Top 10 Credit Cards in India for 2025: Compare & Choose the Best

Top 10 Credit Cards in India: In India, there are many credit card options available. But choosing the best credit card for you is not as easy as it sounds, so we selected the best options for you to choose according to your requirements.

So let’s start to understand the basics of credit cards.

Credit cards are normally a plastic card that gives options to buy online or borrow money from your bank and you can pay it back to the Bank according to their payment cycles. Most people use credit cards to purchase and pay for fuel without paying extra interest.

In India, people are confused about which credit cards are best for them. Mostly, individuals who are salaried employees ask this question. There are many credit cards, but not every credit card is best for everyone. Every credit card comes with different offers and benefits.
Let’s start by examining the top 10 credit cards in India.

Top 10 Credit Cards in India

Here are the Top 10 credit cards in India-

Things To Keep In Mind Before Applying For A Credit Card

When you are applying for credit card in India, then there are few things to keep in mind and consider:

Credit Score

Credit score play important role in the approval of credit card. If you don’t have history of using of credit cards then you should apply for that credit card which is easier to get approval.

Fees

Check the fees of credit card before apply some credit card comes with annual fees that can be vary or some credit cards comes as zero fees mostly premium credit cards with higher annual fees But most of the cards give option of wavier off of fees if you crossed the limit which is decided by bank.

Interest Rates

Credit cards mostly comes with higher interest rates, so it’s important when you choose card for you. Interest rates depends on how long you have been using it and where you live in India.

Most of the credit cards comes with no fees or interest for the few months when you received your new credit card after that banks charge some interest on use of your cards. These interest rates vary from  0% to 27% it depends how long you’ve had the account and where you live in India. So check the details before applying.

Features To See Before Applying For The Top credit Card In India

When you applying for a new credit card in India, than you should do some research about card and their offers, features, fees. These can be help you to manage your finance.

1) How You Are Planning To Use Credit Card

It’s good to have credit card in India, But before applying for card you should think to how you plan to use this card. Credit card helps to increase your credit score and it built your good credit history. You can use credit card for any kind of purchase or use but you should know about the limits of use before applying for a card.

2) Annual Percentage rates (APRs)

Most important thing to notice annual percentage rates (APRs). These are interest rates that charged by the bank of your card and financial institutions which provides loan.

Interest rates will vary depending on many type of factors, it depends how much money you want to borrow and when will you repay this loan,.

3) Credit Limit

If you don’t have plan to use card regularly, then no need to worry about having high limit of credit card.

But if you have plan to do purchase on regular basis, then you should have high credit limit.

4)    Rewards Points

Most of the all credit card offers reward points on every transaction from that you can avail coupon codes and book items, So Before applying for a card check the offers of reward points.

5)    Penalties

Before applying credit card you should check about penalties for missing a payment. Most of the cards offer 45 days of grace period to repayment. So you should know about penalties if you missed repayment.

Top 10 Credit Cards in India 2025: Details And Comparison Of Cards

Below are some details of the top credit cards which you should keep in India. We have mentioned credit cards details and categorized it that will help you to choose best one.

Best Credit Cards For Salaried Person

Here we mentioned some of best options for salaried person

1. Standard Chartered Platinum Rewards Card

This is one of the Best card for salaried person either they are private job person or government job person. If you want to apply for this card then you should apply, there are no annual joining fees.

It comes with most of the best offers and this card is best for those people who is going to apply their first credit card.

This card also have option of up gradation of the card to Standard Chartered Manhattan Credit Card But up gradation depends on based of your usage and income.

Benefits of Standard Chartered Platinum Rewards Card

•         You’ll get 1000 reward points on your first transaction with card within 60 days.
•         5X rewards points when you spend Rs 150 on fuel and dining.
•         1X rewards points on other spend via card.
•         20% cashback on all Uber rides.
•         If you register for online banking fetches you’ll get extra 500 rewards points.
•         Many more discounts and offers on shopping, dining, travel and more.

2. Axis Bank Insta Easy Credit Card

You can get this card and this is best credit card in India, If you have a poor credit score you can get this one card just by doing fixed deposit with the bank. This is the best method to get credit card via fixed deposit.

Benefits of Axis Bank Insta Easy Credit Card

•         You’ll get 100 reward point with every online transaction
•         There is 2.5% wavier off on related to fuel transaction if it is in the price range of Rs. 400 – Rs. 4000
•         Joining fees is Rs. 500, which will be waived off if you spent Rs. 5000 within 45 days
•         If certain amount of rewards points collected then the user can redeem the points in the form of gifts

3. Citibank Cashback Credit Card

This credit card offers amazing discounts to the users in the form of cashbacks and discounts on every transaction. It is best card for salaried person because it saves a lot of money for the customer.

Benefits of Citibank Cashback Credit Card

•         It offers you to do payments of up to Rs. 2000 without entering the pin number.
•         There is 5% of cashback on utilities payments like telephone bills, electricity bills, movie tickets, etc.
•         These cashback points can reduce your liability of every month.

Best Credit Cards For Student 

Here are some of best options for students

1. ICICI Instant Platinum Card

This is the one of the best credit card for students, non-salaried persons and housewives who have low credit score.

If you are existing customer of ICICI bank then getting approval of credit card against fixed deposit is too easy.

Annual fee for this card is zero. One of the most important thing is that the approval rate is not good if you don’t have any fixed deposit in the bank.

Benefits of ICICI Instant Platinum Credit Card

•         You’ll get 2 PAYBACK points for every spent of Rs 100.
•         They have Culinary Treats program that offers minimum 15% of discount on dining at more than 800 restaurants.
•         You’ll get Rs 100 off on up to 2 movie tickets per month via booking of bookmyshow.com
•         If the minimum transaction of Rs 4000 spent on HPCL for fuels, then you can avail 2.5% fuel surcharge.
•         You’ll get interest on fixed deposit and this card have low-interest rate of @2.49% per month

2. SBI Student Plus Advantage Card

This card is amazing because this card is for those customers who have Education loan from SBI. But to get this card you need to have fixed deposit with the bank.

You can easily use this card in India, also you can use this card in foreign on more than 24 million outlets.

Benefits Of SBI Student Plus Advantage Credit Card

•         You’ll earn a reward point on every transaction above 100 Rs. And it can be use directly to paying your outstanding balance.
•         If you buy petrol from 500-3000 Rs. In India then you can avail waiver of 2.5% on fuel all petrol pumps.
•         You can earn 10X reward points by paying your utility bills by this card

ALSO READ: Top 10 Lifetime Free Credit Cards In India

Best Credit Cards For Online Purchase And Shopping

Here are some of best options if you do shopping and online purchase

1. Standard Chartered Manhattan Credit card

You have to pay Annual Fee of Rs 999, And it can be waived off.

It gives 5% cashback on expenses that related to groceries and this is the amazing point of this card. It is best card for salaried person who spent more than 1 Lakh Rs.

This card not covered all supermarket but most of the known supermarkets included like Big Bazaar, More, Spencers, etc. This card is best suited for those people who spent most of their money on buying groceries  and do online shopping, so this card is best and it will save more money.

Benefits Of Standard Chartered Manhattan Credit Card

•         You’ll get 5% cashback on the expenses made on supermarkets and store. You can avail cashback of maximum up to Rs 500 per month.
•         If you made any kind of expenses then you’ll get 3X reward points.
•         There are many discounts and offers on many lifestyle stores and hotels.
•         You can also enjoy 20% cashback on Uber rides.

2. SBI Simply Click Credit card

This is the best card for those who love online shopping and are salaried person.

If you have a salary account with SBI then it will be more easy to get approval of this card. And you can also get this card if you have good credit score.

This card comes with Rs 499 annual fees, Which will be waived off if you spent more then Rs 100000.

This card have many tie ups with online stores so it can be more useful for customers who love online shopping.  

Benefits Of Standard Chartered Manhattan Credit Card

•         You’ll get Rs.500 Amazon gift card free on joining.
•         You’ll get 10X reward points on online transaction with Amazon, Cleartrip, Lenskart, Bookmyshow and urban clap.
•         On spent on more shopping site you’ll earn 5x reward points.
•         Annual online spent of Rs 1 Lakh then you’ll receive e-voucher of Cleartrip worth Rs 2000.
•         You’ll get 1% fuel surcharge waived off for each fuel transaction between Rs 500 to Rs 3000

3. Citibank Cashback Credit card

This is best card if you book lot of movie tickets and spent on online.

There is a fees of Rs 500 that is charged annually if you apply for this card. To get this card you have to good credit history.

Benefits Of Standard Chartered Manhattan Credit Card

•         You’ll get 5% cashback on every movie tickets purchase
•         5% cashback on every payment of telephone
•         Also 5% cashback on utility bill payments
•         5% cashback on all other kind of spent
•         There is exclusive discounts and offers on dining and shopping

Best Credit Cards For Travel

Here are few best credit card if you do travel more

1. Indian Oil Titanium Citibank Credit card

This is one of the best credit card for those people who drive their car/bike more and love to drive and refills his car.

If you refill your vehicle through Indian Oil fuel stations in India then there is lot of benefits available with this card.

One of the best thing is this card don’t charge any annual fees, but if don’t spend more than Rs 30000 per annum then you will have to pay Rs 1000 as annual fee.

Benefits Of Indian Oil Titanium Citibank Credit Card

•         You’ll get 4 Turbo Points For spent of every Rs 150 on Indian oil fuel pumps. Here 1 Turbo point is equal to Rs 1
•         You’ll get 2 Turbo points on every Rs 150 spent on groceries and supermarket
•         There is 1 turbo point on shopping, dining, etc. for every Rs 150 spent
•         Full fuel surcharge will be waived off on the fuel purchase.

2. HDFC Platinum Plus Credit card

This is the another credit card which is like the Indian oil credit card from HDFC, By this card you can save a lot of money by redeeming the reward points if you spent on fuel.

This card comes with no annual fees and this card also comes with add-on facility and you can get additional 3 credit cards for your children, parents, spouses, etc.

Benefits Of HDFC Platinum Plus Credit Card

•         You’ll receive 2 reward points on every spent of Rs 150
•         There will be no liability on losing credit card if you report to bank within 24 hours
•         There is Fuel surcharge waiver of 2.5% on spent on fuel
•         You can avail up to 50 days of interest free from the date of purchase.

Challenges and Risks Associated with Credit Cards in India

In India there are many challenges and risks comes with Credit card. The major risk is credit card fraud by scammers. Which is common fraud in India. Scammers can be hack card and make online purchase or make  transactions by card to other accounts. This can be happen by cloning your card by the fake pos machine or if you don’t use two factor authentication.

In India you’ll be charges high interest if you don’t repay it on time, Interest rates will add up rapidly and a fee also can be add if you don’t pay on time.

Conclusion: Top 10 Credit Cards in India

These were the 10 best credit cards in India. The main reason to have credit card in India is you get 45 days to repay your amount and also it improves your credit score that can be help later to take loan. But before applying for card just search compare credit cards in India to find best credit card according to your need.

Disclaimer: This blog is intended for educational purposes only. The mentioned securities/investments are not recommendations.