Credit cards have become essential for cashless transactions, providing convenience, rewards, and financial flexibility. With many options available, selecting the right credit card can be challenging. Each card offers unique benefits suited to different spending habits, lifestyles, and financial goals.
From attractive cashback offers and reward points to premium lifestyle benefits and travel perks, the top credit cards in India are designed to meet a variety of needs. Jupiter Money has analysed the different card options available in India, and here is a list of the best credit cards based on our research.
Best Credit Cards in India 2025
The “best” credit card in India for 2025 depends heavily on your individual spending habits and priorities. However, here are a few top contenders in different categories, along with their key features and benefits:
| Credit Card | Joining Fees | Lifetime Free | Annual Fee | Welcome Benefits | Cashback Features & Rewards |
| Jupiter Edge UPI Credit Card | Free | Yes | Free | ₹250 Welcome Voucher from top brands like Amazon and Flipkart | Assured 2% cashback on either shopping, travel, or dining. Assured 0.4% cashback on all other UPI and credit card spends. Free lounge access |
| HDFC Regalia Gold Credit Card | ₹2500 | No | ₹2500 | Complimentary Club Vistara Silver Tier and MMT Black Elite Membership | 4 Reward Points per ₹150 retail spends, 20 Reward Points on every ₹150 spends at Nykaa, Myntra, Reliance Digital and more. |
| SBI Simply Save Credit Card | ₹499 | No | ₹499 | 2000 Reward Points on spending ₹2000 in the first 60 days | 10 Reward Points per ₹150 spent at departmental stores, groceries, dining, and movies. 1 |
| IDFC First Millennia Credit Card | Nil | Yes | Nil | ₹500 Worth Gift Voucher on first swipe within 30 days | 6X Reward Points on online spends. 3X Reward Points on offline spends. 10X Reward Points on your birthday month. Complimentary lounge access |
| AU Bank LIT Credit Card | Nil | Yes | Nil | None | Depends on the features you choose. |
| Axis Bank ACE Credit Card | ₹499 | No | ₹499 | ₹500 Cashback on the first transaction within 30 days | 5% Cashback on utility bill payments, mobile recharges, and DTH payments via Google Pay. 4% Cashback on Swiggy, Zomato, and Ola |
| SBI Cashback Card | ₹999 | No | ₹999 | ₹750 Amazon Gift Card on spending ₹5000 in the first 30 days | 5% Cashback on online shopping platforms. 1% Cashback on all other retail spends |
| ICICI Amazon Pay Credit Card | Nil | Yes | Nil | ₹750 Amazon Gift Card on first use | 5% Cashback on Amazon India for Amazon Prime customers. 3% Cashback on Amazon India for non-Prime customers. 2% Cashback on spends at 100+ Amazon Pay partner merchants. 1% Cashback on all other spends |
| Flipkart Axis Credit Card | ₹500 | No | ₹500 | 5% Cashback on Flipkart & Myntra spends | 4% Cashback on preferred partners including Swiggy, Uber, PVR, and Cure.fit. 1.5% Cashback on all other spends |
| YES Bank Freo Credit Card | ₹399 | No | ₹399 | 1% Cashback on the first transaction. 5% Cashback on spends over ₹10,000 in the first 90 days | 1.5% Cashback on all online spends. 1% Cashback on all offline spends |
Features & Benefits of Top 10 Credit Cards in India
1. Jupiter Edge CSB Bank Credit Card
The Jupiter Edge CSB Bank Credit Card is a revolutionary financial product designed to cater to the modern Indian consumer. This isn’t just another credit card; it’s a lifestyle upgrade. It’s a RuPay card, which means you can seamlessly integrate it into your digital payments using UPI, offering unparalleled convenience and flexibility.
This card is perfect for individuals who value rewards, flexibility, and a hassle-free banking experience. Whether you’re a frequent traveller, a shopaholic, or a foodie, the Edge card has something to offer you.
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2. HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card is a premium option tailored for those who enjoy luxury and travel. It is aimed at high-spending individuals seeking exclusive benefits and rewards. To qualify, you generally need a solid credit history and a high annual income. Typically, the card requires a minimum monthly income of Rs. 1,00,000 for salaried individuals, with a higher income requirement for self-employed applicants. Here’s a breakdown of its main features and potential advantages:
3. SBI Simply Save Credit Card
The SimplySAVE SBI Credit Card offers great value with its mix of affordability and rewards. You can earn 2,000 bonus Reward Points by spending Rs.2,000 within the first 60 days. The card provides 10x Reward Points on selected categories, a 1% fuel surcharge waiver, and an opportunity to have the annual fee waived based on your spending. It’s accepted worldwide, features contactless payments, and offers a range of useful benefits for a smooth financial experience.
4. IDFC First Millennia Credit Card
The IDFC First Millennia Credit Card is designed to fit the modern millennial lifestyle, offering a lifetime free membership and a range of exceptional features. With this card, you can earn up to 10X Reward Points, enjoy low interest rates, and get exclusive discounts from various merchants. Beyond its financial benefits, this card is also a style statement that reflects your individuality. To qualify, you need an annual income of Rs.3 lakhs or more, and issuance depends on the bank’s evaluation criteria.
5. AU Bank LIT Credit Card
The AU Bank LIT Credit Card stands out for its unique feature: customisation. Subscribers can choose from five different service options, or “baskets.” For instance, if you travel frequently, you can select lounge access benefits and only pay for that feature. During the festival season, you can opt for cashback offers for your festival shopping.
Each basket of features is valid for 90 days, with a cost ranging from INR 49 to INR 499 per cycle. You can subscribe to and pay only for the features you need, with the flexibility to add or remove them as you wish. If you don’t choose any additional benefits, you will have the basic version of the LIT card, which has no annual fees.
6. Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card offers a range of benefits and features designed to enhance your financial experience. With this card, you can earn cashback on bill payments, recharges, and other daily spends. It also provides access to airport lounges, fuel surcharge waivers, and dining discounts. Plus, you can convert purchases into easy monthly payments. With no joining or annual fees, it’s a great option for those looking for a versatile credit card.
7. SBI Cashback Credit Card
The SBI Cashback Card offers valuable benefits with a 5% cashback on online purchases and 1% cashback on offline spending. You can avoid the renewal fee by spending Rs. 2 lakh annually, making it economical for regular users. The card also provides a 1% fuel surcharge waiver at petrol stations across India, helping you save on fuel. It’s globally accepted and features contactless technology for secure and convenient transactions. Additional benefits include add-on cards for family members, EMI balance transfers, utility bill payments, and cash withdrawals.
8. Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is a co-branded credit card designed to offer maximum benefits to online shoppers, especially those who are frequent Amazon customers. It’s a no-frills card, focusing on providing cashback rewards on every purchase.
The eligibility criteria for this card are similar to other credit cards. Generally, you would need to be a resident Indian citizen with a good credit score and a steady income. Specific eligibility requirements can vary based on the bank’s internal policies.
9. Flipkart Axis Bank Credit Card
The Axis Bank Flipkart Credit Card provides valuable welcome benefits, effectively covering the joining fee. It offers 5% cashback on purchases made at Flipkart and unlimited 4% cashback at Preferred Merchants. This card is ideal for those who shop more frequently on Flipkart rather than Amazon. The cashback earned is directly credited to your credit card statement, which is a standout feature of this card.
10. YES Bank Freo Credit Card
The Yes Bank Freo Credit Card is a relatively new entrant in the Indian credit card market, designed to cater to the needs of the modern, digitally-savvy consumer. This card is particularly appealing to individuals who prioritise cashback rewards, enjoy online shopping and value convenience. Take a look at its features to see if it’s the right fit for you.
Factors to Consider when Choosing Credit Cards in India
Selecting the perfect credit card can be overwhelming given the numerous options available in India. To make an informed decision, carefully evaluate the following factors:
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Credit Score
Your creditworthiness plays an important role in determining your eligibility for a credit card and the credit limit you can secure. A higher credit score often translates to better approval chances and more favourable terms.
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Interest Rates
Credit cards typically charge interest on outstanding balances. Carefully compare interest rates across different cards to avoid unexpected costs. Opting for a card with a lower interest rate can save you money in the long run.
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Fees
Many credit cards come with associated fees, such as annual fees, joining fees, and late payment charges. Understanding the fee structure is essential to prevent hidden costs. Consider cards with minimal or no annual fees if you prioritise cost-effectiveness.
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Rewards and Benefits
Credit cards often provide rewards programs, offering perks like cashback, airline miles, or points redeemable for merchandise. Consider your spending habits to select a card that aligns with your lifestyle and maximises rewards. Other benefits to look for include purchase protection, travel insurance, and concierge services.
How to Select the Perfect Credit Card?
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Assess Your Requirements
Before applying for a credit card, determine how you plan to use it. Credit cards generally fall into two categories: rewards cards and cashback cards. There are also cards designed for specific categories such as travel, shopping, entertainment, and dining. Identify your needs to choose the card that best suits your requirements.
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Compare Your Options
Once you’ve narrowed down your options, research and compare different credit cards to find one that meets your needs. Look at factors like interest rates, rewards programs, bonus categories, and annual fees. You might find a card that offers similar or better benefits at a lower cost. Comparing credit cards helps you find the best option for you.
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Understand the Fees & Charges
Review all fees and charges before applying for a credit card. Decide if you’re comfortable with an annual fee or if you prefer a no-fee card. Besides the annual fee, check for other charges like finance charges, cash advance fees, forex markup fees, and over-limit charges. High interest rates can accumulate quickly if you don’t pay your bill in full and on time, so always aim to pay off your balance to avoid extra costs.
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Frequently Asked Questions (FAQs)
Which credit card offers the best rewards in India?
Many credit cards in India provide reward points. However, the best card for you depends on your spending habits. Some cards offer higher rewards on specific categories like travel, dining, or shopping. To find the perfect match, explore our guide on reward credit cards.
Are high annual fees necessary for premium credit card benefits?
While some premium credit cards do come with hefty annual fees, it’s not always the case. Cards like the Jupiter Edge CSB Bank credit card offer competitive benefits without charging an annual fee, making it a great option for many users.
What is the best credit card for travel in India?
The Jupiter EDGE UPI Credit card is a strong contender for travel enthusiasts, offering 2% cashback on travel expenses.
Do I need to pay for lounge access with a premium credit card?
Lounge access is a common perk of premium credit cards, but it often comes with conditions. Some cards require a minimum annual spend to qualify for complimentary lounge visits. The Jupiter Edge CSB Credit Card offers lounge access after spending ₹30,000 in the last three months.
What is the minimum salary requirement for a credit card?
Credit card eligibility criteria vary across banks. While some cards target high-income individuals, others are designed for first-time cardholders with lower incomes. Factors like credit history and spending patterns also influence approval.
Looking for a Specific Credit Card?
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Airport Lounge Credit Cards
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International Travel Credit Card
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Movie Tickets Credit Cards
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Rewards
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Lifetime Free Credit Card
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Utility Bill Payment Credit Card
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Insurance Payment Credit Card
