Best Credit Cards in India 2025

Looking for the right credit card? know the best banks in India offering these top financial products. To get the most out of your credit card, it’s important to pick one that suits your lifestyle and spending habits. With so many choices available, selecting the right card can feel overwhelming. To help you decide, we’ve curated a list of the 10 best credit cards in India for 2025, covering popular categories like shopping, travel, fuel, rewards, cashback and premium cards. 

Why Choose a Credit Card?

Credit cards make payments easy for online and offline purchases. They offer rewards like cashback, points, or discounts, and can help build a good credit score if you pay bills on time. To pick the best card, consider your spending habits (e.g., shopping, travel or fuel), credit score, interest rates and fees.

Top 10 Credit Cards in India for 2025

Here’s a simple breakdown of the top credit cards and their benefits:

1. SBI SimplySAVE Credit Card

Best for: Everyday spending like dining, movies, groceries and department stores.

Features:

     - Earn 2,000 bonus reward points if you spend ₹2,000 in the first 60 days.
     - Get 10X reward points (10 points per ₹150) on dining, movies, groceries, and department stores; 1 point per ₹150 on other spends.
     - 1% fuel surcharge waiver (up to ₹100 per month) for fuel purchases between ₹500–₹3,000.
     - Annual fee of ₹499 waived if you spend ₹1 lakh in a year.
     - Contactless payments and global acceptance at over 24 million outlets.

Why choose?: Great for beginners who spend on daily needs.

2. Amazon Pay ICICI Bank Credit Card

Best for: Amazon shoppers and online purchases.

Advertisment

Features:

     - 5% cashback on Amazon for Prime members; 3% for non-Prime members.
     - 2% cashback on 100+ Amazon Pay partner sites.
     - 1% cashback on other spends (e.g., dining, travel, insurance).
     - No annual or joining fees (lifetime free).
     - 1% fuel surcharge waiver at all petrol pumps.

Why choose?: Ideal for frequent Amazon users and those who want a no-fee card.

3. Axis Bank ACE Credit Card

Best for: Online shopping and cashback lovers.

Features:

     - 5% cashback on online bill payments, food delivery and cab rides.
     - 4% cashback on other online shopping.
     - 2% cashback on offline purchases.
     - 1% fuel surcharge waiver for transactions between ₹400–₹4,000.
     - No annual or joining fees.

Why choose?: Good for online shoppers and those who pay bills online.

4. HDFC Bank Regalia Credit Card

Best for: Travel and premium benefits.

Features:

     - 4 reward points per ₹150 spent; 5X points on select brands (e.g., Marks & Spencer, myntra).
     - Free lounge access at over 100 airports in India.
     - Complimentary Swiggy One and MMT Black Gold memberships.
     - ₹1,500 voucher for spending ₹1.5 lakh quarterly; ₹5,000 flight voucher for ₹5 lakh annually.
     - Joining fee: ₹2,500; waived if you spend ₹3 lakh yearly.

Why choose?: Perfect for frequent travelers and those seeking luxury perks.

5. SBI Prime Credit Card

Best for: Dining, groceries, and travel rewards.

Features:

     - 10 reward points per ₹100 spent on dining, grocerie and department stores.
     - Free Trident Privilege Red Tier and Club Vistara Silver memberships.
     - 4 international and 8 domestic lounge visits per year.
     - Joining fee: ₹2,999; waived if you spend ₹3 lakh annually.

Why choose?: Great for those who dine out often and travel.

6. Axis Bank Vistara Infinite Credit Card

Best for: Frequent flyers with Vistara.

Features:

     - Free Business Class ticket voucher on joining and renewal.
     - 6 Maharaja Points per ₹200 spent; bonus points for milestone spends.
     - 2 free lounge visits and 6 golf rounds annually.
     - 15% dining discount at partner restaurants.
     - Joining fee: ₹10,000.

Why choose?: Ideal for Vistara travelers who want premium travel perks.

7. HDFC Bank Diners Club Black Credit Card

Best for: High spenders and luxury travelers.

Features:

     - High reward rate (3.33%) on travel, shopping, and dining.
     - Unlimited lounge access worldwide.
     - Free memberships to Club Marriott, Amazon Prime, and more.
     - Low 2% foreign transaction fee.
     - Joining fee: ₹10,000.

Why choose?: Best for those who want elite benefits and travel often.

8. ICICI Bank Coral Credit Card

Best for: Beginners looking for rewards and entertainment.

Features:

     - 2 reward points per ₹100 on online spends; 1 point on others.
     - Buy-one-get-one-free movie tickets on BookMyShow (up to ₹100 monthly).
     - 1% fuel surcharge waiver for transactions between ₹400–₹4,000.
     - Joining fee: ₹500; lifetime free with 4 transactions monthly.

Why choose?: Good for young users who enjoy movies and online shopping.

9. Standard Chartered Smart Credit Card

Best for: Cashback on daily spends.

Features:

     - 5% cashback on dining, groceries, and apparel (up to ₹500 monthly).
     - 2% cashback on other spends (up to ₹1,000 monthly).
     - 25% cashback on Airtel mobile and utility bills via Airtel Thanks app.
     - 2 free domestic lounge visits per quarter.
     - Joining fee: ₹499.

Why choose?: Great for those who want cashback on everyday purchases.

10. Axis Bank Select Credit Card

Best for: All-around benefits (shopping, travel, dining).

Features:

      - 2X rewards on retail and offline spends.
      - Discounts on select brands and free memberships (e.g., EazyDiner Prime).
      - 6 free golf games per quarter.
      - Joining fee: ₹2,999.

Why choose?: Versatile card for those who spend across multiple categories.

Tips for Choosing a Credit Card

Match your lifestyle: Pick a card that rewards your main spending areas (e.g., travel, shopping, or fuel).
Check fees: Look at joining and annual fees; some cards waive fees if you spend a certain amount.
Credit score: A higher score improves approval chances and credit limits.
Interest rates: Compare rates to avoid high costs if you carry a balance.
Rewards and perks: Choose cards with rewards (points, cashback) or benefits like lounge access that suit you.

Disclaimer: Credit card features such as annual fees, interest rates, reward points, and welcome benefits may vary depending on the issuing bank, user profile, and application platform (e.g., official bank websites vs. third-party platforms). Always verify the latest details directly with the bank before applying.