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HDFC Bank
HDFC Millennia Credit Card
★4.5
shoppingAnnual Fee
₹1,000
Joining Fee
₹1,000
Reward Rate
Up to 5%
Key Benefits
- ✦5% CashBack on Amazon, Flipkart, Myntra
- ✦2.5% CashBack on all spends via PayZapp/SmartBuy
- ✦1% CashBack on all other spends
Best Credit Cards in India 2025
Our experts have curated the top credit cards across all categories — cashback, travel, shopping, fuel & premium.
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SBI Card
SBI Cashback Credit Card
★4.3
cashbackAnnual Fee
₹999
Joining Fee
₹999
Reward Rate
Up to 5%
Key Benefits
- ✦5% Cashback on all online spends
- ✦1% Cashback on all offline spends
- ✦No category restrictions on cashback
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ICICI Bank
Amazon Pay ICICI Credit Card
★4.7
shoppingAnnual Fee
FREE
Joining Fee
FREE
Reward Rate
Up to 5%
Key Benefits
- ✦5% back on Amazon for Prime members
- ✦3% back on Amazon for non-Prime members
- ✦2% back on 100+ Amazon Pay partner merchants
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HDFC Bank
HDFC Regalia Gold Credit Card
★4.4
travelAnnual Fee
₹2,500
Joining Fee
₹2,500
Reward Rate
4 Pts/₹150
Key Benefits
- ✦4 Reward Points per ₹150 spent
- ✦Complimentary airport lounge access (12 visits/yr)
- ✦10X rewards on SmartBuy portal
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Axis Bank
Axis Bank ACE Credit Card
★4.6
cashbackAnnual Fee
₹499
Joining Fee
₹499
Reward Rate
Up to 5%
Key Benefits
- ✦5% Cashback on bill payments & recharges (via GPay)
- ✦4% Cashback on Swiggy, Zomato, Ola
- ✦2% Cashback on all other spends
How We Choose the Best Credit Cards
We evaluate credit cards based on reward rates, annual fee, welcome bonus, category benefits, and real user experience. Our team updates this list monthly.
FAQ
Which is the #1 credit card in India?
Amazon Pay ICICI and HDFC Millennia consistently rank as top cards for online shoppers due to high cashback rates and zero/low annual fees.
Can I get a credit card with bad CIBIL score?
Some secured credit cards are available for lower CIBIL scores. However, most premium cards require a score of 750+.