Check Out Best Credit Cards in India 2025
Navigating through the available credit cards in India in the year 2025 will not be a piece of cake. If your goal is to find certain benefits like travel rewards, cash back options, or even something as prestigious as airport lounge access, I am determined to help you narrow down your choices to the best credit cards available.
Best Reward Credit Cards In India 2025
When it comes to spending and accumulating points, rewards credit cards provide the most benefit.
Listed below are reward cards that stand out:
1. Regalia Gold Credit Card by HDFC
- Annual Fee: ₹2,500 (This fee will be waived if your annual spending is over ₹3 lakh).
- Rewards: You will earn 4 reward points for each 150 spent.
Complimentary
- Gold Swiggy One and MakeMyTrip Black memberships.
- Quarter vouchers of 1.5 lakh quarterly spend mark—value up to 1500.
- An annual spend of 5 lakh flight vouchers gets you additional vouchers of 5k if you spend 7.5 lakh.
- Gain 5x reward points for spending at stores Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
- Complimentary lounge access at over 1000+ airports.
- Gold Swiggy One and MakeMyTrip Black memberships.
2. American Express Membership Rewards Credit Card
Annual Fee: ₹1,000 (first year), ₹4,500 (second year onwards).
Rewards: Earn Membership Rewards Points on every spend.
Benefits:
You will earn bonus points on 4 transactions of ₹1,500+ each month.
Access to the 18K and 24K Gold Collection for point redemption.
Fuel surcharge waiver.
Exclusive dining and lifestyle.
3. Axis Bank SELECT Credit Card
Annual Fee: ₹3,000 (waived on annual spends of ₹6 lakh).
Rewards: 10 EDGE Reward Points per ₹200 spent.
Benefits:
Complimentary golf rounds and lessons.
Airport lounge access in India.
24×7 concierge services.
Dining and movies.
Best Cashback Credit Cards in India 2025
Cashback cards are ideal for those who prefer direct savings on their expenditures. Here are the top cashback credit cards:
1. Axis Bank ACE Credit Card
Annual Fee: ₹499 (waived if your annual spending is over ₹2 lakh)
Cashback:
5% on bill payments and recharges via Google Pay.
4% on Swiggy, Zomato, and Ola.
1.5% on all other spending.
Benefits:
- 4 complimentary domestic lounge visits per year
1% fuel surcharge waiver
Dining discounts at partner restaurants
2. Amazon Pay ICICI Credit Card
Annual Fee: None (Lifetime free)
Cashback:
5% on Amazon.in if you are a Prime member.
3% on Amazon.in if you don’t have Prime membership.
2% on partner merchants using Amazon Pay.
1% on other spends.
Benefits:
No cap or expiry on cashback.
Direct credit of cashback to Amazon Pay balance.
3. HDFC Millennia Credit Card
Annual Fee: ₹1,000 (waived on annual spends of ₹1 lakh)
Cashback:
5% on Amazon, Flipkart, BookMyShow, and other partner merchants
1% on other online spends
Benefits:
Complimentary lounge access
Fuel surcharge waiver
Dining discounts
Best Travel Credit Cards in India 2025
If you are a regular traveler, these credit cards offer exceptional travel benefits:
1. SBI Card ELITE
Annual Fee: ₹4,999
Travel Benefits:
Complimentary Priority Pass membership with 6 international lounge visits per year.
8 complimentary domestic lounge visits per year.
Low foreign currency markup of 1.99%.
Other Benefits:
₹5,000 e-gift voucher on joining.
Free movie tickets worth ₹6,000 annually.
- Up to 50,000 bonus reward points annually.
2. HDFC Diners Club Privilege Credit Card
Annual Fee: ₹2,500 (waived on annual spends of ₹3 lakh)
Travel Benefits:
8 complimentary domestic and international lounge visits per year
Travel concierge services
Other Benefits:
5X reward points on dining, groceries, and air bookings
Milestone rewards worth ₹6,000 on annual spends of ₹6 lakh
3. YES First Preferred Credit Card
Annual Fee: ₹1,499 (waived on annual spends of ₹2.5 lakh)
Travel Benefits:
Complimentary domestic lounge access.
Travel insurance coverage.
Other Benefits:
Reward points on all spending.
- Fuel surcharge waiver.
Credit Cards with Airport Lounge Access in India
Airport lounge access is a perk for travelers.
Here are some credit cards offering this benefit:
HDFC Regalia Gold Credit Card: 12 complimentary lounge visits per year at domestic and international terminals in India.
SBI Card ELITE: 6 international and 8 domestic lounge visits annually.
Axis Bank ACE Credit Card: 4 complimentary domestic lounge visits per year.
- Kotak Mahindra Bank Solitaire Credit Card: Unlimited free domestic and international lounge access for primary and add-on cardholders.
Read Also: Top 5 Credit Cards with Lounge Access Under ₹500 Annual Fee
Credit Cards with No Annual Fee in India
If you are seeking benefits without the burden of annual fees, you can consider these below options:
Amazon Pay ICICI Credit Card: Lifetime free with cashback benefits.
ICICI Platinum Chip Credit Card: No annual fee with basic rewards structure.
- IDFC FIRST Classic Credit Card: No annual fee, dynamic interest rates starting at 9%, and various merchant offers.
Credit Cards for Online Shopping in India 2025
Maximize your online shopping with these credit cards:
HDFC Millennia Credit Card: 5% cashback on Amazon, Flipkart, and other partners.
Amazon Pay ICICI Credit Card: Up to 5% cashback on Amazon.in.
Axis Bank ACE Credit Card: 5% cashback on bill payments via Google Pay and 4% on Swiggy, Zomato, and Ola.
- Flipkart Axis Bank Credit Card: 5% cashback on Flipkart and Myntra
Best Credit Cards for Salaried Individuals in India
Salaried professionals can benefit from these credit cards:
HDFC Regalia Gold Credit Card: Offers a mix of travel and lifestyle benefits.
SBI SimplyCLICK Credit Card: Ideal for online spenders with milestone-based Amazon vouchers.
- Axis Bank ACE Credit Card: High cashback rates with a low annual fee.
Summary: Best Credit Cards in India for 2025
This guide will help you to choose the best credit cards for 2025 based on lifestyle and spending habits. It categorizes top credit cards across rewards, cashback, travel, lounge access, and online shopping benefits.
Key highlights include:
Best Rewards Cards: HDFC Regalia Gold, Amex Membership Rewards, and Axis SELECT—great for earning points on spending.
Best Cashback Cards: Axis Ace, Amazon Pay ICICI, and HDFC Millennia—ideal for everyday savings.
Best Travel Cards: SBI ELITE, HDFC Diners Privilege, and YES First Preferred—offer lounge access and travel perks.
No Annual Fee Options: Amazon Pay ICICI, ICICI Platinum Chip, and IDFC FIRST Classic—lifetime free cards with decent benefits.
Top for Online Shopping: Cards like Flipkart Axis and HDFC Millennia offer up to 5% cashback on major platforms.
For salaried individuals: cards that balance benefits and affordability, such as SBI SimplyCLICK and Axis Ace.
