Best Credit Cards in India 2025

With digital payments becoming the norm in 2025, choosing the right credit card can significantly enhance your savings. Whether you’re a frequent online shopper, traveler, or someone looking to cut down utility bills, there’s a credit card tailored to your lifestyle. Here are five of the best credit cards in India right now — each offering strong rewards, cashback, and exclusive perks.

Axis Bank ACE Credit Card: Great for Bill Payments

The Axis Bank ACE Credit Card remains a favorite for users who pay their bills and recharge regularly. It offers 5% cashback on bill payments made through Google Pay and 4% cashback on popular platforms like Swiggy and Ola. With an annual fee of just ₹499 (waived off if you spend ₹2 lakhs annually), it’s one of the most value-packed options for day-to-day use.

SBI Cashback Credit Card: Online Shopping Rewards

If most of your spending happens online, the SBI Cashback Credit Card is an excellent choice. It offers 5% flat cashback on online purchases and 1% on offline spending. With a strong cashback model and wide acceptability, this card stands out despite its ₹999 annual fee — which too is waived upon reaching the minimum spend of ₹2 lakhs in a year.

Amazon Pay ICICI Credit Card: Ideal for Prime Members

Amazon loyalists will love the Amazon Pay ICICI Credit Card, especially if they’re Prime members. You earn 5% cashback on Amazon, 2% at partner merchants, and 1% everywhere else — with no annual or joining fee. It’s a lifetime-free card that directly adds your cashback to your Amazon Pay balance, making it easy to use.

HDFC Millennia Credit Card: Versatile Cashback and Vouchers

For users who shop across platforms like Amazon, Flipkart, and more, the HDFC Millennia Credit Card is a smart pick. It offers 5% cashback on partner brands, a 1% return on other online spends, and comes with welcome vouchers worth ₹1,000. You also get easy EMI options and lounge access at major airports.

HDFC Regalia Credit Card: Premium Travel & Rewards

The HDFC Regalia Credit Card is known for its premium features, including airport lounge access worldwide, comprehensive travel insurance, and high reward points. Ideal for frequent travelers and high spenders, the card has a ₹2,500 annual fee, which is waived on spending ₹3 lakhs in a year.

The best credit card depends on your lifestyle and spending habits. If you’re focused on cashback and everyday savings, Axis ACE or SBI Cashback are solid choices. If you prefer flexibility and zero annual fees, Amazon Pay ICICI is unbeatable. For premium travel and perks, Regalia delivers top-tier benefits.

Choosing the Right Card

• Pick Axis ACE or SBI Cashback if your primary goal is cashback on bills or online purchases.

• Go for Amazon Pay ICICI or HDFC Millennia if you shop frequently across platforms and prefer flexible rewards.

• HDFC Regalia is best suited for travellers seeking premium perks and lounge access.

Pro Tips Before You Apply

1. Compare cashback or reward structures against your monthly spend.

2. Watch for fee waivers and required spend thresholds.

3. Review eligibility criteria such as income and credit score for smooth approval.

Quick Comparison