Top 10 Best Credit Cards in India for Cashback & Rewards (2025 Edition)
Managing money smartly starts with the right credit card. Whether you want cashback, rewards, or travel perks, the right credit card can help you save big and earn more. In this guide, we’ll list the top 10 best credit cards in India for 2025, their benefits, charges, and who should use them.
Table of Contents
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What Makes a Good Credit Card?
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Top 10 Best Credit Cards in India 2025
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Best Credit Card for Students & Beginners
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How to Apply Online
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Tips to Improve Credit Score
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FAQs
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Disclaimer
What Makes a Good Credit Card?
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Cashback & Rewards
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Welcome Offers
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Partnerships with Amazon, Flipkart, etc.
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✈️ Travel Benefits
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Low Annual Fees / No Hidden Charges
Top 10 Best Credit Cards in India for 2025
| Credit Card | Best For | Annual Fee | Key Benefits |
|---|---|---|---|
| HDFC Millennia Credit Card | Cashback lovers | ₹1,000 | 5% on Amazon, Flipkart, Swiggy |
| SBI SimplyCLICK | Online shopping | ₹499 | 10X rewards on online spend |
| ICICI Amazon Pay Credit Card | Amazon users | ₹0 | 5% cashback on Amazon |
| Axis Bank Ace Credit Card | Google Pay users | ₹499 | 2%–5% cashback on all spends |
| Flipkart Axis Bank Card | Flipkart shoppers | ₹500 | 5% cashback on Flipkart, Myntra |
| HSBC Smart Value Card | Balance transfer | ₹0 (1st yr) | Dining & movie discounts |
| American Express SmartEarn | Brand shopping | ₹495 | 10X rewards on Uber, Flipkart |
| AU Bank LIT Card | Custom features | ₹0 (limited) | Personalize features monthly |
| IDFC FIRST Select | Low fees | ₹0 | Lounge access + no annual fee |
| IndusInd Legend Credit Card | Premium users | ₹3,000 | Fuel, golf, travel benefits |
Best Credit Card for Students or Freelancers
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ICICI Amazon Pay Credit Card – Zero annual fee, no income proof needed in many cases.
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IDFC FIRST Millennia – Lifetime free with digital rewards.
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SBI Unnati Card – No annual fee for first 4 years.
How to Apply for a Credit Card Online
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Visit the official bank website or a trusted marketplace like Paisabazaar or BankBazaar.
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Choose the right card based on your needs.
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Fill in basic details and upload KYC documents.
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Get a call or email for verification.
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If approved, the card is dispatched in 7–10 working days.
Tips to Improve Credit Score
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Pay your credit card bills before the due date.
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Keep credit utilization below 30%.
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Avoid applying for too many credit cards in a short time.
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Monitor your CIBIL score regularly.
Frequently Asked Questions
Q1. Which credit card is best for cashback in India?
Axis Bank Ace and HDFC Millennia are top choices for cashback.
Q2. Can a student get a credit card in India?
Yes, with a secured credit card or through low-income beginner cards like SBI Unnati.
Q3. What is the minimum salary to get a credit card?
Most banks require a monthly income of ₹15,000–₹25,000, depending on the card.
Disclaimer:
This article is for informational purposes only. Credit card offers and features may change over time. Please check with the official bank website before applying.
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Featured Image: Stack of colorful credit cards with Indian rupee background
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Infographics: Comparison chart of credit card features
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Icons: Cashback, travel, shopping bags, credit score meter