You are well aware that how difficult it is to choose a good credit card, so if you are searching for best credit cards in India in 2025, then you have come to the right place. Credit cards have become an essential financial tool that provides convenience, rewards and exclusive benefits for different lifestyles. This article will guide you about some of the top credit cards, so that you can make the right choice as per your needs. And use the credit card in the right way.
Best Credit Card Kyun Choose Karein?
It is very important to choose the best credit card so that you can maximize rewards and minimize costs. A good or genuine card can provide you cashback, travel rewards, low-interest rates and complimentary services like airport lounge access. But everyone wants this service for free, so it is unrealistic. You will also get many benefits in yearly subscription. Understanding your spending habits will help you choose the right card that aligns with your financial goals.
1. HDFC Shoppers Stop Credit Card
Key Benefits:
Earn 3% Reward points on every Shoppers Stop spends (Monthly capping of Rs 500)
Earn 1% Reward points on every Non-Shoppers Stop spends (Monthly capping of Rs 1000)
a. Accrual of Reward Points on Grocery Spends will be capped at 1000 points per month per customer b. There will be no Reward Points accrual on Spends made on Rental and Government category payments c. 1% Fees to be charged on Rental transactions - from the 2nd rental transaction done every calendar month d. 1% Mark-Up charges to be applied on all International DCC transactions
Fuel Surcharge Waiver
1% fuel surcharge waiver of upto ₹250 per statement cycle, across all fuel stations in India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
Welcome Benefit
Rs 500 worth of Shoppers Stop voucher from Shoppers Stop, redeemable on any transaction at Shoppers Stop store by displaying the message during payment
Please note that the voucher can be redeemed only by making the payment using your Shoppers Stop HDFC Bank Credit Card
Weekend offer
Earn Rs.500 per month for a single purchase of Rs.15,000 or above on Shoppers Stop over the weekend (capped to maximum once in a month and 5 times in a year). Friday, Saturday and Sunday to be considered as weekend.
Smart EMI
Shoppers Stop HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here
CC on UPI
Link your Rupay credit card with UPI and avail Scan and Pay for all your transactions. To Know more about UPI purchases on Credit card click here
Contactless Payment
The Shoppers Stop HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons).
Reward Point/CashBack Redemption & Validity
You can redeem your Reward Points on Smartbuy or Netbanking. Validity of Reward points is 2 years. Reward Points can be redeemed for:
1 Reward point=1 Re when redeemed against Shoppers Stop vouchers. For other options please refer the table below:
Avenue of Redemption
1 Reward point value
Product Catalogue
Upto 0.25
Cash Back
0.2
Airmiles
0.25
Unified SmartBuy (Flights/Hotels)
0.2
Eligibility
For Salaried
Indian National Age: Min 21 years & Max 60 Years, Net Monthly Income> Rs 20,000
For Self Employed
Indian national Age: Min 21 yrs & Max 65 Yrs Income: ITR > ₹6 Lakhs per annum
10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie). For more details Click here
5% Cashback on online spends across online MCCs. For list of eligible MCC Click here
1% Cashback on other categories. For list of exclusions & capping Click here
Complimentary Swiggy One Membership for 3 months on card activation
Cardholder is eligible for welcome benefit on card activation
Card Activation is done by following one or more below mentioned ways: - Making a transaction using the Credit Card - To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions, enabling international transactions etc.
The customers need to claim 'Swiggy One' on Swiggy app post card activation to unlock the benefit. This option will be available on the Swiggy app within 2-3 days of card activation
Note:
Cashback redemption will move to Statement credit w.e.f 21st June’24, while the existing Swiggy money will continue to be in the Swiggy App
Cashback cannot be earned on transactions made using Swiggy Money Wallet, Swiggy Minis & Swiggy Liquor, and any other categories decided later (if any)
WHY SHOULD YOUR FRIENDS & FAMILY APPLY FOR HSBC PLATINUM CREDIT CARD Lifetime FREE Credit Card - No Joining/Annual Fee Earn 2 Reward points for every Rs 150 spent (Refer to Reward redemption Heads) Unlock 5X Reward points (10 Reward points) per Rs 150
spent on any purchases exceeding Rs 4,00,000 annually, subject to a maximum cap of 15,000 accelerated reward points per year Redeem your Reward points for Air miles on InterMiles, British Airways and Singapore Airlines (2 Reward points = 1 Air Mile/Intermile) Make transactions of a minimum of Rs 5000 within the first 30 days and receive a complimentary Amazon voucher worth Rs 500 Buy 1 Get 1 FREE offer on BookMyShow mobile App (maximum price of the free ticket - Rs 250) - valid only on bookings made on Saturday
OTHER AMAZING OFFERS - Get an instant discount of upto Rs 500 on Amazon across all categories, excluding groceries, exclusively for EMI transactions Enjoy upto 15% off on EazyDiner, with savings of upto Rs 500, when you spend a minimum of Rs 2500 Get upto 15% off on MakeMyTrip for both domestic and international bookings, valid once per card per month on Fridays, Saturdays and Sundays Save upto Rs 5,000 at Croma stores & Croma online using your HSBC Credit Card (valid once per card per month on Saturdays & Sundays) Benefit from a fuel surcharge waiver and save upto Rs 3,000 annually on fuel charges
REWARD POINTS REDEMPTION & VALUE Reward points can be redeemed against Gift Vouchers and Airline Miles by the Primary Cardholder only Reward points can be redeemed against Gift vouchers from brands like Amazon, Flipkart, Tanishq, Apple Imagine, Myntra, ShoppersStop & more 1 Reward point redemption value may vary between Rs 0.2-Rs 0.35 per point depending upon the gift voucher selected by the user For more details on redemption value please refer to HSBC Website - https://www.hsbc.co.in/credit-cards/rewards/
ELIGIBILITY CRITERIA Age: 21 to 65 years Employment status: Only Salaried Salaried: Minimum monthly income of Rs 55,000 Cibil Score: 750+ You must reside in Chennai Gurgaon Delhi National Capital Region (NCR) Pune Noida Hyderabad Mumbai Bangalore Kochi Coimbatore Jaipur Chandigarh Ahmedabad or Kolkata New to Credit allowed for Salaried only
DOCUMENTS NEEDED Address Proof ID proof Income proof PAN Card/Form 60
FEES & LIST OF CHARGES Joining Fees: Nil Annual Fees: Nil
NOT GETTING SALES? You're Earning Flat Rs 3000 Profit on every card Activation Why not share some with your friends to ensure they always shop via your link?
IMPORTANT T&Cs: Please use your Aadhar linked Mobile number to complete the application Existing customers (Savings/Current Account/Credit Cards/Loans/FD) of HSBC Bank are not eligible for Profit Card upgrades/limit enhancements are not eligible for Profit GST and other Bank Charges as applicable by HSBC Tracking Time: Within 72 Hours after Application ID Generation Missing Profit Tickets: Accepted Missings will not be accepted after 10 Days of Order Date Confirmation Timeline: Within 75 Days of Card Activation A Minimum transaction of Rs 100 is required within 30 days to activate the card Profit on App applications: Not Applicable Profit on Referral Earnings: Not Applicable To apply for this card, you must live in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida or Pune
4. HSBC Live Plus Credit Card - One of the best cashback credit cards in India!
WHY SHOULD YOUR FRIENDS & FAMILY APPLY FOR HSBC LIVE PLUS CREDIT CARD Get 10% accelerated cashback on all dining, food delivery and grocery spends (capped upto Rs 1,000 per billing cycle)
4 complimentary domestic lounge visits per year (1 per quarter) 1.5% unlimited cashback on all other spends Spend Rs.20,000 within the first 30 days of card activation and get Rs 1000 cashback Exclusive monthly offers on Amazon, Amazon pay, Blinkit, Easydinner, Pharmeasy, etc.
ELIGIBILITY CRITERIA Age: 21 to 65 years Employment status: Only Salaried Salaried: Minimum monthly income of Rs 55,000 Cibil Score: 750+ You must reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata New to Credit allowed for salaried only
DOCUMENTS NEEDED ID Proof: PAN Card/Form 60/Passport Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
FEES & LIST OF CHARGES Joining Fees: Rs 999 + GST Annual Fees: Rs 999 + GST Annual Fees will be waived on annual spends of 2,00,000 or more in a year
IMPORTANT T&Cs: Profit applicable on credit card activation only Existing Customers (Savings/Current Account/Credit Cards/Loans/FD) of HSBC Bank are not eligible for the profit Please use Aadhaar linked mobile number to fill the application Tracking Time: Within 72 Hours after the Application ID Generation Missing Profit Tickets: Accepted Missings will not be accepted after 10 Days of Application Date Confirmation Timeline: Within 75 Days of Card Activation A Minimum transaction of Rs 100 is required within 30 days to activate the card Profit on App Applications: Not Applicable Profit on Referral Earnings: Not Applicable
Complimentary Sony LIV Premium Annual subscription
Instant Discount on Swiggy
Enjoy Complimentary Lounge Access
Buy one Get one Free on Movie Tickets
OTHER FEATURES OF THE CARD Upto Rs 1000 Off on AJIO on minimum spends of Rs 2999 on select styles 4 Complimentary Lounge access on select domestic airports (1 per quarter) 4 EDGE REWARDS points per Rs 200 spent (Not Applicable on fuel, movie, Insurance, Wallet, Rent, Utilities, Education, Government Institutions and EMI transactions) Dining delights offering Upto 15% Off at partner restaurants in India (Max Discount Rs 500) 1% Fuel Surcharge waiver at all petrol pumps across the country for spends between Rs 400 to Rs 4000
FEES AND LIST OF ALL CHARGES Joining Fees: Rs 500 Annual Fees: Rs 500
DOCUMENTS NEEDED PAN Card/Form 60 Colour photograph Address proof ID Proof Income proof
ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed) New to Credit not allowed Cibil Score: 730 and above Required Age: 21-65 years
IMPORTANT T&Cs: Please use your Aadhar linked Mobile number to complete the application If you are an existing Axis Bank customer Please use the already registered mobile number to complete your application Your full name is mandatory to apply for Axis Credit card, applications with a single name will not be accepted If you were/are using any AXIS Credit card, you are not eligible for Profit Tracking Time: 72 Hours after Application ID Generation Confirmation Timeline: Within 75 Days of Card Activation A Minimum transaction of Rs 100 is required within 30 days to activate the card If you apply for a different card upon redirecting, you will be eligible for the profit applicable on the card applied Profits on Axis Bank App applications: Not Applicable Profit on Referral Earnings: Not Applicable
Card Cashback will be auto-credited to your SBI Card account within two days of your next statement generation
Fuel Surcharge Waiver
Hassle free
Card Cashback will be auto-credited to your SBI Card account within two days of your next statement generation. For details, please see Cardholders T&C
Spend Based Reversal
Reversal of Renewal Fee on annual spends of Rs.2 Lakhs
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver across all petrol pumps in India*
* applicable on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges. Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account
Contactless Advantage
Daily purchases now made easy with CASHBACK SBI Card. Simply tap your card at a secure reader to transact
Fast & convenient: No need to hand over your card or look for cash / coins for everyday small ticket purchases
Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is tapped multiple times at the reader, the unique security key feature of VISA PayWave will ensure that only one transaction goes through, thus making it more secure
Worldwide Acceptance
You can use your CASHBACK SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
Use your card to make payments at any outlet that accepts VISA
Cash on the Go
Withdraw cash from over 1 million VISA across the globe
Utility Bill Payment Facility
Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your CASHBACK SBI Card
Balance Transfer on EMI
Save money while paying your credit card dues.
Transfer the outstanding balance of other banks’ credit cards to your CASHBACK SBI Card, and avail a lower rate of interest and pay back in EMIs
Fees
Joining Fee (one time): Rs. 999
Renewal Fee (per annum): Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
7. SBI Miles Credit Card - Get 1,500 Travel Credits as Welcome Gift!
Welcome Gift
Get 1,500 Travel Credits as Welcome Gift
Miles Rewards
Earn 2 Travel Credits for every ₹ 200 that you spend on travel
Milestone Benefits
Get additional Domestic Lounge visit with every spend of ₹ 1 Lakh
Earn 5,000 Bonus Travel Credits on annual spends of ₹5 Lakh
Enjoy Annual Fee reversal on spends of ₹6 Lakh in a membership year
International Travel Privileges
Get a complimentary Priority Pass Membership worth $99 and enjoy access to 1000+ International Airport Lounges worldwide
Domestic Travel Privileges
Get 4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
Other Travel Benefits
Enjoy the privilege of low Foreign Currency Mark-up Charge of 3.00% on International usage
1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable)
ELIGIBILITY CRITERIA Age: 21 to 65 years Employment Status: Salaried or Self-Employed Income (Salaried): Rs 60,000 Self-Employed: Rs.7,20,000 lakhs Credit Score: Minimum credit score of 750+ with no delayed payments in the past 12 months New to Credit: Not Allowed
DOCUMENTS NEEDED ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
FEES AND LIST OF CHARGES Annual Fee (one-time): Rs 1499 + GST Renewal Fee (per annum): Rs 1499 + GST However, fee is reversed if annual spends in the membership year >= Rs 6,00,000
Get an Amazon eVoucher worth Rs 500 on your first transaction using your Airtel Axis credit card within 30 days of card issuance Earn 25% Cashback on Airtel Mobile, Broadband, DTH & WiFi bill Payments via Airtel Thanks app (Upto Rs 250 per month) Earn 10% Cashback on Swiggy, Zomato & BigBasket (Upto Rs 500 Per month) Earn 10%Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app (Upto Rs 250 per month) Get 1% Cashback on all other spends Enjoy 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs 50,000 in previous 3 months
Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India Enjoy Upto 15% Off at partner restaurants via EazyDiner
ELIGIBILITY CRITERIA Employment Status: Salaried or Self-employed New to Credit not allowed Income group: Starting from Rs 15,000 per month (Salaried), Starting from Rs 30,000 per month (self-employed) Age group: 21-70 years Cibil Score: 730 and above
DOCUMENTS NEEDED PAN Card/Form 60 ID Proof Address proof Bank Statement or Income proof Colour photographs
FEES AND LIST OF ALL CHARGES Joining Fees: Rs 500 + GST Annual Fees: Rs 500 + GST Annual fees waived off on annual spends over Rs 2,00,000
9. AU Altura Plus Credit Card - Enjoy the limitless spending and wide variety of benefits!
1.5% Cashback on all POS retail spends done (Except Fuel) at merchant outlets (Maximum cashback per statement cycle is Rs 100) 2X Reward Points (i.e., 2 Reward Points per Rs 100 retail spends) for all your online transactions 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in these cities - New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra 1% Fuel Surcharge Waiver for fuel transactions done between Rs 400 and Rs 5,000 across all fuel stations in the country Convert your transactions worth INR 2,000 or more into easy EMI options on selected tenure of your choice
PARTNER DISCOUNTS 5% Instant Discount on shopping at Croma (min. spend Rs 15,000) - Offer valid once per month 15% Off on EasyDiner (min spend Rs 2,500 & max discount Rs 500) - Offer valid once per month 15% Off on Tata CliQ (min spend Rs 500 & max discount Rs 300) - Offer valid once per month 15% Off on Domestic Flight & 10% Off International Flight on Cleartrip - Offer valid once per month 20% Off on Movies Tickets (min spend Rs 500 & max discount Rs 100) - Offer valid once per month More Amazing E-Comm discount offers from 5% - 25%. Check here : https://offers.aubank.in/
FEES & LIST OF ALL CHARGES Joining Fees: Rs 499 + applicable taxes (Joining fees will be waived off, if the user spends Rs 20,000 within first 90 days of card issuance) Annual Fees: Rs 499 + applicable taxes (Annual fees will be waived off, if the user spends Rs 80,000 within first anniversary year)
ELIGIBILITY CRITERIA Required Age: 21-60 years Employment status: Salaried or Self-Employed Income: Rs 25,000 per month (Salaried and Self-employed) Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000 No Delayed Payments in the last 12 months Required Credit Score: 700+
DOCUMENTS NEEDED Valid PAN Card Aadhar Card - should be linked to Mobile (For EKYC) Address proof Income Proof (if opted for Income surrogate)
10. IndusInd Legend Credit Card - Experience the best of travel, dining and shopping
Key benefits:
Airport Lounge Access
Movie Tickets
Avail up to three free tickets in a month. (One free ticket in a month with effect from 1st June 2023)
Priority Pass membership
Fuel Savings on Surcharge
LIFETIME FREE Card - No Joining & Annual Fees Rs 100 spent = 1 Reward Point on weekdays spends Rs 100 spent = 2 Reward Points on weekends spends Buy 1 Get 1 Free on BookMyShow - 3 Free tickets every month
OTHER AMAZING OFFERS Instant Discount on Swiggy, EazyDinner & more brands Lowest Forex Markup Charge of 1.8% ICICI Lombard General Travel Insurance
PARTNER DISCOUNTS Flat 10% off sitewide on boAt products Get 10% instant discount upto Rs 250 on minimum purchase of Rs 2000 on BigBasket PVR: Get Rs 100 Off on purchase of Food & Beverage on Orders Above Rs 350 Lifestyle: Additional 15% Off on Lifestyle on Orders Above Rs 1999 Amazing offers on major e commerce like Swiggy, Titan, Reliance & more
ELIGIBILITY CRITERIA New to Credit: Allowed Employment Status: Salaried or Self-employed Income group: Rs 80,000 for Salaried and Rs 1,00,000 for Self-Employed Age group: 21-65 years Credit Score: 650+ No Delayed Payments in the last 12 months
GOOD TO HAVE Existing Home or Auto Loan Existing active credit card with a limit of more than Rs 50,000 of any bank
DOCUMENTS NEEDED ID Proof Address Proof Income Proof PAN Card/Form 60
FEES & LIST OF ALL CHARGES Lifetime Free Card Joining Fees: Nil Annual Fees: Nil
