Choosing the right credit card can save you thousands of rupees every year. In this guide, we compare the best credit cards in India for 2025 across multiple categories.
Most Popular: HDFC Regalia The HDFC Regalia offers a strong balance of rewards, lounge access, and lifestyle benefits at a reasonable annual fee of ₹2,500. With 4 reward points per ₹150 spent and 12 domestic lounge visits per year, it remains one of the most widely held premium cards.
Popular for Amazon Shopping: ICICI Amazon Pay Credit Card A lifetime free card that gives 5% cashback on Amazon for Prime members. No annual fee and instant cashback make it the simplest cashback card available.
Popular for Fuel Savings: SBI BPCL Credit Card 13x reward points on BPCL fuel purchases plus fuel surcharge waiver — daily commuters can save ₹3,000-5,000 per year with this card.
Top Zero Annual Fee: IDFC FIRST WOW Credit Card Lifetime free with 10x rewards on online spends and never-expiring reward points. A low interest rate at 9% p.a. makes it commonly used by those who occasionally carry a balance.
Top Premium: HDFC Infinia For high spenders, the Infinia offers 5 reward points per ₹150 with no cap, unlimited lounge access worldwide, and transfer partnerships with Marriott and Singapore Airlines.
Popular for Flipkart/Myntra: Axis Flipkart Credit Card 5% unlimited cashback on Flipkart and Myntra makes this the go-to card for India's largest e-commerce platform.
How to Choose Consider your spending pattern first. If you spend ₹50,000+ per month, a premium card will offer better value despite the annual fee. For spends under ₹30,000/month, a zero-fee card like ICICI Amazon Pay or IDFC FIRST WOW is the smarter choice.
Always check: annual fee waiver conditions, reward redemption value (not just earning rate), and additional benefits like lounge access and insurance cover.