Credit cards are now a big part of our everyday spending. From paying for groceries and shopping online to booking travel and enjoying lifestyle offers, a good credit card can give you many extra benefits. But with so many choices in the market, how do you know which is the right one for you?
That’s exactly why we created this simple guide to help you pick the best credit cards in India for 2025. Whether you want cashback, travel points, premium experiences, or just want to save on fees, this article will help you understand the best options available right now.
We have explained each credit card in simple language, compared their key features, and included important details like fees, rewards, and benefits. We’ve also answered some of the most asked questions at the end.
Let’s explore the top credit cards that can help you save more and get better value in 2025.
Why Choosing the Right Credit Card Matters
Before we list the top cards, here’s why picking the right credit card is important:
- Helps you save money through cashback or rewards.
- Gives free benefits like lounge access, discounts, or travel insurance.
- Helps build your credit score when used properly.
- Some cards offer zero annual fees, while others give big value for the fee paid.
Choosing wisely can help you get the most value with every swipe!
Best Credit Cards in India for 2025
Below is a list of the top credit cards in India, carefully selected based on their features, customer reviews, and usage benefits.
1. HDFC Millennia Credit Card
Best for: Cashback on online shopping
Why you’ll like it:
This card is perfect for young professionals who shop often on Amazon, Flipkart, Swiggy, or Zomato.
Key Features:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato
- 1% cashback on other spends
- Free lounge access (4 times/year)
- Fuel surcharge waiver
Fees: ₹1,000 (waived on ₹1.5L annual spend)
2. SBI Cashback Credit Card
Best for: Flat cashback on most spends
Why you’ll like it:
Simple and no-complication cashback card for both online and offline spends.
Key Features:
- 5% cashback on online spends
- 1% cashback on offline spends
- Instant EMI conversion
- Contactless payment support
Fees: ₹999 (waived on ₹2L spend/year)
3. Amazon Pay ICICI Credit Card
Best for: Amazon Prime members
Why you’ll like it:
If you shop often on Amazon, this lifetime free card gives real cashback directly to your Amazon wallet.
Key Features:
- 5% cashback for Prime members
- 3% for non-Prime users
- 2% on partner merchants
- No joining or annual fees
Fees: ₹0
4. Flipkart Axis Bank Credit Card
Best for: Flipkart, Myntra, and Cleartrip users
Why you’ll like it:
One of the best co-branded cards for online shopping on Flipkart platforms.
Key Features:
- 5% cashback on Flipkart, Myntra, Cleartrip
- 4% cashback on preferred partners like Swiggy, Uber
- 1.5% cashback on other spends
- Free lounge access
Fees: ₹500
5. Axis Bank Ace Credit Card
Best for: Paying bills via Google Pay
Why you’ll like it:
This card gives high cashback on utility bill payments—a rare benefit.
Key Features:
- 5% cashback on bills paid via Google Pay
- 4% cashback on food delivery and travel
- 2% cashback on other spends
- Lounge access at domestic airports
Fees: ₹499
6. HSBC Cashback Credit Card
Best for: Dining and everyday shopping
Why you’ll like it:
A great card for those who love to dine out and want steady cashback.
Key Features:
- 10% cashback on dining, groceries, and food delivery
- 1.5% on other spends
- Free airport lounge visits
- No joining fee for the first year
Fees: ₹999
7. HDFC Infinia Credit Card (Metal Edition)
Best for: Premium travel and lifestyle
Why you’ll like it:
Exclusive card with global benefits and luxury perks.
Key Features:
- Unlimited lounge access (domestic + international)
- 5 reward points on every ₹150 spent
- Low forex markup (2%)
- Complimentary golf and hotel stays
Fees: ₹12,500 (waived on ₹10L spend)
8. American Express Platinum Card
Best for: High-end users and global travelers
Why you’ll like it:
Prestigious card with luxury benefits and elite travel privileges.
Key Features:
- Access to premium Amex lounges
- Concierge services
- Hotel and airline perks
- Platinum rewards for every spend
Fees: ₹60,000 annually
How to Choose the Best Credit Card for You
Not all credit cards are suitable for everyone. Here are some tips to help you choose:
1. Know Your Spending Pattern
- Do you spend more on shopping, travel, dining, or bills?
2. Decide the Type of Reward You Want
- Cashback, reward points, or air miles?
3. Look at Annual Fees vs Benefits
- Some cards offer ₹5,000+ value even with a ₹500 fee.
4. Check Extra Benefits
- Lounge access, travel insurance, partner discounts, etc.
5. Make Sure You Qualify
- Cards have income and credit score requirements. Apply only if you meet the criteria.
FAQs – Best Credit Cards 2025
Q1. What is the best credit card in India for cashback in 2025?
A: SBI Cashback and HDFC Millennia are top choices for cashback seekers.
Q2. Which card is best for online shopping?
A: Amazon Pay ICICI and Flipkart Axis Bank cards are best for online shoppers.
Q3. Are there any lifetime free credit cards in 2025?
A: Yes, Amazon Pay ICICI and some entry-level cards offer zero fees for life.
Q4. Which credit card is best for travel benefits?
A: HDFC Infinia and American Express Platinum are great for travel and lounges.
Q5. Can I get a credit card without a salary?
A: Some cards offer against fixed deposits. Otherwise, you need stable income proof.
Q6. How can I apply for these cards?
A: You can apply online on the bank’s website or trusted platforms like Find My Swipe.
Final Thoughts
Finding the best credit cards in India for 2025 depends on your lifestyle, budget, and what you value most—cashback, travel perks, or premium services. There is no “one size fits all” card, but with the help of this guide, you can now easily pick the one that gives you the most value.
Whether you are new to credit cards or want to upgrade your current one, 2025 has some exciting choices for everyone.
Tip: Always pay your card bills on time and in full. This avoids interest and helps improve your credit score.
📝 Written by Team Find My Swipe
🔎 Helping you make smarter choices with simple money tips.