Best Credit Cards in India for 2025 - Rewards, Cashback & More

India has a wide range of credit card choices, each catering to different needs and lifestyles.

With so many options available, choosing a suitable credit card can feel confusing. Whether you are a salaried employee, a self-employed individual, or a student, selecting an optimal credit card makes sense only after a thorough evaluation of your spending habits, financial goals, and the benefits that each card has to offer.

Here's a simple guide to help you simplify things and make an easier decision.

Understanding Credit Cards

Credit cards are simply a financial instrument that allows customers to borrow money from a bank up to a certain credit limit and return it over a set period (often monthly). Credit cards are used to make cashless payments in routine activities, such as online shopping and booking flights. Unlike a debit card, which debits the client's bank account directly, a credit card allows customers to take advantage of an open line of credit, which allows them to spend before repayment.

People choose credit cards for a variety of reasons, including reward points, cashback, travel perks, and lifestyle benefits such as food discounts and free airport lounge access. Furthermore, appropriate credit card use creates credit history and helps people improve their credit scores. It is critical to utilize credit cards wisely or risk accruing high interest rates and falling into debt.

Choosing the Right Credit Card in India

One of the most often asked questions by individuals, particularly salaried professionals, is: Which is the best credit card to have in India? The fact is that there is no general answer to this question since the best credit card is determined by individual preferences and financial goals.

Credit cards provide a variety of features geared to certain needs, some focus on rewards and cashback, while others provide travel benefits fuel savings, or lifestyle perks. To choose the best card, consider factors such as:

• Spending Patterns: If you spend a lot of money on shopping, travel, or dining, seek credit cards that provide the most benefits or cashback in these categories.
• Fees & Charges: Some credit cards need an annual charge, while others are Lifetime Free. Ensure that the benefits outweigh the expenses.
• Interest Rates: If you want to carry a balance, choose a card with lower interest rates.
• Reward Programs: Compare the value and redemption choices for reward points given by various cards.
• Additional Benefits: Travel insurance, purchase protection, and free access to airport lounges can increase the value of your card.

Finally, the best credit card for you is one that matches your financial goals and spending patterns. Take your time comparing different possibilities, study the terms and conditions carefully, and select a card that provides the most rewards without placing excessive burden on your budget.

How to Apply for a Credit Card Online in India: A Step-by-Step Guide for Beginners

Applying for a credit card online in India is quick and convenient, but it’s important to be prepared. Follow this step-by-step guide to ensure a smooth and hassle-free application process.

Step 1: Gather Your Documents

Before you start, make sure you have all the necessary documents ready. These typically include:

• Aadhaar Card (for identity and address proof)
• PAN Card (mandatory for financial transactions)
• Bank account details (for income verification)
• A blank piece of paper and a pen (for your digital signature during the eKYC process)

Having these documents handy will save you time and make the process faster.

Step 2: Find a Quiet Spot with Good Internet Connectivity

Choose a quiet, well-lit place where you can focus without interruptions. A stable internet connection is crucial for a seamless online application and eKYC process. This will help avoid delays or technical glitches during the verification stage.

Step 3: Research and Choose the Right Credit Card

Not all credit cards are the same. Take some time to explore different options based on your needs rewards, cashback, travel benefits, or low interest rates. Compare offers from various banks and select the one that suits your lifestyle and spending habits.

Step 4: Visit the Bank’s Website or Mobile App

Once you've chosen a credit card, head to the bank's official website or download their mobile app. Look for the credit card section and select the card you want to apply for. Most banks have a user-friendly interface that guides you through the process.

Step 5: Fill Out the Application Form

Enter your personal, financial, and employment details accurately. Double-check the information to avoid errors, as mistakes can delay the approval process. You’ll also need to upload scanned copies or photos of your documents (Aadhaar, PAN, etc.).

Step 6: Complete the eKYC Process

The eKYC (Electronic Know Your Customer) process is a crucial step. You’ll need to provide a digital signature and may be asked to complete a video verification. Ensure your camera and microphone are working properly, and follow the instructions carefully.

Step 7: Submit and Wait for Approval

Once you've filled out the form and completed the eKYC, review all the details and submit your application. Most banks will provide an application reference number to track your status. Approval can take a few hours to a few days, depending on the bank’s verification process.

Pro Tip: Check Your Credit Score

Before applying, it's a good idea to check your credit score. A higher score increases your chances of approval and may even qualify you for better offers.

By following these steps, you'll be well on your way to securing your first credit card online in India. Ready to get started? Pick the right card, gather your documents, and apply today!

Let's look the Best Credit Cards and their benefits.

Best UPI Rupay Credit Cards

RuPay credit cards are a fantastic choice for frequent domestic transactions, offering seamless UPI integration, attractive cashback, and reward benefits. Perfect for those who prefer low-fee credit cards and want to earn rewards on everyday local purchases, RuPay cards combine convenience and value for Indian users.

Yes Bank Kiwi Credit Card

• Lifetime Free RuPay Credit Card: No joining or annual fees!
• Minimum 2% Cashback on Scan & Pay: Earn cashback on every UPI transaction.
• 5% Cashback on ₹1.5 Lakh Yearly Spends: Maximize your savings with higher cashback on bigger spends.
• Free Airport Lounge Access: Enjoy 3 complimentary lounge visits annually after spending ₹1.5 lakh in a year.

Why Choose It?

Ideal for UPI enthusiasts and young professionals who want a fee-free card with great cashback and lounge access benefits.

IndusInd RuPay Platinum Credit Card

• Lifetime Free RuPay Credit Card: No joining or annual fees!
• 2 Reward Points per ₹100 on UPI Transactions: Earn double rewards on UPI spends.
• 1 Reward Point per ₹100 on Non-UPI Transactions: Get rewards on all other purchases.
• Convert Rewards to Cash: Redeem your points for cashback or other rewards.

Why Choose It?

A budget-friendly card for those who want basic rewards and the flexibility to convert points into cash.

HDFC Tata Neu Infinity Credit Card

• 10% NeuCoins on Tata Neu App: Earn high rewards on Tata Neu purchases.
• 5% NeuCoins at Partner Tata Brands: Shop at Tata brands like BigBasket, Croma, and Westside for extra rewards.
• 5% NeuCoins on Bill Payments via Tata Neu: Pay bills and earn rewards simultaneously.
• 1.5% NeuCoins on Tata Neu UPI Spends: Get rewards on UPI transactions via Tata Neu.
• 0.5% NeuCoins on Other UPI Spends: Earn rewards on all other UPI transactions.
• Complimentary Airport Lounge Access: Enjoy 8 domestic and 4 international lounge visits per year.

Why Choose It?

Perfect for Tata brand loyalists who want to maximize rewards on everyday spending and enjoy premium lounge access.

Best FD backed Secured Credit Cards

FD-backed secure credit cards are a fantastic choice for individuals with limited or no credit history, as they are supported by a fixed deposit (FD) that acts as collateral. These cards offer a smart way to build or rebuild credit while promoting financial discipline since the credit limit is usually a percentage of the FD amount. They are low-risk for both the issuer and the cardholder, making them ideal for students, first-time credit users, or anyone aiming to improve their credit score. Plus, they often come with rewards and benefits comparable to regular credit cards, providing a secure and practical way to manage your finances effectively.

IDFC First WOW Credit Card

• No credit score or history required
• No income proof needed
• Instant approval
• Earn up to 4X Rewards on every spend
• Credit limit of 100% or more of your FD value
• Earn up to 7.25% interest p.a. on your fixed deposit

Kotak 811 DreamDifferent Credit Card

• Lifetime Free Rupay Credit Card
• Credit limit of up to 90% of your term deposit
• Earn 4 reward points on online spends
• Earn 1 reward point on other spends
• Get a ₹250 voucher after spending ₹36,000 in the anniversary year
• Receive a ₹1,000 voucher after spending ₹72,000 in the anniversary year

SuperCard by Super Money

• No Annual Fee and No Joining Fee
• 5% Cashback on Myntra, 3% on Cleartrip, and 2% on Flipkart (non-UPI spends)
• Up to 5% Cashback on UPI transactions
• 0.5% cashback on all non-UPI credit card transactions

Best Shopping Credit Cards

Shopping credit cards are your ultimate tool to maximize rewards, cashback, and discounts on every purchase whether online or offline. Tailored for frequent shoppers, these cards offer exclusive perks like high cashback rates, reward points, and discounts on top brands and platforms. Some even come with special benefits during sales or festive seasons, making them a must-have for savvy shoppers. Whether you're splurging on fashion, upgrading your electronics, or planning your next getaway, these cards ensure you get the best value for every rupee spent. Popular options include cards tied to e-commerce giants like Amazon, Flipkart, and Myntra, as well as those offering flat cashback on all transactions. Choose the one that matches your shopping habits and watch your savings grow as you spend.

Cashback SBI Card

• 5% cashback on all online spends
• 1% cashback on offline spends
• Earn up to ₹5,000 cashback per month
• Renewal fee waived on spending ₹2 lakh annually

Amazon Pay ICICI Credit Card

• 5% cashback on Amazon for Prime members
• 3% cashback on Amazon for non-Prime members
• 2% cashback at Amazon Pay partner merchants
• 1% cashback on all other spends

Flipkart Axis Bank Credit Card

• 5% cashback on Flipkart and Cleartrip
• 4% cashback at partner merchants (Swiggy, PVR, Uber, etc.)
• 1% cashback on other spends
• 4 complimentary airport lounge visits annually on spending ₹50,000+

HDFC Millennia Credit Card

• 5% cashback on Amazon, Flipkart, Myntra, Zomato, BookMyShow, and more
• 1% cashback on other categories
• On spending ₹1 lakh quarterly: 1 complimentary lounge access OR a ₹1,000 voucher from partner brands
• Up to 20% off on dining via Swiggy Dineout

Swiggy HDFC Bank Credit Card

• 10% cashback on Swiggy orders
• 5% cashback on online spending across categories
• 1% cashback on all other spends (including offline)
• Annual fee waived on ₹2 lakh annual spends

Myntra Kotak Credit Card

• 7.5% off (up to ₹750) per transaction on Myntra
• 5% cashback (up to ₹1,000/month) on Swiggy, PVR, Cleartrip, and more
• 1.25% cashback on all other transactions
• 2 complimentary PVR tickets (₹250 each) on ₹50,000 quarterly spends

Best Travel Credit Cards

Travel credit cards are specifically designed to help you earn maximum rewards on travel-related expenses, including flights, hotels, dining, and more. Whether you're a frequent flyer or an occasional traveler, these cards offer exclusive perks, lounge access, and exciting welcome benefits. Let's dive into some of the best travel credit cards available.

Axis Atlas Credit Card

• Earn 2.5X EDGE Miles on travel spends.
• Enjoy a welcome bonus of 2,500 EDGE Miles.
• Get up to 5 EDGE Miles per ₹100 spent on travel.
• Access 18 complimentary domestic lounge visits annually.
• Enjoy 12 international lounge accesses every year.

American Express Platinum Travel Credit Card

• Receive 10,000 Membership Rewards Points as a welcome benefit.
• Avail a 20% discount at select restaurants.
• Get 2 domestic lounge accesses every quarter (8 per year).

SBI Card MILES PRIME

• Earn 3,000 Travel Credits on spending ₹60,000 within 60 days of card issuance.
• Get 4 Travel Credits per ₹200 on travel spends and 2 Travel Credits per ₹200 on other expenses.
• Enjoy 8 complimentary domestic lounge accesses and 4 international lounge accesses annually.
• Benefit from travel insurance covering flight cancellations, lost baggage, and air accidents.

RBL World Safari Credit Card

• Receive a MakeMyTrip voucher worth ₹3,000 as a welcome gift.
• Earn 5 travel points per ₹100 on travel spends and 2 travel points per ₹100 on other expenses.
• Get 2 domestic lounge accesses every quarter and 2 complimentary international lounge visits annually via Priority Pass.
• Enjoy 4 complimentary golf rounds and 12 golf lessons every year.
• Zero markup fee on international spending.

ixigo AU Credit Card

• Welcome benefits include 1,000 Reward Points (RPs) and a ₹1,000 ixigo Money Voucher on your first transaction within 30 days.
• Earn 20 RPs on train bookings via ixigo, 10 RPs on online spends, and 5 RPs on offline spends.
• Avail a 10% discount on flight, bus, and hotel bookings.
• Get 8 domestic lounge accesses and 1 international lounge access annually (Priority Pass issued on request).

IRCTC SBI RuPay Credit Card

• Earn 350 Reward Points on a minimum transaction of ₹500 within 45 days of card issuance.
• Get 1 Reward Point for every ₹125 spent.
• Enjoy complimentary railway lounge access annually and accommodation at 5,000+ hotels across 350+ cities in India.

Best Fuel Credit Cards

Fuel credit cards are tailored for frequent drivers, offering savings on fuel purchases at petrol pumps. They typically provide cashback, reward points, or waivers on fuel surcharges.

IndianOil RBL Bank XTRA Credit Card

• 7.5% Valueback: Earn 15 Fuel Points and enjoy a 1% fuel surcharge waiver.
• Welcome Bonus: Get 3,000 Fuel Points when you spend Rs. 500 or more within 30 days of card issuance.
• Quarterly Milestone Reward: Earn 1,000 fuel points on spending Rs. 75,000 in a quarter.
• Fuel Surcharge Waiver: 1% waiver (up to Rs. 200 per month) on fuel transactions between Rs. 500 and Rs. 4,000.
• Annual Fee Waiver: Spend Rs. 2.75 lakh or more in a year, and the annual fee is waived.

BPCL SBI Card Octane Credit Card

• Welcome Benefits: Kickstart your journey with 6,000 reward points.
• Fuel Savings: Enjoy up to 7.25% valueback as reward points on fuel purchases at BPCL petrol pumps.
• Exclusive Rewards: Earn 25X reward points at BPCL stations, with a cap of 2,500 points per statement cycle.
• Travel Perks: 4 complimentary domestic airport lounge visits annually.
• Spend-Based Rewards: Get a Rs. 2,000 gift voucher on annual spending of Rs. 3 lakh.
• Fee Reversal: Next year's fee is waived if you spend Rs. 2 lakh or more annually.

IDFC Power Plus Credit Card

• Fuel Savings: Save 5% on HPCL fuel spending (30 reward points per Rs. 150 spent).
• Extra Savings via HP Pay App: Earn 6 Happy Coins per Rs. 100 spent on fuel through the HP Pay app.
• Grocery & Utility Savings: Get 5% back (30 reward points per Rs. 150 spent).
• FASTag Recharge Benefits: Save 5% on IDFC FIRST FASTag recharges.
• Welcome Offer: Rs. 500 cashback on your first HPCL fuel transaction.
• Travel Perks: 1 complimentary domestic airport lounge visit every quarter (minimum monthly spend of Rs. 20,000).
• Annual Fee Waiver: Spend Rs. 50,000 in the previous year, and the annual fee is waived.
• Roadside Assistance: Enjoy complimentary assistance worth Rs. 1,399, up to 4 times a year.
• Insurance Benefits: Personal accident cover of Rs. 2 lakh and lost card liability cover of Rs. 25,000.

IndianOil Axis Bank Credit Card

• Fuel Savings: Save up to 5% on IOCL fuel spending.
• Online Shopping Rewards: Earn 1% back as 5 EDGE reward points per Rs. 100 spent.
• Exclusive Fuel Rewards: Get 4% back as 20 EDGE reward points per Rs. 100 spent on IOCL fuel.
• Fuel Surcharge Waiver: 1% waiver (up to Rs. 50 per month) on fuel spends between Rs. 400 and Rs. 4,000.
• Annual Fee Waiver: Spend Rs. 3.5 lakh annually, and the fee is waived.

Final Thoughts

The best credit cards in India for 2025 will stand out for their unparalleled flexibility, exceptional value for money, and personalized experiences that cater to individual preferences. Choose a card that is perfectly suited to your spending habits and lifestyle to ensure you get the most out of it in terms of rewards and convenience. Don't forget to carefully compare fees, interest rates, and reward programs your ideal card is out there, waiting to help you achieve your financial goals.