Top 10 Best Credit Cards in India 2025 – Compare Rewards & Benefits

Introduction

Credit cards are no longer just a payment method—they’re a lifestyle tool. In 2025, banks in India are offering credit cards that come with cashback, travel benefits, lounge access, insurance, and exclusive rewards. Choosing the right one can help you save big and enjoy premium perks.

Here’s a list of the Top 10 Credit Cards in India 2025 with their rewards and benefits compared.

1. HDFC Diners Club Black Metal Edition

Joining Fee: ₹10,000
Benefits: Unlimited international and domestic lounge access, 3.33% reward rate, golf benefits, luxury hotel privileges.
Best For: Frequent travelers and premium lifestyle users.

2. Axis Atlas Credit Card

Joining Fee: ₹5,000
Benefits: Earn EDGE Miles on all spends, bonus miles on milestones, airport lounge access.
Best For: Travelers looking for flexible airline reward points.

3. HDFC Regalia Gold Credit Card

Joining Fee: ₹2,500
Benefits: Earn NeuCoins on every spend, complimentary airport lounge access, low forex markup.
Best For: People who shop on Tata Neu and want lifestyle + travel benefits.

4. IndianOil RBL Bank XTRA Credit Card

Joining Fee: ₹1,500
Benefits: Up to 8.5% savings on fuel at IndianOil pumps, fuel surcharge waiver, reward points on daily spends.
Best For: Regular car or bike users who spend a lot on fuel.

5. SBI Cashback Credit Card

Joining Fee: ₹999
Benefits: 5% cashback on online shopping, 1% cashback on offline spends, fuel surcharge waiver.
Best For: Online shopping lovers.

6. HDFC Millennia Credit Card

Joining Fee: ₹1,000 (Waived on annual spends of ₹1 lakh)
Benefits: 5% cashback on Amazon, Flipkart, Myntra, Zomato, Swiggy; 1% on other spends.
Best For: Millennials who shop and order food online frequently.

7. Axis Bank SELECT Credit Card

Joining Fee: ₹3,000
Benefits: EDGE reward points, free lounge access, monthly discounts on groceries and dining.
Best For: Families who spend regularly on groceries, dining, and travel.

8. SBI Prime Credit Card

Joining Fee: ₹2,999
Benefits: 10 reward points per ₹100 spent on dining, groceries, departmental stores; free Club Vistara membership; lounge access.
Best For: High spenders who want a mix of rewards and travel perks.

9. American Express Membership Rewards® Credit Card

Joining Fee: ₹4,500
Benefits: Bonus reward points on monthly spends, flexible redemption across brands, dining discounts.
Best For: Professionals who want exclusive offers and premium service.

10. IDFC FIRST Millennia Credit Card

Joining Fee: Lifetime Free
Benefits: No hidden charges, reward points on every spend, fuel surcharge waiver, movie & dining offers.
Best For: Beginners and cost-conscious users who want a free card with benefits.

📺 YouTube Video Reference

Here’s a helpful video to visually compare some of the best credit cards in 2025:
👉 The 5 Best Credit Cards of 2025 || Best Credit Cards 2025

How to Choose the Right Credit Card for You

Travelers → Go for HDFC Diners Club Black or Axis Atlas.
Online Shoppers → SBI Cashback or HDFC Millennia is perfect.
Fuel Users → IndianOil RBL Bank XTRA saves the most.
Premium Lifestyle → HDFC Regalia Gold or Amex Membership Rewards.
Beginners → IDFC FIRST Millennia is the best free option.

Final Verdict

If you’re looking for maximum rewards, go for HDFC Diners Club Black.
If you want budget-friendly cashback, SBI Cashback Card is unbeatable.
For lifetime free benefits, choose IDFC FIRST Millennia.

✅ FAQs

Q1. Which is the best credit card in India in 2025?
The HDFC Diners Club Black Metal Edition is considered one of the best credit cards in India 2025 for premium users, offering unlimited lounge access, luxury benefits, and high reward points.

Q2. Which is the best cashback credit card in India 2025?
The SBI Cashback Card is the best for online shoppers, giving flat 5% cashback on digital purchases and 1% on offline spends.

Q3. Which credit card is free for lifetime in India 2025?
The IDFC FIRST Millennia Credit Card is a lifetime free option with good reward points, making it a great beginner-friendly choice.

Q4. Which credit card is best for travel in 2025?
The Axis Atlas Credit Card and HDFC Diners Club Black are best for frequent travelers, offering free lounge access, air miles, and exclusive travel perks.

Q5. How do I choose the right credit card?
Choose based on your lifestyle:

Online Shopping → SBI Cashback, HDFC Millennia
Fuel → IndianOil RBL Bank XTRA
Travel → HDFC Diners Club Black, Axis Atlas
Premium Lifestyle → Amex Membership Rewards, HDFC Regalia Gold