Best Credit Cards in India – Having a credit card is like having a best friend when your wallet runs out of money.
A credit card is there for you when your wallet is empty and your bank account is empty, whether you’re shopping, travelling, or meeting an urgent need. And the number of credit cards to choose from these days seems to go on indefinitely.
There are numerous types of credit cards, including shopping, travel, co-branded, and fuel cards. There are so many options to choose from, isn’t there? We have compiled a list of the best credit cards in India that you can use to make purchases.
The shopper in you will be enchanted by the rewards programmes offered by these cards, which include points, discounts, rebates, and even free movie tickets. As a result, why not take a look at a list of cards and select one that will satisfy your shopping needs?
Choosing the right credit card can significantly enhance your financial experience, offering rewards, cashback, travel perks, and more. With numerous options available, it’s essential to select a card that aligns with your spending habits and lifestyle. Here’s a curated list of the best credit cards in India for 2025, categorized to help you make an informed decision.
💰 Best Cashback Credit Cards
1. SBI Cashback Credit Card
- Annual Fee: ₹999 + GST
- Key Benefits:
- 5% cashback on online spends
- 1% cashback on offline spends
- No merchant restrictions
- Ideal For: Individuals seeking straightforward cashback on everyday purchases.
2. Axis Bank ACE Credit Card
- Annual Fee: ₹499 + GST
- Key Benefits:
- 5% cashback on bill payments and mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato, and Ola
- 2% cashback on other spends
- Ideal For: Users who frequently transact online and use Google Pay.
🎁 Best Rewards Credit Cards
3. HDFC Regalia Gold Credit Card
- Annual Fee: ₹2,500 + GST
- Key Benefits:
- 4 reward points per ₹150 spent
- Complimentary lounge access
- Discounts on dining and travel bookings
- Ideal For: Frequent travelers and high spenders seeking premium benefits.
4. SBI Prime Credit Card
- Annual Fee: ₹2,999 + GST
- Key Benefits:
- Accelerated rewards on dining, groceries, and departmental stores
- Complimentary lounge access
- Milestone benefits and gift vouchers
- Ideal For: Individuals looking for a comprehensive rewards program.
✈️ Best Travel Credit Cards
5. Axis Bank Atlas Credit Card
- Annual Fee: ₹5,000 + GST
- Key Benefits:
- Earn EDGE Miles redeemable across multiple airlines and hotels
- Complimentary lounge access
- Tier-based benefits with higher spends
- Ideal For: Frequent travelers seeking flexible redemption options.
6. American Express Platinum Travel Credit Card
- Annual Fee: ₹5,000 + GST
- Key Benefits:
- Travel vouchers on achieving spend milestones
- Complimentary lounge access
- Discounts on hotel bookings
- Ideal For: Users who travel frequently and prefer luxury accommodations.
⛽ Best Fuel Credit Cards
7. IndianOil Axis Bank Credit Card
- Annual Fee: ₹500 + GST
- Key Benefits:
- 4% value back on fuel spends at IndianOil outlets
- 1% surcharge waiver on fuel transactions
- Reward points on other categories
- Ideal For: Daily commuters and individuals with high fuel expenses.
8. BPCL SBI Card Octane
- Annual Fee: ₹1,499 + GST
- Key Benefits:
- 7.25% value back on fuel purchases at BPCL outlets
- Accelerated rewards on dining and groceries
- Complimentary lounge access
- Ideal For: Users loyal to BPCL fuel stations seeking additional perks.
🎬 Best Entertainment Credit Cards
9. Axis Bank Neo Credit Card
- Annual Fee: ₹250 + GST
- Key Benefits:
- Discounts on movie tickets
- Cashback on online shopping platforms
- Dining offers at partner restaurants
- Ideal For: Students and young professionals seeking entertainment benefits.
10. HDFC Bank Times Titanium Credit Card
- Annual Fee: ₹500 + GST
- Key Benefits:
- Discounts on movie tickets through BookMyShow
- Dining offers at partner restaurants
- Reward points on all spends
- Ideal For: Movie enthusiasts and foodies.
🛍️ Best Shopping Credit Cards
11. Amazon Pay ICICI Credit Card
- Annual Fee: Nil
- Key Benefits:
- 5% cashback on Amazon.in for Prime members
- 3% cashback for non-Prime members
- 1% cashback on other spends
- Ideal For: Frequent Amazon shoppers.
12. Flipkart Axis Bank Credit Card
- Annual Fee: ₹500 + GST
- Key Benefits:
- 5% cashback on Flipkart and Myntra
- 4% cashback on preferred merchants
- 1.5% cashback on other spends
- Ideal For: Regular shoppers on Flipkart and partner platforms.
🏦 Best Lifetime Free Credit Cards
13. IDFC FIRST Classic Credit Card
- Annual Fee: Nil
- Key Benefits:
- 4X reward points on spends above ₹10,000 per month
- 1% fuel surcharge waiver
- Complimentary railway lounge access
- Ideal For: Individuals seeking a no-fee card with decent rewards.
14. HSBC Visa Platinum Credit Card
- Annual Fee: Nil (for the first year)
- Key Benefits:
- Introductory offers on shopping and dining
- Reward points on all purchases
- Fuel surcharge waiver
- Ideal For: First-time credit card users.
🧳 Best Premium Credit Cards
15. HDFC Infinia Credit Card
- Annual Fee: ₹12,500 + GST
- Key Benefits:
- Unlimited lounge access worldwide
- 3.3% reward rate on all spends
- Concierge services and golf privileges
- Ideal For: High-net-worth individuals seeking luxury benefits.
16. ICICI Bank Emeralde Credit Card
- Annual Fee: ₹12,000 + GST
- Key Benefits:
- Unlimited lounge access
- Comprehensive travel insurance
- Exclusive dining and wellness offers
- Ideal For: Frequent travelers and luxury seekers.
📝 How to Choose the Right Credit Card
Selecting the ideal credit card depends on your spending habits and lifestyle. Consider the following factors:
- Spending Categories: Identify where you spend the most—be it shopping, travel, dining, or fuel.
- Annual Fees: Weigh the benefits against the annual fee to ensure value for money.
- Rewards & Cashback: Look for cards that offer the highest returns in your primary spending categories.
- Additional Perks: Consider benefits like lounge access, insurance coverage, and concierge services.
📌 Conclusion
The Indian credit card market in 2025 offers a plethora of options tailored to diverse needs. Whether you’re a frequent traveler, a shopping enthusiast, or someone seeking cashback on everyday spends, there’s a card designed for you. Evaluate your spending patterns, compare the features, and choose a card that complements your lifestyle.
Ready to apply? Explore detailed reviews and comparisons on Cardpedia.in to find the perfect credit card for you!
Best Credit Cards in India Based on Top Categories
| Best Credit Cards in India | Best For |
|---|---|
| Axis Bank Neo Credit Card | Bookings, Shopping, Movies, Cashback, Hotel, Movies |
| Citi Rewards Credit Card | Rewards |
| FinBooster: YES Bank-BankBazaar Co-branded Credit Card | Reward Points |
| HDFC Bank Diners ClubMiles Card | Lounge Access |
| IndianOil Citi Credit Card | Fuel |
| IndusInd Bank Platinum Aura Edge Credit Card | Travel, Dining, Lifestyle |
| IndusInd Bank Platinum Credit Card | Lifetime Free Card |
| RBL Shoprite Credit Card | Shopping |
| Standard Chartered DigiSmart Credit Card | Online Shopping, Travel & Dining |
| Yatra SBI Credit Card | Travel, Flight Booking, Hotel Booking |
| YES Prosperity Edge Credit Card | Shopping and lifestyle |
- American Express SmartEarn™ Credit Card
- Axis Bank ACE Credit Card
- Flipkart Axis Bank Credit Card
- HDFC Millennia Credit Card
- HDFC Regalia Credit Card
- ICICI Coral Credit Card
- RBL Bank ShopRite Credit Card
- SBI Card PRIME
- SBI SimplySAVE Credit Card
- SimplyCLICK SBI Credit Card
| Best Credit Cards in India | Best For | Annual Fee (INR) | Welcome Bonus | Category |
|---|---|---|---|---|
| American Express SmartEarn™ Credit Card | Online Purchases | 495 | Cashback of INR 500 (conditional) | Reward Points |
| Axis Bank ACE Credit Card | Bill Payments | 499 | INR 500 (conditional) | Cashback |
| Flipkart Axis Bank Credit Card | Online, Offline Shopping | 500 | INR 500 worth Flipkart vouchers and 15% cashback up to INR 500 on Myntra | Cash Back |
| HDFC Millennia Credit Card | Online Shopping and Bookings (conditional) | 1,000 | 1000 Cashback points | Cashback |
| HDFC Regalia Credit Card | All Kinds of Spends | 2500 | 2500 reward points | Reward points(Premium Card) |
| ICICI Coral Credit Card | Online and Offline Purchases | 500 | None | Reward Points |
| RBL Bank ShopRite Credit Card | Online and Offline Purchases | 500 | 2,000 Reward Points (with conditions) | Reward Points |
| SBI Card PRIME | Online and Offline Purchases | 2999 | E-gift voucher worth INR 3,000 | Reward Points |
| SBI SimplySAVE Credit Card | Offline Shopping | 499 | 2,000 bonus Reward Points (conditional) | Reward Points |
| SimplyCLICK SBI Credit Card | Online Shopping | 499 | Amazon.in gift card (worth INR 500) | Reward Points |
- Business Credit Cards
- Co-Branded Credit Cards
- Contactless Credit Cards
- Fuel Credit Cards
- Kisan Credit Card
- Lifestyle Credit Cards
- Lifetime Free Credit Cards
- NRI Credit Cards
- Rewards Credit Cards
- Shopping Credit Cards
- Student Credit Cards in India
- Travel Credit Cards
Best Credit Cards in India FAQs
Which credit card is the best for online shopping in India?
In India, you have a variety of credit card options for shopping. You can choose from a variety of credit cards, including the SBI SimplySave Credit Card, Citi Cashback Card, and HSBC Visa Platinum Credit Card, to name a few.
Which credit card in India offers the best travel benefits?
In India, many credit cards come with basic travel benefits such as airport lounge access, accelerated reward points on travel bookings, and so on. However, many credit cards, such as the HDFC Bank Regalia credit card, offer additional travel benefits. Check our Best Travel Credit Cards with No Annual Fee Article here.
Which is the best credit card for entertainment benefits?
Several credit cards provide access to a variety of entertainment benefits. However, there is a set of cards that are solely for entertainment purposes. They provide the best benefits in terms of entertainment, as well as a few features in other categories. Among the best credit cards for entertainment expenses are the Kotak PVR Gold Credit Card, HDFC Moneyback Credit Card, and Axis Bank Neo Credit Card.
