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| Date | 7/3/2025 11:37:15 AM |
| Price | USD 226,021.00 |
Choosing the best credit cards in India can feel overwhelming in 2025. With so many features—cashback, travel perks, fuel surcharge waivers, airport lounge access, and reward points—it's hard to know which one truly fits your lifestyle. Whether you’re a frequent traveler hunting for the best travel credit card or a shopaholic looking for the best rewards credit card, this guide breaks down the top 10 credit cards in India for 2025 in simple terms.
How We Chose These Cards
We analyzed dozens of offerings based on:
Annual Fees & Joining Bonuses: Ensuring the value justifies the cost.
Reward Structures: From accelerated points to tiered cashback rates.
Lifestyle Perks: Lounge access, fuel savings, dining discounts, and more.
Beginner-Friendly Options: Cards with low or zero fees and easy reward-redemption.
Customer Feedback: Real user reviews to gauge satisfaction and service quality.
Our goal is to present the best credit cards 2025 that match diverse spending habits—be it dining, shopping, travel, or fuel.
Top 10 Credit Cards in India for 2025
A. Best Dining & Food Credit Card
1. Swiggy HDFC Credit Card
Ideal for food lovers who order from Swiggy frequently.
Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST
Rewards:
10% cashback on Swiggy food, Instamart, Dineout bookings
Complimentary 3-month Swiggy One membership
Why It’s Among the Best Credit Cards in India:
High cashback on dining and groceries
Great for users who already spend heavily on Swiggy
B. Best Shopping Credit Cards
2. HDFC Tata Neu Credit Card
Perfect for loyal Tata Neu users and frequent shoppers at Tata brands.
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
Welcome Bonus: 499 NeuCoins
Rewards:
2% NeuCoins on Tata purchases, 1% on non-Tata
Extra 5% NeuCoins on Tata Neu app/website
Special Perks:
Free domestic lounge access
Redeem NeuCoins on Tata, Westside, BigBasket, and Air India
3. HDFC Shoppers Stop Credit Card
Tailored for Shoppers Stop shoppers who want extra value.
Joining Fee: ₹299 + GST
Renewal Fee: ₹299 + GST
Welcome Benefit: ₹500 Shoppers Stop coupon + Silver Edge membership
Rewards:
3% value back on Shoppers Stop purchases
1% on other retail spends
4. SBI Simply Save Credit Card
A great best credit cards for beginners pick—low fee and simple rewards.
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
Welcome Benefit: 2,000 reward points (if minimum spends met)
Rewards:
10x points on movies and dining
1x point on other shopping categories
C. Best Travel Credit Cards
5. BPCL SBI Octane Credit Card
If you spend heavily on fuel, this is the best travel credit card for 2025.
Joining Fee: ₹1,499 + GST
Renewal Fee: ₹1,499 + GST
Welcome Bonus: 6,000 reward points (~₹1,500 value)
Rewards:
7.25% cashback (2.25% as fuel surcharge waiver + 5% as points) at BPCL stations
2 points per ₹100 on groceries, movies, and more
Travel Perks:
Complimentary domestic lounge access
6. IndusInd Bank Tiger Credit Card
A zero-fee contender among the best travel cards.
Joining Fee: Nil
Renewal Fee: Nil
Rewards:
6x reward points per ₹100 on movies and dining
1.5x points on other spends
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