Credit cards are a great way to track your expenses and become a smart spender. Nowadays, credit cards have become more of a necessity than a luxury. The flexibility and convenience of paying through credit cards make them a popular choice among users. With credit cards, you don’t have to worry about spending money from your pocket right away, and you don’t have to think about it until the next bill payment date. If you are planning to apply for a credit card in the new year, you should know which are the best credit cards of 2025.

Top 10 Credit Cards of 2025:

• American Express Platinum Card - Joining Fee Rs 66,000
• Axis Bank Reserve Credit Card - Joining Fee Rs 50,000
• HDFC Diners Club Black Credit Card - Joining Fee Rs 10,000
• Axis Atlas Credit Card - Joining Fee Rs 5,000
• Axis Bank Select Credit Card - Joining Fee Rs 3,000
• HDFC Regalia Gold Credit Card - Joining Fee Rs 2,500
• Indian Oil RBL Bank Extra Credit Card - Joining Fee Rs 1,500
• Tata New Infinity HDFC Credit Card - Joining Fee Rs 1,499 Rs
• Cashback SBI Card - Joining Fee Rs 999
• Yes Bank PaisaBazaar PaisaSave Credit Card - Joining Fee Rs 0

1. American Express Platinum Card

Key Benefits:

• - You can get benefits up to Rs 44,300 at premium hotels/resorts including Four Seasons, Mandarin Oriental, The Ritz-Carlton.
• - Leading hotel loyalty programs access like Marriott Bonvoy Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold.
• - VIP-only events, pre-sale tickets, VIP tickets, best seats at Fashion Week, Grammy Awards, Wimbledon.
• - You can get up to 50% off at premium restaurants in India
• - On an annual spend of ₹20 lakh you will get vouchers worth ₹35,000 from Taj Hotels, Reliance Brands Ltd and Postcard Hotels
• - Also unlimited complimentary lounge access.

2. Axis Bank Reserve Credit Card

Key Benefits:

• - 30 EDGE Rewards Points for every ₹200 spent
• - Get up to 5 discount tickets per month on BookMyShow tickets on B1G1 offer -
• - Get Accorplus, Club Marriott & EazyDiner Prime memberships and offers on Postcard & Oberoi hotels.
• - 50 free rounds of golf per year at some of India’s top golf courses
• - Priority pass for unlimited domestic and international lounge visits
• - Just 1.5% Forex mark-up fee along with 2X reward points on international spend

3. HDFC Diners Club Black Credit Card

Key Benefits:

• Key benefits: - On joining, you get an annual membership to Club Marriott, Forbes, Amazon, Swiggy One (3 months), and MMT BLACK.
• - Get 2% lower Forex mark-up fee and free membership renewal on ₹8 lakhs spent annually.
• - If you spend ₹80,000 per month, you get two vouchers worth ₹500 from Ola Cabs, Cult.fit Live, BookMyShow, or TataCliQ.
• - Get 6 free golf games per year.
• - Get unlimited access to airport lounges (primary and add-on).
• - 5 reward points for every ₹150 spent.

4. Axis Atlas Credit Card

Key Benefits:

• - 2,500 bonus EDGE miles as a welcome benefit.
• - 5 EDGE miles for every ₹100 spent on travel.
• - Earn up to 5,000 EDGE miles as milestone benefits.
• - 18 free domestic lounge accesses in a calendar year.
• - 12 international lounge accesses per year.

5. Axis Bank Select Credit Card

Key Benefits:

• - Earn 10 EDGE reward points on spending ₹200.
• - Get ₹500 off per month on spending a minimum of ₹3,000 on BigBasket.
• - Get ₹200 off twice a month on Swiggy on spending ₹1,000.
• - 12 free international lounge accesses in a year
• - 12 free rounds of golf in a year.
• - 2X reward points on all retail transactions.
• - Welcome benefit of 10,000 EDGE reward points worth ₹2,000.

6. HDFC Regalia Gold Credit Card

Key Benefits:

• - 5X reward points on Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
• - 4 reward points on every retail spend of ₹150.
• - Free Swiggy One & MMT Black Elite memberships.
• - Enjoy a gift voucher worth ₹2,500 on paying the joining fee.
• - 6 free international lounge visits and 12 free domestic airport lounge visits per year.
• - Flight vouchers worth Rs. 5,000 will be provided for annual expenses of Rs. 5 lakh.

7. Indian Oil RBL Bank XTRA Credit Card

Key Benefits:

• - Earn 15 fuel points for every Rs 100 spent on IOCL fuel.
• - 1% fuel surcharge waiver on fuel spend between ₹500 and ₹4,000.
• - Welcome benefit of 3,000 fuel points on spending a minimum of ₹500 using the first card.
• - Save up to 8.5% on IOCL fuel spend.
• - Earn 1,000 fuel points on spending of ₹75,000 in three months

8. Tata New Infinity HDFC Credit Card

Key Benefits:

• - Earn 5% extra NewCoins on selected spends on Tata New app/website.
• - Low Forex Markup Fees
• - 5% NewCoins on all non-EMI spend on Tata Nev and its partner brands.
• - Access to 8 international and 4 domestic lounges per year via Priority Pass.

9. SBI Card Cashback

Key Benefits:

• - 5% cashback on all online spends.
• - 1% cashback on all offline spends.
• - Earn up to ₹5,000 cashback per month.
• - Get a renewal fee refund of ₹2 lakh on minimum spend in a year.
• - Fuel surcharge waiver of up to ₹100 per month.

10. Yes Bank PaisaBazaar PaisaSave Credit Card

Key Benefits:

• - 3% cashback points on e-commerce spend up to 5,000 points
• - 1.5% cashback points on all other spends including UPI
• - Up to 5% cashback on online spends after reaching the monthly limit.
• - Renewal fee waiver on annual spend of ₹1.2 lakh or more.
• - 1% fuel surcharge waiver on fuel spend between ₹500 and ₹3,000