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Best Cashback Credit Card for Festive Shopping 2025

16 Oct 2025 by Team FinFIRST

shopping online during the festive season using a cashback credit card

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Think about festivals, and what’s the first thing that might come to your mind? Shopping!

Welcoming the festive season means celebrations, socialising, and gifting — all of which require a trip to the market. But when you’re buying necessities for various ceremonies, decorations for your home, and gifts for your loved ones, it’s very easy to lose track of your budget.

In such situations, having the best cashback credit card can tip the balance in your favour.

Wondering how? Let’s understand.

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What are cashback credit cards?

Cashback credit cards are cards that reward you with a percentage of your spending back in the form of cash rewards. This means that every time you swipe your card or do a UPI transaction, you get some of your money back, which, when accumulated, can result in considerable savings.

Since spending increases during the festive season, a cashback credit card can be a real game-changer when it comes to shopping within your budget.

How to choose the best cashback credit card for festive shopping

Finding the best cashback credit card isn’t just about rewards — it’s about picking one that suits your spending style and helps you save more during the festive rush. Here are some key factors to keep in mind when comparing the top credit cards in India:

Percentage of cashback on everyday categories like shopping, dining, and UPI spends
Caps or limits on monthly cashback offers and rewards
Annual or joining fees versus the value of the benefits you receive
Extra perks such as discounts on entertainment, food orders, and more
Flexibility of redemption and ease of tracking your cashback rewards

Why the FIRST EA₹N Credit Card is one of the best cashback credit cards

If you’re looking for the top credit card in India with rewarding cashback benefits, IDFC FIRST Bank has got you covered.

The FIRST EA₹N Credit Card is a secured virtual RuPay card that combines the convenience of credit with UPI at 60+ million merchants to make your festive shopping easier. With a joining and annual fee of only ₹499 + GST, every successful transaction on this card ensures savings with cashback offers and other benefits like:

a) 1% cashback on every UPI spend made via the IDFC FIRST Bank Mobile Banking App

b) 0.5% cashback on UPI spends via other apps and all online spends

c) 100% cashback of up to ₹500 on your first UPI transaction done within 15 days of card generation

d) 25% discount of up to ₹100 on movie ticket bookings made through the District by Zomato app

e) Complimentary roadside assistance worth ₹1,399

f) Lost card liability of ₹25,000 and personal accident cover of ₹2 lakh

Issued against a fixed deposit (FD), you can enjoy a minimum of 100% of the deposit’s value as the credit limit for the card, while also earning an interest of up to 6.30% per annum on the invested sum.

Moreover, with complimentary roadside assistance worth ₹1,399, lost card liability coverage of ₹25,000, and personal accident cover of ₹2 lakh, this card ensures both convenience and protection for your festive spends.

Tips to maximise savings during festivities

The festive season brings plenty of expenses, but with the best cashback credit card India has to offer, you can turn your spends into real savings. Here are a few simple ways to get the most out of your cashback offers:

Plan big-ticket purchases around special festive deals to stack discounts with cashback rewards
Use your credit card on UPI transactions for everyday spends
Track monthly limits on cashback to avoid missing out on eligible savings
Combine credit card offers with retailer or wallet promotions for extra value
Pay your bills in full to enjoy rewards without incurring interest charges

Make your festivals fun without breaking the bank

Festivals are a time to enjoy and celebrate, not worry about expenses. Choose the best cashback credit card and say goodbye to the financial stress of festive shopping. Look for deals, discounts, and offers, and use the credit card to earn additional cashback on every transaction.

Apply for the FIRST EA₹N Credit Card and make cashback a gift that keeps on giving.

Frequently Asked Questions

Are cashback and reward points the same thing?

No, cashback offers save you money on transactions by crediting a small portion back on your statement date. On the other hand, reward points are offered based on your transaction value. You can accumulate them and then use them to pay for your transactions.

How much FD is needed for the FIRST EA₹N Credit Card?

You need a minimum FD of ₹5,000 to apply for the FIRST EA₹N Credit Card.

Can I get a cashback credit card if I don’t have a high credit score?

Yes, secured cards like the FIRST EA₹N Credit Card are issued against a fixed deposit, making them accessible even for those with limited or lower credit history.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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