Best Credit Cards of 2025: Which One’s Right for You?

List of best credit cards in India

Here’s a rundown of some of the best credit card deals in India , based on their rewards, cashback, and unique benefits tailored to various spending categories. These insights are drawn from current trends and offerings commonly highlighted by major banks and financial platforms.

1. SBI Cashback Credit Card

• Deal: 5% cashback on all online spends (no merchant restrictions) and 1% on offline spends, auto-credited within two days of the next statement.
• Annual Fee: ₹999 (waived on ₹2 lakh annual spend).
• Why It’s Great: Ideal for online shoppers; the flat 5% cashback is rare and lucrative for e-commerce-heavy users.
• Best For: Everyday online purchases like Amazon, Flipkart, or Swiggy.

2. Amazon Pay ICICI Bank Credit Card

• Deal: 5% cashback for Amazon Prime members (3% for non-Prime) on Amazon spends, 2% on Amazon Pay partner merchants, and 1% on other spends.
• Annual Fee: Lifetime free.
• Why It’s Great: No annual fee and strong rewards for Amazon loyalists, plus a 1% fuel surcharge waiver (₹400-₹4,000 transactions).
• Best For: Frequent Amazon shoppers and those seeking a no-fee card.

3. Flipkart Axis Bank Credit Card

• Deal: 5% unlimited cashback on Flipkart and Myntra, 4% on partners like Swiggy, PVR, and Uber, and 1.5% on other spends. Four complimentary domestic lounge visits annually.
• Annual Fee: ₹500 (with ₹600 welcome benefits offsetting it).
• Why It’s Great: High cashback on popular platforms and travel perks at a low cost.
• Best For: Flipkart users and occasional travelers.

4. HDFC Swiggy Credit Card

• Deal: 10% cashback on Swiggy (orders, Dineout, Instamart) up to ₹1,500/month, 5% on online spends up to ₹1,500/month, and 1% on offline spends.
• Annual Fee: ₹500.
• Why It’s Great: Perfect for foodies and online spenders, with cashback directly credited to your statement.
• Best For: Food delivery and dining enthusiasts.

5. Axis Bank ACE Credit Card

• Deal: 5% cashback on bill payments (Google Pay), 4% on Swiggy, Zomato, and Ola, and 2% on other spends (capped at ₹500/month combined for 5% and 4% categories). Four lounge visits per year.
• Annual Fee: ₹499 (waived on ₹2 lakh annual spend).
• Why It’s Great: Strong utility bill and food delivery rewards, plus lounge access for budget travelers.
• Best For: Bill payers and food delivery users.

6. Airtel Axis Bank Credit Card

• Deal: 25% cashback on Airtel services (mobile, broadband, DTH) via the Airtel Thanks app, 10% on utilities and BigBasket/Zomato/Swiggy, and 1% on other spends. Four lounge visits annually.
• Annual Fee: ₹500.
• Why It’s Great: Exceptional value for Airtel customers, with broad cashback coverage.
• Best For: Airtel subscribers and utility spenders.

7. HDFC Regalia Gold Credit Card

• Deal: 20 reward points per ₹150 on premium brands (Nykaa, Myntra, etc.), 4 points on other spends. Complimentary Club Vistara and MMT Black Elite memberships, plus 12 domestic lounge visits.
• Annual Fee: ₹2,500 (waived on ₹5 lakh annual spend).
• Why It’s Great: High reward rates and travel perks for premium users.
• Best For: Frequent travelers and luxury shoppers.

8. ICICI Bank Coral Credit Card

• Deal: 2X reward points on online spends (1 point = ₹0.25), 1% fuel surcharge waiver, and one complimentary lounge visit per quarter (on ₹5,000 quarterly spend).
• Annual Fee: ₹500 (lifetime free option available).
• Why It’s Great: Affordable entry-level card with decent online rewards and travel perks.
• Best For: Beginners and moderate online spenders.

9. HSBC Live+ Credit Card

• Deal: 10% cashback on dining and groceries (up to ₹1,000/month), 1.5% unlimited cashback on other spends, and 3 free lounge visits annually.
• Annual Fee: ₹999 (waived on ₹3 lakh annual spend).
• Why It’s Great: Strong dining/grocery rewards with unlimited fallback cashback.
• Best For: Foodies and offline shoppers.

10. Standard Chartered Smart Credit Card

• Deal: 6% cashback (up to ₹1,000/month) on online spends like groceries, food delivery, and travel, plus 2% on other online spends (up to ₹1,000/month). No cashback on fuel/EMI.
• Annual Fee: ₹499 (waived in the first year).
• Why It’s Great: High cashback on niche online categories with a low fee.
• Best For: Targeted online spenders (e.g., groceries, travel bookings).

Tips to Maximize Deals

• Match Your Spending: Pick a card aligned with your habits—e.g., SBI Cashback for online, Flipkart Axis for e-commerce, or HDFC Regalia for travel.
• Check Festive Offers: During sales (e.g., Amazon Great Indian Festival), banks like SBI, HDFC, and Axis often add 10% instant
  discounts.
• Avoid Interest: Pay bills in full to dodge high APRs (typically 23-49%).

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