Credit cards have become an essential financial tool for millions of Indians. Whether you’re a frequent traveler, online shopper, or someone who enjoys dining out, the right credit card can help you save money, earn rewards, and access exclusive perks.
But with so many options available, how do you choose the right one?
We’ve compiled a list of the best credit cards in India for 2025, focusing on cashback, rewards, and premium benefits.
Best Cashback Credit Cards in India 2025
Cashback cards are ideal for people who want instant savings on daily expenses.
1. HDFC Millennia Credit Card
- 5% Cashback on popular everyday brands
- 1,000 Bonus Points on card activation
- Up to 10% Discount at partner restaurants
- Joining Fee: ₹1,000 + taxes
- Annual / Renewal Fee: ₹1,000 + taxes
2. SBI SimplyCLICK Credit Card
- 5X Reward Points on online shopping
- 10X Reward Points on Dominos, Myntra, Yatra & more
- Low Annual Fee with quick & easy approval
- Joining Fee: ₹499 + taxes
- Annual / Renewal Fee: ₹499 + taxes
3. Axis Ace Credit Card
- Up to 5% Savings on bill payments & recharges
- 1.5% Cashback on all spends (no cap)
- Up to 4 Free Domestic Lounge Visits per year
- Joining Fee: ₹499 + taxes
- Annual / Renewal Fee: ₹499 + taxes
Best Rewards Credit Cards in India 2025
Rewards cards let you earn points that can be redeemed for travel, shopping, vouchers, or even cash credit.
1. HDFC Regalia Credit Card
- 4 Reward Points on every ₹150 retail spend
- Complimentary Domestic & International Lounge Access
- Low Forex Mark-Up Fee of just 2%
- Joining Fee: ₹2,500 + taxes
- Annual / Renewal Fee: ₹2,500 + taxes
2. American Express Membership Rewards Card
- Earn Reward Points on every spend
- Redeem Rewards for vouchers from top brands
- Fuel Surcharge Waiver at petrol pumps across India
- Joining Fee: ₹1,000 + taxes
- Annual / Renewal Fee: ₹4,500 + taxes
3. ICICI Coral Credit Card
- 2,000 Reward Points on annual spends of ₹2 lakh
- 4 Airport & 4 Railway Lounge Visits per year
- Up to 25% Discount on BookMyShow & INOX movie tickets
- Joining Fee: ₹500 + taxes
- Annual / Renewal Fee: ₹500 + taxes
Premium Credit Cards for Lifestyle Benefits
If you want more than cashback—like airport lounge access, travel insurance, golf privileges, and concierge services—premium cards are for you.
- Axis Magnus Credit Card – Travel benefits, luxury lifestyle rewards
- SBI Elite Credit Card – Complimentary movie tickets, club membership
- HDFC Infinia Credit Card – Unlimited lounge access, premium hotel privileges
How to Choose the Right Credit Card
Before applying, keep these points in mind:
- Spending habits: Pick cashback cards if you shop online often; choose rewards if you want flexibility.
- Annual fees: Check if your savings outweigh the yearly charges.
- Extra perks: Travel, dining, lounge access, concierge—select what matters to you.
Final Thoughts
The best credit card in India 2025 depends on your lifestyle and spending pattern. Cashback cards are great for everyday savings, while rewards and premium cards are perfect if you love travel, luxury, and exclusive access.
Ready to apply? Explore the best credit cards in India 2025 here and start saving today.