Compare & Apply for Credit Cards in May 2025
Given below are some of the top credit cards in India spanning across different categories, like cashback, online shopping, travel, fuel, rewards, and co-branded benefits, that you can choose from, depending on your requirements:
HDFC Diners Club Black Credit Card

Joining fee: ₹10000
Annual/Renewal Fee: ₹10000
Unlimited airport lounge access for primary and add-on members
High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent
Product Details
- Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
- Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
- Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
- Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
- 6 complimentary golf games in a calendar quarter
Axis Bank Reserve Credit Card

Joining fee: ₹50000
Annual/Renewal Fee: ₹50000
Unlimited domestic & international lounge visits via Priority Pass
Low forex mark-up fee of 1.5% with 2X reward points on international spends
Product Details
- Up to 30 EDGE reward points for every Rs. 200 spent
- B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
- ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
- 50 free golf rounds every year across select golf courses in India
Axis Atlas Credit Card

Joining fee: ₹5000
Annual/Renewal Fee: ₹5000
2.5X EDGE Miles on Travel spends
Up to 12 international lounge access every year
Product Details
- 2,500 bonus EDGE Miles as welcome benefit
- Up to 5 EDGE Miles per Rs. 100 spent on travel
- Redeem EDGE Miles at value of 1 EDGE Mile = 2 Partner Points
- Milestone benefits of up to 5,000 EDGE Miles
- Up to 18 complimentary domestic lounge visits in a year
HDFC Regalia Gold Credit Card

Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
Product Details
- Complimentary Swiggy One & MMT Black Elite Memberships
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
YES Bank Paisabazaar PaisaSave Credit Card

Joining fee: ₹0
Annual/Renewal Fee: ₹499
3% Cashback Points on e-commerce spends, max. 5,000 points/month
Unlimited 1.5% Cashback Points on all other spends, including UPI
Product Details
- Earned Cashback Points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
- 1.5% cashback on online spends made after reaching the monthly capping
- Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
- 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
Cashback SBI Card

Joining fee: ₹999
Annual/Renewal Fee: ₹999
5% cashback on all online spends
1% cashback across all offline spends
Product Details
- 5% cashback across all online spends with no merchant restriction
- 1% cashback across all offline spends
- Earn cashback of up to Rs. 5,000 per month
- Renewal fee reversed on spending at least Rs. 2 lakh in a year
- 1% fuel surcharge waiver of up to Rs. 100 per month
American Express® Platinum Card

Joining fee: ₹66000
Annual/Renewal Fee: ₹66000
Vouchers of up to Rs. 60,000 from Taj, Reliance or Postcard Hotels on spending Rs. 50,000 in first 2 months
Complimentary access to multiple lounge access programs
Product Details
- Benefits of Rs. 44,300 at the finest hotels/resorts worldwide, like the Four Seasons, Mandarin Oriental, The Ritz-Carlton, etc.
- Access to top-tier hotel loyalty programs, like Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold, etc.
- Invitations to VIP-only events & access to pre-sale tickets & some of the best seats at Fashion Week, Grammy Award, Wimbledon, etc.
- Eazy Diner Prime membership with up to 50% off at premium restaurants in India
- Vouchers worth Rs. 35,000 from Taj Hotels, Reliance Brands Ltd., Postcard Hotels on annual spends of Rs. 20 Lakh
Axis Bank SELECT Credit Card

Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
2X EDGE Reward Points acrosss all retail transactions
10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit
Product Details
- 10 EDGE Reward Points on every Rs. 200 spent
- Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
- Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
- Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
- Up to 12 complimentary golf rounds in a year
Tata Neu Plus HDFC Credit Card

Joining fee: ₹499
Annual/Renewal Fee: ₹499
Up to 7% value back on Tata Neu spends
4 domestic lounge access per year
Product Details
- 499 NeuCoins after the first spend within 30 days of card issuance
- 2% NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
- 1% NeuCoins on UPI, non-Tata brand and merchant EMI spends
- Additional 5% NeuCoins on select spends at Tata Neu app/website
IndianOil RBL Bank Credit Card

Joining fee: ₹500
Annual/Renewal Fee: ₹500
Up to 6% savings on IndianOil fuel purchases
1,000 Fuel Points as welcome benefit
Product Details
- 5% savings as 10 Fuel Points per Rs. 100 spent on IndianOil fuel
- 1 Fuel Point per Rs. 100 spent on other categories; 1 Fuel Point = Rs. 0.50 for IOCL fuel purchase
- 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends
- Annual fee waived off on Rs. 1.75 lakh annual spends
Note: HDFC Infinia is not included in the above list as it is an invite-only card.
From the above card list, check your eligibility and apply for the credit card of choice. To learn more about the top credit cards in detail, check out the list of 25 best credit cards in India.
Also, this top 10 credit card list above does not include premium cards that usually come with stringent eligibility norms, charge high annual fees, and offer luxury benefits to the users. If you want to apply for a credit card with luxury benefits, see the list of the best super-premium credit cards in India.
2 Comments
I will be travelling to Singapore and Thailand. For this I look to have a credit card which I can use to book airline tickets, Book Hotels, Get Free Lounge access, use to pay over there in foreign currency with low forex mark up charges.
If you plan to book travel tickets via portals like Yatra, MMT or EaseMyTrip, you can opt for cards co-branded with these platforms. For example, with the Yatra SBI Card, you can save up to Rs. 4,000 on international flight bookings and with the Standard Chartered EaseMyTrip Credit Card, you can save up to Rs. 5,000 on international flights and up to Rs. 10,000 on international hotels. If you travel several times in a year, you can consider getting airline cards like Axis Vistara.
The right travel card would be the one that aligns with your preferences. Most travel credit cards come with a limited number of free lounge visits; however, low forex markup may not be available with all cards. Hence, you must check the features and benefits before applying.