Choosing a good credit card can improve your travel advantages, cashback, and incentives. The top credit cards in India for 2025 are listed below in a variety of fields so you can choose the one that best fits your needs.
| Credit Card | Joining Fee | Annual Fee | Key Benefits |
| HDFC Diners Club Black Credit Card | ₹10,000 | ₹10,000 | Unlimited airport lounge access, 3.33% rewards (5 pts per ₹150) |
| Axis Bank Reserve Credit Card | ₹50,000 | ₹50,000 | Unlimited lounge access, 2X rewards on international spends |
| Axis Atlas Credit Card | ₹5,000 | ₹5,000 | 2.5X EDGE Miles on travel spends, 12 international lounge visits |
| HDFC Regalia Gold Credit Card | ₹2,500 | ₹2,500 | 5X points on Nykaa, Myntra, M&S, Reliance Digital, 4 pts per ₹150 on retail |
| YES Bank Paisabazaar PaisaSave Credit Card | ₹0 | ₹499 | 3% cashback on ecommerce (max 5,000 pts/month), 1.5% on all other spends including UPI |
| Cashback SBI Card | ₹999 | ₹999 | 5% cashback on online spends, 1% cashback on offline spends |
| American Express Platinum Card | ₹66,000 | ₹66,000 | ₹60,000 vouchers on spending ₹50,000 in 2 months, lounge access |
| Axis Bank SELECT Credit Card | ₹3,000 | ₹3,000 | 2X EDGE Reward Points on all spends, 10,000 EDGE Points welcome benefit |
| Tata Neu Infinity HDFC Credit Card | ₹1,499 | ₹1,499 | 10% value-back on Tata Neu spends, 8 domestic & 4 international lounge visits |
| IndianOil RBL Bank XTRA Credit Card | ₹1,500 | ₹1,500 | 8.5% savings on IOCL fuel, 1,000 Fuel Points on ₹75,000 quarterly spends |
Best Credit Cards by Category
Best Cashback & Shopping Cards
- YES Bank Paisabazaar PaisaSave Credit Card – 3% cashback on online shopping
- Cashback SBI Card – 5% cashback on all online spends
- HDFC Millennia Credit Card – 5% cashback on Amazon, Flipkart, Myntra, Tata Cliq
- Amazon Pay ICICI Credit Card – 5% cashback for Prime members
- Tata Neu Infinity HDFC Credit Card – 5% value-back on Tata brands
Best Travel Credit Cards
- HDFC Diners Club Black Credit Card – Unlimited lounge access
- Axis Bank Reserve Credit Card – Low forex markup and 2X reward points on international spends
- Axis Atlas Credit Card – 2.5X EDGE Miles on travel spends
Best Premium Credit Cards
- American Express Platinum Card – High-end lifestyle benefits
- Axis Bank Reserve Credit Card – Exclusive luxury rewards
Best Fuel Credit Card
- IndianOil RBL Bank XTRA Credit Card – 8.5% savings on fuel
How to Choose the Right Credit Card?
Analyze Your Spending Habits – Choose a card that rewards your most frequent spending categories.
- Compare Benefits – Look for rewards, cashback, and travel perks that match your lifestyle.
- Check Annual Fees – Ensure the benefits outweigh the fees.
- Consider Redemption Flexibility – Opt for cards with easy reward redemption options.
Choosing the best credit card in India depends on your individual needs. Compare offers and maximize savings with the right card!
Best Domestic Travel Credit Cards in India 2025
Looking for the ideal credit card for domestic travel? Here are the top picks for 2025, based on travel benefits, rewards, and affordability.
Here’s a table summarizing the details of the credit cards for easy comparison:
Let me know if you’d like more details or help choosing the best card
Tips for Choosing the Right Credit Card
Look into your spending habits and choose the card that will reward you in your most frequently spent categories.
Benefits comparison; look for rewards, cashback, and travel perks that suit your lifestyle.
Annual Fee; make sure the benefits outweigh the fee.
A well-selected travel credit card enhances your journey with rewards, convenience, and exclusive privileges. Pick the one that suits your needs best!
Best Domestic Travel Credit Cards in India 2025
Looking for the ideal credit card for domestic travel? Here are the top picks for 2025, based on travel benefits, rewards, and affordability.
| Credit Card | Best For | Key Benefits | Annual Fee |
| HDFC Bank Regalia Credit Card | Premium domestic travel perks | Complimentary airport lounge access, travel concierge services, dining discounts | ₹2,500 (waived on high spends) |
| SBI Card Elite | Frequent domestic travelers | 6 complimentary lounge visits, travel vouchers, milestone rewards | ₹4,999 |
| Axis Bank Vistara Signature Card | Vistara airline loyalists | Free premium economy tickets, Vistara Club membership, priority check-in | ₹3,000 |
| American Express Platinum Travel | Reward points on domestic spending | Travel vouchers worth ₹29,500 on milestone spends, lounge access | ₹3,500 (1st year), ₹5,000 (renewal) |
| ICICI Bank Coral Credit Card | Budget-friendly travel benefits | 1 complimentary lounge visit per quarter, movie discounts, fuel surcharge waiver | ₹500 |
| IndusInd Bank Legend Credit Card | Luxury travel perks | Unlimited domestic lounge access, travel insurance, entertainment offers | ₹9,999 |
| Kotak White Reserve Credit Card | High-spending travelers | Travel credits, concierge services, complimentary lounge access | ₹12,500 |
| IDFC FIRST Wealth Credit Card | Lifetime free travel benefits | Unlimited domestic & international lounge access, low forex markup | No annual fee |
| RBL World Safari Credit Card | Zero forex markup on travel | Lounge access, forex fee waiver, milestone travel vouchers | ₹3,000 |
| YES First Preferred Credit Card | Balanced rewards & travel perks | 4 domestic lounge visits per quarter, golf privileges, fuel surcharge waiver | ₹2,499 |
How to Choose the Right Card?
- Match the benefits with your travel habits (airline loyalty, frequency, spending pattern).
- Reconcile annual fees with rewards like lounge access, free tickets, or cashback.
- Look for hotel discounts, fuel waivers, and milestone rewards as benefits.
The right travel credit card would make your travel rewarding, comfortable, and privileged. Choose the one that suits your needs the most!