Best Credit Cards In India 2025: Best Options for Rewards & Benefits

Best Credit Cards In India 2025: You need to review all available top credit card options when planning to apply for one in 2025. Various advantages such as cashback and travel benefits and reward points exist in top credit cards.

The annual fees and features for these credit cards will vary according to bank policies. The official website of the bank serves as the best source to obtain updated information before choosing a credit card. The following section will examine the top ten Indian credit cards of 2025 together with their annual fees and main advantages.

10 Best Credit Cards in India 2025

Here is a quick overview of the best credit cards along with their annual fees:

Credit Card	Annual Fee
American Express Platinum Card	Rs. 66,000
Axis Bank Reserve Credit Card	Rs. 50,000
HDFC Diners Club Black Credit Card	Rs. 10,000
Axis Atlas Credit Card	Rs. 5,000
Axis Bank SELECT Credit Card	Rs. 3,000
HDFC Regalia Gold Credit Card	Rs. 2,500
IndianOil RBL Bank XTRA Credit Card	Rs. 1,500
Tata Neu Infinity HDFC Credit Card	Rs. 1,499
Cashback SBI Card	Rs. 999
YES Bank Paisabazaar PaisaSave Credit Card	Rs. 0

Now, let’s look at each credit card’s benefits in detail.

American Express Platinum Card

Annual Fee: Rs. 66,000

Key Benefits:

• Guests can access huge exclusive benefits that total Rs. 44,300 at worldwide luxury hotel locations.
• Complimentary memberships for premium hotel loyalty programs like Marriott Bonvoy Gold Elite and Hilton Honors Gold.
• VIP access to global events like Fashion Week, Grammy Awards, and Wimbledon.
• Discounts of up to 50% at top restaurants in India. Taj Hotels and Reliance Brands along with Postcard Hotels offer vouchers up to Rs. 35,000 when customers spend Rs. 20 lakh per year.
• Members gain Rs. 60,000 worth of vouchers by spending Rs. 50,000 through the program in its first two months.
• Unlimited complimentary airport lounge access.

Read More: NHAI Recruitment 2025: Apply for Govt IT Job with ₹2.18 Lakh Salary!

Axis Bank Reserve Credit Card

Annual Fee: Rs. 50,000

Key Benefits:

• Each transaction that costs Rs. 200 results in earning 30 EDGE reward points.
• Users can access BookMyShow ticket discounts where they get two tickets for the price of one yet the system limits this offer to five ticket purchases each month.
• The cardholders gain access to three free memberships called Accor Plus, Club Marriott, and EazyDiner Prime as part of their benefits.
• HDFC Diners Club Black card holders receive 50 annual free golf rounds at premier Indian golf courses.
• Unlimited international and domestic lounge access.
• The Forex markup fee stands at 1.5% while benefits from international spend amount to twice the rewards points.

HDFC Diners Club Credit Card

Annual Fee: Rs. 10,000

Key Benefits:

• 10X reward points on SmartBuy purchases.
• Complimentary memberships to Club Marriott, Forbes, Amazon, and Swiggy One.
• Low forex markup fee of 2%.
• Rs. 500 vouchers from Ola, BookMyShow, TataCliQ on spending Rs. 80,000 per month.
• 6 free golf games per quarter.
• Unlimited airport lounge access.

Axis Atlas Credit Card

Annual Fee: Rs. 5,000

Key Benefits:

• 2,500 bonus EDGE Miles as a welcome gift.
• Customers receive 5 EDGE Miles from their travel expenses when they spend Rs. 100.
• Users can visit any of 18 free domestic lounges during the year.
• 12 international lounge visits annually.
• The credit card offers milestone benefits that reach 5,000 EDGE Miles for its users.

Axis Bank SELECT Credit Card

Annual Fee: Rs. 3,000

Key Benefits:

• Users receive 10 EDGE reward points for spending each Rs. 200.
• Users of this card get Rs. 500 BigBasket discount (only available with a minimum monthly spend of Rs. 3,000).
• The cardholder gets Rs. 200 Swiggy discounts on two occasions per month provided their purchase reaches Rs. 1,000.
• 12 international lounge visits and 2 domestic visits per quarter.
• 12 free golf rounds annually.
• The credit card provides new customers with 10,000 EDGE points that have a value of Rs. 2,000.

Read More: NHAI Recruitment 2025: Apply for Govt IT Job with ₹2.18 Lakh Salary!

HDFC Regalia Gold Credit Card

Annual Fee: Rs. 2,500

Key Benefits:

• When shopping at Nykaa or Myntra with Reliance Digital the cardholder earns five times as many reward points.
• The holder earns 4 reward points for every retail transaction when spending Rs. 150.
• Free Swiggy One and MMT Black Elite Memberships.
• Rs. 2,500 joining benefit voucher.
• The cardholder receives Rs. 1,500 gift vouchers when spending Rs. 1 lakh during a single quarter.
• Rs. 5,000 flight vouchers on annual spending of Rs. 5 lakh.

IndianOil RBL Bank XTRA Credit Card

Annual Fee: Rs. 1,500

Key Benefits:

• 7.5% cashback as 15 Fuel Points per Rs. 100 spent on IndianOil fuel.
• 1% fuel surcharge waiver (Rs. 500 to Rs. 4,000 transactions).
• 3 Fuel Points per Rs. 100 spent on other categories.
• 3,000 Fuel Points as a welcome benefit.
• Annual fee waived on Rs. 2.75 lakh yearly spends.
• 8.5% savings on IOCL fuel spends.

Tata Neu Infinity HDFC Credit Card

Annual Fee: Rs. 1,499

Key Benefits:

• 1,499 NeuCoins on first spend within 30 days.
• 1.5% NeuCoins on UPI and non-Tata brand purchase.
• 5% NeuCoins on Tata Neu platform purchases.
• Low forex markup fee of 2%.
• 8 international and 4 domestic lounge access per year via Priority Pass.

Cashback SBI Card

Annual Fee: Rs. 999

Key Benefits:

• 5% cashback on online transactions without merchant restrictions.
• 1% cashback on offline transactions.
• Monthly cashback cap of Rs. 5,000.
• Renewal fee waiver on Rs. 2 lakh yearly spend.
• 1% fuel surcharge waiver (up to Rs. 100 per month).

YES Bank Paisabazaar PaisaSave Credit Card

Annual Fee: Rs. 0

Key Benefits:

• 3% cashback on online shopping (up to 5,000 points monthly).
• 1.5% unlimited cashback on all other spends, including UPI.
• Cashback can be redeemed as statement credit with no redemption fee.
• 1% fuel surcharge waiver (Rs. 500-Rs. 3,000 transactions, up to Rs. 250 per month).
• Renewal fee waived on Rs. 1.2 lakh yearly spend.

The decision regarding your credit card selection should align with your typical way of spending money. The American Express Platinum along with the Axis Bank Reserve serve premium travelers who want outstanding travel benefits.

The Cashback SBI Card combined with YES Bank PaisaSave Credit Card serve consumers best who conduct their shopping online. Customers who spend fuel regularly should choose the XTRA Credit Card from IndianOil RBL Bank. You should verify information about fees and features on bank websites before making an application.