Are you looking for Best Credit Card in India. The number of credit cards in India has increased significantly. In 2025, about 44 million people were using credit cards, and this number will increase to 45.81 million by 2029, according to a report.
But how do you choose the right card for you from all these cards? I think you should choose a card based on your spending habits and needs. Here are some top credit cards that are best for different needs
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Choose your Best Credit Card From the List
SBI Cashback Credit Card: Best for online shopping and cashback:
- If you do a lot of online shopping like me, then SBI Cashback Credit Card is the best for you.
- It gives you 5% cashback on online spending and 1% cashback on offline spending. That means whenever you shop on Amazon, Flipkart, or Myntra, you will get cashback every time.
- The joining fee for this card is Rs 999 + tax, and if you spend Rs 2 lakh in a year, the renewal fee for the next year is waived.
- This card is especially good for new credit card users because it gets approved quickly.
HDFC Diners Club Black Credit Card: Best for Travel and Luxury
- If you love to travel and want a luxury lifestyle, then the HDFC Diners Club Black Credit Card is perfect.
- HDFC Diners Club card gives you unlimited domestic and international lounge access, which means you can sit in luxury lounges while waiting at the airport.
- Moreover, you get 5 reward points for every Rs 150 spent, and 10X reward points on SmartBuy. You can use these reward points for flight bookings, hotel bookings or shopping.
- The joining fee for this card is Rs 10,000 + tax, and the renewal fee is the same, but if you spend Rs 5 lakh in a year, the renewal fee is waived.
ICICI Bank Platinum Chip Credit Card: Best for everyday spending
- If you want a simple and beneficial card for everyday spending, then ICICI Bank Platinum Chip Credit Card is a good option.
- On this card, you get 2 reward points for every Rs 200 spent, and 1% surcharge waiver on fuel.
- ICICI Bank Platinum Chip Credit Card has no complicated terms, and it is very good for everyday spending – like groceries, dining or fuel.
- Moreover, this card can also be used for contactless payments, which means you don’t have to swipe the card, just tap and pay.
Airtel Axis Bank Credit Card: Best credit card for Fuel and Utility Bills
- If you are an Airtel user and spend a lot on fuel or utility bills, then Airtel Axis Bank Credit Card is a good option for you.
- With this card, you get 25% cashback on Airtel recharges, broadband or DTH bill payments (up to a maximum of Rs 250). Also, you get 10% cashback on utility bills, such as electricity bills, and spending on Swiggy, BigBasket, Zomato.
- There is also a 1% surcharge waiver on fuel, which is applicable on transactions between Rs 400 and Rs 4000.
- The joining fee of this card is Rs 500 + taxes, and I think, if you are an Airtel user, this card is very beneficial for you.
Axis Bank ACE Credit Card: Lifetime Free and Best for Beginners
- If you are a new credit card user and want a lifetime free card, then Axis Bank ACE Credit Card is the best.
- The joining fee of this card is Rs 499 + tax, but if you spend Rs 2 lakh in a year, then the next annual fee is waived. With this card, you get 5% cashback on utility bill payments on Google Pay, 4% cashback on Swiggy, Zomato, and Ola, and 2% cashback on other expenses.
- Axis Bank ACE Credit Card is good for beginners, as it has simple and beneficial offers, and you get the cashback benefit immediately.
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| Credit Card | Best For | Key Benefits | Joining Fee | Annual Fee Waiver Condition |
|---|---|---|---|---|
| SBI Cashback Credit Card | Online Shopping & Cashback | – 5% cashback on online spending- 1% cashback on offline spending | ₹999 + tax | Spend ₹2 lakh/year to waive renewal fee |
| HDFC Diners Club Black Credit Card | Travel & Luxury | – Unlimited domestic & international lounge access- 5 RP per ₹150- 10X RP on SmartBuy | ₹10,000 + tax | Spend ₹5 lakh/year to waive renewal fee |
| ICICI Platinum Chip Credit Card | Everyday Spending | – 2 RP per ₹200- 1% fuel surcharge waiver- Contactless tap & pay | No joining fee | No renewal fee |
| Airtel Axis Bank Credit Card | Fuel & Utility Bills | – 25% cashback on Airtel recharges (up to ₹250)- 10% cashback on utility bills, Swiggy, BigBasket, Zomato- 1% fuel surcharge waiver | ₹500 + tax | Not specified |
| Axis Bank ACE Credit Card | Beginners & Lifetime Free Option | – 5% cashback on utility bills via Google Pay- 4% cashback on Swiggy, Zomato, Ola- 2% cashback on other spends | ₹499 + tax (Refundable) | Spend ₹2 lakh/year to waive renewal fee |
What to keep in mind while choosing a credit card?
- Understand your spending habits: What do you spend the most on – online shopping, travel, fuel, or everyday necessities?
- Check Rewards and Cashback: Do you want reward points or cashback? prefer cashback because it is credited directly to your statement, and you can use it immediately.
- Check Fees and Charges: Some cards have high joining and annual fees. If you don’t spend a lot, choose a card with lifetime free, like the ICICI Platinum Chip Card.
- Check Credit Score: If you have a good credit score (above 750), you can get premium cards.
- Check Interest Rates: Credit cards have interest rates ranging from 23% to 49%. So, if you don’t pay your bill on time, you will have to pay a lot of interest.
How to use a credit card?
- Pay your bills on time: If you don’t pay your bills on time, you’ll end up paying a lot of interest, and your credit score will suffer.
- Don’t overspend: Don’t overspend just because you have a credit card. Spend only what you can afford to pay back.
- Take advantage of rewards and offers: Make the most of the offers and rewards available on your card.
What I Think!
I think credit cards are a great tool if you use them properly. For me, SBI Cashback Credit Card is the best, because I do a lot of online shopping. But if you want travel or luxury, then a card like HDFC Diners Club Black is good. And if you are a new user, then get a lifetime free card like ICICI Platinum Chip or Axis ACE. Choose the card according to your needs, and take advantage of it. If you have any more questions, do not hesitate to ask me. I will tell you in simple terms! Now choose a credit card according to your needs and spend smart!