Introduction
Credit cards have become an essential financial tool for modern India. Whether it’s online shopping, travel bookings, fuel savings, lifestyle benefits, or building a strong credit score — a good credit card can help you save thousands of rupees every year.
But with so many banks offering dozens of credit cards, choosing the best credit card in India can get confusing. That’s why we’ve created a detailed, updated, and easy-to-understand guide for 2025.
In this article, you’ll discover:
- Best credit cards for shopping
- Best credit cards for fuel
- Best cashback credit cards
- Best travel cards
- Best low annual fee cards
- Fees, rewards, joining benefits, and expert tips
Let’s dive in.
⭐ Top 10 Best Credit Cards in India (2025)
These cards are selected based on rewards, customer reviews, benefits, joining perks, and annual fees.
1. HDFC Regalia Gold Credit Card
One of India’s most popular premium cards.
Key Benefits
- Free airport lounge access across India
- Points on every transaction
- Travel & lifestyle privileges
- Free dining benefits
- Travel vouchers as reward points
Annual Fee: ₹2,500
Best For: Frequent travellers & lifestyle spenders
2. SBI Cashback Credit Card
India’s best cashback card for online shoppers.
Benefits
- 5% cashback on online shopping
- No reward redemption fee
- 1% cashback on offline spends
- NIL annual fee for first year
Annual Fee: ₹999 (waived on spending ₹2 lakh)
Best For: Flipkart, Amazon, Myntra shoppers
3. Axis Bank Ace Credit Card
Highly rewarding and Google Pay-friendly.
Features
- 5% cashback on bill payments (GPay)
- 4% cashback on Zomato, Swiggy, Ola
- Airport lounge access
- Low annual fee
Annual Fee: ₹499
Best For: Food delivery and bill payments
4. ICICI Amazon Pay Credit Card
Perfect card for Amazon lovers.
Benefits
- Free Amazon Prime discounts
- 5% cashback for Amazon Prime users
- No joining fee
- Cashback auto-credited into Amazon Pay
Annual Fee: ₹0
Best For: Amazon shopping
5. Flipkart Axis Bank Credit Card
One of the most rewarding shopping cards.
Benefits
- 5% cashback on Flipkart
- 4% cashback on Swiggy, PVR, CureFit
- Airport lounge access
- Fuel surcharge waiver
Annual Fee: ₹500
Best For: Shopaholics & foodies
6. HDFC Millennia Credit Card
Smooth card for online spenders.
Features
- Up to 5% cashback
- Great for Amazon, Flipkart, Swiggy
- Free lounge access
- EMI offers
Annual Fee: ₹1,000
Best For: Young earners & students
7. IDFC FIRST Wealth Credit Card
Fully premium benefits at zero fees.
Benefits
- Lifetime FREE
- Zero forex markup
- Highest reward points
- Unlimited lounge access (domestic/international)
Annual Fee: ₹0
Best For: Frequent travellers
8. RBL Bank World Safari Card
Travelers’ favourite.
Benefits
- Zero forex markup fees
- International lounge access
- Travel insurance
- No hidden charges
Annual Fee: ₹3,000
Best For: International travel
9. Yes Bank Wellness Plus Credit Card
Designed for fitness & health conscious users.
Benefits
- Discounts on lab tests, health checkups
- Reward points on medical spends
- Free fitness sessions
- Insurance benefits
Annual Fee: ₹1,999
Best For: Health-conscious individuals
10. AU Bank LIT Credit Card
India’s first customizable credit card.
Highlight Features
- Choose your benefits
- Cashback on Zomato, BigBasket
- Fuel benefits
- Rewards + lounge
- Subscription-like structure
Annual Fee: Starts ₹49 per month
Best For: People who want flexibility
Comparison Table – Best Credit Cards (2025)
| Card Name | Best For | Annual Fee | Top Benefit |
|---|---|---|---|
| HDFC Regalia Gold | Travel + lifestyle | ₹2,500 | Airport lounges |
| SBI Cashback Card | Shopping | ₹999 | 5% cashback |
| Axis Ace | Food + Bills | ₹499 | 5% bill cashbacks |
| Amazon Pay ICICI | Amazon shopping | ₹0 | 5% Amazon cashback |
| Flipkart Axis | Shopping | ₹500 | 5% Flipkart cashback |
| HDFC Millennia | Online spend | ₹1,000 | 5% reward |
| IDFC Wealth | Premium travel | ₹0 | Unlimited lounges |
| RBL Safari | International | ₹3,000 | Zero forex |
| Yes Wellness | Health | ₹1,999 | Health benefits |
| AU LIT | Custom plan | ₹49/mo | Choose your perks |
How to Choose the Best Credit Card for Yourself
✔ Identify Your Spending Type
- Online shopping
- Travel
- Groceries
- Fuel
- Dining
- Business expenses
✔ Check Annual Fee vs Benefits
A card with ₹1000 fee but ₹5,000 rewards = profitable.
✔ Prefer Cards with Lounge Access
Especially if you travel.
✔ Reward Redemption Should Be Easy
Avoid cards charging redemption fees.
✔ Look for Hidden Charges
Check:
- Forex markup
- Cash withdrawal charge
- Late payment fees
Benefits of Using a Credit Card in India
✔ Build Credit Score
Improves your loan eligibility.
✔ Cashback Benefits
Save money on everything.
✔ Reward Points
Redeem for flights, shopping, vouchers.
✔ EMI Conversion
Buy expensive items easily.
✔ Safety
Secure online payments.
FAQ – Best Credit Cards in India
Q1: Which is the best credit card for beginners?
Amazon Pay ICICI or HDFC Millennia.
Q2: Which card gives maximum cashback?
SBI Cashback Card (5%).
Q3: Which is the best travel credit card?
HDFC Regalia Gold, IDFC Wealth, RBL Safari.
Q4: Which card is lifetime free?
IDFC FIRST Wealth Credit Card.
Q5: Which card is best for food delivery?
Axis Ace (Zomato, Swiggy, Ola cashback).
Conclusion
Choosing the best credit card in India depends on your lifestyle and spending habits. Whether you’re a student, a salaried employee, a business owner, or a frequent traveler—there’s a perfect card designed for you.
Credit cards offer convenience, cashback, rewards, and financial flexibility. Pick your card wisely, pay bills on time, and enjoy maximum benefits with zero risk.
