Best Credit Cards 2025: Which One Should You Pick?
Are you searching for the best credit cards 2025 that can simply suit your requirements? Credit cards can become your financial savior when you are facing financial constraints. However selecting just one credit card out of so many available in the market can be a tedious task. You’re going through the right article if you are looking for the best credit cards in 2025. From here you can gather knowledge about top cards and different categories like shopping, travel, fuel, rewards, cashback, and cards with premium features. But before discussing the list of options that you can avail for selecting the perfect card, let’s focus on the factors for choosing a credit card.
Few aspects to consider while selecting a credit card
Prior to jumping into the list of the great credit cards in India, let’s take a quick look at the considerations or factors that are essential
let’s have a look at the considerations while choosing a card:
Annual Fees & charges: Certain cards can come with hefty annual charges but on the other hand can reward you with luxurious benefits, whereas others can cater great value without any costs.
Rewards & cashback: Some cards offer the best cashback, and cashback credit cards with high ratings enable you to save money on your day-to-day purchases.
Travel benefits: For those who travel a lot, do opt for credit cards that provide airport lounge access benefits, travel insurance, as well as air mile conversion.
Shopping benefits: Most cards cater discounts at restaurants, shopping, and entertainment.
Eligibility criteria: Some of the premium cards need a high-income percentage, whereas, some are applicable for salaried persons. So, this can also be a criterion for choosing a credit card.
Now let’s take a quick look at the list of different categories of credit cards available in the market that can best meet your purpose.
Best Credit Card in India 2025
This list will narrate about different card options available and the best credit card in India.
Credit card for beginners
Credit card for beginners is also termed as Entry Level Credit Card. If you are using a credit card for the first time and require simple and flexible ones to meet your purpose, select from this category.
1. SBI Cashback card
The SBI Cashback Credit Card continues to be a popular pick among first-time cardholders. But why? This credit card comes with a very appealing 5% cashback on online spending, despite the recent devaluation. With a high monthly limit of ₹5,000, this works out to merit money spend of up to ₹1 lakh per month.
Annual maintenance charge
Usually for this card, you may need to pay an amount of Rs. 999 as annual charge. This need to be paid from the first year. However, the annual fee can be waived from the second year on spending of 2 lakhs.
How to apply for this card
You can browse the SBI Card official website or download the app. Then you can go to “Credit card section” select the option Cashback SBI Card and apply online by filling up relevant form.
2. Amex MRCC
The American Express Membership Rewards Credit Card or in short MRCC is the ideal entry point to the Amex world. By just using the card you can seamlessly accumulate the 2,000 MR bonus points every month. If you spend ₹20K you will be able to avail a staggering 6% return on spend.
Cardmembers also get to enjoy special Amex Offers, such as merchant offers and spend-based promotions, which are typically great value.
Annual maintenance charge
For this card you will be liable to pay annual charge of Rs. 1000 along with relevant taxes. From second year a sum of Rs. 4500 can be applicable.
How to apply for this card
You can seamlessly apply online. What you need to do is navigate to the American Express India Credit Cards page, fill up certain personal and financial details and also submit necessary documents, such as proof of identity, address, and income. They will review your application and after that you can avail the card.
Credit cards with no annual charges
If you are someone who is willing to avail of a credit card but is not willing to pay hefty maintenance charges, then you can definitely opt for cards with no annual charges. Let’s discuss the list of cards that come under this category.
1. Amazon Pay ICICI Bank Credit Card
1. Amazon Pay ICICI Bank Credit Card- No joining fee is required as you purchase the card
- You can gain up to 5% cashback on Amazon purchases
- 1% cash back on all other spend
- It is ideal for regular Amazon buyers
How to apply for this card
If you are willing to get this card visit Amazon Pay ICICI Bank Credit Card page. Fill the necessary financial as well as personal details and you can submit it. Also remember to provide necessary documents like address, income as well as identity proof.
2. Flipkart Axis Bank Credit Card
- You can seamlessly avail 5% cashback on Flipkart, Myntra, and associate stores
- 1.5% cashback on all other spends
- Ideal for online buyers who frequently do online shopping.
How to apply for this card
- Through the Flipkart mobile application:
- Open the Flipkart mobile app on your phone.
- Go to the ‘Credit Card’ section, usually under ‘My Account’ or ‘Flipkart Axis Bank Credit Card’.
- Proceed as per the on-screen instructions to fill in the application form.
- Provide the necessary details and wait for further communication on approval.
- Through the Axis bank website:
- Go to the Axis Bank Flipkart Credit Card page.
- Click on the ‘Apply Now’ button.
- Complete the online application form with your financial and personal information.
- Attach required documents, including proof of identity, proof of address, and proof of income.
3. HSBC Cashback Credit Card
- No annual fee is required in the first year
- 1.5% cashback on all spending online
- 1% cash back on other buys
How to apply for this credit card?
You can simply visit the HSBC Visa Cashback Credit Card page, then you can click on the “Apply Now” section for filing up the application form. Along with the form you need to submit necessary documents for processing procedure. You can also visit nearest HSBC branch for assistance.
Best credit card in India for salaried person
If you are a person with a regular job and get a salary on a monthly basis this category can suit you. Credit cards for salaried persons can provide good value with exciting rewards for everyday spending.
1. HDFC Millennia Credit Card
- You can get 5% cashback on Amazon, Flipkart, and other retailers
- Also, you can avail of free airport lounge access
- Annual fee waived on spending Rs. 1 lakh per year
Annual maintenance charge
The joining or renewal membership fee is Rs.1000 plus taxes. But this fee is usually waived off if you can spend Rs. 1 lakh or more in the next twelve months.
How to apply for this card?
You can visit nearest HDFC bank branch for filing the application or you can visit the HDFC Bank Millennia Credit Card page, fill up the necessary personal and financial details and can submit the file.
2. SBI Simply Click Credit Card
- Best for shopping online with a maximum of 10x reward points
- With this card, you can get a welcome e-voucher of Rs. 500
- Annual maintenance charge can be waived on spending Rs. 1 lakh per year
Annual maintenance charge
For this card you need to pay an amount of Rs. 499, but this charge can be waived off if your spending is more than a lakh.
How to apply for this card?
You can visit SimplyCLICK SBI Card page. There you can fill up the necessary information along with address and income proof documents and then submit the application.
3. ICICI Coral Credit Card
- You can get exciting reward points on dining, fuel, and also grocery
- Free railway lounge access also comes with this credit card
- A low joining fee can be an alluring option.
Annual maintenance charge
If you select this card you need to pay an amount of Rs. 500, but this charge can be waived off if your spending is more than Rs. 1,50,000.
How to apply for this card?
To apply for this card you can visit ICICI Bank Coral Credit Card page. From there you can fill up the necessary information along with address and income proof documents and then submit the application.
Premium Credit Cards in India 2025
For luxury seekers, who love some extra the best premium credit cards in India 2025 provide exclusive rewards and privileges that can allure you to at least keep one with you.
1. American Express Platinum Card
- This card offers global airport lounge access
- It also comes with seamless concierge service available 24/7
- High reward points on international purchases
- Best suited for high-net-worth individuals
Annual maintenance charge
The American Express Platinum Card in India comes with an annual maintenance fee of Rs. Sixty-Six thousand, subject to taxes. This is collected once a year; there is no additional monthly maintenance fee.
How to apply for this card?
At present, American Express has suspended the taking of new applications for this card in India as they are under the process of consolidating new platforms for their domestic card issuing activities.
2. HDFC Infinia Credit Card
- What you can gain is unlimited airport lounge access
- 5x reward points on select spending categories or segments
- You can also enjoy complimentary golf sessions along with hotel privileges
Annual maintenance charge
The joining or renewal membership fee is Rs. 12,500 plus taxes. But this fee is usually waived off if you can spend Rs. 10 lakhs or more in the next twelve months.
How to apply for this card?
You can visit nearest HDFC bank branch for filing the application or you can also connect with HDFC bank customer care support.
This card is one of the highest reward credit cards in India. Hope you after going through this article understand the fact that selecting the best credit card in India is based on your expenditure along with financial requirements. If you like cashback, opt for highest cashback credit cards such as Amazon Pay ICICI Bank Credit Card. If you are looking for high-end benefits, HDFC Infinia or American Express Platinum Card are good options. If you wish to earn rewards on daily expenses, opt for SBI Simply Click or HDFC Millennia Credit Card.
Also remember the fact that to prepare before applying compare benefits, rewards, and charges to determine that you are choosing the correct card. Your correct credit card can enable your finances more flexible and grant you exclusive privileges, making 2025 a good year for your spending.
Disclaimer – This blog is for informational purposes only. Before conducting any investment, it is advisable to carry out comprehensive research.
People Also Ask About Best Credit Cards 2025
What is the best credit card to have in 2025?
The top credit card in 2025 only relies on personal need. But in case you need high-end cards you can consider Chase Sapphire or Amex Platinum. They give excellent rewards along with travel benefits.
Which credit card is best in India in 2025?
In India, the HDFC Regalia, Axis Magnus, and SBI Elite are among the best credit cards in 2025. These cards cater excellent gains in terms of travel, dining, along overall lifestyle spending.
What is the #1 credit card to have?
The #1 credit card depends mainly on the user. Being a credit card user you can choose any card based on your demand. But Amex Platinum usually leads the pack for its unparalleled travel rewards, lounge access, and land luxury perks.
What is the 2/3/4 rule for credit cards?
The 2/3/4 rule is mainly a guideline where banks can limit your use to 2 cards every 2 months, 3 in 12 months, as well as 4 in 24 months in order to manage risk.
Which is the best credit card in 2025?
In 2025, top credit card contenders can be listed as Amex Platinum, Chase Sapphire Reserve, and Citi Prestige. As they cater high rewards and premium perks.
Which are the top 3 credit cards in India?
India’s top 3 credit cards in 2025 are HDFC Infinia, Axis Magnus, and SBI Card ELITE. They cater great reward rates, travel benefits, as well as exclusive lifestyle privileges to its user.
