Best Credit Cards in India for 2025: Top Picks for Shopping, Dining, Groceries, Entertainment, Travel, & Daily Use

Which Credit Card is for you?

Navigating the world of credit cards in India can be daunting, with countless options promising rewards, cashback, and exclusive perks. This blog analysis the Indian credit card market for the best credit cards for 2025 tailored to your lifestyle—whether you’re searching for the best credit cards for online shopping, top dining credit cards, or travel rewards cards in India.

Each section includes an interactive quiz to help you find the perfect card based on your spending habits.

💳 “A credit card isn’t just plastic, it’s your ticket to smarter savings.”

Best Credit Cards to Maximize Rewards on Retail and Online Purchases

For those seeking the best credit cards for online shopping in India or top retail credit cards, these cards offer high cashback and rewards on e-commerce platforms like Amazon, Flipkart, and Myntra, perfect for 2025’s digital shoppers.

Topics:

• Best Credit Card for Shopping

• Best Credit Card for Dinning

• Best Credit Card for Entertainment

• Best Credit Card for Groceries

• Best Credit Card for Travel [Domestic & International]

• Best Credit Card for Daily use

• Bonus: Fun Quiz - Play at the End

These recommendations, grounded in reward rates, annual fees, & value, focus on the Indian market, factoring in popular platforms like Swiggy, Amazon, and MakeMyTrip. Always check your credit score, compare fees, & read terms before applying. Let’s find your ideal card!

🛍️ “Shopping smart isn’t about spending less—it’s about earning more rewards.”

Best Credit Cards for Shopping

Quiz: Find Your Card

Find Your Best Shopping Credit Card: Save on shopping & Earn points Answer these questions (Points: A=1, B=2, C=3):

1. Where do you shop most?

    A: Amazon, Flipkart, or similar.

    B: Mix of online and offline retail.

    C: Specific brands like Myntra or Nykaa.

2. Rewards preference?

    A: Cashback.

    B: Flexible reward points.

    C: Brand-specific discounts.

3. Annual fee tolerance?

    A: None or low.

    B: ₹500-1,000.

    C: Higher for premium perks.

   Score 3-5: ICICI Amazon Pay Credit Card – Ideal for Amazon loyalists.

   Score 6-7: Axis Bank Flipkart Credit Card – Balanced for online shoppers.

   Score 8-9: HDFC Millennia Credit Card – Broad online rewards.

Top 5 Shopping Credit Cards

1. ICICI Amazon Pay Credit Card – 5% cashback for Amazon Prime members, 3% for non-Prime on Amazon.in, 2% on Amazon Pay partners. Lifetime free. Perfect for Amazon shoppers.

2. Axis Bank Flipkart Credit Card – 5% cashback on Flipkart, 4% on partner merchants, 1.5% elsewhere. ₹500 annual fee (waived on ₹2 lakh spend). Great for e-commerce.

3. HDFC Millennia Credit Card – 5% cashback on Amazon, Flipkart, Swiggy, and BookMyShow (up to ₹1,000/month), 1% elsewhere. ₹1,000 annual fee (waived on ₹1 lakh spend).

4. SBI SimplyCLICK Credit Card – 10x reward points on Amazon, BookMyShow, and select partners, 5x on other online spends. ₹499 annual fee (waived on ₹1 lakh spend).

5. HDFC Swiggy Credit Card – 10% cashback on Swiggy, 5% on online spends like Amazon/Flipkart. ₹500 annual fee (waived on ₹2 lakh spend).

Extra Choices:

ICICI Platinum Chip Credit Card – Entry-level, great for everyday online/offline shopping.

HSBC Platinum Credit Card- 2 rewards points on every 150 spent, 5x reward points on Milestone spends. Activate and get Rs.100 Amazon voucher, 15% off on MMT, EazyDiner, other Croma offers.

IDFC First WOW Credit Card- lifetime free-Activate and earn Rs.350 without credit history. 50% off on BookMyShow, 10% instant discount on Myntra, Flipkart, Ajio, Tata Cliq. 10%-20% off on travel deals.

IndusInd Platinum Aura Edge Credit Card- Earn flat 1500 on activation, 4X savings points(rewards) on every purchase. 10% off on boAt site, 15% off on Lifestyle(spend 2000) & other offers from Titan, Swiggy, PVR, & more.

🍴 “Dining feels better when your credit card picks up the discount.”

Best Credit Cards for Food

Best Credit Cards for Dining Out in India 2025: Earn Big on Restaurants and Food Delivery:For foodies looking for the best dining credit cards in India or top restaurant cashback cards, these cards offer rewards on dining, Swiggy, Zomato, and premium memberships like EazyDiner.

Find Your Best Dining Credit Card Points (A=1, B=2, C=3):

1. Dining habits?

    A: Mostly food delivery (Swiggy/Zomato).

    B: Restaurants and cafes.

    C: High-end dining with travel perks.

2. Rewards goal?

    A: Cashback.

    B: Reward points.

    C: Premium memberships/credits.

3. Annual fee?

    A: None or low.

    B: ₹500-2,000.

    C: Higher for luxury.

   Score 3-5: HSBC Live+ Credit Card – Cashback-focused.

   Score 6-7: Axis Bank My Zone Credit Card – Affordable points.

   Score 8-9: HDFC Diners Club Privilege – Premium dining perks.

Top 5 Dining Credit Cards

1. HDFC Swiggy Credit Card – 10% cashback on Swiggy (food, Instamart, Dineout), up to ₹1,500/month. ₹500 annual fee (waived on ₹2 lakh spend).

2. HSBC Live+ Credit Card – 10% cashback on dining, groceries, food delivery (up to ₹1,200/year). ₹999 annual fee (waived on ₹2 lakh spend).

3. EazyDiner IndusInd Bank Credit Card – Up to 50% off via EazyDiner Prime, 10 reward points/₹100 on dining. ₹1,999 annual fee.

4. Axis Bank My Zone Credit Card – Up to ₹240/month off on Swiggy food delivery, 4 reward points/₹200 on dining. Lifetime free.

5. HDFC Diners Club Privilege – 20% off via Swiggy Dineout, EazyDiner Prime membership, 10x points on SmartBuy. ₹2,500 annual fee.

Extra Choices:

SBI Card ELITE – Free memberships + dining discounts across premium outlets.

Kotak Essentia Platinum Credit Card – Savings on groceries + dining combos.

🎬 “Why pay full price? Your credit card loves entertainment as much as you do.”

Best Credit Cards for Entertainment

Best Credit Cards for Entertainment in India 2025: Rewards for Movies, Streaming, and Events:For the best entertainment credit cards in India or top cards for movies and OTT, these offer cashback on BookMyShow, streaming platforms, and event tickets, catering to 2025’s digital entertainment surge.

Find Your Best Entertainment Credit Card Points (A=1, B=2, C=3):

1. Entertainment type?

    A: OTT subscriptions.

    B: Movies via BookMyShow.

    C: Concerts and premium events.

2. Rewards goal?

    A: Cashback.

    B: Flexible points.

    C: Buy-one-get-one offers.

3. Fee preference?

    A: None.

    B: Low.

    C: Higher for perks.

   Score 3-5: Axis Bank My Zone – Affordable movie perks.

   Score 6-7: SBI SimplyCLICK – Online entertainment.

   Score 8-9: HDFC Diners Club Privilege – Premium benefits.

Top 5 Entertainment Credit Cards

1. Axis Bank My Zone Credit Card – Buy-one-get-one on BookMyShow (up to ₹250/ticket, 2 tickets/month), 4 points/₹200 on movies. Lifetime free.

2. HDFC Millennia Credit Card – 5% cashback on BookMyShow, 1% on EMI/wallet reloads. ₹1,000 annual fee (waived on ₹1 lakh spend).

3. SBI SimplyCLICK Credit Card – 10x points on BookMyShow, 5x on online spends. ₹499 annual fee (waived on ₹1 lakh spend).

4. IndusInd EasyDiner Credit Card – Earn upto 10 Reward Points on every Rs 100 spent on Dining, Shopping & Entertainment with EazyDiner Cards & 2 Complimentary BookMyShow tickets worth Rs 200 each every month.

5. PVR INOX Kotak Credit Card – 10% cashback on PVR INOX tickets, 5% on food/beverage. ₹1,500 annual fee. Best for movie buffs.

Extra Choices:

ICICI Coral Credit Card – Buy 1 Get 1 Movie on BookMyShow.

RBL Cookie Credit Card – Cashback on entertainment spends.

HDFC MoneyBack+ Credit Card – Great for OTT + online subscriptions.

🛒 “Every purchase is smarter with cashback, points, and perks.”

Best Credit Cards for Grocery Shopping

Best Credit Cards for Groceries in India 2025: High Cashback on Supermarket Spends:For the best grocery credit cards in India or top supermarket rewards cards, these offer high rewards at supermarkets, BigBasket, and local stores, tackling rising food costs in 2025.

Find Your Best Grocery Credit Card Points (A=1, B=2, C=3):

1. Grocery spend?

    A: Under ₹5,000/month.

    B: ₹5,000-10,000.

    C: Over ₹10,000.

2. Other perks?

    A: Cashback only.

    B: Points for travel.

    C: Dining/travel bonuses.

3. Fee?

    A: None.

    B: Low.

    C: Higher.

   Score 3-5: HSBC Live+ – Simple cashback.

   Score 6-7: Axis Bank Flipkart – Online grocery focus.

   Score 8-9: HDFC Regalia Gold – High spenders.

Top 5 Grocery Credit Cards

1. Tata neu HDFC Bank Credit Card- You get upto 10% savings on Tata NeuCoins for all Tata Brands like Air Asia, BigBasket, Tata 1MG, Tata Cliq, Westside, Titan, Tanishq, etc. Applicable for transactions done by Tata neu app or website.

2. HDFC Swiggy Credit Card – 10% cashback on BigBasket, Swiggy Instamart (up to ₹1,500/month). ₹500 annual fee.

3. Axis Bank Flipkart Credit Card – 5% cashback on Flipkart (including groceries), 4% on BigBasket. ₹500 annual fee.

4. SBI Simply Save Credit Card- Enjoy 10 Reward Points per Rs.150 spent on Dining, Movies, Departmental Stores, Grocery, & 10% instsnat discount on big sale.

5. SBI Card Elite – 10 points/₹100 on groceries, departmental stores. ₹4,999 annual fee.

Extra Choices:

Axis Bank Ace Credit Card – 4% cashback on Google Pay groceries.

RBL Bank ShopRite Credit Card – Earn 20 Reward Point on every 100 spent on Grocery shopping & amazing discounts on swiggy, zomato, Tata Cliq, & more.

SBI SimplySAVE Credit Card – 10X reward points on groceries & departmental stores.

Kotak Essentia Platinum – Up to 10% savings on groceries.

✈️ “A card in your wallet can open doors to the world.” 

Best Credit Cards for International Travel

Best Credit Cards for International Travel in India 2025: Low Forex Fees, Global Perks: The best credit cards for international travel in India offer low forex markup fees, lounge access, and travel insurance, making them essential for 2025 globetrotters.

Find Your Best International Travel Card Points (A=1, B=2, C=3):

1. Travel style?

    A: Budget trips.

    B: Hotels and dining.

    C: Luxury lounges/elite status.

2. Rewards?

    A: Miles.

    B: Points.

    C: Credits/perks.

3. Fee?

    A: Low.

    B: Medium.

    C: Premium.

   Score 3-5: Scapia Federal Bank Credit Card – No forex fees.

   Score 6-7: HDFC Regalia – Balanced perks.

   Score 8-9: HDFC Infinia – Luxury travel.

Top 5 International Travel Credit Cards

1. HSBC TravelOne Credit Card- Earn 4 reward points per Rs.100 on flights, travel bookings, & foreign currency transactions, & 2 reward points per Rs.100 on all other eligible spends.

2. HDFC Pixel Credit Card- 5% cashback on choice of any 2 categories, capped at 500 cash points/month per category. (Dining & Entertainment, BookMyShow & Zomato, Travel Category(MakeMyTrip, Uber), Grocery(Blinkit & Reliance Smart Bazaar), Electronics(Croma & reliance Digital), Fashion(Nykaa & Myntra).

3. RBL World Safari Credit Card – 0% forex markup, travel insurance, 2 lounge visits/year. ₹3,000 annual fee.

4. Axis Bank Atlas Credit Card – 5 EDGE Miles/₹100 on travel, 12 international lounge visits. ₹5,000 annual fee.

5. Scapia Federal Bank Credit Card – 0% forex fee, 20% Scapia Coins on travel via app. Lifetime free.

Extra Choices:

Axis Bank Magnus Credit Card – Complimentary international lounge access + travel insurance.

SBI Card ELITE – 6 international lounge visits + Trident/Club Vistara tie-ups.

IndusInd Tiger Credit Card –Earn upto 6 reward points per Rs.100 spent(above 5L/year), Convert 1 Reward Point into 1.2 Airmiles, 8 complimentary domestic & 2 International airport lounge access per year.

IDFC SWYP Credit Card- Get 2100 discount(EaseMyTrip) on joining fee payment, 10% off on Flights/Hotels(upto500) on transaction value above Rs.5000 on EMT once every quarter.

Niyo: Zero Forex Markup Fees, No joining or Annual Fees. It is a all-in-one banking companion(load inr & transact). Multi-Currency Support & Student benefits.

🌍 “Travel far, spend less—let your credit card fund the journey.”

Best Credit Cards for Domestic Travel

Best Credit Cards for Domestic Travel in India 2025: Rewards for Flights and Trains:For best domestic travel credit cards in India, these cards focus on airline rewards, lounge access, and rail benefits, ideal for flights with IndiGo or Vistara and IRCTC bookings.

Find Your Best Domestic Travel Card Points (A=1, B=2, C=3):

1. Travel mode?

    A: Trains.

    B: Budget airlines.

    C: Hotels/flights with perks.

2. Airline loyalty?

    A: None.

    B: IndiGo/Vistara.

    C: Flexible points.

3. Fee?

    A: None.

    B: Low.

    C: Medium.

   Score 3-5: IRCTC SBI Platinum – Rail-focused.

   Score 6-7: Kotak IndiGo 6E Rewards XL – Airline rewards.

   Score 8-9: Axis Bank Vistara Signature – Premium domestic.

Top 5 Domestic Travel Credit Cards

1. Axis Bank Vistara Signature Credit Card – 4 Club Vistara points/₹200, free premium economy ticket, lounge access. ₹3,000 annual fee.

2. Kotak IndiGo 6E Rewards XL Credit Card – 6% rewards on IndiGo, 8 domestic lounge visits. ₹2,500 annual fee.

3. HDFC Regalia Gold Credit Card – 12 domestic lounge visits, 4 points/₹150 on travel. ₹2,500 annual fee.

4. IRCTC SBI Platinum Card – Up to 10% value back on IRCTC AC tickets, 4 railway lounge visits. ₹500 annual fee.

5. SBI Miles Credit Card – Get 1500 Travel Credits as a Welcome Gift on spends of Rs 30,000 within 60 days of card issuance.

Extra Choices:

SBI IRCTC RuPay Credit Card – Discounts on train bookings.

IndusInd Legend Credit Card – Domestic travel deals, 24/7 concierge.

SBI Prime Credit Card – Multi-purpose card with complimentary club Vistara silver membership.

AU Nomo Credit Card - Enjoy International transactions with lower forex markup of just 0.99% with no or low Cibil score.

💸 “Swipe wisely today, enjoy rewards tomorrow—credit cards make it possible.”

Daily Use Credit Cards

Best Credit Cards for Daily Use in India 2025: Rewards on Everyday Spending:The best credit cards for daily use in India or top all-purpose credit cards provide consistent rewards across groceries, utilities, and miscellaneous spends, perfect for 2025’s everyday expenses.

Find Your Best Daily Use Credit Card Points (A=1, B=2, C=3):

1. Spending variety?

    A: Essentials only.

    B: Groceries, dining, online.

    C: High-volume mixed spends.

2. Rewards type?

    A: Cashback.

    B: Points.

    C: Premium perks.

3. Fee?

    A: None.

    B: Low.

    C: Medium.

   Score 3-5: SBI Cashback Credit Card – Simple cashback.

   Score 6-7: Axis Bank ACE – Online spends.

   Score 8-9: HDFC Regalia Gold – Broad rewards.

Top 5 Daily Use Credit Cards

1. SBI Cashback Credit Card – 5% cashback on online spends (up to ₹1 lakh/month), 1% offline. ₹999 annual fee (waived on ₹2 lakh spend).

2. Axis Bank ACE Credit Card – 5% cashback on online spends (Google Pay, Amazon), 2% on utilities. ₹499 annual fee (waived on ₹2 lakh spend).

3. HDFC Regalia Gold Credit Card – 4 points/₹150 on retail, 12 lounge visits. ₹2,500 annual fee.

4. ICICI Bank Coral Credit Card – 2 points/₹100 on retail, dining discounts. ₹500 annual fee (waived on ₹1.5 lakh spend).

5. IDFC First Millennia Credit Card – 10x points on online spends above ₹20,000, 3x on offline. Lifetime free.

Extra Choices:

Amazon Pay ICICI Credit Card – Unlimited 1% cashback on all spends.

HDFC Millennia – Best for young professionals with daily spends.

SBI SimplyCLICK – Simple rewards for everyday online shopping.

🎁 “Every swipe is a gift to your future savings.”

Conclusion

Choosing the best credit cards in India for 2025 can amplify your savings and rewards, but always pay balances on time to avoid high interest rates (often 3-3.75% monthly). Use the quiz to align cards with your lifestyle, and consider pairing cards for maximum benefits (e.g., a shopping card with a travel card). Check issuer websites for the latest offers, and apply only after reviewing your credit score and eligibility. Happy spending!

Choosing the right credit card in India 2025 is about aligning your lifestyle with card benefits. Whether it’s shopping, dining, or travel, there’s a perfect match for everyone. The quiz is designed to ease the confusion of credit card options, and start saving smartly with the best credit card for your needs.

🔑 “Your credit card is not debt—it’s a key to benefits, if used wisely.”

FIND YOUR BEST CARD:-

Credit Card Quiz

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