Best Credit Cards in India in 2025: 10 Credit Cards Comparison

Looking for the best credit cards in India in 2025? There are many cards, each with its own set of benefits like cashback, travel benefits, fuel surcharge refunds, shopping, rewards, airport lounge access, and so on. Hence, choosing a credit card can be quite typical. 

To assist you in making an informed decision, we have brought the 10 credit cards comparison based on annual fees, reward structures, joining bonuses, and customer reviews. If you happen to travel mostly, shop frequently, or want to build good credit on the side, this article will guide you in choosing the credit card that fits your lifestyle and spending habits.

Top 10 Credit Cards in India

Below is the list of 10 credit cards suitable for buying in 2025, compiled under different heads on a category basis:

[A]. Best Dining | Food Credit Card In India

1. Swiggy HDFC Credit Card

Swiggy HDFC credit card is an excellent option for all customers who use Swiggy's decks frequently and spend a reasonable amount on the brand's platforms every month. 

Key Benefits & Features

• Joining Fee: 500 Rs. + GST

• Fee for Renewal: Rs. 500 + GST
  
  
• Type of Reward: Cashback

• Benefits of Signing Up: Free 3-Month Swiggy One Membership

• Movie & Dining: 10% cashback on movie and dining orders, Instamart, Dineout, and more through the Swiggy app.
  
  

Apply Online

Click to Instantly Apply for the Swiggy HDFC Credit Card

[B]. Best Shopping Credit Card In India

2. HDFC Tata Neu Credit Card

Value is returned to cardholders who use the HDFC Tata Neu Credit Card in the form of NeuCoins, which may be redeemed for products and services from Tata Neu as well as affiliated companies like Westside, BigBasket, and Air India. They can choose from a wider range of redemption alternatives with this Tata Neu HDFC credit card.

Key Benefits & Features

• Joining Fee- Rs. 499 + GST.
  
  
• Renewal Fee- Rs. 499 + GST.
  
  
• Welcome Bonus- 499 NeuCoins

• Rewards Rate- 2% and 1% reward, respectively, in the form of NeuCoins, for purchasing Tata and non-Tata brands. On the Tata Neu app or website, an extra 5% is returned as NeuCoins.

• Travel- Free entry to airport lounges inside the country.
  
  

Apply Online

Click to Instantly Apply for the HDFC Tata Neu Credit Card

 

3. HDFC Shoppers Stop Credit Card

A base version of the Shoppers Stop Black HDFC Bank Credit Card is the HDFC Shoppers Stop Credit Card. It offers 3% value back on Shoppers Stop purchases and 1% on other purchases, such as groceries and department store purchases, for an annual fee of Rs. 299.

Key Benefits & Features

• Joining Fee- Rs. 299 + GST.
  
  
• Renewal Fees- Rs. 299 + GST.
  
  
• Welcome Benefits- Include a Rs. 500 Shoppers Stop coupon and a complimentary Shoppers Stop Silver Edge membership.
  
  
• Rewards Rate- The reward rate is 3% for all Shoppers Stop purchases and 1% for non-Shoppers Stop purchases.
  
  

Apply Online

Click to Instantly Apply for the HDFC Shoppers Stop Credit Card

4. SBI Simply Save Credit Card

SBI Simply Save Credit Card is a fine credit card among entry-level credit cards with having annual fee of Rs. 499. Grocery, movie, and departmental store purchases will get you supercharged reward points, so this simply save SBI card is good if you're a newbie credit user who needs help. SBI cards are among the best credit cards in India because of low fees and customer trust.

Key Benefits & Features

Joining Charge- Rs. 499 + GST

Renewable Fee- Rs. 499 + GST

Welcome Benefits- 2000 Reward Points will be credited for the same amount spent in the first 60 days from the date of card issuance.

Shows & Dining- Get 10x Reward Points for every spend that you make for movies and dining.

Apply Online

Click to Instantly Apply for the SBI Simply Save Credit Card

 

[C]. Best Travel Credit Card In India

 

5. BPCL SBI Octane Credit Card

The BPCL SBI card has a higher cost, this SBI credit card type is better than the previous one because it offers more benefits. The BPCL SBI Octane Credit Card had an annual fee of Rs. 1,499, however, the alternative only cost Rs. 499 with less generous benefits. With many benefits and features, this card can be regarded as the best travel credit card.

Key Benefits And Features

• Joining Charge- Rs. 1499 + GST

• Renewal Charges- Rs. 1499 + GST

• Welcome Benefits- Get an added incentive of 6000 reward points worth Rs. 1500

• Reward System- Cash Back is 7.25% for every Rs. 100 spent at BPCL fuel stations, the rest of the poll costs in a reward point at the rate of 2 per Rs. 100 on other purchases. Shopping for groceries, department stores, and movie tickets- Rs. 100 spent gives you reward points.

• Travel- Get complimentary access to all domestic airport lounges.
  
  

Apply Online

Click to Instantly Apply for the BPCL SBI Octane Credit Card

6. IndusInd Bank Tiger Credit Card

It will most likely be well received by customers who see an appealing rewards program that lets your members earn up to 6x points on every Rs. 100 spent.

Something as icing on the cake is that the IndusInd Bank Tiger Credit Card is also free of charge and has no annual fee, so it is a solid choice. IndusInd Credit cards come with loads of benefits and features. This one is among the best travel cards available in 2025.

Key Benefits And Features

• No Membership Fee. Hence, this can be said as the best credit cards for beginners as it costs no membership fees.

• Renewal Fee- None

• Movie & Dining- Observe the charge of escalating reward factors you got awarded per cost, whilst you earn 6 accelerated reward factors for every Rs. 100 spent.
  
  
• Travel- Priority Pass- Granted, over 600 lounges in over 60 countries. 
  
  
  

Apply Online

Click to Instantly Apply for the IndusInd Bank Tiger Credit Card

7. LIC Signature Credit Card

In collaboration with Axis Bank, LIC offers the LIC Signature Credit Card. With this card, you can accrue reward points for both domestic and foreign transactions. Along with retail privileges, this Axis LIC signature credit card also offers travel and insurance benefits. 

With this LIC card, one receives 2 reward points for every Rs. 100 spent on overseas purchases and LIC premium payments, and one reward point for every Rs. 100 spent on other transactions.

If you don't want to pay the joining charges, then this LIC card is among the best credit cards in India 

Key Benefits And Features

• No joining fee

• No renewal fee

• Travel: two free lounge passes every three months

• Domestic Lounge Access: Every three months, two complimentary domestic lounge visits are provided.

• Access to the International Lounge: NA

Apply Online

Click to Instantly Apply for the LIC Signature Credit Card

[D]. Fuel Savings Credit Card In India

8. IndianOil Credit Card 

IndianOil Credit Card is a very easy-to-use but rewarding fuel credit card. Good for fuel, not so many features and benefits, but the real direct rewards on fuel spent through IndianOil outlets. 

Key Benefits And Features

• Joining Fee- Rs. 1,500 + GST
  
  
• Renewal Fee- Rs. 1,500 + GST
  
  
• Welcome Benefits- 3,000 Fuel Points
  
  
• Rewards Rate- 2 fuel points for every 100 Rs. spent for every 100 rupees on other qualified purchases, and 15 fuel points. spent at Indian Oil stations.
  
  
• Reward redemption- 1 fuel point = Rs. 0.50 at IndianOil stores.
  
  

Apply Online

Click to Instantly Apply for the IndianOil Credit Card

9. IDFC First Power Plus Credit Card

IDFC first power plus credit card offers a huge annual savings of Rs. 18,500, which is almost 175+ liters of fuel saved, i.e., you will be getting fuel free. Besides saving at HPCL, there are many benefits of the card, like welcome gifts worth Rs. 1,650.

Key Benefits And Features

• Joining Fee- Rs. 499 + GST
  
  
• Renewal Fee- Rs. 499 + GST
  
  
• Welcome Benefits- First fuel transaction with first HPCL fuel over Rs. 500 and receive up to Rs. 500 cash back, 5% cashback (up to a max of 1000) on total EMI transaction value for the first transaction of Grocery.

• Movie & Dining- 25% off movie tickets once per month up to Rs. 100/month.

• Rewards Rate- 30x Reward Points on HPCL Fuel up to 2,400. You can receive rewards of up to Rs. 5% on IDFC FIRST FASTag recharges (up to a maximum of Rs. 1,000 per month) and up to Rs. 5% on groceries and utilities bills, and 3x reward on all other retail transactions. Based on its rewards in the fuel category, this one can be regarded as the best rewards credit card.
  
  

Apply Online

Click to Instantly Apply for the IDFC First Power Plus Credit Card

 

[E]. Best Movies | Travel | Shop Credit Card In India

10. IDFC First SWYP Credit Card

IDFC First SWYP Credit Card is an out-of-the-box offering that provides an extensive list of perks, including reward points and discounts on popular brands like Tata CLiQ, Zomato, Sugar, Zepto, Nykaa, Dominos, etc. This card is among the best credit cards in India as it is suitable for movie lovers, frequent travellers, and shoppers.

Key Benefits And Features

• Joining Fee- Rs. 499 + GST

• Renewal Fee- Rs. 499 + GST.

• Welcome Benefits- First EMI Transaction Rs. 1000 RPs, 1 Year Lenskart Gold Membership, and 2k Reward Points from Rs. 5,000.

• Movie & Dining- Get 25% Off on Movie Tickets with District By Zomato

• Reward Redemption- Get your reward at IDFC First Rewards Points-Rewards Facility. Also available facility to pay with points, 1 RP is Rs. 0.25

• Travel- 4 free railway lounges quarter.

 

Apply Online

Click to Instantly Apply for the IDFC First SWYP Credit Card

Conclusion

Selecting the best credit cards in India is never all about fees, it takes into consideration how your selected card will fit into your life and spending. Foodies, travelers, or shopaholics/fuel savers here - well, the credit card exists for you too.

Get the most savings if you are a foodie with the Swiggy HDFC Credit Card.

HDFC Tata Neu, Shoppers Stop, and SBI Simply Save offer good cash back/rewards for frequent shoppers.

Based on the fact that you will love lounge access and reward points with LIC Signature, BPCL SBI Octane, or IndusInd Tiger Credit Card, if you are a traveller and frequently use it.

IndianOil Credit Card offers huge savings on fuel for daily commuters, IDFC First Power Plus

For those seeking entertainment and lifestyle spend, use the IDFC First SWYP Credit Card with weekly movies, dining, and online shopping top offers.

With this 10-card comparison, you can now get the best credit cards in India in 2025 for your 2025 goals (be it rewards, cashback, or travel perks) and a strong credit profile.

 

Disclaimer: No buy or sell, or investment advice is given. Information is valid at the time of writing this content only (as of 04 June 2025) and might change in the future without any prior update. Discuss with your eligible financial advisor, or concerned credit card company, or banks for details before buying. The author or the company (Finowings) shall not be responsible for any loss.