Finding the right credit card can be challenging. We’re all looking for the perfect credit card that offers high rewards, cashback, discounts on purchases from top brands, and complimentary benefits like access to airport lounges, railway lounges, and golf rounds/lessons. Most of us want to enjoy these credit card benefits without any fees. This seems like an unrealistic expectation, as no credit card company can afford to offer such a great credit card without any fees.
Instead, credit card companies find it more appropriate to offer credit cards with different categories of benefits to suit their customers’ different spending habits. Since everyone’s preferences, needs, and spending patterns vary, no bank offers a single credit card that can be considered the best for all customers.
Therefore, to meet the needs of all categories of individuals, we’ve compiled a list of the best credit cards available in the Indian market. Here are the top 20 credit cards best suited for different types of spending, whether you’re looking for a budget card or a premium card, a lifetime free card or a card with moderate fees, or a card for online shopping or your daily fuel needs.
When it comes to credit cards in India, we’ve included only the best and top credit cards in our list. If you’re looking to apply for a new credit card or you’re unsure about which one to get, reviewing our list of credit cards will give you a better idea of which one is best for you.
List of the 20 Best Credit Cards in India in 2025
Before applying for a new credit card, you should consider the benefits it offers. Do you want to create a credit card to save on your daily expenses, or as a traveler, do you want to earn additional airmiles and enhance your travel experience with complimentary airport lounge access?
It’s important to have clear answers to all these questions, because as we mentioned earlier, different categories of credit cards are designed to meet different customer needs.
If you’re looking for a new, value-for-money credit card, reading this list will help you choose the one that best suits your needs.
