Top 10 Credit Cards in India for 2025:
India’s credit card market continues to grow rapidly, with over 100 million cards in circulation and new users joining every month. As more Indians access credit according to their needs and financial standing, several banks and non-banking financial companies (NBFCs) are offering tailored credit card solutions. Out of the numerous options available, here’s a look at the top 10 most preferred credit cards in India for 2025.
The HDFC Regalia card is popular for its travel, dining, and international spending benefits. With reward points for every purchase, complimentary airport lounge access, and excellent travel insurance coverage, it’s ideal for frequent travelers. The card also offers a low forex markup of 2%. However, some users have raised concerns about the lounge access criteria, but a premium version is available for those seeking additional benefits.
Designed for online shoppers, the SBI Cashback card offers a 5% cashback on e-commerce platforms like Amazon, Flipkart, and Myntra. With a 1% cashback on offline spending, it’s the perfect choice for those who primarily shop online. The card charges an annual fee of ₹999, which is waived if the user spends ₹2 lakh annually.
Ideal for regular Amazon shoppers, the ICICI Amazon Pay card provides 5% cashback for Prime members and 3% for non-Prime users on Amazon. It also offers 2% cashback on over 100 Amazon Pay partners, making it an excellent choice for those who frequently shop on the platform. The card has no annual fees, adding to its appeal.
The Axis Bank Ace card is perfect for individuals looking for a balanced option that offers rewards for both online and offline purchases. It provides 5% cashback on Google Pay bill payments, 4% cashback on services like Swiggy and Zomato, and 1.5% cashback on all other transactions. The card charges an annual fee of ₹499, which is waived for annual spends over ₹2 lakh.
For those seeking more elevated rewards and lounge flexibility, the HDFC Regalia Gold card offers accelerated rewards on popular brands like Myntra, Nykaa, and Marks & Spencer. It also provides 12 domestic lounge visits and 6 international lounge visits annually, with no spending requirement.
Targeted at luxury travelers, the HDFC Diners Club Black card offers unlimited domestic and international lounge access, along with other premium perks like golf access, Marriott memberships, and Zomato Pro. With a ₹10,000 annual fee, which can be waived with ₹5 lakh annual spending, it’s perfect for those who frequently travel.
The SBI Card Elite is tailored for high spenders and offers a range of benefits, including 5 reward points for every ₹100 spent on dining, hotels, and foreign transactions. It also provides unlimited domestic and 6 international lounge visits, as well as comprehensive insurance. The card charges an annual fee of ₹4,999, which is waived with ₹10 lakh annual spending.
Known for its world-class travel benefits, the American Express Platinum Travel card offers airline and hotel-centric rewards, complimentary international lounge access, and travel vouchers worth ₹20,000 annually. Though it is an expensive card, it’s highly favored by premium users.
Ideal for everyday spenders, the HSBC Live+ card offers 10% cashback on dining, grocery, and food delivery. It also provides 1.5% cashback on all other transactions and 4 free domestic lounge visits annually. The card charges an annual fee of ₹999, which is waived with ₹2 lakh annual spending.
For those seeking premium perks without the annual charges, the IndusInd Tiger card offers 8 domestic and 2 international lounge visits per year, along with free golf access and movie tickets. The best part is that there’s no annual fee, making it an attractive option for many.
How to Choose the Right Credit Card for You?
Choosing the right credit card depends on your spending habits and financial goals. Here are some tips to help you make the right choice:
Annual Fee Waivers: Check if the card offers annual fee waivers based on spending thresholds.
Lounge Access Criteria: Some cards offer limited complimentary lounge visits; be sure to understand the terms.
Foreign Currency Mark-Up: Look for cards with a forex markup in the range of 1.5% to 2%.
Rewards and Redemption: Choose cards that offer rewards aligned with your preferences and ensure the redemption process is simple.
When selecting a credit card, always align it with your lifestyle and financial needs. Whether you’re a frequent traveler, an e-commerce enthusiast, or someone who prefers to save on everyday expenses, there’s a perfect card for you. Stay informed about all the charges, rewards, and updates to maximize your benefits.
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