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Best Credit Cards in India

A Comprehensive Guide to the Best Credit Cards for Every Need in 2025.

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23 June 2025

You must choose the credit card that best meets your needs because everyone has different goals when it comes to credit cards. Some credit cards work better for online bill payments and others for finding great deals.

Our article has listed below some of the best credit cards in India to assist you in making an informed decision.

Our Recommendations

After comparing the high-rated and top credit cards in India in 2025, here are our top picks -

IDFC FIRST Millenia Credit Card is a lifetime free credit card with lots of offers.
HDFC Infinia Credit Card is a luxury and travel credit card.
Axis Bank ACE Credit Card is an affordable card with offers across regularly used platforms.

Also Read: Best CashBack Credit Card

Top 10 Credit Cards of 2025

The most budget-friendly credit cards are those listed below:

Name of Credit Card and Bank	Joining Fee	Annual Fee	Best For	Top Benefits
IDFC First Millennia Credit Card	Nil	Nil	Lifestyle / Travel	Discounts on movie tickets, restaurants, and health and wellness. Complimentary railway lounge access, etc.
ICICI Rubyx Credit Card	₹3,000 + GST	₹2,000 + GST	High-end Lifestyle	24*7 concierge services, complimentary domestic airport lounge and railway lounge access, etc.
RESERV Credit Card (Previously known as YES FIRST EXCLUSIVE)	₹2,499 + Taxes	₹2,499 + Taxes	Travel / Lifestyle	Complimentary airport lounge access, credit shield coverage, etc.
HDFC Regalia Gold Credit Card	₹2500 + Taxes	₹2500 + Taxes	Lifestyle / Luxury	24*7 concierge services, complimentary domestic and international lounge access, etc.
IDFC FIRST Wealth Credit Card	Nil	Nil	Travel / Lifestyle	Lifetime free, complimentary airport lounge and spa access, movie ticket discounts, etc.
HDFC Infinia Credit Card Metal Edition	₹12,500 + Taxes	₹12,500 + Taxes	Luxury Lifestyle	24*7 global concierge services, complimentary golf, Club Marriott membership, and much more.
SBI SimplySAVE Credit Card	₹499	₹499	Lifestyle	Reward points on spends across categories, like dining, movies, groceries, etc.
Axis Flipkart credit card	₹500 + Taxes	₹500 + Taxes	Lifestyle	Cashback on purchases from Myntra, Flipkart, Cleartrip, etc.
ICICI Emeralde Credit Card	₹12,499 + GST	₹12,499 + GST	Luxury Rewards	24*7 concierge services, complimentary golf, airport lounge access, etc.
Axis Bank ACE Credit Card	₹499	₹499	Lifestyle	Offers on DTH recharge, Zomato, Ola, Swiggy, complimentary domestic airport lounge access, and much more.

IDFC First Millennia Credit Card

The IDFC First Millennia Credit Card has low charges and high benefits, and is one of the top credit cards in India in 2025. Interest rates start from 9% p.a., and you can avail interest-free cash withdrawals up to 48 days.

Joining Fee	Nil
Annual Fee	Nil
Eligibility Criteria	Annual income of ₹3 Lakh or more
Add-on Card Joining & Annual Fee	₹499
Ideal User	People looking for high reward points, low interest rates, and online as well as offline shoppers.
Other Benefits & Features	25% discount on movie tickets up to ₹100 booked via District by Zomato mobile app every month Welcome voucher of ₹500 on spending a minimum of ₹5,000 in the first 30 days 5% cashback up to ₹1,000 on first EMI transaction within the first 30 days Four complimentary railway lounge visits, each quarter Free Roadside Assistance valued at ₹1,399, up to 4 times in a year 1% of the fuel surcharge is waived off up to ₹200 every month Personal Accident Cover and Lost Card Liability Cover of ₹2 Lakh and ₹25,000, respectively 1X Reward Points for paying utility bills and insurance premiums Up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness stores

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ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is attractive if you are looking for a credit card with lots of offers in India. Interest rates start from 3.75% per month for both ATM withdrawals and late payments.

Joining Fee	₹3,000 + GST
Annual Fee	₹2,000 + GST, waived off on spending more than ₹3 Lakh in the previous year
Eligibility Criteria	Indian citizens above the age of 21, a monthly income of ₹75,000 for salaried individuals, and a yearly income of ₹9 Lakh for the self-employed
Add-on Card Joining & Annual Fee	Nil joining fee, annual fees of ₹199 + GST
Ideal User	People who enjoy golf, dining out, and discounts on movie tickets.
Other Benefits & Features	2 complimentary rounds of golf each month based on eligible spending 2 complimentary domestic airport lounge access each quarter 8 complimentary railway lounge access in a year Welcome vouchers worth ₹5,000 from EaseMyTrip, Tata Croma, Uber, etc. 25% up to ₹150 on movie tickets twice a month 24*7 concierge services 1% waiver on fuel transactions from ₹400 - ₹4,000 Reward points on reaching milestones Air accident insurance covers up to ₹1 Crore

Yes First Reserv Credit Card

Previously known as the Yes First Exclusive Credit Card, the Reserv Credit Card charges only 2.99% on overdue amounts. It offers air miles and instant EMI options for your purchases. This is a good option if you are looking for credit cards in India with the best benefits.

Joining Fee	₹2,499 + Taxes, waived off if you spend ₹40,000 on retail within the first month of card setup
Annual Fee	₹2,499 + Taxes, waived off if you spend ₹3 Lakh or more within 12 months before the card renewal date
Eligibility Criteria	Individuals between the age of 21 and 60 years, salaried or self-employed with a minimum monthly income of ₹2 Lakh or ITR of minimum ₹18 Lakh, and not holding a Yes Bank credit card beforehand
Add-on Card Joining & Annual Fee	Nil charges, up to 3 can be issued
Ideal User	Frequent fliers who also shop online often.
Other Benefits & Features	4 green fee waivers and 1 golf lesson per year at selected Indian golf courses Credit Shield coverage of ₹15 Lakh, Lost Card Liability of ₹15 Lakh to ₹30 Lakh 1% of the fuel surcharge between ₹400 and ₹5,000 is waived off 6 to 24 reward points on every ₹200 spent on selected categories Access to airport lounges worldwide for Mastercard and Visa cards 3 complimentary lounge visits every quarter in India for primary and add-on cardholders

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HDFC Regalia Credit Card

The HDFC Regalia Gold Credit Card can get you 5 times reward points for shopping from certain brands. Let’s learn in detail about this high-rated credit card in India -

Joining Fee	₹2,500 + Taxes
Annual Fee	₹2,500 + Taxes
Eligibility Criteria	The minimum age requirement is 21. If you are salaried, your monthly income should be more than ₹1 Lakh, and you should be within 60 years of age. If you are self-employed, your ITR should be more than ₹12 Lakh p.a., and your age should be within 65.
Add-on Card Joining & Annual Fee	Nil
Ideal User	People who are heavy shoppers, especially from Marks & Spencer, Myntra, Nykaa & Reliance Digital.
Other Benefits & Features	Welcome benefits include complimentary Club Vistara Silver Tier and MMT Black Elite membership, when you spend ₹1 Lakh within 90 days of the card issue date Vouchers of ₹1,500 on quarterly expenditures of ₹1.5 Lakh Flight vouchers worth ₹5,000 on yearly expenditures of ₹5 Lakh and an extra ₹5,000 voucher on expenditures of ₹7.5 Lakh 5X Reward Points for purchases made at Reliance Digital, Myntra, Nykaa, and Marks & Spencer 247 concierge services 12 complimentary airport lounge access (both domestic and international terminals) in more than 1000 airports in India Every ₹150 spent (on retail purchases) earns you 4 reward points

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FIRST Wealth Credit Card

The FIRST Wealth Credit Card is a lifetime free card. In this case, the joining bonus is not applicable for card upgrades. Want to know more about this high-rated credit card?

Joining Fee	Nil
Annual Fee	Nil
Eligibility Criteria	Annual income of ₹36 Lakh or more
Add-on Card Joining & Annual Fee	₹499 + Taxes
Ideal User	Beginners looking for a luxurious card with affordable maintenance charges.
Other Benefits & Features	A lifetime free credit card After 30 days of the card's generation, spend ₹5,000 or more to receive a welcome voucher worth ₹500 5% cash back on the first EMI transaction amount made within 30 days after card creation, up to ₹1,000 3X Reward Points for a statement cycle on purchases up to ₹20,000 10 times the reward points for exceeding ₹20,000 in a statement cycle and on your birthday Only 1.5% + GST forex mark-up ‘Buy One, Get One' offer on movie tickets on the District mobile app, and get ₹250 off on the second ticket With a monthly spending of ₹20,000, you will receive 4 complimentary railway lounge visits 2 complimentary visits to domestic airport lounges and spas, and 2 complimentary visits to international airport lounges per quarter 2 complimentary golf lessons/sessions every month 1% fuel surcharge waiver of up to ₹300 on fuel transactions between ₹200 and ₹5,000

HDFC Infinia Credit Card

The HDFC Infinia Credit Card is a metal card that offers complimentary Club Marriott membership and nights & buffets in select ITC hotels. This is one of the top credit cards by comparison to other cards. Membership in this card is by invitation only.

Joining Fee	₹12,500 + Taxes
Annual Fee	₹12,500 + Taxes
Add-on Card Joining & Annual Fee	Nil
Eligibility Criteria	Invitation only
Ideal User	Pro credit card users who want a luxurious-looking card as well as luxury services.
Other Benefits & Features	10,000 reward points as welcome and renewal rewards upon fee realization and card activation Spend ₹10 Lakh or more in the previous 12 months and get the renewal membership charge waived for the next year Complimentary nights and buffets in affiliated ITC hotels Complimentary Club Marriott membership for the first year Access unlimited airport lounges worldwide for Primary and Add-on members Earn 5 Reward Points for every ₹150 spent 24*7 global personal concierge Unlimited complimentary golf games at top courses across India and around the world

SBI SimplySAVE Credit Card

The SBI SimplySAVE Credit Card offers reward points for every purchase, wherein each reward point is equal to ₹0.25. Let’s read about this credit card’s offers -

Joining Fee	₹499
Annual Fee	₹499, waived off if you spend more than ₹1 Lakh in the previous year
Eligibility Criteria	Indian citizens below the age of 70. The minimum age is 21 for salaried, and 25 for self-employed individuals.
Add-on Card Joining & Annual Fee	Nil
Ideal User	Beginners who want an affordable card with low maintenance fees.
Other Benefits & Features	Spend ₹2,000 or more in the first 60 days and receive 2,000 additional reward points Enjoy 10 reward points for every ₹150 spent on dining, movies, department stores, and groceries Get an annual membership fee reversal starting from the second year of your subscription. 1% fuel surcharge waiver up to ₹100 on transactions between ₹500 and ₹3,000 Transfer the unpaid balance of other banks' credit cards to your SimplySAVE SBI Card, and get a cheaper interest rate and pay back in EMIs.

Axis Flipkart credit card

The Flipkart Axis Bank Credit Card offers attractive welcome benefits and cashback on every spend. You can enjoy dining offers and complimentary lounge visits.

Joining Fee	₹500 + Taxes
Annual Fee	₹500 + Taxes, waived off on annual spends over ₹3,50,000
Eligibility Criteria	Should be an Indian resident between the ages of 18 and 70
Add-on Card Joining & Annual Fee	Nil
Ideal User	Beginners who are looking for an affordable card with ample benefits. It will also be good for the people who shop extensively on Flipkart.
Other Benefits & Features	Earn 5% cashback on purchases at Flipkart and Cleartrip, up to ₹4,000 per quarter on each website Earn cashback of 7.5% on Myntra, up to ₹4,000 per quarter Receive a welcome voucher worth ₹600 from numerous brands Up to 15% off up to ₹500 at partner restaurants throughout India Get 50% off, up to Rs.100, on your first Swiggy order

ICICI Emeralde Credit Card

The ICICI Emeralde Credit Card is a premium metal card. This card is invite-only and has attractive reward points. You can redeem your reward points both through internet banking and the iMobile Pay app.

Joining Fee	₹12,499 + GST
Annual Fee	₹12,499 + GST, waived off on spending over ₹10 Lakh in the previous year
Eligibility Criteria	Invite Only
Add-on Card Joining & Annual Fee	Nil
Ideal User	People who enjoy a luxurious lifestyle and are looking for a premium card.
Other Benefits & Features	Unlimited airport lounge access Unlimited complimentary golf rounds Buy one, get one for up to ₹750 off on movie, concert, and event tickets twice a month Get 2 vouchers worth up to ₹6,000 on annual spends of ₹8 Lakh 24*7 concierge service Air accident cover up to ₹3 Crore No cancellation fees for domestic travel or hotel reservations, up to ₹12,000 1% waiver on fuel transactions Earn reward points for every ₹200 spent

Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card offers cashback on every spend. With this card, you can enjoy discounts on dining and also easily convert your purchases into easy EMIs. This Axis Bank card is one of the Indian credit cards with the best benefits.

Joining Fee	₹499
Annual Fee	₹499, waived off on spending more than ₹2 Lakh in the previous year
Eligibility Criteria	The individual should be a resident of India between the ages of 18 and 70
Add-on Card Joining & Annual Fee	Nil
Ideal User	People who want a card with a low joining and annual fee, and good cashback offers.
Other Benefits & Features	1.5% cashback on all transactions except select ones Complimentary access to domestic airport lounges on spending ₹50,000 in the previous 3 months 5% cashback is available for DTH recharges, bill payments, and mobile recharges made with Google Pay. 4% cashback on Zomato, Ola, and Swiggy 1% fuel surcharge waiver, up to ₹500, across all fuel stations in India on fuel purchases between ₹400 and ₹4,000 Get up to 15% off up to ₹500 at 4000+ partner restaurants in India

Best Travel Credit Card in India

Travel credit cards are a unique kind of credit card that provides a variety of benefits, including reward points and loyalty programs, as well as travel memberships, hotel vouchers, and welcome bonuses.

Here is a credit card comparison between India’s best travel credit cards -

Name of Credit Card and Bank	Joining Fee	Annual Fee	Best for	Top Benefits
IDFC Wow Credit Card	Nil	Nil	Travel	4X rewards on travel spends, zero forex mark-up fee, etc.
HDFC Bank Diners Club Miles Credit Card	₹1,000 + Taxes	Rs.1,000	Travel	Complimentary lounge access all over the world, 15% discount on dining, etc.
YES Bank ELIE+ Credit Card (Previously known as the Premia Credit Card)	Rs.999 + Taxes	Rs.999 + Taxes	Travel / Rewards	Complimentary lounge access (domestic and international), foreign currency markup of 2.75%, etc.
Club Vistara SBI Card	₹1,499 + Taxes	Nil	Travel / Rewards	Complimentary lounge access, both domestic and international, cancellation cover up to ₹3,500, etc.
SBI Platinum Card for IRCTC	₹500 + Taxes (One Time)	₹500	Travel	Complimentary railway lounge access, offers, and reward points on buying train tickets, etc.

FIRST WOW Credit Card from IDFC Bank

The IDFC Wow Credit Card is a premium secured credit card. You don’t need to submit any income proof to qualify for this credit card. You can get high credit limits, up to 100% of your FD amount.

Joining Fee	Nil
Annual Fee	Nil
Eligibility Criteria	The applicant should be an Indian citizen at least 18 years of age. The applicant should also have an FD of ₹20,000 created during the card application process.
Add-on Card Joining & Annual Fee	Nil
Ideal User	People with low credit scores or no credit history.
Other Benefits & Features	4X rewards on every travel spend No Forex mark-up fee No interest on ATM cash withdrawal for up to 45 days 6.25% on the FD you make while applying for the card Personal Accident Cover of ₹2 Lakh, Lost Card Damage Cover of ₹25,000, and purchase protection of ₹25,000

HDFC Bank Diners Club Miles Credit Card

The HDFC Bank Diners Club Miles Credit Card has a range of travel, lounge, and dining benefits. 1 reward point is equivalent to 1.00 AirMile.

Please note that HDFC is not issuing this card currently, but old cardholders can enjoy the benefits as usual.

Joining Fee	₹1,000 + Taxes
Annual Fee	₹1,000; waived off on spending ₹1 Lakh in the previous room
Eligibility Criteria	The minimum age requirement is 21 years. For salaried employees, the age limit is 60 years, and the minimum income should be ₹30,000 per month. For self-employed individuals, the age limit is 65, and the minimum income should be ₹3.6 Lakh per annum.
Add-on Card Joining & Annual Fee	Nil
Ideal User	Travel enthusiasts on a budget.
Other Benefits & Features	6 complimentary lounge accesses per year across 1,000+ lounges across the world 15% discounts in the dining category 4 Reward Points for each ₹150 spent Redeem your points for airline tickets and hotel accommodations Air accident cover of ₹1 Crore, medical expenses cover up to ₹25 Lakh, credit liability cover of up to ₹9 Lakh Travel insurance cover of up to ₹50,000 for baggage delay/loss

YES Bank ELITE+ Credit Card

The YES Bank ELITE+ Credit Card, previously known as the Premia Credit Card, gives rewards on movie tickets, airline tickets, and hotel bookings. Let’s learn more about this high-rated credit card -

Joining Fee	₹999 + Taxes, waived off on retail spends of ₹20,000 within one month of card setup
Annual Fee	₹999 + Taxes, waived off on total retail spends of ₹2 Lakh in the previous year
Eligibility Criteria	Individuals between the ages of 21 and 60. Salaried or self-employed individuals with a minimum income of ₹1 Lakh per month or ITR of ₹9 Lakh per year. Please note that if you already have a YES Bank credit card, you are not eligible for this card.
Add-on Card Joining & Annual Fee	Nil
Ideal User	Travel enthusiasts looking for a card within ₹1,000.
Other Benefits & Features	3 complimentary international airport lounge visits each year 2 complimentary domestic airport lounge visits per quarter 4, 6, and 12 reward points on every ₹200 spent, depending on the category 25% discount on movie tickets booked on BookMyShow Preferential foreign currency markup of only 2.75% 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 Waiver of the Green Fee at 4 instances at select golf courses, 1 complimentary golf lesson every month Credit shield cover of ₹3 Lakh, lost card liability of ₹3 Lakh

Club Vistara SBI Card

The Club Vistara SBI Card offers great rewards on travel and fuel. You get 1 economy ticket as a gift when you pay the annual fee. This card can be used for contactless payments and can be used globally, which makes it one of the top credit cards in India in 2025.

Joining Fee	₹1,499 + taxes
Annual Fee	Nil
Eligibility Criteria	Indian residents above the age of 18
Add-on Card Joining & Annual Fee	Nil
Ideal User	People looking for a medium-range card with great benefits and rewards
Other Benefits & Features	3 CV points per ₹200 spent Up to four cancellations each year, each restricted at ₹3,500 Liability coverage for lost cards up to Rs.1 Lakh Air Accident Coverage up to ₹50 Lakh 4 complimentary visits per year to domestic airport lounges (with a maximum of one per quarter)

SBI Platinum Card for IRCTC

The SBI Platinum Card is one of the most affordable credit cards for travel enthusiasts. You get great offers on railway tickets and complimentary railway lounge access as well. You can also transfer the outstanding balance of other credit cards to this card.

It offers many benefits that get it a spot on the credit card comparison list in India.

Joining Fee	₹500 + Taxes (One Time)
Annual Fee	₹500
Eligibility Criteria	Indian residents between the ages of 21 and 70
Add-on Card Joining & Annual Fee	Nil
Ideal User	Train travel enthusiasts who want a super-affordable credit card.
Other Benefits & Features	Get a 350 activation bonus. Reward points for a single transaction of ₹500 or more within 60 days after card issuance 500 reward points for paying renewal fees Receive one reward point for every ₹125 spent on non-fuel retail purchases, including train ticket purchases 1% fuel surcharge waived off on transactions between ₹500 and ₹3,000 Buy tickets on the IRCTC website and app (except sleeper class) and receive up to 10% value back in Reward Points Enjoy four complimentary train lounge visits per year to participating lounges in India (maximum one per quarter) Save 1% on transaction charges when ordering railway tickets through the IRCTC website

How to Choose the Right Credit Card?

With so many credit card options available today, it can be challenging to choose the right card for your needs. Here are some tips on picking the right card for you -

Consider why you want to apply for a credit card and what you will use it for.
Compare various credit cards based on interest rates, reward points, etc. Many websites have sections where you can compare credit cards to make an informed decision.
Pay close attention to the fees and charges related to credit cards.
Consider the credit score requirements to qualify for your chosen credit card, and if you qualify.
Take the annual income required, and if you are eligible based on that.

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Conclusion

It is difficult to determine which bank credit card is best overall because most of them in India provide the best credit card offers and comparable benefits with minor variations and additional costs.

This article attempts to identify some of the top credit cards in India that provide cashback, incentives, fuel-related perks, and travel-related benefits. You can compare each of these credit cards to choose the one that best suits your needs and take advantage of its advantages.

Please note: Eligibility, fees, charges, and rewards are mentioned as of 5th July 2024, and can be revised by the respective banks without any notice. Please check with the bank before applying for a credit card.

Best Credit Cards in India - Related FAQs

Which fuel credit cards in India offer the best cashback and rewards?

HDFC Money-Back Credit Card
Indian Oil HDFC Bank Credit Card
ICICI Bank HPCL Coral Credit Card
Kotak Royale Signature credit card
SBI BPCL Octane Credit Card

What are the top five best grocery credit cards in India?

HDFC Bharat Credit Card
ICICI Amazon Pay Credit Card
Axis Bank Flipkart Credit Card
RBL Titanium Delight Credit Card
SimplySave SBI Card

Which bank credit card is best in the market?

ICICI Bank Credit Cards are some of the best, providing the best offers and benefits while also being economical. But the card that suits your needs will be the best for you.

What are the additional fees connected with a credit card?

When you apply for a credit card, there is an application fee, an annual fee, a late fee, a fee for cash withdrawals, and a few other fees.

What are the primary benefits of a credit card?

Access to credit cards is relatively easy and simple. You can also get interest-free periods with credit cards. Some cards give you the best offers and cashback.

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