Updated on - 01 March 2025 

Best Credit Cards in India [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.

Also Read: Best CashBack Credit Card in India 

Top Credit Cards in India: Which Bank Credit Card is Best?

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

Name of Credit Card and Bank Joining Fee Annual Fee 
IDFC First Millennia Credit Card Nil Nil
ICICI Rubyx Credit Card Rs.3,000 + GST Rs.2,000 + GST
Yes First Reserv Card Rs.1,999+ Taxes Rs.1,999+ Taxes
HDFC Regalia Card Rs.2500 + Taxes Rs.2500 + Taxes
FIRST Wealth Credit Card Nil Nil
HDFC Infinia Card Rs.12,500 + Taxes Rs.12,500 + Taxes
SBI SimplySAVE Credit Card Rs.499 Rs.499
Axis Flipkart credit card Rs.500 + Taxes Rs.500 + Taxes
ICICI Emeralde Credit Card Rs.12,499 Rs.12,499
Axis Bank ACE Credit Card Rs.499 Rs.499

News About Credit Cards


Latest News: February 20, 2025

As announced in the Union Budget 2025, starting in April, micro-entrepreneurs can apply for credit cards with a Rs.5 Lakh limit. This initiative aims to provide an additional Rs.30,000 Crore in funding for micro-units, enhancing their business expansion opportunities.


Latest News: 14 October 2024

Many banks that offer credit cards like ICICI Bank, SBI, and HDFC Bank have changed their credit card rules. 

ICICI Bank has modified its fee structure and diminished various rewards, and SBI has increased the transaction fee for electricity bill payments and loan charges. Even HDFC Bank has altered the loyalty program for its Infinia and Infinia Metal credit cards.


IDFC First Millennia Credit Card

The IDFC First Millenia Credit Card has low charges and high benefits. Interest rates start from 9% p.a. and you can avail interest-free cash withdrawals up to 48 days. You must have a minimum yearly income of Rs.3 Lakh to be eligible for this card. 

Also Read: Best Lifetime Free Credit Cards in India 

Suitable for: People looking for high reward points, low interest rates, and online as well as offline shoppers.

Joining Fee Nil
Annual Fee Nil
Other Benefits & Features
  • 25% discount on movie tickets up to Rs.100 on Paytm mobile app, every once a month

  • Welcome voucher of Rs.500 on spending a minimum of Rs.5,000 in the first 30 days

  • Four complimentary railway lounge visits, each quarter

  • Free Roadside Assistance valued at Rs.1,399

  • 1% of the fuel surcharge is waived at all fueling stations in India.

  • Personal Accident Cover and Lost Card Liability Cover of Rs.2 Lakh and Rs.25,000, respectively

  • 1X Reward Points for paying utility bills and insurance premiums

ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is attractive if you enjoy unlimited rewards and offers. To be eligible, your minimum monthly salary should be ₹50,000. If you are self-employed, your annual income should be more than Rs.5.10 Lakhs.

Suitable for: People who enjoy golf, dining out, and discounts on movie tickets.

Joining Fee Rs.3,000 + GST
Annual Fee Rs.2,000 + GST
Other Benefits & Features
  • 15,000 ICICI Bank Reward Points on your anniversary each year.

  • Two free rounds of golf each month (one round for every Rs.50,000 spent in the prior month).

  • Two complimentary access each quarter to specific Indian airport lounges

  • Welcome vouchers worth more than Rs.5,000 within 45 days.

  • Tata CliQ Voucher worth Rs.2,000

  • Two EaseMyTrip Vouchers worth Rs.1,000 each

Yes First Reserv Credit Card

Previously known as the Yes First Exclusive Credit Card, the Yes First Reserv Credit Card charges only 2.99% on revolving credit. It offers air miles and instant EMI options for your purchases. 

The eligibility criteria require you to be an Indian citizen, within 21-60 years old, and have a net income of Rs.2 Lakh per month.

Suitable for: People who shop online often and are frequent fliers.

Joining Fee Rs.1,999+ Taxes
Annual Fee Rs.1,999+ Taxes
Other Benefits & Features
  • One golf lesson per year at a few Indian golf courses

  • Credit Shield coverage of Rs.15 Lakh, Lost Card Liability of Rs.15 Lakh to Rs.30 Lakh, and up to Rs.50,000 in insurance against unintentional damage for six months for online-purchased mobile and electronic devices

  • 1% of the fuel surcharge between Rs.400 and Rs.5,000 is waived

  • Use your YES Bank Credit Card to receive a minimum 15% discount while dining at specified restaurants

  • Access to airport lounges worldwide for Mastercard and Visa cards, as well as three complimentary lounge visits every quarter in India

HDFC Regalia Credit Card

The HDFC Regalia Gold Credit Card can get you 5 times reward points to shop from certain brands. To be eligible for this card, you must be an Indian citizen and above the age of 21. 

If you are salaried, your monthly income should be more than Rs.1 Lakh and you should be within 60. If you are self-employed, your ITR should be more than Rs.12 Lakh p.a., and your age should be within 65.

Suitable for: People who are heavy shoppers, especially from Marks & Spencer, Myntra, Nykaa & Reliance Digital.

Joining Fee Rs.2,500 + Taxes
Annual Fee Rs.2,500 + Taxes
Other Benefits & Features
  • Welcome benefits include complimentary Club Vistara Silver Tier and MMT Black Elite membership

  • Vouchers of Rs.1,500 on quarterly expenditures of Rs.1.10 Lakh

  • Flight vouchers worth Rs.5,000 on yearly expenditures of Rs.10 Lakh and an extra Rs.5,000 voucher on expenditures of Rs.7.10 Lakh

  • 5X Reward Points for purchases made at Reliance Digital, Myntra, Nykaa, and Marks & Spencer

  • Free lounge access in more than 1000 airports

  • Every Rs.150 spent (on retail* purchases) earns you 4 reward points

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 and add-on users. The eligibility criteria is having an income of over Rs.36 Lakh. 

Suitable for: Beginners looking for a luxurious card at affordable maintenance charges.

Joining Fee Nil
Annual Fee Nil
Other Benefits & Features
  • A lifetime free credit card

  • After 30 days of the card's generation, spend Rs.5,000 or more to receive a welcome voucher worth Rs.500

  • 5% cash back on the first EMI transaction amount made within 30 days after card creation, up to Rs.1,000

  • 3X Reward Points for a statement cycle on purchases up to Rs.20,000

  • 10 times the reward points for exceeding Rs.20,000 in a statement cycle and on your birthday 

  • Only 1.5% forex mark-up

  • ‘Buy One, Get One' offer on movie tickets on the Paytm mobile app, up to Rs.250 (usable twice per month)

  • With a monthly spending of Rs.20,000, you will receive 2 complimentary visits to domestic airport lounges and spas and 2 complimentary visits to international airport lounges per quarter

HDFC Infinia Credit Card

The HDFC Infinia Credit Card is a metal card that offers complimentary Club Mariott membership and nights & buffets in select ITC hotels. Membership of this card is by invitation only.

Suitable for: Pro credit card users who want a luxurious-looking card as well as luxury services.

Joining Fee Rs.12,500 + Taxes
Annual Fee Rs.12,500 + Taxes
Other Benefits & Features
  • Enjoy the Welcome and Renewal advantage of 10,000 reward points upon fee realization and card activation

  • Spend Rs.8 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 airport lounges worldwide for Primary and Add-on members 

  • Earn 5 Reward Points for every Rs.150 spent

  • Global Personal Concierge - 24 X 7

  • Unlimited Complimentary golf games at top courses across India and around the world.

  • Priority Pass provides unlimited complimentary lounge access at 1,000+ airport lounges in India and abroad.

SBI SimplySAVE Credit Card

The SBI SimplySAVE Credit Card offers reward points for every purchase, wherein each reward point is equal to Rs.0.25. You can get your annual fee waived from the second year onwards if you spend more than Rs.8,334 per month for 1 year.

Suitable for: Beginners who want an affordable card with low maintenance fees.

Joining Fee Rs.499
Annual Fee Rs.499
Other Benefits & Features
  • Spend Rs. 2,000 or more in the first 60 days and receive 2,000 additional Reward Points.

  • Enjoy 10 reward points for every Rs.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 at any fuel station

  • You can use your SimplySAVE SBI Card in over 24 million stores around the world, including 3,25,000 in India.

  • 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.

Suitable for: Beginners who are looking for an affordable card with ample benefits. It will also be good for the people who shop extensively on Flipkart.

Joining Fee Rs.500 + Taxes
Annual Fee Rs.500 + Taxes
Other Benefits & Features
  • Earn 5% cashback on purchases at Flipkart.

  • Enjoy four complimentary domestic airport lounges annually.

  • Up to 15% off at partner restaurants throughout India.

  • Receive a welcome voucher from numerous brands.

  • When you first use your Flipkart Axis Bank credit card, you'll receive Rs.500 in Flipkart coupons.

  • Get 50% off, up to Rs.100, on your first Swiggy order

  • 4% accelerated cashback at PVR cinemas

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.

Suitable for: People who enjoy a luxurious lifestyle and are looking for a premium card.

Joining Fee Rs.12,499
Annual Fee Rs.12,499
Other Benefits & Features
  • Unlimited free use of the international lounges

  • Unlimited free use of the domestic lounges

  • There are no cancellation fees for domestic travel or hotel reservations

  • Take pleasure in having freedom while choosing your membership plan

  • Take advantage of free unlimited domestic airport spa access

  • Every month, enjoy free golf matches

  • A Rs.5,000 shopping ticket from Tata CLiQ to help you kick off your birthday month in style

  • A 24x7 concierge service to take care of your every need

ICICI Emeralde is a super premium credit card and is invite-only. The holder must earn Rs.2,50,000 or above as net monthly salary income or have an annual Income Tax Return filed of ₹ 30 Lakh or above. 

Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card offers cashback on every spend. All Indian citizens between the ages of 18 and 70 can apply for this card. With this card, you can enjoy discounts on dining and also easily convert your purchases to easy EMIs.

Suitable for: People who want a card with a low joining and annual fee and good cashback offers.

Joining Fee

Rs.499

Annual Fee

Rs.499

Other Benefits & Features
  • 5% cashback is available for DTH recharges, bill payments and mobile recharges made with Google Pay.

  • 4% cashback on Zomato, Ola, and Swiggy

  • 1.5% return on all additional purchases

  • 4 complimentary domestic airport lounge access per calendar year

  • 1% fuel surcharge waiver across all fuel stations in India on fuel purchase

  • Get up to 15% 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 are a few of India’s best travel credit cards in India:

Name of Credit Card and Bank Joining Fee Annual Fee 
IDFC Wow Credit Card Rs.199 + GST Rs.199 + GST (Second year onwards)
HDFC Bank Diners Club Miles Credit Card Rs.1,000 + Taxes Rs.1,000
YES Bank Premia Credit Card Rs.999 + Taxes Rs.999 + Taxes
Club Vistara SBI Card Rs.1,499 + taxes Rs.1,499 + taxes
SBI Platinum Card for IRCTC Rs.500 + Taxes (One Time) Rs.300

IDFC Wow Credit Card

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. 

Additionally, you can also get a 7.50% interest on the FD you keep.

Suitable for: People with low credit scores or no credit history. 

Joining Fee

Rs.199 + GST

Annual Fee

Rs.199 + GST (Second year onwards)

Other Benefits & Features
  • 4X rewards on every purchase

  • Various offers from over 300 partner businesses

  • 20% off at over 1500 partner restaurants

  • No Forex mark-up fee

  • Complimentary roadside assistance

  • 1% Fuel surcharge waiver at all the fuel stations across India to the maximum of Rs.200 a month

  • Personal Accident Cover of Rs.20 Lakh and Lost Card Damage Cover of Rs.25,000

  • Up to 20% off at partner restaurants

  • Up to 15% off at partner health and wellness stores

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. 

Suitable for: Travel enthusiasts on a budget.

Joining Fee

 Rs.1,000 + Taxes

Annual Fee

Rs.1,000

Other Benefits & Features
  • Relax in 1000+ best lounges across the world with complimentary entry six times a year via our exclusive lounge program

  • Enjoy the perks of having a concierge for all your travel requirements

  • Earn 4 Reward Points for each Rs.150 spent

  • Redeem your points for airline tickets and hotel accommodations

  • Earn one mile per reward point

  • Credit Liability Coverage of up to Rs.9 Lakh

  • Travel Insurance Coverage of up to Rs.50,000 for baggage delay or loss

YES Bank Premia Credit Card

The YES Bank Premia Credit Card gives rewards on movie tickets, airline tickets, and hotel bookings. To be eligible for this credit card, you need to be within 21 to 60 years. If you are salaried, your minimum monthly income should be ₹1,20,000. Your IT return should be Rs.14.4 Lakh or more if you are self-employed.

Suitable for: Travel enthusiasts looking for a card within Rs.1,000.

Joining Fee

Rs.999 + Taxes

Annual Fee

Rs.999 + Taxes

Other Benefits & Features
  • Enjoy three complimentary lounge visits each year

  • Earn 6 reward points when you spend Rs.200

  • Enjoy a 15% discount at the recommended dining establishments

  • Spend Rs.2 Lakh and get a Renewal Anniversary Fee waiver 

  • Enjoy a first-year fee waiver on spending Rs.20,000 within 30 days of card activation

  • Interest is charged at 3.5% on a revolving loan or overdue amount

  • Preferential foreign currency markup of only 2.50%

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. 

Suitable for: People looking for a medium-range card with great benefits and rewards.

Joining Fee

Rs.1,499 + taxes

Annual Fee

Rs.1,499 + taxes

Other Benefits & Features
  • Receive 1 Economy class ticket as an E-Gift Voucher with payment of the annual / renewal price

  • Enjoy four complimentary visits per year to domestic airport lounges (with a maximum of one per quarter)

  • Up to four cancellations each year, each restricted at Rs.3,500

  • Liability coverage for lost cards up to Rs.1 Lakh

  • Air Accident Coverage up to Rs.50 Lakh

  • Get one Economy class ticket each on annual spending of Rs.1.25 Lakh, Rs.2.50 Lakh, and Rs.5 Lakh

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.

Suitable for: Train travel enthusiasts who want a super-affordable credit card.

Joining Fee

 Rs.500 + Taxes (One Time)

Annual Fee

Rs.300

Other Benefits & Features
  • Get a 350 activation bonus. Reward points for a single transaction of ₹500 or more within 45 days after card issuance

  • Receive one reward point for every Rs.125 spent on non-fuel retail purchases, including train ticket purchases

  • 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 -

  • 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.

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

  • 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

  • HDFC Bharat Credit Card

  • ICICI Amazon Pay Credit Card

  • Axis Bank Flipkart Credit Card

  • RBL Titanium Delight Credit Card

  • SimplySave SBI Card

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.



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.

    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.

    • Air India SBI Signature Credit Card

    • Kotak Indigo XL Credit Card

    • Axis Bank Vistara Infinite Credit Card

    Credit Card Related Links

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