along with earning 5% cashback on Amazon for Prime members and 3% for non-Prime on all purchases made on Amazon India excluding certain categories such as gold and EMI transactions.

• It also gives 1% cashback on gold purchases made offline*.

APay ICICI Credit Card Terms & Conditions

Do read our article on the best credit cards for buying gold in India to know more such credit cards.

One of the reasons why the SBI Cashback Credit Card is so popular is because one can grab 5% cashback on buying gift vouchers from select platforms such as Amazon. Well, you can grab the same with Axis Liberty Debit Card.

• This hidden gem offers 5% weekend cashback on select MCCs and one of them is 5947 (mentioned in their official T&C here) which is the same MCC used by Gyftr.

• The only caveat is that there’s a limit of ₹500 per month on the cashback which increases to ₹1000 during your birthday month.

• Just use the Axis Bank Gyftr Platform and search for Amazon gift vouchers or use this direct link. Add upto 10K APay vouchers to your cart and proceed to checkout.

You’ll earn 5% cashback with Axis Liberty Debit Card + 0.5% Gyftr coins.

Note that you do need to have an Axis Liberty savings account to have this debit card.

Axis Liberty Debit Card T&C

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HDFC Moneyback Plus gets you 0.33% as base rewards (2 CP per 150, 1CP = 0.25rs) but here’s the real deal.

• It offers a 3.3% value back on 10X partners including Amazon, Flipkart, BigBasket, Swiggy & Reliance Smart. With 10X, you earn 20 CP per ₹150 thus, 20 x ₹0.25 worth ₹5 and ₹5 / ₹150 = 3.33% reward rate.

• Max cashpoints on 10X partners is capped at 2500 CP = ₹0.25 per CP = ₹625 per month

• Max cashback for buying vouchers through Smartbuy is capped at ₹1000

• While this doesn’t match the 5% no BS cashback with SBI Cashback cc, it’s still an option.

On Smartbuy, you can use HDFC Moneyback Plus to get 5% cashback on Amazon vouchers however there is a 2.95% processing fee on Amazon Shopping voucher & Flipkart and a 3.5% fee on APay vouchers. So it's better to shop directly on the 10X partners for a 3% return instead of buying vouchers. Overall, it’s a decent alternative to SBI Cashback CC for Amazon & Flipkart if you don’t have a large portfolio of CCs.

Apply for HDFC Moneyback Plus

HDFC Moneyback Plus Credit Card T&C

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Last but not the least, an alternative to SBI Cashback Credit Card for unlimited cashback on online shopping is HSBC Live Plus.

• Cardholders can get 1.5% unlimited cashback on most online spends

• 10% Cashback on dining, food delivery & grocery upto ₹1000 per month

• People have reported receiving 10% cashback on offline spends as well for grocery, food and dining.

• Annual fee of ₹999 + GST is reversed on spending 2 Lakhs

If you need an alternative that doesn’t have any complicated rewards system or very less cashback capping, the HSBC Live Plus can be a good alternative to SBI Cashback Card.

Apply for HSBC Live Plus

HSBC Live+ Credit Card T&C

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Among the popular merchants where SBI Cashback Card provides 5% cashback, Myntra and Nykaa probably land somewhere on top. But what if you do not have it? Well, here are some alternatives to SBI Cashback Cards for Myntra and Nykaa. These alternative credit cards offer almost 5% cashback and some like the Flipkart Axis Credit Card and Kotak Myntra card offer 7.5% cashback.

This is one of those cards which has both haters and lovers. Some users hate the HDFC Pixel card for its limit transfer issue, ₹500 capping, minimum 1000 CashPoints redemption and terrible customer service. On the other hand, you’ll find people loving the HDFC Pixel Play for its 5% upto ₹500 cashback per category (you can pick 2 so upto ₹1000 in combined), 3% cashback on Amazon & Flipkart upto ₹500, 5% upto ₹500 on Smartbuy and 1% on UPI spends.

How can HDFC Pixel Play card be an alternative to SBI Cashback Card?

You can get 5% cashback upto ₹500 on any two categories. For example, on Myntra & Nykaa (1st category) and Blinkit & Reliance Smart Bazaar (2nd category) provided you’ve small purchases to make (upto ₹10,000 each category). This is quite decent. Another benefit is you earn flat 3% cashback on Amazon & Flipkart upto ₹500.

You receive the cashback in the form of CashPoints at the rate of 1 CashPoint = ₹1 PayZapp Cashpoint. The CashPoints will be transferred to PayZapp Cashpoint account post placing the redemption request in the app. You can use it for bill payments and recharges. Pretty straightforward.

Apply for HDFC Pixel Play Card

HDFC Pixel Play Credit Card T&C

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Flipkart Axis Credit Card offers 7.5% cashback on Myntra. The cashback is capped to ₹4000 combined for all partnered brands including Flipkart, Cleartrip, Myntra. The cashback capping is per quarter and not monthly. If you are looking for an alternative to SBI Cashback Card for Myntra, this one might be up your alley.

Apply for Flipkart Axis Credit Card

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YesBank Paisasave Credit Card offers 3% cashback (6 reward points per ₹200 spent) upto ₹5000 on online e-commerce spends across top platforms including Flipkart, Amazon, Myntra, Nykaa, Ajio, Zomato, Blinkit, Ola, Uber & more. Beyond the 5K capping limit, the base cashback rate of 1.5% applies. The reward points/cashback can be redeemed against statement credit via the YesRewards Platform without any extra fee or cost. Nevertheless, it’s still a decent card to use in case you do not have the SBI Cashback Card.

Apply for Yes Bank PaisaSave Credit Card

YesBank Paisasave Credit Card T&C

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SBI SimplyClick Credit Card is not the best alternative to SBI Cashback Card but it’s still kind of useful because you can get 10% instant discount during major sale periods + earn almost 2.5% cashback on 10X partner brands including Myntra, Gyftr, Swiggy, BookMyShow, Apollo 24/7, Cleartrip, Dominos, IGP, Yatra and Netmeds.

This 2.5% return may vary depending on your method of redemption. Redeeming points for statement credit is no longer possible on SimplyClick cards. Gift vouchers are also pretty limited. The only two options available right now as of writing this article are Domino’s voucher worth Rs.5000 in exchange for 2000 points and Mamaearth e-voucher worth Rs.500 in exchange for 2700 points. There’s also a redemption fee of Rs.99 + GST. Amazon Pay, Flipkart vouchers are not available to redeem against reward points.

However, the SBI SimplyClick card promises 10x Reward Points on buying vouchers and giftcards via GyFTR provided the customer has transacted on SimplyCLICK Gyftr portal using their SimplyCLICK Credit Card (source). So you might be able to combine Gyftr discount + reward points savings. The limit for 10X rewards is likely ₹10,000 per month. The card does have an annual fee of ₹499 + GST which can be waived on a spend of ₹1,00,000 per year. Overall, it’s not the best alternative to SBI Cashback card (not even a good one) but it can come handy in a few cases.

Apply for SBI Simplyclick

SBI Simplyclick Card T&C

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HDFC Regalia Gold offers 5X reward points on Myntra, Nykaa, Reliance Digital and Marks and Spencers. You can redeem your points via Smartbuy, 1 reward point at ₹0.65 on Gold catalogue or redeem them for flights and hotel bookings at the rate of 1 RP = ₹0.5. If you wish to redeem it against your statement balance, you may do it at the rate of 1 RP = ₹0.20. Depending on where you redeem the points, you can get a valueback of 4.6% to 6.6%. Overall, it's a good alternative to SBI Cashback Credit Cards especially for Nykaa and Myntra.

Apply for HDFC Regalia Gold Card

HDFC Regalia Gold Credit Card T&C
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Online groceries and food deliveries are slowly gaining a major share on our monthly expenses. SBI Cashback Credit Card offers you 5% cashback on Swiggy, Zomato, Swiggy Instamart, Flipkart Minutes and Zepto. But if your SBI Cashback CC’s limit is reached or you simply don’t have it, here are the top alternatives to SBI Cashback Credit Card for groceries and ordering food online.

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HSBC Live Plus Credit Card offers 10% cashback upto ₹1000 per month on dining, food delivery, grocery and 1.5% unlimited cashback on offline spends. Some users also have said to receive 10% cashback on offline grocery purchases as well from DMart, Smart Bazaar, etc as long as the MCC Code is grocery (5411) and not Departmental Stores (5311). Overall, it’s one of the best SBI Cashback Card alternatives to have for grocery, dining and food ordering.

Apply for HSBC Live Plus

HSBC Live Plus T&C

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HDFC Millenia Credit Card is one of the best SBI Cashback Card alternatives as of 2025. You get 5% upto ₹1000 cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. You also get ₹1000 voucher on a spend of 1 Lakh in a calendar quarter. Buying gift cards is considered as another category and earns 1% cashback upto ₹1000. If you SBI Cashback Card limit is reached or you simply don’t have it but still need those 5% savings, you might consider this one. Also did we mention you can easily redeem the cashback/CashPoints as statement balance at the rate of 1 CP = ₹1. If you can get it esp as LTF, it could be one of the best alternatives to SBI Cashback Credit Cards.

Apply for HDFC Millenia Credit Card

HDFC Millenia Credit Card T&C
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AU LIT Credit Card offers extra 5% cashback upto ₹1000 on dining across restaurants. The best part is there’s no concept of partnered brands so you can dine at any restaurant of your choice. Do note though this is a paid benefit that you need to buy for Rs.299 and can be applied 3 times in 90 days period. Max Rs.1000 cashback per 30 days cycle. This makes AU LIT Credit Card a good alternative to SBI Cashback Credit Card for dining at restaurants. It also offers 5% cashback on groceries upto ₹1000 per 30 days billing cycle (offer for 90 days) at cost of Rs.299.
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Airtel Axis credit card also offers 10% cashback upto ₹500 on Swiggy, Zomato and BigBasket.

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One of the best use cases of SBI Cashback Credit Card is that it lets you save not only on online shopping but also on paying bills (if you know what vouchers to get). But if your card limit is reached or you have more bills to pay or anything else, here are the best SBI Cashback Credit Card alternatives for bill payments, electricity, mobile recharges & more.

Following are some of the best SBI Cashback Credit Card alternatives for insurance payments:

Some people also seem to use HDFC Millenia for saving on insurance premiums (by buying vouchers on discount). You can redeem the points earned on HDFC Millenia on a 1:1 ratio for statement credit by paying a redemption fee of 59 (50 + GST), so better to redeem 3k at once which is the max you can redeem in one month.

Some users also claim to use Kiwi credit cards on the official LIC website. There you can scan and pay using Billdesk and get 2-5% cashback (depending upon Kiwi Neon tier). Max cashback 1% of your total credit limit/month. Axis LIC Card also seems to offer 2% cashback on insurance (need to recheck).

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You can pay your bills directly as well as via gift vouchers. For gift vouchers, you might refer to some of our later content below. For paying directly, here are some of the decent alternatives to SBI Cashback Credit Card for mobile recharges, electricity, gas and other bills:

Note that the Airtel Axis Credit Card offers 25% cashback on Airtel connections. All the payments need to be made via the Airtel Thanks app.

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Offline spends are one of our biggest, secret contributors to daily expenses. Instead of SBI Cashback Credit Card that only gives 1% cashback on offline spends, here are some better alternatives to SBI Cashback in 2025 that you can use for offline spends:

Standard Chartered Ultimate Credit Card also seems to provide 3.3% valueback on offline payments. So sure, something worth considering and checking out.

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This is by far one of the most anticipated sections of this article, isn’t it? Gift cards or gift vouchers are one of the smarter ways to save on your shopping. SBI Cashback Credit Card is hard to beat for its simple 5% cashback, no complicated reward points kinda system. But if you’ve hit your limit or you’re simply looking for some SBI Cashback Credit Card alternatives for gift vouchers, here are a few.

You can use cards like HDFC Infinia for over 10% to 13% savings on vouchers via Gyftr. Diners Black and Biz Black Credit Cards also offer somewhere near 6% savings. Though do note that some users have reported that the processing fee has increased to 3.5% on Amazon and Flipkart vouchers on Gyftr. So the net effective price might stoop lower. For the same reason, using HDFC Millenia via Gyftr might not make much sense anymore. However, consider checking if it fetches cashback on buying vouchers via other platforms.

Other SBI Cashback Card alternatives for buying gift vouchers include Amex Platinum that earns you 1 Membership Rewards Point per ₹50 spent (5X on Amex Rewards Multiplier - check T&C) 1RP per ₹40 spent and bonus rewards of 4 RP per ₹40 spent thus, total 5 RP per ₹40 spent via Amex Rewards Multiplier. Maximum bonus MR Points that can be earned per month are 25000.

Amazon Pay ICICI also offers you 2% unlimited cashback on gif vouchers. If you have HDFC Millenia you get 5% cashback upto ₹1000 per month on buying gift cards on Amazon (consider confirming once). Some lesser known cards like Axis Liberty Debit Card also offers 5% cashback on Gyftr upto ₹500 per month.

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We are sure there must be a few more hidden gems that we might have missed to mention. Please consider mentioning them below. We hope you found this article useful in some way:)

Do share with us below your thoughts. We will be trying to update this article with better SBI Cashback Card alternatives and suggestions. Thank you for reading! Make sure to please keep the comments respectful.✅