Best Credit Cards in India

Last Updated : Jan. 3, 2025, 5:56 p.m.

Credit cards are becoming increasingly popular and more and more individuals are using it. By 2025, the number of credit cards in use in India is estimated to reach around 44 million. By 2029, the number is expected to reach 45.81 million. Here, in this article, let us explore some of the best credit cards in India for 2025.

List of Top 20 Best Credit Cards in India 2025

Want a credit card to shop for your favorite goodies? A bunch of credit cards in India with a wide range of benefits are shown in the table below. Compare and Choose from the list that resonates with your shopping demands and go through the striking features of every card.

Note – The fees & charges would also include 18% Goods and Services Tax (GST) over the same.

Detailed Features and Benefits of the Top Credit Cards for 2025

You have explored all the striking features of the best cards. But here you can see the other benefits of the cards in detail.

SimplySAVE SBI Card

The SBI SimplySave Credit card is designed for everyday purchases. The card enables you to save well and earn huge rewards on your daily expenses and other categories. This card is a great pick for entry level users as it has a low annual fee and gets approved easily. Other benefits include fuel surcharge waiver, welcome bonus, and annual fee waiver on reaching milestone spends. Overall, this is a great card to have in your purse and one of the best credit cards in India for 2025.

• Accelerated reward structure in the offing with 10X rewards on every ₹100 you wish to spend on movies, groceries, departmental stores, and dining.
• The gift of annual fee reversal is up for grabs on spending ₹90,000 in a year.
• Get a fuel surcharge waiver on your vehicle refill with transactions worth between ₹500-3,000.
• It has accelerated rewards for moviegoers, grocers, diners, etc.

BPCL SBI Card

The BPCL SBI credit card enables you to save greatly on fuel in the form of accelerated reward points and fuel surcharge waivers. The card ranks among the best fuel cards in India by giving 13X reward points on fuel spends at BPCL outlets along with the 1% fuel surcharge waiver on vehicle refill. The accrued reward points can be redeemed easily at more than 1,200 partner BPCL outlets. Apart from these, the card offers rewards across various other categories like groceries, departmental stores, movies, and dining. Overall, this is one of the best credit cards in India.

• 1% surcharge waiver on refilling the vehicles for every transaction of up to ₹4,000.
• Reward points earned can be redeemed instantly for BPCL vouchers, and fuel purchases at BPCL outlets or at Shop n Smile rewards catalog.
• 5X rewards for every ₹100 spent on grocery, departmental store, dining, and movies.
• Accelerated rewards structure with 5x rewards on grocery and several other retail spends.
• Get 2 PAYBACK points on spending every ₹100 towards retail purchases excluding fuel.
• Redeem 2,000 PAYBACK points for a fuel purchase worth ₹500.
• Earn 2.5% cashback on a minimum purchase of ₹500 and enjoy a 1% surcharge waiver on vehicle refill at HPCL petrol pumps.
• Enjoy dining at over 800 restaurants with a minimum 15% discount.
• Get a discount of ₹100 on booking 2 movie tickets a month at BookMyShow.
• A top fuel card with redemption and surcharge waiver.
• Rewards & cashback on retail spending.
• Discount on dining and movies.

HDFC Diners Club Black Credit Card

Enjoy an elite lifestyle with this card which offers attractive and unlimited privileges like annual memberships from luxury hotels, complimentary golf games across the world, reward points on every spend, gift vouchers on reaching milestone spends, and a lot more. Apply for this credit card and enhance your lifestyle with one of the best credit cards in India.

• Enjoy complimentary annual memberships from popular brands such as Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), and MMT Black.
• Gift vouchers from popular brands such as complimentary ola cabs, Cult.fit Live, BookMyShow, and TataCliq on spends of more than Rs. 80,000 every month.
• Enjoy 6 complimentary golf games per quarter across the finest courses in the world
• Earn 5 reward points per Rs. 150 spent.
• Enjoy up to 10x rewards on purchases via the SmartBuy app
• Enjoy 2x reward points on weekend dining
• Enjoy a forex markup fee of 2% on all your foreign currency spends.
• Enjoy unlimited airport lounge access to 1000+ lounges in India and around the world for primary and add on card members.

HDFC Regalia Gold Credit Card

The HDFC Regalia Gold Credit Card rewards you across various categories like shopping, dinner, traveling, etc. Enjoy complimentary memberships, complimentary lounge access, reward points on spends across popular brands and everyday spends, milestone benefits, renewal fee waiver, and so on. Have a great user experience with this credit card which is one of the best credit cards in India.

• Get a complimentary Club Vistara Silver Tier and MMT Black Elite membership on spends of Rs. 1 lakh and more within 90 days of card issuance.
• Get 12 airport lounge access within India and up to 6 airport lounge access globally using the priority pass.
• Get 5x reward points per Rs. 150 spent on daily and retail spends (Like grocery, apparel, utility/bill pay, school fees, insurance, etc.
• Get vouchers worth Rs. 1500 from Marriott international, Myntra, Marks and Spencer, or Reliance Digital on spends of Rs. 1.5 lakhs per quarter.
• Get flight vouchers worth Rs. 5000 on annual spends of Rs. 5 lakhs.

ICICI HPCL Coral Credit Card

If you want to cut off your fuel expenses then this credit card will be best for you. It has various offers on fuel transactions that you can explore below.

• Get 2 PAYBACK points on spending every ₹100 towards retail purchases excluding fuel.
• Redeem 2,000 PAYBACK points for a fuel purchase worth ₹500.
• Earn 2.5% cashback on a minimum purchase of ₹500 and enjoy a 1% surcharge waiver on vehicle refill at HPCL petrol pumps.
• Enjoy your dining at over 800 restaurants with a minimum 15% discount.
• Get a discount of ₹100 on booking 2 movie tickets a month at BookMyShow.
• A top fuel card with redemption and surcharge waiver.
• Rewards & cashback on retail spending.
• Discount on dining and movies.

Standard Chartered Smart Credit Card

This credit card offers cashback across all online and other spends, regardless of the brand or platform. With this card, you can earn cashback across major utility spends like water, gas, telecom, and electricity. This card is a great shopping card and also one of the best credit cards in India for 2025.

• Save 2% on your online purchases by using this credit card as your payment option.
• And other than online spending, for your offline transactions you will have 1% back.
• If you choose to convert a large transaction into an EMI, a 0.99% p.m. interest will apply.
• And if you are a new user then you will have 90 days of extended interest-free period.

SBI Pulse Credit Card

This is one of the best credit cards in India for 2025. It focuses on fitness and gives you health benefits. Further it also rewards you for every spend on other categories, provides complimentary airport lounge visits, and also a fuel surcharge waiver.

• Have a Noise ColorFit Pulse SmartWatch as a welcome gift worth ₹4999.
• Get a free Fitpass Pro Membership and Netmeds First Membership for one year.
• Enjoy 10 reward points on spending ₹100 on Pharmacy, Chemist, Movies, and Dining.
• Get 2 reward points for spending ₹100 on all the other categories.
• Spend ₹4 Lacs in a year and earn an e-voucher of INR 1500.
• Have a Fraud liability cover of ₹1 Lac on the Pulse Credit Card.
• Get 8 complimentary visits to the airport lounges in a year through this card.
• Enjoy a fuel surcharge waiver of 1% on this credit card.

SimplyCLICK SBI Card

This card is the best one for online shopping and rewards you for each and every offline and online spend. It provides huge rewards on spending across major brands like BookMyShow, Lenskart, and a lot more. You will be given a warm welcome with gift vouchers as well on paying the joining fee. Enjoy using this card which is one of the best credit cards in India for 2025.

• Earn 10X Reward Points on online spending with top partners like Amazon, BookMyShow, Cleartrip, Lenskart, etc.
• On all other online spending, you can earn 5X Reward Points. On every offline spend, you can earn 1X reward points.
• On spending Rs.1 lakh in a year, you will get an e-voucher worth ₹2,000.
• If you spend INR 1,00,000 in a year, you can get your annual fee (₹499) waived off in the following year.
• Gift vouchers from Amazon worth Rs. 500 on the payment of the joining fee.
• Experience the comfort of contactless technology on your daily purchases with your SBI Credit Card.

HDFC MoneyBack Plus Credit Card

This card offers attractive cashback on spends. It gives reward points on every transaction with a higher benefit on online spends. Cashpoints can be accumulated on spending across popular brands such as Amazon, Flipkart, Reliance Smart SuperStore, etc. and also spends across other categories. Other benefits include dining privileges, gift vouchers, fuel surcharge waiver, etc. On the whole, this is one of the best credit cards in India.

• Earn 2 cashpoints per Rs. 150 spent across other categories (Excluding fuel, EMI, wallet loads, prepaid card loads, and voucher purchases).
• Get a gift voucher of Rs. 500 on spending Rs. 50,000 per calendar quarter. Earn gift vouchers worth up to Rs. 2000 in a year.
• Enjoy a fuel surcharge waiver of 1% on fuel transactions between Rs. 400 to Rs. 5,000 (With a maximum waiver of Rs. 250 per statement cycle).

Amazon Pay ICICI Credit Card

It is one of the best credit cards for shopping in India since you can grab the best deal on Amazon through this card. It rewards both Amazon Prime members and non prime members. This card enables you to save across 100 plus partner merchants of Amazon and other categories like fuel, dining, travel, etc. Overall, this is one of the best credit cards in India for 2025.

• Get a cashback of 5% on Amazon if you are a prime member of Amazon.
• Get a cashback of 3% on Amazon through this card if you are a non-prime member.
• Enjoy 2% cashback by using this card on Amazon Pay at 100+ partnered merchants of Amazon.
• Get 1% cashback on all other categories like shopping, insurance, dining, and holidays.
• Save up to 15% on dining at over 2500 restaurants across India under the Culinary Treat Program through this credit card.
• Get a Fuel Surcharge waiver of 1% at all the refilling stations.

Axis Bank Reserve Credit Card

Enjoy a luxurious lifestyle with the Axis Bank Reserve Credit Card, which is one of the best credit cards in India for 2025. Enjoy benefits like the 6 complimentary golf rounds across the finest courses in the world, unlimited domestic and international lounge visits via the priority pass, low forex markup fee, and so on. Overall, this card is one of the best credit cards in India.

• Unlimited domestic and international lounge visits via the priority pass.
• Low forex mark-up fee of 1.5%
• Earn 2x reward points on international spends.
• Get 50 free golf rounds every year across select golf courses in India.
• Buy 1 movie ticket and get a discount of up to Rs. 500 off on the second ticket. This is valid for up to 5 times in a month.
• Purchase 1 non movie ticket and get up to Rs. 1000 off on the second ticket. You can use this offer for up to 5 times in a month.
• Enjoy exclusive offers at Oberoi hotels and resorts.
• Enjoy 20% savings at postcard hotels.

Standard Chartered Ultimate Credit Card

This card is a great one to have in the purse for those individuals who want to enjoy a lavish lifestyle. Experience some exclusive benefits with this card like golf services, priority pass membership, etc. This card also has a low forex rate of 2%. Overall, this card leaves you with a great user experience and is one of the best credit cards in India for 2025.

• Earn a lump sum of 5 reward points on every ₹150 spent using the credit card
• And a cashback benefit of 5% on your duty free spend via the credit card
• For your overseas spend, a low foreign currency mark-up of 2%
• Access to premier golf courses with 1 free complimentary game per month
• Get up to ₹1 Crore of air travel accident coverage and ₹20 Lakhs medical insurance.

Flipkart Axis Bank Credit Card

If you are a shopping enthusiast, then this credit card is one of the best shopping credit cards in India that gives you exclusive deals on Flipkart’s official website and mobile application. Other benefits include cashback across popular brands like Cure.fit, PVR, Ubereats, Urbanclap, Flipkart, Myntra, 2GUD, and MakeMyTrip, free lounge visits, etc. Overall, this is one of the best credit cards in India for 2025.

• Have a welcome and activation bonus of up to ₹3300 on this credit card.
• Enjoy a Flipkart Voucher of ₹500 after doing your first transaction from this card.
• Get a cashback of 5% on Flipkart and 2GUD through this Card.
• Have a cashback of 4% on the Cure.fit.
• 4% Cashback on Goibibo, PVR, Ubereats, and Urbanclap.
• Enjoy a cashback of 1.5% on all other categories.
• Get 5% cashback on shopping from Myntra.
• Make a Booking on MakemyTrip and get a cashback of 4%.
• Enjoy 4 Complimentary Access to the Domestic Airport Lounges in India.

Kotak Royale Signature Credit Card

This credit card provides benefits across travel, reward points, airport lounge access, fuel surcharge, railway surcharge, annual fee waiver, etc. Enjoy a royal experience with this credit card which is one of the best credit cards in India.

• Redeem the reward points earned through this credit card on mobile recharge, Air Tickets, and at 10,000 merchandise stores through easyrewardz.
• Multiply your reward point 4 times on every spend of ₹500 and it is one of the best credit cards in India.
• Get Complimentary access to Airport Lounges in India.
• Enjoy privileges such as gourmet meals, Widescreen Television, Resting Ares, Newspapers, Magazines, Free Wi-Fi Facility, etc.
• Get a cover of ₹2.5 Lacs in case of the card loss and is used for any fraudulent means.
• Enjoy a fuel surcharge waiver on using the card for transactions worth ₹500 to ₹3000.
• The maximum waiver is limited to up to ₹3500 per year.

Axis Bank ACE Credit Card

This card is best suited for making utility bill payments and ordering food online through the Zomato and Swiggy app. This card provides accelerated cashback on your daily spends enabling you to save well. This card, which is one of the best credit cards in India for 2025 is a great one to have in your wallet.

• Spend ₹10,000 within 45 days from the card issuance date and waive the annual joining fee.
• Get a cashback of 5% on bill payment of the gas bills, electricity bills, DTH bills, and other utility bills on Google Pay.
• Have a flat cashback of 4% on Swiggy.
• Enjoy a cashback of 4% on OLA.
• Get 4% cashback on Zomato.
• There is a cashback of 2% on all other spendings through this credit card.
• There is no maximum limit on cashback.
• Enjoy a discount of up to 20% at the 4000+ partnered restaurants in India.
• Get 4 complimentary visits to the domestic airport lounges.
• Enjoy a Fuel Surcharge waiver of 1% at all the refilling stations up to ₹500 per month.

Axis Bank My Zone Credit Card

Have a great dining experience with one of the best credit cards in India for 2025 - The Axis MyZone Credit Card. Whether you visit a restaurant or order food online through apps, this card is a great pick. This is one of the best dining credit cards in India . Apart from dining, other benefits include discounts on movie tickets, instant discounts on Swiggy, complimentary lounge visits, complimentary Sony Liv Premium annual subscription, etc.

• Get an Annual Subscription of Sony Liv Premium of ₹999 on your first spend within 30 days of the card issuance.
• Enjoy a 100% cashback on Movie tickets booked from Paytm.
• Enjoy 4 Edge Reward Points per ₹200 spend from the Axis My Zone Credit Card.
• Get a Flat ₹600 off on AJIO on a minimum transaction of ₹2000.
• Get a discount of up to 20% on dining under the Dining Delights Scheme.
• Have 40% off on Swiggy food delivery applications up to 4 times a month.
• Get 1 free access to the airport lounge per quarter.
• Enjoy a discount of 1% on fuel surcharge.

Axis Bank NEO Credit Card

The Neo credit card gives you an Amazon Voucher and Zomato Pro subscription for 3 months. This card would be best for making utility bill payments. Other benefits include discounts on shopping, dining, food delivery, utility bill payments, movies, etc. So, sit back and enjoy the benefits of one of the best credit cards in India.

• Enjoy an Amazon Gift Voucher of ₹250, Zomato Pro 3 months subscription, 1mg, and Grofer’s 6 months subscription on your first spend within 30 days of card issuance.
• Get a cashback of 5% on mobile recharges, DTH Recharges, and Electricity Bill Payments through Paytm App.
• Get a 10% discount on Myntra, Grofers, and Bookmyshow subjected to a maximum discount as per the offer.
• Enjoy 1 Edge Reward Point on spending ₹200 from this credit card.
• Have a discount of 40% on Swiggy food delivery applications up to 2 times a month.
• Get 15% off under the dining delight scheme at the partnered restaurants.

SBI Prime Credit Card

SBI Card Prime is a reward based credit card offering accelerated earnings on movies, dining, groceries, and departmental stores. It offers accelerated reward points across select categories. Apart from these, other benefits include gift vouchers on milestone spends, complimentary lounge access, fuel surcharge waiver, insurance cover, etc. Definitely, this is one of the best credit cards in India to have in your wallet.

• Enjoy a welcome bonus of up to Rs. 3000 from reputed brands like Marks and Spencer, Yatra, Bata, Hush Puppies, Pantaloons, and Shoppers Stop.
• Enjoy a complimentary club Vistara silver membership.
• Get free Trident Privilege Red Tier membership and exclusive 1000 points on registration.
• Enjoy a Pizza Hut E-Voucher of ₹1000 after spending ₹50000 in a calendar quarter.
• Get a Yatra E-Voucher of ₹7000 after spending ₹5 Lacs annually.
• Earn 20 reward points on every ₹100 spent on standing instructions for the payment of utility bills.
• Earn 15 reward points on spending ₹100 on Reliance Fresh, Reliance Trends, Reliance Smart, Reliance Footprint, Sahakari Bahandar, and Bigbasket stores.
• Get 10 reward points for every ₹100 spent on groceries, dining, movies, and department stores.
• Have 20 reward points on every ₹100 spent on your birthday.
• Enjoy 4 complimentary visits to the international Airport Lounges under the priority pass program and it will be a maximum of 2 visits per quarter.
• Get 8 Free Visits to the Domestic Airport Lounges with a maximum of 2 visits per quarter.

SBI Elite Credit Card

This credit card is the best for earning reward points on various transactions. It allows you to grab the best deals for redeeming your reward points earned through this credit card. Other benefits include discounts on movie tickets, e-vouchers from popular brands etc. On the whole, this is one of the best credit cards in India for 2025.

• Earn an E-Voucher worth 5000 as a welcome gift that can be used on Yatra, Hush Puppies, Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop and the SBI users consider this card as one of the best credit cards in India.
• Get free movie tickets of up to ₹6000 in a year.
• Enjoy a maximum discount of ₹250 per ticket with a maximum booking of 2 tickets in a month.
• Achieve the transaction limit of ₹3 and ₹4 Lacs and earn 10000 reward points at each milestone.
• Enjoy additional 15000 reward points on achieving the milestone of ₹5 Lacs and ₹8 Lacs.
• Multiply Reward Points 5 times at the dining, grocery, and departmental store expenditure.
• Enjoy 2 Reward Points per ₹100 on every other transaction.
• On every expense of ₹100 at Vistara Flights, earn 9 Club Vistara Points.
• Have a free priority pass worth $99.
• Get 6 Complimentary accesses to the Airport Lounges per calendar quarter.
• Enjoy 1 complimentary lounge visit and 1 Upgrade voucher club Vistara membership.
• Have 4 Free Golf Access at the top Gold Courses with 1 Free Golf Lesson across India.
• Enjoy 24×7 Concierge service through SBI Elite Credit Card.
• Enjoy Free Trident Privilege Red Tier membership.
• Earn 1500 Reward Points at the first visit to the Trident Hotel and ₹1000 hotel credit if you extend the stay.
• Enjoy a fuel surcharge waiver of 1% at all the refilling stations.

Tata Neu Plus HDFC Credit Card

This credit card enables you to earn rewards on every spend and save 10% on all your purchases. Other benefits include complimentary lounge access, fuel surcharge waiver, 50 day interest free period, redemption of NeuCoins against purchases on Tata Neu/Website etc. So, why wait? Apply for this card and enjoy the benefits with one of the best credit cards in India for 2025.

• Save up to 7% on the Tata Neu Plus HDFC Credit Card.
• Earn valueback of 2% as NeuCoins
• Earn 1% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends.
• Enjoy 8 domestic and 4 international complimentary lounge access per annum
• Enjoy a fuel surcharge waiver of 1%

How to Choose the Right Credit Card?

After researching and curating a list of the best credit cards in India for 2025, you can choose the ones most suitable for you based on the following criteria.

• Evaluate your spending habits: Assess your spending habits and choose a credit card aligned with them. For instance, if you are a frequent flyer, then, you should choose a credit card that rewards you on flight tickets, airport lounge access, etc.
  
• Assess the benefits of the card: Carefully review the benefits of the card like discounts, cashback, gift vouchers, lounge access, etc. and then select based on your preferences and needs.
  
• Fees and charges: Before choosing a credit card, ensure that the benefits of the card outweigh the fee. Also, ensure that the joining and annual fees and other charges fits into your budget. Lifetime free credit cards are a great boon and it is beneficial to opt for them. So, from a well researched list of best credit cards in India for 2025, select a budget friendly card.
  
• Understand about rewards redemption: Read and understand how reward points are redeemed. See, if the process of redeeming rewards is cumbersome or easy. Also, check the validity of reward points. For some credit cards, reward points have a very short validity period in which case you may not be able to make use of rewards accrued. Some credit cards have reward points which never expire.
  
• Credit score: Maintaining a good credit score and history can get you easy approval of your loan or credit card application. It can help you access a wider range of credit cards and loans.
  
• Interest rate: Evaluate the APR of the credit card before choosing it. Doing so will help you understand the borrowing costs involved. Knowing the interest rate will help you make a good decision and engage in careful credit and financial management.
  
• Customer Service: Ensure that the credit card has reliable and quality customer service, to ensure prompt and effective assistance whenever required.

How to Apply for a Credit Card?

Here are the ways and steps to apply for some of the best credit cards in India for 2025:

Thru the bank website

Step 1: Visit the official website of the bank from which you want the credit card. Fill out some basic details asked like name, email ID, address, income, contact number, etc.

Step 2: You will get a call from a representative of the bank, and he/she will take you through the process step by step.

Step 3: The representative may also come to collect your documents at your doorstep.

Step 4: Post this, the bank will check the documents and issue the credit card after verification.

Thru the Wishfin Website

You can apply for a credit card through Wishfin. There are no login credentials. All you have to do is navigate to the Wishfin portal and go to the credit card section. When you mention the personal and professional details needed, the quotes of different card offers will be shown on the screen. You can apply in three ways on Wishfin.

Step 1: Open the online application form available on Wishfin

Step 2: Fill the form with your personal and professional details.

Step 3: Submit the form to process your application.

Apply Through Whatsapp

Step 1: Click ‘Apply with the ease of Whatsapp chat’

Step 2: Input your mobile number and click ‘Continue with Whatsapp

Step 3: After that, you will receive a link. Click this link to join a group having Wishfin as the other member.

Step 4: Answer some questions on personal and professional levels and also on credit history.

Step 5: Submit your application.

Step 6: The bank will inspect the application before approving it.

Apply through Wishfin Chat

Step 1: Click the link ‘Use Wishfin Chat’

Step 2: Click the button ‘Start Wishfin Chat’

Step 3: The chat window pops up.

Step 4: Enter the details asked in the chat and the chatbot will take you through the rest of the application process. Follow the instructions and proceed towards completing the application.

Conclusion

From above you might have shortlisted a few cards by now. Let’s proceed with the further steps now and connect with our credit card experts to see which one will suit you the best. We’ll calculate your credit card suitability based on your spending and most spend on items/services.