In 2025, using the right credit card can help you save thousands every year through cashback, reward points, and exclusive offers. With dozens of banks offering attractive benefits, choosing the best credit card in India depends on your lifestyle and spending habits.
This guide highlights the top 5 credit cards in India for 2025 based on cashback, rewards, and travel perks.
1. HDFC Millennia Credit Card
Best for: Online shoppers & cashback lovers
Key Benefits:
- 5% cashback on Amazon, Flipkart, and other online spends.
- 1% fuel surcharge waiver.
- ₹1,000 worth of gift vouchers every quarter on milestone spends.
- Complimentary lounge access at domestic airports.
Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)
2. SBI Cashback Credit Card
Best for: Maximum cashback without conditions
Key Benefits:
- 5% cashback on all online spends (no merchant restriction).
- 1% cashback on offline purchases.
- Simple and transparent cashback structure.
- Auto credit of cashback in the next billing cycle.
Annual Fee: ₹999
3. Axis Bank ACE Credit Card
Best for: Google Pay users & bill payments
Key Benefits:
- 5% cashback on bill payments via Google Pay.
- 4% cashback on Swiggy, Zomato, and Ola.
- 2% cashback on other online spends.
- Unlimited cashback without caps.
Annual Fee: ₹499
4. Amazon Pay ICICI Credit Card
Best for: Prime members & online shopping
Key Benefits:
- 5% cashback for Amazon Prime members.
- 3% cashback for non-Prime Amazon users.
- 2% on partner merchants and 1% on all other spends.
- Lifetime free credit card with no hidden charges.
Annual Fee: ₹0 (Lifetime Free)
5. American Express Membership Rewards Credit Card
Best for: Premium users & frequent travelers
Key Benefits:
- 1,000 bonus points on four transactions of ₹1,000+ monthly.
- Redeem points for travel, hotel stays, and shopping vouchers.
- 24×7 global assistance and airport lounge access.
- High reward-to-value ratio.
Annual Fee: ₹1,500 (first year discounted offers available)
How to Choose the Right Credit Card
- Identify your spending habits:
Choose cashback cards if you spend mostly online or travel cards if you fly often. - Check reward redemption options:
Go for cards that allow easy conversion of points to vouchers, cashback, or travel miles. - Compare annual fees vs benefits:
Always calculate whether the rewards earned cover the annual fee. - Look for welcome & milestone bonuses:
Some cards give sign-up bonuses or vouchers worth ₹2,000–₹5,000.
Final Thoughts
Credit cards are more than payment tools — they’re powerful money-saving instruments when used wisely. Whether you prefer cashback or premium travel experiences, the HDFC Millennia, SBI Cashback, and Amazon Pay ICICI are among the best credit cards in India for 2026.