Top 5 Credit Cards for Festive Season 2025: Get Maximum Cashback, Rewards, and Discounts on Your Diwali Shopping

Best Credit Cards to Maximize Festive Savings: Earn Big on Cashback, Rewards, and Online Offers

As Diwali draws closer, shoppers across India are gearing up for one of the biggest spending seasons of the year. From online marketplaces like Amazon and Flipkart to offline stores and restaurants, festive offers, discounts, and reward programs are flooding every platform. Whether you’re upgrading your gadgets, buying gold jewelry, or shopping for gifts, using the right credit card can help you save thousands through cashback, rewards, and special offers.

If you’re wondering which cards offer the best benefits this season, here’s a list of five top credit cards that will maximize your festive savings in 2025.

1. SimplyCLICK SBI Credit Card

The SimplyCLICK SBI Card is one of the best options for frequent online shoppers. It offers 10x reward points on popular platforms like Apollo 24/7, BookMyShow, and Cleartrip, and 5x reward points on other online purchases. SBI has also partnered with e-commerce giants such as Amazon and Flipkart during major festive sales, making this card ideal for sale-season savings.

Key Benefits:

• Joining/Annual Fee: ₹499 + GST

• Welcome Gift: ₹500 Amazon Gift Card on payment of annual fee

• Milestone Rewards: ₹2,000 e-vouchers on annual spends of ₹1 lakh and ₹2 lakh

• Annual Fee Waiver: Fee waived if annual spend exceeds ₹1 lakh

• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500–₹3,000

Ideal For: Online shoppers who frequently purchase during festive sales.

2. Cashback SBI Credit Card

For those who prefer straightforward cashback instead of points, the Cashback SBI Card is one of the most rewarding options available. It offers 5% cashback on all online transactions and 1% cashback on offline spending. The cashback is automatically credited to your account within two days of statement generation — no need to manually redeem points.

Key Benefits:

• Joining/Annual Fee: ₹999 + GST

• Cashback: 5% on all online spends (no merchant restrictions), 1% on offline spends

• Automatic Credit: Cashback auto-credited within 2 days after statement generation

• Annual Fee Waiver: Fee waived if yearly spends exceed ₹2 lakh

• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500–₹3,000

Ideal For: Shoppers who love simple, direct cashback on every purchase.

3. Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Credit Card is one of India’s most popular lifestyle cards, especially for Amazon Prime members. It’s a lifetime free card — meaning no joining or annual fees — and its reward points never expire. Users get cashback across Amazon purchases and over 100+ Amazon Pay partner merchants, making it an excellent card for daily use.

Key Benefits:

• Annual Fee: Free for life

• Prime Member Cashback: 5% on Amazon purchases (unlimited)

• Non-Prime Cashback: 3% on Amazon, 1% on other transactions

• Partner Cashback: 2% on 100+ Amazon Pay partner merchants

• Fuel Surcharge Waiver: 1% on all fuel transactions

Ideal For: Regular Amazon users and those who prefer a no-fee, lifetime cashback card.

4. HDFC Millennia Credit Card

Designed for young professionals, the HDFC Millennia Card offers impressive rewards on everyday spending. It gives 5% cashback on popular apps like Amazon, Flipkart, Myntra, Swiggy, and BookMyShow, and 1% cashback on other purchases. With easy reward redemption options and a low annual fee, this card is perfect for those looking to save consistently throughout the year.

Key Benefits:

• Cashback: 5% on major e-commerce platforms, 1% on all other spends

• Welcome Benefit: Up to ₹1,000 worth of gift vouchers

• Annual Fee Waiver: Fee reversal on annual spends above ₹1 lakh

• Fuel Surcharge Waiver: 1% waiver across all petrol pumps

Ideal For: Salaried millennials who shop and order online frequently.

5. HDFC INFINIA Credit Card

The HDFC INFINIA Metal Card is an invite-only premium card, offering unmatched benefits for high-income users. It provides 5 reward points per ₹150 spent, translating to roughly 3.3% return, and even higher returns when used via SmartBuy, where rewards can exceed 10%. It also comes with complimentary airport lounge access, luxury travel perks, and exclusive dining offers.

Key Benefits:

• Reward Rate: 5 points per ₹150 spent

• SmartBuy Bonus: Up to 10% additional rewards

• Travel Benefits: Unlimited airport lounge access

• Dining Privileges: Complimentary fine-dining offers across premium restaurants

Ideal For: Premium users who prioritize luxury travel, dining, and high-end rewards.

Final Thoughts

With the festive season in full swing, choosing the right credit card can make your shopping far more rewarding. Whether you want high cashback, exclusive e-commerce offers, or luxury privileges, these five cards cater to every spending habit.

Before applying, consider your spending pattern — whether you shop online, dine out often, or prefer travel perks — and pick the card that aligns best with your lifestyle. This Diwali, make every swipe count and enjoy your shopping with added savings and rewards.