Credit cards have become an essential financial tool in India. Whether you shop online, pay utility bills, book flight tickets, or enjoy luxury travel, the right credit card can give you cashback, reward points, lounge access, and exclusive discounts. With so many options available, choosing the best credit card in India depends on your spending habits, lifestyle, and financial goals.
In this article, we will explore the top credit cards in India 2025 across different categories and help you find the one that fits your needs.
- SBI Cashback Credit Card – Best for Online Shopping
If you are someone who frequently shops online, the SBI Cashback Credit Card is a great choice.
Key Benefits:
5% cashback on all online transactions.
1% cashback on offline spends.
Cashback is auto-credited to your statement.
Annual fee: ₹999 (waived on ₹2 lakh yearly spend).
- ICICI Amazon Pay Credit Card – Best for Amazon Users
For Amazon shoppers, this lifetime-free credit card is highly rewarding.
Key Benefits:
5% cashback for Amazon Prime members.
3% cashback for non-Prime users.
1% cashback on all other spends.
No annual fee.
- Axis Bank Ace Credit Card – Best for Bill Payments & Food Delivery
This card is ideal if you spend a lot on utilities, food, and cabs.
Key Benefits:
5% cashback on bill payments via Google Pay.
4% cashback on Swiggy, Zomato, and Ola.
1.5% unlimited cashback on all other spends.
4 complimentary domestic lounge visits per year.
- HDFC Millennia Credit Card – Best for Lifestyle Spends
If your expenses are spread across shopping, food, and entertainment, this card is well-suited.
Key Benefits:
5% cashback on Amazon, Flipkart, Zomato, and Swiggy.
Free airport lounge access.
Annual fee: ₹1,000 (waived on minimum spends).
- HDFC Infinia Credit Card – Best for Premium Travel & Rewards
For high-spenders and frequent travelers, HDFC Infinia is considered one of the best in India.
Key Benefits:
3.3% reward rate on all spends.
Up to 33% benefits on SmartBuy.
Unlimited domestic & international lounge access.
1:1 transfer to major airline & hotel partners.
- American Express Platinum Travel Credit Card – Best for Frequent Travelers
A travel-focused card that offers hotel vouchers and exclusive travel perks.
Key Benefits:
Bonus travel vouchers worth up to ₹20,000 annually.
Complimentary Taj Stay vouchers.
Free airport lounge access.
Reward points redeemable for flights and hotels.
- Airline-Specific Credit Cards – Best for Flyers
If you frequently fly with a particular airline, a co-branded card can save you money. Popular options include:
Axis Bank Atlas
Air India SBI Signature
Kotak 6E IndiGo Rewards
ICICI MMT Signature Credit Card
These offer free lounge visits, bonus miles, and priority boarding.
- IDFC FIRST Millennia & Wealth Cards – Best Lifetime Free Option
For those who want a zero annual fee card, IDFC FIRST offers strong value.
Key Benefits:
Lifetime free with no hidden charges.
Attractive rewards on online and offline spends.
Complimentary lounge access depending on the variant.
- RuPay Credit Cards – Best for UPI Payments
With UPI integration, RuPay credit cards are becoming popular for daily transactions.
Key Benefits:
Seamless UPI payments using credit limit.
Low transaction charges.
Accepted across major merchants in India.
How to Choose the Best Credit Card for You
When selecting a credit card, consider:
✅ Spending Pattern – Online shopping, bills, food, or travel.
✅ Annual Fee Budget – Choose lifetime free if you want cost savings.
✅ Lifestyle Needs – Cashback, travel perks, or luxury rewards.
✅ UPI Integration – If you prefer digital-first payments.
Final Thoughts
The best credit card in India is not the one with the maximum features, but the one that aligns with your lifestyle.
For online shopping, SBI Cashback or Amazon Pay ICICI are great picks.
For bill payments and food, Axis Ace works well.
For frequent travelers, HDFC Infinia and AmEx Platinum Travel stand out.
If you want lifetime free cards, IDFC FIRST cards are excellent.
Choose wisely, and your credit card will not just be a payment tool, but a smart money-saving companion.
FAQs on Best Credit Card in India
Q1. Which credit card is best for online shopping in India?
SBI Cashback Credit Card and ICICI Amazon Pay Card are the best for online spends.
Q2. Which is the best credit card with no annual fee?
ICICI Amazon Pay and IDFC FIRST Millennia are top lifetime free cards.
Q3. Which credit card is best for frequent travelers?
HDFC Infinia and American Express Platinum Travel are best for travel benefits.
Q4. Which card is best for bill payments?
Axis Bank Ace Credit Card is perfect for bill payments through Google Pay.
Q5. Which card gives the highest cashback?
SBI Cashback Credit Card offers 5% on online transactions.
Q6. Which credit card has unlimited lounge access?
HDFC Infinia Credit Card offers unlimited domestic and international lounge access.
Q7. Which card is best for UPI?
RuPay credit cards are the best for UPI-linked payments.
Q8. Which bank provides the best premium credit card?
HDFC Bank offers HDFC Infinia, considered one of the best premium cards in India.
Q9. Which is the best credit card for food delivery?
Axis Bank Ace and HDFC Millennia offer great discounts on Zomato and Swiggy.
Q10. Which card is best for beginners?
Amazon Pay ICICI Card is easy to get and lifetime free.
Q11. Which card is best for lounge access?
HDFC Infinia, Axis Atlas, and AmEx Platinum Travel provide excellent lounge benefits.
Q12. Which credit card is best for Flipkart shopping?
HDFC Millennia and Axis Flipkart Credit Card work best for Flipkart users.
Q13. Is a credit card good for EMI purchases?
Yes, most cards allow EMI conversions at low interest.
Q14. Which credit card has maximum rewards on travel?
HDFC Infinia and Axis Atlas offer the best travel reward conversion.
Q15. Can I use a RuPay credit card abroad?
Yes, RuPay Global Cards are accepted internationally.
Q16. Which is the best credit card for luxury lifestyle?
HDFC Infinia is considered the top luxury credit card in India.
Q17. Which is better – cashback or rewards card?
Choose cashback for instant savings, and rewards if you travel often.
Q18. How can I get a lifetime free credit card?
Banks like ICICI, IDFC FIRST, and Amazon Pay offer lifetime free cards.
Q19. Which credit card is best for students?
ICICI Amazon Pay and IDFC FIRST Millennia are suitable for beginners/students.
Q20. Which credit card is best overall in India 2025?
For most users, SBI Cashback Credit Card stands out due to its 5% online cashback and versatility.
