Top 10 credit cards of 2025
Credit cards are now a part of everyday financial life. They make spending easier and more flexible. Whether you’re shopping, dining or travelling, a good credit card can help you earn rewards, cashback and even save on fuel or international charges. But using a credit card wisely is important misuse can lead to large debts.
Here’s a list of the top 10 credit cards for 2025 that offer attractive benefits. Make sure to check with the respective banks for updated fees and policies.
Annual Fee: ₹66,000
Top Benefits: Free hotel memberships (Marriott, Hilton, Taj), ₹35,000+ worth vouchers, VIP event access and unlimited airport lounge access.
Annual Fee: ₹50,000
Top Benefits: Up to 30 reward points per ₹200 spent, BOGO movie offers, hotel deals, 50 free golf games and Priority Pass lounge access worldwide.
Annual Fee: ₹10,000
Top Benefits: 10X points on SmartBuy, 2X points on weekend dining, free memberships (Amazon, Swiggy, etc.) and unlimited lounge access.
Annual Fee: ₹5,000
Top Benefits: Travel-focused card with EDGE Miles on travel spends, milestone bonuses and access to domestic and international lounges.
Annual Fee: ₹3,000
Top Benefits: Discounts on BigBasket and Swiggy, lounge access, free golf rounds and reward points on retail shopping.
Annual Fee: ₹2,500
Top Benefits: 5X points on shopping, Swiggy and MakeMyTrip memberships, free flight vouchers and complimentary lounge visits.
Annual Fee: ₹1,500
Top Benefits: Fuel rewards at Indian Oil outlets up to 8.5% savings on fuel, 1% surcharge waiver and 3,000 points on first use.
Annual Fee: ₹1,499
Top Benefits: Earn NeuCoins on UPI and Tata brand purchases, 5% NeuCoins on partner brands, and international lounge access.
Annual Fee: ₹999
Top Benefits: 5% cashback on all online shopping, 1% on offline purchases, fuel surcharge waiver and fee reversal on ₹2 lakh annual spend.
Annual Fee: ₹0
Top Benefits: 3% cashback on e-commerce, unlimited 1.5% on other spends and fee waiver on annual spend above ₹1.2 lakh.
Credit cards can make spending more rewarding if used responsibly. Choose a card that suits your lifestyle whether you travel, dine out, shop online or need fuel benefits. Always pay your bills on time, track your spending, and avoid impulse purchases to stay financially healthy.
Disclaimer: Features, annual fees, and benefits are subject to change. Always verify latest details from the official bank websites before applying.
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