Which is the best credit card in India for 2025?

The SBI Cashback Credit Card, HDFC Millennia, and Axis Bank ACE Credit Card are among the top picks for 2025 due to their excellent cashback and reward programs.

Which credit card gives the highest cashback in India?

The SBI Cashback Credit Card and Axis Bank ACE Credit Card offer some of the highest cashback rates, up to 5% on specific spending categories.

Which credit card is best for beginners?

The IDFC FIRST WOW and SBI SimplyCLICK Credit Cards are great for beginners because they have low or no annual fees and simple reward structures.

Which credit card is best for travel and lounge access?

The HDFC Diners Club Metal Edition, Axis Bank Reserve, and Club Vistara IDFC FIRST Credit Cards provide airport lounge access and travel benefits.

How do I choose Which bank offers the best lifetime free credit cards?the right credit card for myself?

Choose a credit card based on your spending habits. For example, pick cashback cards for daily use, travel cards if you fly often, or lifestyle cards for premium privileges.

Which bank offers the best lifetime free credit cards?

IDFC FIRST Bank offers lifetime free cards such as the IDFC FIRST Classic and Select variants. SBI and Axis also run occasional lifetime-free promotions.

Which credit card has the lowest joining or annual fee?

The IDFC FIRST WOW and Amazon Pay ICICI Credit Cards come with zero joining and annual fees while still offering attractive rewards.

Are credit cards with annual fees worth it?

Yes, if the benefits outweigh the cost. Premium cards like HDFC Infinia Metal or American Express Platinum offer travel, lounge, and lifestyle benefits that can exceed the annual fee value.

Which is the best credit card for online shopping?

The SBI SimplyCLICK, Amazon Pay ICICI, and Tata Neu Infinity HDFC Credit Cards are perfect for frequent online shoppers due to high e-commerce reward points.

Can I have multiple credit cards?

Yes, you can hold multiple credit cards, but it’s important to manage them responsibly and pay all bills on time to maintain a good credit score.

Best Credit Cards in India 2025: Top Cashback, Rewards, Lifestyle & Travel Credit Cards Compared

Compare the best credit cards in India for 2025 including SBI Cashback, Tata Neu Infinity, American Express, HDFC, Axis, and IDFC FIRST Bank cards. Find top choices for cashback, rewards, lifestyle, and travel benefits with detailed specs, joining fees, and ratings.

Modern Credit Card Design — Best Credit Cards in India 2025: Top Cashback, Rewards, Lifestyle & Travel Credit Cards Compared

SBI Cashback

4.8 / 5

(Gadgetspix Ratings)

4.8/5

Gadgetspix

SBI Cashback Credit Card Quick Specifications
Specification	Value
Best For	Cashback
Reward Rate	1% to 5%
Joining Fee	₹999
Annual Fee	₹999
Annual PercentageRate	Rate

Tata Neu Infinity HDFC Bank

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

Tata Neu Infinity HDFC Bank Credit Card Quick Specifications
Specification	Value
Best For	Reward Points
Reward Rate	1% to 5%
Joining Fee	₹ 1,499
Annual Fee	₹ 1,499
Annual PercentageRate	Rate

American Express SmartEarn

4.5 / 5

(Gadgetspix Ratings)

4.5/5

Gadgetspix

American Express SmartEarn Credit Card Quick Specifications
Specification	Value
Best For	Rewards
Reward Rate	1% to 10%
Joining Fee	₹495
Annual Fee	₹495
Annual PercentageRate	Rate

HDFC Diners Club Metal Edition

4.5 / 5

(Gadgetspix Ratings)

4.5/5

Gadgetspix

HDFC Diners Club Metal Edition Credit Card Quick Specifications
Specification	Value
Best For	Reward Points
Reward Rate	3.3% to 33%
Joining Fee	₹10,000
Annual Fee	₹10,000
Annual PercentageRate	Rate

Axis Bank MyZone

4.5 / 5

(Gadgetspix Ratings)

4.5/5

Gadgetspix

Axis Bank MyZone Credit Card Quick Specifications
Specification	Value
Best For	Lifestyle
Reward Rate	0.4%
Joining Fee	₹500
Annual Fee	₹500
Annual PercentageRate	Rate

Club Vistara IDFC FIRST Bank

4.8 / 5

(Gadgetspix Ratings)

4.8/5

Gadgetspix

Club Vistara IDFC FIRST Bank Credit Card Quick Specifications
Specification	Value
Best For	Travel
Reward Rate	0.8% to 4%
Joining Fee	₹4,999
Annual Fee	₹4,999
Annual PercentageRate	Rate

IDFC FIRST Bank Select

4.8 / 5

(Gadgetspix Ratings)

4.8/5

Gadgetspix

IDFC FIRST Bank Select Credit Card Quick Specifications
Specification	Value
Best For	Lifestyle
Reward Rate	0.2% to 1.6%
Joining Fee	Free
Annual Fee	Free
Annual PercentageRate	Rate

SBI SimplyCLICK

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

SBI SimplyCLICK Credit Card Quick Specifications
Specification	Value
Best For	Rewards
Reward Rate	0.25% to 2.5%
Joining Fee	₹499
Annual Fee	₹499
Annual PercentageRate	Rate

IDFC FIRST Bank Wow

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

IDFC FIRST Bank Wow Credit Card Quick Specifications
Specification	Value
Best For	Students
Reward Rate	0.67%
Joining Fee	Free
Annual Fee	Free
Annual PercentageRate	Rate

Amazon Pay ICICI Bank

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

Amazon Pay ICICI Bank Credit Card Quick Specifications
Specification	Value
Best For	Cashback
Reward Rate	1% to 5%
Joining Fee	Free
Annual Fee	Free
Annual PercentageRate	Rate

HDFC Bank Infinia Metal Edition

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

HDFC Bank Infinia Metal Edition Credit Card Quick Specifications
Specification	Value
Best For	Travel
Reward Rate	3.3% to 33%
Joining Fee	₹12,500
Annual Fee	₹12,500
Annual PercentageRate	Rate

Axis Bank Reserve

4.7 / 5

(Gadgetspix Ratings)

4.7/5

Gadgetspix

Axis Bank Reserve Credit Card Quick Specifications
Specification	Value
Best For	Lifestyle
Reward Rate	1.5% to 3%
Joining Fee	₹ 50,000
Annual Fee	₹ 50,000
Annual PercentageRate	Rate

SBI SimplySAVE

4.6 / 5

(Gadgetspix Ratings)

4.6/5

Gadgetspix

SBI SimplySAVE Credit Card Quick Specifications
Specification	Value
Best For	Shopping
Reward Rate	0.7% to 1.7%
Joining Fee	₹499
Annual Fee	₹499
Annual PercentageRate	Rate

Axis Bank Ace

4.6 / 5

(Gadgetspix Ratings)

4.6/5

Gadgetspix

Axis Bank Ace Credit Card Quick Specifications
Specification	Value
Best For	Cashback
Reward Rate	2% to 5%
Joining Fee	₹499
Annual Fee	₹499
Annual PercentageRate	Rate

American Express Platinum

4.6 / 5

(Gadgetspix Ratings)

4.6/5

Gadgetspix

American Express Platinum Credit Card Quick Specifications
Specification	Value
Best For	Lifestyle
Reward Rate	1.25% to 2.5%
Joining Fee	₹60,000
Annual Fee	₹60,000
Annual PercentageRate	Rate

FAQs

Which is the best credit card in India for 2025?Toggle
- The SBI Cashback Credit Card, HDFC Millennia, and Axis Bank ACE Credit Card are among the top picks for 2025 due to their excellent cashback and reward programs.
Which credit card gives the highest cashback in India?Toggle
- The SBI Cashback Credit Card and Axis Bank ACE Credit Card offer some of the highest cashback rates, up to 5% on specific spending categories.
Which credit card is best for beginners?Toggle
- The IDFC FIRST WOW and SBI SimplyCLICK Credit Cards are great for beginners because they have low or no annual fees and simple reward structures.
Which credit card is best for travel and lounge access?Toggle
- The HDFC Diners Club Metal Edition, Axis Bank Reserve, and Club Vistara IDFC FIRST Credit Cards provide airport lounge access and travel benefits.
How do I choose Which bank offers the best lifetime free credit cards?the right credit card for myself?Toggle
- Choose a credit card based on your spending habits. For example, pick cashback cards for daily use, travel cards if you fly often, or lifestyle cards for premium privileges.
Which bank offers the best lifetime free credit cards?Toggle
- IDFC FIRST Bank offers lifetime free cards such as the IDFC FIRST Classic and Select variants. SBI and Axis also run occasional lifetime-free promotions.
Which credit card has the lowest joining or annual fee?Toggle
- The IDFC FIRST WOW and Amazon Pay ICICI Credit Cards come with zero joining and annual fees while still offering attractive rewards.
Are credit cards with annual fees worth it?Toggle
- Yes, if the benefits outweigh the cost. Premium cards like HDFC Infinia Metal or American Express Platinum offer travel, lounge, and lifestyle benefits that can exceed the annual fee value.
Which is the best credit card for online shopping?Toggle
- The SBI SimplyCLICK, Amazon Pay ICICI, and Tata Neu Infinity HDFC Credit Cards are perfect for frequent online shoppers due to high e-commerce reward points.
Can I have multiple credit cards?Toggle
- Yes, you can hold multiple credit cards, but it’s important to manage them responsibly and pay all bills on time to maintain a good credit score.

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About the Author

Ashish kumar

Ashish Kumar is the creative mind behind The Fox Daily, where technology, innovation, and storytelling meet. A passionate developer and web strategist, Ashish began exploring the web when blogs were hand-coded, and CSS hacks were a rite of passage. Over the years, he has evolved into a full-stack thinker—crafting themes, optimizing WordPress experiences, and building platforms that blend utility with design. With a strong footing in both front-end flair and back-end logic, Ashish enjoys diving into complex problems—from custom plugin development to AI-enhanced content experiences. He is currently focused on building a modern digital media ecosystem through The Fox Daily, a platform dedicated to tech trends, digital culture, and web innovation. Ashish refuses to stick to the mainstream—often found experimenting with emerging technologies, building in-house tools, and spotlighting underrepresented tech niches. Whether it's creating a smarter search experience or integrating push notifications from scratch, Ashish builds not just for today, but for the evolving web of tomorrow.

Best Credit Cards in India 2025: Top Cashback, Rewards, Lifestyle & Travel Credit Cards Compared

Compare the best credit cards in India for 2025 including SBI Cashback, Tata Neu Infinity, American Express, HDFC, Axis, and IDFC FIRST Bank cards. Find top choices for cashback, rewards, lifestyle, and travel benefits with detailed specs, joining fees, and ratings.

SBI Cashback

Tata Neu Infinity HDFC Bank

American Express SmartEarn

HDFC Diners Club Metal Edition

Axis Bank MyZone

Club Vistara IDFC FIRST Bank

IDFC FIRST Bank Select

SBI SimplyCLICK

IDFC FIRST Bank Wow

Amazon Pay ICICI Bank

HDFC Bank Infinia Metal Edition

Axis Bank Reserve

SBI SimplySAVE

Axis Bank Ace

American Express Platinum

FAQs

COMMENTS 0

About the Author

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