Best Credit Cards in India 2025

Find the perfect credit card for cashback, travel, rewards, lifestyle, and no annual fee options.

1. Best for Cashback & Everyday Shopping

SBI Cashback Credit Card

Flat 5% cashback on online spends, 1% on offline. Auto-credited monthly. Ideal for online shoppers.

HDFC Millennia Credit Card

5% cashback on Amazon, Flipkart, Zomato, Myntra. Fee ₹1,000 (waived at ₹1L spend/year).

Axis Bank ACE Credit Card

5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 2% elsewhere. Great for bill payers.

Amazon Pay ICICI Credit Card

5% (Prime) or 3% (non-Prime) on Amazon; 1–2% on others. Lifetime free card.

Flipkart Axis Bank Credit Card

5% on Flipkart/Myntra, 4% on Swiggy/Uber, 1.5% elsewhere. Great for Flipkart loyalists.

IDFC FIRST Select / Millennia

Generous rewards (3X to 10X) on online & utility spends. Lifetime free with flexible rewards.

2. Best for Travel & Premium Benefits

HDFC Regalia / Regalia Gold

Airport lounge access, travel privileges, and strong rewards. Excellent for frequent travelers.

Kotak Mahindra Solitaire

Unlimited domestic/international lounges + Air India miles conversion. Great for flyers.

HDFC Diners Club Black / Axis Reserve / Atlas

Ultra-premium perks, unlimited lounges, and high multipliers. Best for luxury travelers.

American Express Platinum / Platinum Travel

Concierge, lounge access, bonus points, luxury lifestyle perks. Elite option for premium users.

3. Best for No Annual Fee or Budget Users

Amazon Pay ICICI Credit Card

Lifetime free; 5% for Prime users on Amazon. Perfect for budget-conscious users.

IDFC First Select / Millennia (LTF)

No annual fees, solid rewards across categories. Great starter credit card option.

OneCard by FPL

Lifetime free, customizable rewards, sleek app-based design. Ideal for tech-savvy users.

4. Best for Lifestyle, Rewards & Entertainment

American Express SmartEarn

Cashback on fuel, groceries, dining, plus lounge access. Lifestyle-friendly card.

Kotak League / Indigo Ka-Ching / RBL Shoprite

Entertainment, groceries, airline benefits – strong lifestyle mix.

YES Bank / Standard Chartered Super Value Titanium

Strong for online shopping, fuel, and utilities. Balanced lifestyle benefits.

Quick Decision Guide

Your Profile Recommended Cards
Maximum cashback (online) SBI Cashback, HDFC Millennia, Axis ACE
Amazon/Flipkart loyalist Amazon Pay ICICI, Flipkart Axis Bank
No annual fee / beginner IDFC First Millennia, OneCard
Frequent traveler HDFC Regalia, Kotak Solitaire, AmEx Platinum
Premium luxury perks HDFC Diners Black, Axis Reserve, AmEx Platinum
Lifestyle & entertainment AmEx SmartEarn, RBL Shoprite, Kotak Indigo