Best Credit Cards in India 2025 – Complete Mega Guide (Cashback, Shopping, Travel, Fuel & Lifestyle)

Discover the 20 best credit cards in India 2025. Save upto ₹200,000 yearly on cashback, shopping, travel, fuel & lifestyle spends with saving examples

आजकल क्रेडिट कार्ड केवल भुगतान का माध्यम नहीं रह गया है — यह आपके वित्तीय प्रबंधन का एक स्मार्ट टूल बन गया है। सही कार्ड चुनकर आप अपने खर्च पर नियंत्रण रख सकते हैं, कैशबैक और रिवॉर्ड्स कमा सकते हैं, और लंबी अवधि में अपनी बचत और निवेश योजनाओं को भी बेहतर बना सकते हैं।

• Earn cashback every month on shopping and bill payments
• Enjoy free lounge access when you travel
• Save up to 5% on fuel expenses
• Take advantage of lifestyle perks like dining deals and movie discounts

ध्यान न देने पर गलत क्रेडिट कार्ड का चुनाव आपको हर साल ₹5,000 से ₹10,000 तक का नुकसान पहुँचा सकता है। इसलिए सही कार्ड चुनना बहुत ज़रूरी है।

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Best Credit Cards in India 2025 for Cashback

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1. SBI Cashback Credit Card

• Annual Fee: ₹999 (Reversible, but only if you spend ₹2 lakh or more in a year).
• 5% on online transactions (except some categories like wallet load, rent, fuel, EMI, insurance, etc.).
  • Example: ₹20,000 on online shopping (Amazon, Myntra, Swiggy, etc.) → ₹1,000 cashback.
  • Bill Payments Online (electricity, broadband, mobile recharge) → ₹5000 spend/month → ₹250 cashback(5% of transaction)
• 1% cashback on offline transactions like card swipe in nearby shop.
  • Example: ₹10,000 on offline shopping (mall, grocery store, local shops) → ₹100 cashback

Annual Maximum Savings

By fully utilizing all benefits, the estimated annual savings are:

• Online Purchases: 5% cashback on up to ₹1,00,000/month (₹5,000/month)
• Offline Purchases: 1% cashback on up to ₹1,00,000/month (₹1,000/month)
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000, totaling ₹1,200/year
• Annual Fee Waiver: ₹999 fee waived on spending ₹2,00,000 in a year

Total Estimated Savings: ₹72,200 annually

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2. Axis Bank ACE Credit Card

• Annual Fee: ₹499 (Reversible, but only if you spend ₹2 lakh or more in a year).
• 5% Cashback → On bill payments & mobile recharges only through Google Pay, 2% cashback applicable for other payment apps like PhonePe or Paytm (using the card).
• 4% Cashback → On Swiggy, Zomato, Ola (direct payment with card).
• 2% Cashback → On all other spends (online & offline).
• Fuel, Wallet Load, Rent, EMI → No cashback.

Annual Maximum Savings

By fully utilizing all benefits, the estimated annual savings are:

• Bill Payments & Recharges: 5% cashback on purchase of ₹12,500/month up to ₹600/month. (maximum)
• Food Delivery & Rides: 4% cashback on purchase of ₹10,000/month up to ₹400/month.
• Other Eligible Spends: 1.5% cashback on purchase of ₹66,000/year up to ₹990/year.
• Lounge Access: 4 visits/year, valued at ₹4,000/year
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, up to ₹500/month (₹6,000/year)
• Dining Discounts: Up to 15% off at partner restaurants via EazyDiner (estimated savings ₹6,000/year)

Total Estimated Savings: ₹17,590/year

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3. Axis Bank Flipkart Credit Card

• Annual Fee (from 2nd year onwards): ₹500 + GST (≈ ₹590 approx). (Reversible, but only if you spend ₹3.50 lakh or more excluding rent payment and wallet load in a year).
• Get a ₹500 Flipkart voucher when you make your first purchase of ₹2,000 or more within 30 days of getting the card.
• 5% Cashback on Flipkart & Myntra
  • Example:- You purchase a mobile for ₹20,000 on Flipkart → 5% cashback = ₹1,000.
• 4% Cashback on Partner Brands
  • Swiggy, Uber, PVR, Cult.fit, Cleartrip, Tata Play (partners may get updated over time).
  • Example:- Food order on Swiggy ₹2,500 → 4% cashback = ₹100.
• 1.5% Cashback on All Other Spends. For offline and non-partner online spends.
  • Example:- Grocery shopping of ₹10,000 at local supermarket → 1.5% cashback = ₹150.
• Fuel Surcharge Waiver: Save the 1% fuel surcharge every time you buy petrol/diesel with this card (up to ₹500 per month).
  • For Example Without Waiver- You fill petrol worth ₹2,000 using your credit card, Fuel surcharge = 1% of ₹2,000 = ₹20 (extra charge) So your bill becomes ₹2,020. With Waiver you save this extra ₹20 on that transaction.
• Airport Lounge Access: Enjoy 4 free airport lounge visits per year within India and enjoy comfortable seating, free snacks/food, Wi-Fi, and drinks with just having the Axis Bank Flipkart Credit Card and your boarding pass of same day flight. Normally, you have to pay ₹500–₹1,000 per visit ,but with your card, it’s free and save around ₹4,000 in a year.
• Annual Maximum Savings
• By fully utilizing all benefits, the estimated annual savings are:
• Flipkart & Cleartrip: 5% cashback on up to ₹4,000 per statement quarter (₹16,000/year)
• Myntra: 7.5% cashback on up to ₹4,000 per statement quarter (₹16,000/year)
• Preferred Partners (Swiggy, Uber, PVR, Cult.fit): 4% unlimited cashback (estimated ₹10,000/year)
• Other Eligible Spends: 1.5% unlimited cashback (estimated ₹5,000/year)
• Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹4,000, up to ₹400 per month (₹4,800/year)
• Total Estimated Savings: ₹51,800 annually

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4. SBI SimplyCLICK Credit Card

• Annual Fee: ₹499 + GST (≈ ₹590). (Reversible, but only if you spend ₹1 lakh or more in a year).
• 10X Rewards (Online Partners like Amazon, BookMyShow, UrbanClap, Cleartrip, Foodpanda, Lenskart, Netmeds and Apollo24x7) You earn 10 RP per ₹100 spent on:
• 5X Rewards (≈1.25%) on all other online spends.
  Example: Spend ₹20,000 on Flipkart → Earn 1,000 points ≈ ₹250 value.
• 1X Reward (≈0.25%) on offline spends. Example: Spend ₹10,000 at a local shop → Earn 100 points ≈ ₹25 value.
• Spend ₹1,00,000 in a year → ₹2,000 Cleartrip voucher.
• Spend ₹2,00,000 in a year → ₹4,000 Cleartrip voucher.
• Fuel Surcharge Waiver:
  • 1% waiver on fuel transactions between ₹500 and ₹3,000, up to ₹100 per statement cycle.

Total Estimated Savings: ₹6,000 annually

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5. HDFC Tata Neu Credit Card

• Annual Fee: ₹499 (waived if you spend ₹50,000 or more in a year).
• 5% NeuCoins on Tata Neu, BigBasket, Croma, Tanishq, Westside, Tata CLiQ, etc.
  • Example: Spend ₹10,000 on BigBasket → Earn ₹500 NeuCoins.
• 1.5% NeuCoins on all other spends (Tata Neu and Partner Brands).
  • Example: Spend ₹20,000 on groceries → Earn ₹300 NeuCoins.
• 0.5% NeuCoins on UPI payments via Tata Neu app.
  • example: On payment of ₹30,000 → Earn ₹150 in NeuCoins (1 Tata NeuCoin = ₹1)
• Fuel Surcharge Waiver: Save 1% on fuel (up to ₹500/month).
• Airport Lounge Access: 2 free visits per quarter.
• Welcome Benefit: 1,499 NeuCoins on completing the first transaction within 30 days of card issuance.
• Complimentary Lounge Access: 8 domestic and 4 international lounge accesses per annum.
• Insurance Benefits: Accidental air death cover worth ₹1 crore, emergency overseas hospitalization up to ₹15 lakh, and lost card liability cover up to ₹9 lakh.

Total Estimated Savings: ₹1,21,779 annually

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Best Credit Cards in India 2025 for Shopping

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6. HDFC Shoppers Stop Credit Card

• Joining & Annual Fee: ₹299 + GST each year (Not reversible, paid yearly)
• Earn 3% reward points on purchases at Shoppers Stop (max ₹500/month).
  • ₹5,000 at Shoppers Stop in a month → 3% = ₹150 reward points.
• Earn 1% reward points on other spends (max ₹1,000/month).
  • ₹10,000 on other shops → 1% = ₹100 reward points.
• Fuel surcharge waiver: 1% waiver on fuel spends, up to ₹250/month.
• Welcome voucher: ₹500 voucher for Shoppers Stop on your first use.
• Silver Edge membership at Shoppers Stop is included. (Silver Edge = basic loyalty tier. You earn rewards faster, get small perks (like birthday offers & early sale access). The higher your tier (Gold, Platinum), the bigger the perks).
• Weekend bonus: If you spend ₹15,000+ at Shoppers Stop over the weekend, you earn additional ₹500 voucher; up to 5 times/year.

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7. HDFC MoneyBack Plus Credit Card

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Best Credit Cards in India 2025 for Travel

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8. SBI IRCTC Credit Card

• Annual Fee: ₹500
• Value Back on IRCTC Train Tickets
  • If you book certain train classes (AC1, AC2, AC3, Executive Chair Car, Chair Car) on IRCTC website/app, you get up to 10% reward points on those bookings.
  • You must link your SBI IRCTC Card loyalty number to your IRCTC account to redeem points.
• Welcome Bonus
  • You get 350 bonus reward points when you make a transaction of ₹500 or more within 45 days of getting the card.
• Fuel Surcharge Waiver
  • On fuel spends between ~₹500 to ~₹3,000, you will not have to pay the usual 1% surcharge, up to a certain limit per month.
• Lounge Access at Railway Stations
  • Complimentary (free) access to railway lounges in India. Generally 4 times a year (1 per quarter) for the basic / platinum cards.
• Transaction Charge Waiver on IRCTC Ticket Booking
  • When you book tickets through IRCTC using this card, a 1% transaction charge (which IRCTC normally charges) is waived.
• Reward Points on Other Purchases
  • For all non-fuel retail spends / other categories (outside train tickets), you also get reward points. Usually 1 point per ₹125 spent.

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Best Credit Cards in India 2025 for Fuel

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9. SBI BPCL Credit Card

• Annual Fee: ₹499 (waived if you spend ₹50,000 or more in the preceding year).
• Fuel Surcharge Waiver:- 3.25% + 1% surcharge waiver on BPCL fuel (up to ₹4,000/txn). Max waiver = ₹100/month (GST extra).
  • Example 1 – Small Purchase, You buy fuel worth ₹2,000 at BPCL pump (Bharat Petroleum Corporation Limited). Normal surcharge = 1% of ₹2,000 = ₹20, Extra 3.25% = ₹65, Total surcharge = ₹85 (GST extra). With this card, the ₹85 is waived, but you still pay GST on ₹85 (say 18% = ₹15.3). So, you save ₹85 but pay ₹15.3 GST.
  • Example 2 – Bigger Purchase, You buy fuel worth ₹10,000 in one billing cycle. Normal surcharge = 1% = ₹100, Extra 3.25% = ₹325, Total surcharge = ₹425 (plus GST). Here, though the surcharge is ₹425, the waiver limit is only ₹100 per billing cycle. So, you save ₹100, not the full ₹425. Remaining surcharge + GST must be paid by you.
• Accelerated Reward Points (13 RP per ₹100 = 4.25% back)
  • Example: You spend ₹2,000 on BPCL fuel. Points earned = (₹2,000 ÷ 100) × 13 = 260 points 1 Reward Point = approx ₹0.25, so 260 × 0.25 = ₹65 value back.
• Spending Rewards
  • Dining, Movies, Groceries & Departmental Stores (10 RP/₹100)
    Example: You spend ₹5,000 at Big Bazaar for groceries. Points earned = (₹5,000 ÷ 100) × 10 = 500 points, Value = 500 × ₹0.25 = ₹125 saved. Limit: Maximum 7,500 points per month = worth ₹1,875.
• Welcome Benefit 2,000 Reward Points on activation
  When you activate the card and make your first transaction, you get 2,000 reward points = ₹500 value.
  • Example: Even if your first purchase is just ₹500 on Swiggy, you’ll still get the bonus ₹500 worth points.
• Add-On Card Facility
  • You can give an extra card to family members (parents, spouse, siblings, children above 18).
    Example: You give your wife an add-on card linked to your account. She spends ₹2,000 at BPCL petrol pump → points earned will be added to your main account. No extra annual fee for this benefit. Balance Transfer & EMI Options
• Balance Transfer
  Suppose you already have an HDFC Credit Card bill of ₹20,000, and its interest rate is 3.5% per month. You transfer it to SBI BPCL Credit Card at a lower interest rate (say 1.7% per month). This helps reduce your interest burden until you repay.

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10. Axis Bank Indian Oil Credit Card

• Annual Fee: ₹500 (Spend ≥ ₹50,000 in the year to get the ₹500 annual fee waived).
• Welcome Benefit-100% cashback up to ₹250 on fuel transactions in first 30 days of card issuance.
• 4% cashback on IOCL (On ₹100 spend → ₹4 back → 4% value back at Indian Oil fuel stations (Valid only for transactions between ₹400–₹4,000) 1% surcharge waiver also applies, max ₹50 per billing cycle.)
• Online Shopping Rewards- 1% of your purchage
  • example-You earn 5 EDGE points per ₹100 spent on eligible online transactions. Value of 1 EDGE Point ≈ ₹0.20 You shop on Flipkart for ₹2,000. Points earned = (₹2,000 ÷ 100) × 5 = 100 points Value = 100 × ₹0.20 = ₹20 benefit
• Other Eligible Spends(On offline/other transactions (not fuel, not special categories)-0.2% of your purchage
  • Example-you earn 1 EDGE point per ₹100. You buy clothes at Lifestyle worth ₹5,000. Points = (₹5,000 ÷ 100) × 1 = 50 points, Value = 50 × ₹0.20 = ₹10 benefit
• Discounts & Offers
  • BookMyShow: Get 10% off on movie tickets (T&Cs apply, usually capped).
    Example: You book 2 tickets worth ₹600. You get ₹60 discount, pay only ₹540.
  • Dining (Axis Bank Dining Delights): Up to 20% off at partner restaurants.
    Example: You dine at a partner restaurant, bill = ₹2,000. Discount = 20% of 2,000 = ₹400 saved. Final bill = ₹1,600.

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Best Credit Cards in India 2025 for Lifestyle

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11. SBI Prime Credit Card

• Annual Fee: ₹2999 (If your annual spends in the previous year ≥ ₹3,00,000, the renewal/annual fee (₹2,999 + taxes) is waived).
• 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores & Movies. Up to a monthly cap of 7,500 points in those categories. Otherwise 2 RP / ₹100 on other retail spends (except fuel).
• If you spend ₹20,000 in Dining in a month → (₹20,000 ÷ 100) × 10 = 2,000 RP → Value (since 4 RP = ₹1 via statement credit) → 2,000 ÷ 4 = ₹500 off.
• 1% surcharge waived on petrol transactions between ₹500-₹4,000 at any petrol pump. Cap waiver of ₹250 per statement cycle. Govt service tax / GST extra.
• A e-gift voucher worth ~ ₹3,000 from partner brands (Pantaloons / Bata / Shoppers Stop / etc) on joining.
• Quarterly: Spend ₹50,000 in a quarter → receive a ₹1,000 Pizza Hut e-voucher.
• Annual: Spend ₹5,00,000 in a year → receive e-gift voucher worth ~₹7,000 from Yatra.com or Pantaloons.
• Lounge Access: 8 domestic + 4 international Priority Pass lounge visits per year.
• Birthday Bonus Points: 20 RP per ₹100 spent on your birthday / day before/after (with some cap).
• Convert spends into Flexipay & Balance Transfer options.

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12. Axis Bank MyZone Credit Card

• Annual Fee: ₹500
• SonyLIV Premium subscription (~₹1,499) free if you make a first purchase within 30 days. save
• Buy 1 Get 1 free “second movie ticket” on Paytm Movies / District app (use code “AXIS200”), up to ₹200/month.
• Flat ₹120 off on Swiggy orders (minimum ₹500), twice a month using code “AXIS120”.
• Up to 15% off at partner restaurants via Axis Dining Delights / EazyDiner, capped value applying per transaction.
• Up to Rs.1,000 off on AJIO on minimum spend Rs.2,999 using code “AJIOAXISMZ”. Valid on select styles.
• 1% fuel surcharge waiver on fuel transactions between ₹400–₹4,000. Max waiver ₹400 per statement cycle. GST on surcharge is not refundable.
• 1 complimentary domestic airport lounge access per quarter (i.e. 4 per year)
• Purchases above a certain minimum (often ~₹1,500) can be converted to EMI via bank’s process.

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13. Axis Bank Select Credit Card

• Annual Fee: ₹3000 (Full waiver of annual fee if you spend ₹8,00,000 in the card’s anniversary year).
• 10,000 EDGE points (~₹2,000 value) upon making the first transaction within 30 days of card issuance.
• Earn 10 EDGE points per ₹200 spent on most retail transactions.
• Flat ₹500 off per month on BigBasket (min purchase ~₹3,000)
• Flat ₹200 off on Swiggy, up to twice a month, with minimum order requirement ~₹1,000 (or as per code)
• International: Up to 12 international lounge visits/year under Priority Pass.
• Domestic: 2 complimentary domestic lounge visits per quarter, provided you meet spend threshold (e.g. ₹50,000 in previous 3 months)
• 6 complimentary golf rounds per year; unlock another 6 rounds if you spend ₹3,00,000 in an anniversary year.
• 1% waiver on fuel transactions between ₹400-₹4,000, up to ₹400 per statement cycle.
• 5,000 EDGE points when you spend ₹3,00,000 in a card anniversary year.
• Some complimentary insurance: purchase protection up to ₹1 Lakh, checks around delay/loss of baggage, lost travel documents etc.
• Real Annual Maximum Savings Estimate (Rough)
• If you use everything heavily and meet all spends, here is what a “max-value” user might pull off:
• Welcome bonus: ~~₹2,000 (EDGE points value)
• BigBasket discounts: ~₹6,000/year
• Swiggy discounts: ~₹4,800/year
• Lounge access (dom + intl): maybe ₹15,000-₹18,000/year
• Golf rounds value: maybe ₹6,000-₹10,000 depending on course rates and usage
• Milestone EDGE of ≈₹1,000 (5,000 points)
• Fuel surcharge waiver: ~₹360/year
• Total possible ≈ ~₹35,000-₹45,000 in savings for a super-high user who spends enough, values lounge use, etc., assuming the annual fee is waived or cost is offset by benefits.

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14. HDFC Swiggy Credit Card

• Annual Fee: ₹500 (If you spend ₹200,000 or more in the anniversary year, the annual / renewal fee is waived).
• Complimentary 3 months of Swiggy One membership on card activation. If already a Swiggy One member, extension by 3 months
• 10% cashback On Swiggy spends: up to ₹1,500/month maximum cashback.
• 5% cashback On online spends: up to ₹1,500/month cashback.
• 1% cashback On other spends: up to ₹500/month cashback.
• Up to 3 free add-on cards.
• Real Annual Maximum Savings Estimate
• Putting it all together:
• Swiggy category: ₹18,000
• Online spends category: ₹18,000
• Other spends category: ₹6,000
• → Total ≈ ₹42,000/year in maximum cashback (assuming you hit all the monthly caps).

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15. IndusInd Tiger Credit Card

• Annual Fee: Zero (Lifetime Free).
• Domestic Lounges: 2 complimentary visits per quarter (i.e. 8/year)
• International Lounges: 2 visits/year via Priority Pass
• One complimentary golf game or lesson per quarter. (4 per year)
• One complimentary BookMyShow movie ticket (up to ₹500) every 6 months = 2 per year.
• ~ 1.5% markup for international transactions — lower than many standard cards.
• 1% waiver on fuel transactions between ₹400 to ₹4,000 across all fuel stations in India.
• Includes “Total Protect” program: insurance against unauthorized transactions (loss / theft / counterfeit) and air accident personal cover up to ₹25,00,000.
• Concierge services, auto assist (roadside support etc.), travel / entertainment / hotel-booking privileges through partner offers.
• Up to 6 Reward Points per ₹100 spent (accelerated rewards) — subject to annual spend slabs. (1 RP = ₹0.40).
• Net Annual Savings Estimate
• Putting it all together, if someone uses these benefits well (travels, uses lounges/golf, high spend across dining / entertainment / travel), then:
• Reward points redemption: ~₹8,000 (on ₹6,00,000 spend)
• Lounge + Travel perks: ~₹12,000-₹14,000
• Golf + Entertainment: ~₹16,000 + ₹1,000 = ~₹17,000
• Fuel surcharge waiver: ~₹360
• Forex benefit if you spend internationally: extra savings depending on usage
• So total potential annual value (rough estimate) could be ₹35,000-₹40,000+ for a heavy-user who maximizes the perks.

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Best Credit Cards in India 2025 for Daily Use and Lifetime free

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16. ICICI Bank Platinum Chip Credit Card

• No Joining or Annual Fee: This card is lifetime free, making it ideal for beginners.
• Reward Points: Earn 2 PAYBACK Points for every ₹100 spent on retail purchases (excluding fuel, tax, government, and rent payments).
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000 at HPCL pumps.
• Dining Discounts: Minimum 15% discount at over 2,500 restaurants across India through the Culinary Treats Programme.
• EMI Conversion: Option to convert purchases into easy EMIs for better manageability.
• Total Estimated Savings: ₹6,000–₹8,000 annually

This card is best suited for individuals seeking to build their credit history while enjoying basic rewards on everyday spending.

17. Yes Bank Pop-Club Credit Card

• Joining / Issuance Fee – Nil (no joining fee)
• Annual / Renewal Fee – ₹399 + taxes. But waived if you spend ₹1,50,000+ in the card anniversary year.
• Fuel surcharge waiver limit – 1% waiver, subject to upper limit approx ₹300 per billing cycle.
• Online Spend Rewards – Earn 10 POPcoins per ₹100 of online transactions.
• Offline Spend Rewards – Earn 2 POPcoins per ₹100 spent offline.
• Extra on UPI via POP UPI App – Additional rewards: 5% extra POPcoins on UPI transactions done via POP UPI using this credit card
• Welcome / Joining Benefits- 500 POPcoins on activation.
• Memberships / vouchers: Zomato Gold (mini membership for ~3 months), PharmEasy Plus membership for 6 months, Cleartrip voucher (≈ ₹750), Cult Sport voucher (≈ ₹500), Rapido ride passes (free rides), Free deliveries on Blinkit (some number of orders).
• These combined “welcome benefits” are often quoted to be worth ~ ₹5,000 (value depends on usage).

18. LIC Axis Bank Signature Credit Card

• Annual Fee: Zero (lifetime free.)
• 2 Reward Points per ₹100 spent on LIC premium payments + foreign currency transactions
• 1 Reward Point per ₹100 spent on other transactions. Note: no points on fuel purchases, wallet loads, EMI conversions.
• 1% surcharge waiver on fuel purchases (petrol pumps) for transactions between ₹400 to ₹4,000. Max waiver benefit ₹400 per month. GST on surcharge not refundable. No reward points on fuel.
• 8 complimentary domestic airport lounge visits per calendar year at select airports. If each lounge visit value is ~₹1,000 → saving ~ ₹8,000/year.
• Lost card liability insurance cover up to the credit limit.
• Up to ~20% discount at over 4,000 partner restaurants via Axis Dining Delights / EasyDiner. Other offers like “Mid-week deals” (e.g. 10-15% off flights & hotels, Swiggy, etc.)
• on certain days. Assuming ~15-20% discount through offers, you might save ₹7,500-₹10,000/year (depends on usage).
• You pay LIC premium of ₹1,00,000 in a year using this card. You earn 2 RP/₹100 → (100,000 ÷ 100) × 2 = 2,000 Reward Points. If 1 RP = ₹0.20 approx, benefit ~ ₹400.
• The LIC Axis Bank Signature (LIC Axis Bank) Credit Card can give roughly ₹22,500/year in savings if you fully use its benefits.

19. Scapia Federal Bank Credit Card

• Joining / Annual Fee: Nil — this is a lifetime free credit card.
• Co-branded travel-oriented credit card by Federal Bank + Scapia for people who travel and spend digitally.
• Dual-network card: supports Visa and RuPay on UPI. You get a single credit limit and one consolidated monthly statement including both credit & UPI spends
• Instant virtual card after approval; physical card arrives in ~2-5 business days.
• Forex mark-up fee: Zero (on Visa variant) — you don’t pay extra for currency conversion on overseas spends.
• Domestic airport lounge access (unlimited) provided you meet spending threshold in a month: e.g. spend ₹10,000 (Visa) or ₹15,000 (RuPay) in that month. The lounge access is for the next month.
• Fuel surcharge waiver: 1% surcharge waiver on fuel transactions, up to a certain cap (for example ₹500/month, on fuel spends up to ₹5,000) depending on the policy.
• No-cost EMI option for travel spends via the Scapia app for larger travel-booking expenses.

20. BOBCARD Uni Goldx Credit Card

Lifetime Free: No joining fee, no annual/renewal fee.

Co-brand / Partnership: BOBCARD Limited (Bank of Baroda’s credit card arm) + Uni Cards / Uniorbit platform services.

Earn up to 5% gold-back when you buy vouchers through the Uni Store (brands like Amazon, Myntra, Zomato, MakeMyTrip, Blinkit etc.)

Earn 1% real 24K digital gold on every eligible spend.

Reward Type: Digital Gold (24K) via “Uni Coins” which can be converted to 24K Digital Gold.

Real gold rewards do not expire. Gold rewards are stored digitally and you can convert them (to digital gold, cash, or physical gold depending on offerings).

Rewards apply also on UPI / QR-type transactions (eligible UPI spends).

Zero Forex Markup (i.e. no foreign exchange markup fee) for international transactions.

Rental Transaction Fee: 1.25% of rental transaction amount or min ₹100 (whichever is higher) for related MCC.

Fuel surcharge waiver: 1% waiver on fuel surcharge at petrol pumps across India.

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Conclusion – Which Credit Card is Best for You?

Choosing the best credit card in India in 2025 depends entirely on your spending habits.

• If you want maximum cashback on daily spending, go with the SBI Cashback Credit Card or Axis Bank ACE.
• If you are into online shopping, the Flipkart Axis or SBI SimplyCLICK makes more sense.
• For frequent travelers, the SBI IRCTC Credit Card offers unmatched train travel benefits, while premium travelers may prefer SBI Prime or Axis Select.
• For fuel savings, the SBI BPCL and Axis Indian Oil cards are the most rewarding.
• If you are a foodie or lifestyle spender, then HDFC Swiggy and Axis MyZone are ideal picks.
• And for those who want a lifetime free card for daily use, ICICI Platinum Chip, Scapia Federal Bank, and BOBCARD Uni GoldX are excellent zero-fee options.

So, the best credit card for you is the one that matches your biggest expense category — cashback, shopping, travel, fuel, or lifestyle.