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Top 10 Credit Cards in India (2025)

Submitted by admin on June 12th, 2025

You should select a credit card in India depending on how you normally live, spend, and what you need to achieve financially. If what you’re searching for is cash back, flight perks, or exceptional privileges, you won’t have any trouble finding a suitable card. There are 10 credit cards in India that have particularly stood out in 2025:

1. HDFC Regalia credit card

It is a leading premium card that gives out reward points everywhere, free access to both domestic and international lounges, and includes insurance. This credit card is perfect for people who take many trips each year and spend a lot on their cards.

• Annual Fee: ₹2,500

• Lounge Access: Yes (12 per year)
• Reward Rate: 4 points per ₹150

2. SBI Card ELITE

If you are after luxury, the SBI ELITE gives free access to Club Vistara & Trident Privilege plus movie ticket benefits and travel vouchers.

• Annual Fee: ₹4,999
• Welcome Benefit: ₹5,000 voucher
• Lounge Access: Domestic & international

3. Axis Bank Magnus Credit Card

Made for people with high spending, the card comes with unlimited lounge visits, a concierge service all day, and the greatest possible reward rates. You are also provided with free flight tickets every year.

• Annual Fee: ₹10,000
• Best for: Travel & luxury
• Monthly spend bonus: 25,000 points

4. American Express Platinum Travel Card

It is especially attractive for those who travel frequently since they get great vouchers and can use airport lounges and hotel benefits.

• Annual Fee: ₹3,500 (1st year)
• Travel Vouchers: Up to ₹10,000
• Lounge Access: 4 free visits per year

5. Amazon Pay ICICI Credit Card

This card specifically offers better rewards to people who purchase from Amazon. There is no annual charge for the card as it is free all the time.

• Annual Fee: ₹0
• Cashback: 5% on Amazon (Prime), 1% elsewhere
• Best for: Online shopping

6. Flipkart Axis Bank Credit Card

Regular users of Flipkart get 5% cashback when shopping on Flipkart and Myntra, as well as other discounts on dining and traveling.

• Annual Fee: ₹500
• Welcome Benefit: ₹500 Flipkart voucher
• Cashback: 1.5% on all spends

7. ICICI Platinum Chip Credit Card

Good for those wanting to establish their credit card use, this card is not fancy. You can enjoy cash back and free service when you pass the minimum spending requirement.

• Annual Fee: ₹199 (waived on usage)
• Reward Points: 2 per ₹100
• Best for: Beginners

8. IDFC FIRST Select Credit Card

The benefits of the lifetime free card include fun rewards, entry to airport lounges, waiver of fuel surcharges, and no added charges when you exceed your credit limit.

• Annual Fee: ₹0
• Reward Rate: Up to 10X
• Best for: Everyday usage

9. AU Bank Zenith+ Credit Card

Zenith+ is a new brand in the premium space and it offers golf benefits, passes to international lounges, and awards for important milestones.

• Annual Fee: ₹4,999
• Lounge Access: Unlimited (international & domestic)
• Benefits: Wellness, dining, travel

10. IndusInd Legend Credit Card

It offers flexibility in reward redemption, travel insurance, and complimentary lounge access. Great for those who travel frequently within India.

• Annual Fee: ₹3,500
• Features: 1 reward point per ₹100
• Free movie tickets monthly

Conclusion

India’s credit card market offers cards for every need—be it rewards, travel, or shopping. Always evaluate based on your spending habits, annual fees, and the benefits that align with your lifestyle. A smartly chosen card can save money and enhance your experiences.