By: Monetary Minded – India’s Trusted Voice in Personal Finance
Looking for the best credit cards in India 2025 to match your lifestyle and maximize rewards?
Whether you’re shopping online, paying via UPI, or planning international trips – the right card can save you thousands and unlock exclusive perks.
In this guide by Monetary Minded, we’ve compared the top-performing credit cards in India for cashback, UPI payments, travel benefits, and reward points – based on real value, fees, and features.
🏆 Best Cashback Credit Cards
💰 Comparison of Top Cashback Credit Cards (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| SBI Cashback | SBI | Visa | ✘ | 5% online, 1% offline, fuel waiver | ₹999 (₹1L spend) | Online Shoppers |
| Axis ACE | Axis Bank | Visa | ✘ | 5% Google Pay, 4% food apps | ₹499 (₹2L spend) | Bill Payments via Google Pay |
| HDFC Millennia | HDFC | Visa/Mastercard | ✘ | 5% Amazon/Flipkart, lounge access | ₹1,000 (₹1L spend) | Online + Lounge Access |
1. SBI Cashback Credit Card
- Benefits: 5% cashback on online spends, 1% on offline spends, 1% fuel surcharge waiver.
- Eligibility: Minimum income of ₹20,000/month.
- Annual Fee: ₹999
- Renewal Fee: ₹999 (waived on spends of ₹1 lakh/year)
2. Axis Bank ACE Credit Card
- Benefits: 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato, Ola, 2% on other spends.
- Eligibility: Minimum income of ₹15,000/month.
- Annual Fee: ₹499
- Renewal Fee: ₹499 (waived on spends of ₹2 lakh/year)
3. HDFC Millennia Credit Card
- Benefits: 5% cashback on Amazon, Flipkart, 1% on offline spends, lounge access.
- Eligibility: Minimum income of ₹25,000/month.
- Annual Fee: ₹1,000
- Renewal Fee: ₹1,000 (waived on spends of ₹1 lakh/year)
✈️ Best Travel Credit Cards
Comparison of 3 Best Credit Cards in India 2025 for Travel (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| Axis Atlas | Axis Bank | Visa | ✘ | 30 lounges, EDGE Miles, milestones | ₹5,000 | Frequent Flyers |
| Diners Black | HDFC | Diners Club | ✘ | Unlimited lounges, low forex | ₹10,000 (₹5L spend) | Luxury Travelers |
| MMT ICICI Signature | ICICI | Visa | ✘ | MMT perks, 5% on MMT | ₹999 (₹2.5L spend) | Holiday Planners |
1. Axis Bank Atlas Credit Card
- Benefits: 2.5X EDGE Miles on travel, up to 30 lounge visits/year, milestone rewards.
- Eligibility: Minimum income of ₹9 lakh/annum.
- Annual Fee: ₹5,000
- Renewal Fee: ₹5,000
2. HDFC Diners Club Black Credit Card
- Benefits: 6 RPs per ₹150, unlimited lounge access, low forex markup.
- Eligibility: ₹1.75 lakh/month income.
- Annual Fee: ₹10,000
- Renewal Fee: ₹10,000 (waived on spends of ₹5 lakh/year)
3. MakeMyTrip ICICI Bank Signature Card
- Benefits: MMTBLACK membership, 5% cashback on MMT, 1% elsewhere.
- Eligibility: ₹25,000/month income.
- Annual Fee: ₹999
- Renewal Fee: ₹999 (waived on spends of ₹2.5 lakh/year)
💳 Best UPI-Compatible Credit Cards (RuPay)
Comparison of 3 Best Credit Cards in India 2025 for UPI Compatibility (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| HDFC UPI RuPay | HDFC | RuPay | ✔ | 3% groceries/dining, 2% utilities | ₹99 (₹25K spend) | UPI Users |
| YES PaisaSave | YES Bank | RuPay | ✔ | 3% online, 1.5% others | ₹499 (₹1.2L spend) | Online Shoppers |
| Myntra Kotak | Kotak | RuPay | ✔ | 7.5% Myntra, 5% lifestyle | ₹500 (₹1L spend) | Myntra Users |
1. HDFC UPI RuPay Credit Card
- Benefits: 3% cashback on groceries, dining, PayZapp; 2% on utilities; 1% elsewhere.
- Eligibility: ₹15,000/month income.
- Annual Fee: ₹99
- Renewal Fee: ₹99 (waived on spends of ₹25,000/year)
2. YES Bank RuPay PaisaSave Credit Card
- Benefits: 3% cashback online, 1.5% on other spends including UPI.
- Eligibility: ₹20,000/month income.
- Annual Fee: ₹499
- Renewal Fee: ₹499 (waived on spends of ₹1.2 lakh/year)
3. Myntra Kotak Credit Card
- Benefits: 7.5% on Myntra, 5% on Swiggy/PVR/Urban Co, 1.25% others.
- Eligibility: ₹25,000/month income.
- Annual Fee: ₹500
- Renewal Fee: ₹500 (waived on spends of ₹1 lakh/year)
⛽ Best Fuel Credit Cards
Comparison of 3 Best Credit Cards in India 2025 for Fuel (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| IndianOil HDFC | HDFC | Visa | ✘ | 5% IOCL, groceries, bills | ₹500 (₹50K spend) | Daily Commuters |
| BPCL SBI Octane | SBI | Visa | ✘ | 6.25% BPCL, fuel waiver | ₹1,499 (₹2L spend) | High Fuel Users |
| ICICI HPCL Super Saver | ICICI | Visa | ✘ | 4% HPCL, 5% groceries | ₹500 (₹1L spend) | Urban Drivers |
1. IndianOil HDFC Credit Card
- Benefits: 5% fuel points on IOCL, groceries, bill payments; 1% elsewhere.
- Eligibility: ₹10,000/month income.
- Annual Fee: ₹500
- Renewal Fee: ₹500 (waived on spends of ₹50,000/year)
2. BPCL SBI Card Octane
- Benefits: 6.25% on BPCL, 1.25% on other spends, 1% fuel surcharge waiver.
- Eligibility: ₹20,000/month income.
- Annual Fee: ₹1,499
- Renewal Fee: ₹1,499 (waived on spends of ₹2 lakh/year)
3. ICICI HPCL Super Saver Credit Card
- Benefits: 4% on HPCL, 5% on groceries & bills, 2% other spends.
- Eligibility: ₹15,000/month income.
- Annual Fee: ₹500
- Renewal Fee: ₹500 (waived on spends of ₹1 lakh/year)
🛍️ Best Shopping & Lifestyle Credit Cards
Comparison of 3 Best Credit Credit Cards in India 2025 for Shopping & Lifestyle (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| Flipkart Axis | Axis Bank | Visa | ✘ | 5% Flipkart/Myntra, 4% partners | ₹500 (₹2L spend) | Flipkart Buyers |
| Amazon Pay ICICI | ICICI | Visa | ✘ | 5% Amazon (Prime), 3% others | ₹0 | Amazon Loyalists |
| Tata Neu Infinity | HDFC | Visa | ✘ | 5% NeuCoins, lounges, 1.5% others | ₹1,499 (₹3L spend) | Tata Ecosystem Users |
1. Flipkart Axis Bank Credit Card
- Benefits: 5% on Flipkart/Myntra, 4% on partners, 1.5% other spends.
- Eligibility: ₹15,000/month income.
- Annual Fee: ₹500
- Renewal Fee: ₹500 (waived on spends of ₹2 lakh/year)
2. Amazon Pay ICICI Credit Card
- Benefits: 5% on Amazon (Prime), 3% (non-Prime), 1% elsewhere.
- Eligibility: ₹15,000/month income.
- Annual Fee: ₹0
- Renewal Fee: ₹0
3. Tata Neu Infinity HDFC Credit Card
- Benefits: 5% NeuCoins on Tata brands, 1.5% others, free lounge access.
- Eligibility: ₹25,000/month income.
- Annual Fee: ₹1,499
- Renewal Fee: ₹1,499 (waived on spends of ₹3 lakh/year)
💎 Best Premium & Super Premium Credit Cards
Comparison of 3 Best Premium & Super Premium Credit Cards in India 2025 (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| HDFC Infinia | HDFC | Visa Infinite | ✘ | Unlimited lounges, 5 RP/₹150 | ₹12,500 (₹10L spend) | HNWIs |
| Axis Reserve | Axis Bank | Visa Infinite | ✘ | Concierge, lounges, 50k bonus | ₹50,000 | Ultra-premium Users |
| SBI ELITE | SBI | Mastercard | ✘ | 5X dining, movies, global lounges | ₹4,999 (₹10L spend) | Dining + Travel |
1. HDFC INFINIA Credit Card
- Benefits: Unlimited lounge access, 5 RPs/₹150, low forex markup.
- Eligibility: Invite-only.
- Annual Fee: ₹12,500
- Renewal Fee: ₹12,500 (waived on spends of ₹10 lakh/year)
2. Axis Reserve Credit Card
- Benefits: Unlimited lounge, concierge, 50,000 EDGE rewards as welcome bonus.
- Eligibility: ₹18 lakh/annum income.
- Annual Fee: ₹50,000
- Renewal Fee: ₹50,000
3. SBI Card ELITE
- Benefits: Free movie tickets, 5X rewards on dining, global lounge access.
- Eligibility: ₹60,000/month income.
- Annual Fee: ₹4,999
- Renewal Fee: ₹4,999 (waived on spends of ₹10 lakh/year)
🤝 Best Co-Branded Credit Cards
Comparison of Top 3 Co-Branded Credit Cards (Click to Collapse)
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| EaseMyTrip SC | Standard Chartered | Visa | ✘ | 10X EMT, 2X others, hotel/flight deals | ₹350 (₹60K spend) | Travel deal hunters |
| IRCTC SBI Premier | SBI | RuPay | ✔ | 10% trains, 4 lounges/year, 1% fee waiver | ₹1,499 (₹1.5L spend) | Train travelers |
| Tata Neu Plus HDFC | HDFC | Visa | ✘ | 2% Tata brands, fuel waiver | ₹499 (₹60K spend) | Budget Tata shoppers |
1. Standard Chartered EaseMyTrip Credit Card
- Benefits: 10X rewards on EaseMyTrip, 2X elsewhere, discounts on flights/hotels.
- Eligibility: ₹25,000/month income.
- Annual Fee: ₹350
- Renewal Fee: ₹350 (waived on spends of ₹60,000/year)
2. IRCTC SBI Premier Card
- Benefits: 10% value back on train tickets, 4 free lounges/year, 1% transaction fee waiver.
- Eligibility: ₹20,000/month income.
- Annual Fee: ₹1,499
- Renewal Fee: ₹1,499 (waived on spends of ₹1.5 lakh/year)
3. Tata Neu Plus HDFC Credit Card
- Benefits: 2% NeuCoins on Tata brands, 1% others, fuel surcharge waiver.
- Eligibility: ₹20,000/month income.
- Annual Fee: ₹499
- Renewal Fee: ₹499 (waived on spends of ₹60,000/year)
📊 Complete Comparison Table of the Best Credit Cards in India 2025
💰 Cashback Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| SBI Cashback | SBI | Visa | ✘ | 5% online, 1% offline, fuel waiver | ₹999 (₹1L spend) | Online Shoppers |
| Axis ACE | Axis Bank | Visa | ✘ | 5% Google Pay, 4% food apps | ₹499 (₹2L spend) | Bill Payments via Google Pay |
| HDFC Millennia | HDFC | Visa/Mastercard | ✘ | 5% Amazon/Flipkart, lounge access | ₹1,000 (₹1L spend) | Online + Lounge Access |
✈️ Travel Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| Axis Atlas | Axis Bank | Visa | ✘ | 30 lounges, EDGE Miles, milestones | ₹5,000 | Frequent Flyers |
| Diners Black | HDFC | Diners Club | ✘ | Unlimited lounges, low forex | ₹10,000 (₹5L spend) | Luxury Travelers |
| MMT ICICI Signature | ICICI | Visa | ✘ | MMT perks, 5% on MMT | ₹999 (₹2.5L spend) | Holiday Planners |
📱 UPI-Compatible Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| HDFC UPI RuPay | HDFC | RuPay | ✔ | 3% groceries/dining, 2% utilities | ₹99 (₹25K spend) | UPI Users |
| YES PaisaSave | YES Bank | RuPay | ✔ | 3% online, 1.5% others | ₹499 (₹1.2L spend) | Online Shoppers |
| Myntra Kotak | Kotak | RuPay | ✔ | 7.5% Myntra, 5% lifestyle | ₹500 (₹1L spend) | Myntra Users |
⛽ Fuel Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| IndianOil HDFC | HDFC | Visa | ✘ | 5% IOCL, groceries, bills | ₹500 (₹50K spend) | Daily Commuters |
| BPCL SBI Octane | SBI | Visa | ✘ | 6.25% BPCL, fuel waiver | ₹1,499 (₹2L spend) | High Fuel Users |
| ICICI HPCL Super Saver | ICICI | Visa | ✘ | 4% HPCL, 5% groceries | ₹500 (₹1L spend) | Urban Drivers |
🛍️ Shopping & Lifestyle Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| Flipkart Axis | Axis Bank | Visa | ✘ | 5% Flipkart/Myntra, 4% partners | ₹500 (₹2L spend) | Flipkart Buyers |
| Amazon Pay ICICI | ICICI | Visa | ✘ | 5% Amazon (Prime), 3% others | ₹0 | Amazon Loyalists |
| Tata Neu Infinity | HDFC | Visa | ✘ | 5% NeuCoins, lounges | ₹1,499 (₹3L spend) | Tata Ecosystem Users |
🤝 Co-Branded Credit Cards
| Card Name | Bank | Card Type | UPI | Key Benefits | Renewal Fee | Ideal For |
|---|---|---|---|---|---|---|
| EaseMyTrip SC | Standard Chartered | Visa | ✘ | 10X EMT, flight/hotel deals | ₹350 (₹60K spend) | Travel Deal Hunters |
| IRCTC SBI Premier | SBI | RuPay | ✔ | 10% trains, lounges, waiver | ₹1,499 (₹1.5L spend) | Train Travelers |
| Tata Neu Plus HDFC | HDFC | Visa | ✘ | 2% Tata brands, fuel waiver | ₹499 (₹60K spend) | Budget Tata Users |
Frequently Asked Questions (FAQs)
1. What are the Best Credit Cards in India 2025 for cashback?
→ The SBI Cashback Credit Card is one of the top-rated best credit cards in India 2025 for cashback, offering 5% on online spends with no annual fee.
2. Can the Best Credit Cards in India 2025 be used for UPI payments?
→ Yes, many of the best credit cards in India 2025 are RuPay cards that work with UPI platforms like PhonePe, Google Pay, and Paytm.
3. Which is the Best RuPay option among the Best Credit Cards in India 2025?
→ Axis Bank Ace (RuPay) and HDFC RuPay Credit Card are two of the best credit cards in India 2025 for UPI users and cashback seekers.
4. What are the Best Credit Cards in India 2025 for frequent travelers?
→ HDFC Regalia and Axis Atlas are considered the best credit cards in India 2025 for travel due to lounge access and insurance benefits.
5. Which are the Best Credit Cards in India 2025 for beginners?
→ For first-time users, the Amazon Pay ICICI and SBI Cashback Credit Card are among the best credit cards in India 2025 with easy approval and zero fees.
6. What are the Best Credit Cards in India 2025 with no annual fees?
→ The Amazon Pay ICICI and SBI Cashback Credit Card top the list of best credit cards in India 2025 with lifetime free usage.
7. Which are the Best Credit Cards in India 2025 for online shopping?
→ HDFC Millennia, Axis Ace, and SBI Cashback are the best credit cards in India 2025 for getting up to 5% cashback on Amazon, Flipkart, and Zomato.
Final Thoughts: Find Your Perfect Credit Card Today
Choosing the best credit card in India for daily use comes down to knowing your spending habits.
Whether you’re a salaried professional managing monthly bills or someone who shops online often, the right card can help you save more and earn real rewards.
From low-fee options to cashback and UPI-enabled cards, there’s something for everyone.
Take a moment to compare, pick what suits your lifestyle, and start making your money work smarter.
💬 Got a favorite card or a question? Drop it in the comments – we’d love to hear from you!