How to maximize my rewards?

[Aarav]

I’ve earned ₹15K with my SBI Cashback card in six months, mostly from online shopping and swiping. It’s a solid card, but is there anything better for 2025? I’m looking for higher real cashback or rewards that actually exceed the 5% flat rate.

[Siddarth]

You’re doing great with that 5% cashback — it's a solid benchmark. However, in 2025, you can actually push past 5% by using a few different cards.

For example, Flipkart SBI or HDFC Swiggy can give you 7–10% on specific apps. Axis ACE is excellent for 5% on bills, and Amazon Pay ICICI is perfect for Prime members.

The secret is stacking 2–3 cards for different categories, such as shopping, bills, and food, to maximize your total rewards.

[A_K]

Stacking cards for 5% back sounds great, but I’m worried about the juggling act. How do I track categories and expirations without it becoming a mess? More importantly, how do I ensure that fees and interest don't eat away at my profits?