Introduction

Ever wondered if your everyday spending could earn you rewards, cashback, or exclusive perks? The right credit card can do just that, turning routine expenses into valuable benefits. Whether you want a lifetime free card with no renewal fees or one packed with premium features, choosing wisely can unlock significant savings.

India’s top banks—HDFC, SBI, Axis, and IndusInd—offer a range of credit cards tailored to different lifestyles. From fuel and grocery shopping to dining and entertainment, there’s an option for everyone. To help you find the best fit, here’s a look at some of India’s top credit cards, along with their annual fees and standout features.

Top 10 Most Beneficial Credit Cards In India 2025

Rankings	Name of the Credit Card	Joining fees (In Rs.)	Renewal fees (In Rs.)
1	HDFC Diners Club Black Credit Card	10,000	10,000
2	Axis Bank Reserve Credit Card	50,000	50,000
3	Axis Atlas Credit Card	5,000	5,000
4	HDFC Regalia Gold Credit Card	2,500	2,500
5	YES Bank Paisabazaar PaisaSave Credit Card	0	499
6	Cashback SBI Card	999	999
7	American Express® Platinum Card	66,000	66,000
8	Axis Bank SELECT Credit Card	3,000	3,000
9	Tata Neu Infinity HDFC Credit Card	1,499	1,499
10	IndianOil RBL Bank XTRA Credit Card	1,500	1,500

1. HDFC Diners Club Black Credit Card

Key Features:

• Unlimited airport lounge access: Available for both primary and add-on cardholders.

• High rewards rate: 3.33%, earning 5 reward points per Rs. 150 spent.

• Boosted rewards: Up to 10X points on SmartBuy and 2X on weekend dining, with a redemption ratio of up to 1:1.

Exclusive Benefits:

• Premium memberships: Club Marriott, Forbes, Amazon, Swiggy One (3 months), and MMT BLACK on joining.

• Low forex markup fee: 2%, with renewal of complimentary memberships on Rs. 8 lakh annual spends.

• Monthly vouchers: Get any 2 worth Rs. 500 from Ola Cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends.

• Golf privileges: 6 complimentary games per calendar quarter.

2. Axis Bank Reserve Credit Card

Key Features:

• Unlimited domestic & international lounge access: Available via Priority Pass.

• Low forex markup fee: 1.5%, with 2X reward points on international spends.

• High reward earnings: Up to 30 EDGE reward points for every Rs. 200 spent.

Exclusive Benefits:

• BookMyShow B1G1 offer: Get up to 5 free tickets per month.

• Luxury hotel memberships: ITC Culinaire, Accor Plus, Club Marriott & EazyDiner Prime, plus offers on Postcard & Oberoi hotels.

• Golf privileges: 50 complimentary rounds per year across select courses in India.

3. Axis Atlas Credit Card

Key Features:

• Enhanced travel rewards: Earn 2.5X EDGE Miles on travel spends.

• International lounge access: Enjoy up to 12 visits per year.

Exclusive Benefits:

• Welcome bonus: Get 2,500 EDGE Miles as a welcome benefit.

• High reward earnings: Earn up to 5 EDGE Miles per Rs. 100 spent on travel.

• Reward redemption: Redeem EDGE Miles at a value of 1 EDGE Mile = 2 Partner Points.

• Milestone rewards: Earn up to 5,000 EDGE Miles on meeting spend targets.

• Domestic lounge access: Get up to 18 complimentary visits per year.

4. HDFC Regalia Gold Credit Card

Key Features:

• Boosted rewards: Earn 5X reward points on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.

• Retail spending rewards: Get 4 reward points per Rs. 150 spent across all retail purchases.

Exclusive Benefits:

• Premium memberships: Complimentary Swiggy One & MMT Black Elite memberships.

• Welcome gift: Receive a Rs. 2,500 voucher on payment of the joining fee.

• Airport lounge access: 6 complimentary international and 12 complimentary domestic lounge visits per year.

• Quarterly milestone rewards: Get Rs. 1,500 vouchers for Marks & Spencer, Reliance Digital, Myntra, or Marriott on Rs. 1.5 Lakh quarterly spends.

• Annual milestone reward: Earn flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh.

5. Yes Bank Paisabazaar PaisaSave Credit Card

Key Features:

• E-commerce cashback: Earn 3% Cashback Points on e-commerce spends, capped at 5,000 points per month.

• Unlimited cashback: Get 1.5% Cashback Points on all other spends, including UPI transactions.

Exclusive Benefits:

• Easy redemption: Cashback Points can be redeemed as statement credit in a 1:1 ratio with zero redemption fee.

• Additional online cashback: Continue earning 1.5% cashback on online spends after reaching the monthly cap.

• Annual fee waiver: Renewal fee waived on reaching Rs. 1.2 lakh in annual spends.

• Fuel savings: 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends between Rs. 500 and Rs. 3,000.

6. Cashback SBI Card

Key Features:

• 5% cashback on online spends: No merchant restrictions, up to Rs. 5,000 per month.

• 1% cashback on offline spends: Earn rewards on all in-store purchases.

Exclusive Benefits:

• Annual fee waiver: Spend Rs. 2 lakh in a year to get the renewal fee reversed.

• Fuel savings: 1% surcharge waiver, up to Rs. 100 per month.

7. American Express® Platinum Card

Key Features:

• Luxury vouchers: Earn up to Rs. 60,000 worth of vouchers from Taj, Reliance, or Postcard Hotels on spending Rs. 50,000 in the first 2 months.

• Lounge access: Complimentary access to multiple lounge programs.

Exclusive Benefits:

• Luxury hotel perks: Enjoy benefits worth Rs. 44,300 at premium hotels like Four Seasons, Mandarin Oriental, and The Ritz-Carlton.

• Elite hotel memberships: Access top-tier loyalty programs, including Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, and Radisson Rewards Gold.

• VIP experiences: Get invitations to exclusive events, pre-sale tickets, and premium seating for Fashion Week, the Grammy Awards, Wimbledon, and more.

• Dining privileges: EazyDiner Prime membership with up to 50% off at premium restaurants in India.

• Annual milestone rewards: Vouchers worth Rs. 35,000 from Taj Hotels, Reliance Brands Ltd., or Postcard Hotels on annual spends of Rs. 20 Lakh.

8. Axis Bank SELECT Credit Card

Key Features:

• Enhanced rewards: Earn 2X EDGE Reward Points on all retail transactions.

• Welcome bonus: Get 10,000 EDGE Reward Points worth Rs. 2,000.

Exclusive Benefits:

• Reward earnings: Earn 10 EDGE Reward Points on every Rs. 200 spent.

• BigBasket discount: Flat Rs. 500 off per month on a minimum spend of Rs. 3,000.

• Swiggy savings: Rs. 200 off twice a month on orders above Rs. 1,000.

• Airport lounge access: Up to 12 complimentary international visits per year & 2 domestic visits per quarter.

• Golf privileges: Enjoy up to 12 complimentary golf rounds annually.

9. Tata Neu Infinity HDFC Credit Card

Key Features:

• Higher rewards: Earn 5% NeuCoins on all non-EMI spends at Tata Neu & partner brands.

• Lounge access: Enjoy 8 domestic and 4 international Priority Pass lounge visits per year.

Exclusive Benefits:

• Welcome bonus: Get 1,499 NeuCoins after your first spend within 30 days of card issuance.

• Additional rewards: Earn 1.5% NeuCoins on UPI, non-Tata brand, and merchant EMI spends.

• Extra Tata Neu rewards: Get an additional 5% NeuCoins on select spends at the Tata Neu app/website.

• Forex savings: Benefit from a low forex markup fee of 2%.

10. IndianOil RBL Bank XTRA Credit Card

Key Features:

• Fuel savings: Get up to 8.5% savings on IOCL fuel spends.

• Quarterly bonus: Earn 1,000 Fuel Points on reaching Rs. 75,000 in quarterly spends.

Exclusive Benefits:

• Fuel rewards: Earn 15 Fuel Points per Rs. 100 spent on IOCL fuel (7.5% savings).

• Surcharge waiver: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.

• Additional rewards: Earn 2 Fuel Points per Rs. 100 on other spends (1 Fuel Point = Rs. 0.50 for IOCL fuel).

• Welcome bonus: Get 3,000 Fuel Points on your first spend of Rs. 500 within 30 days.

• Annual fee waiver: Spend Rs. 2.75 lakh in a year to get the renewal fee waived.

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Best Credit Card FAQs

1. What is the minimum credit score required for a credit card?

Most banks require a credit score of at least 750, but some may approve lower scores based on financial history.

2. What factors should you check before selecting a credit card?

Consider renewal fees, interest rates, and overall benefits to choose the right card for your needs.

3. Do all credit cards in India have renewal fees?

No, some credit cards, like the Amazon Pay ICICI Credit Card, come with zero renewal fees.

4. Which credit cards are best for salaried individuals?

HDFC Moneyback Plus and Axis Ace are among the top choices for salaried professionals.

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