Credit cards are a great way to track your spending and become a smarter spender. Nowadays, credit cards have become a necessity. The flexibility and convenience of paying by credit cards makes it a popular choice among users. If you have credit cards, you don't have to stress about spending money immediately out of your pocket, and you don't have to worry about it until the next bill repayment date. If you're planning to apply for a credit card in the new year, you should know which are the best credit cards for 2025.

The 10 Best Credit Cards for 2025.

• American Express Platinum Card - Rs 66,000
• ആക്സിസ് ബാങ്ക് റിസർവ് ക്രെഡിറ്റ് കാർഡ്- ജോയ്‌നിങ് ഫീ 50,000 രൂപ
• Axis Bank Reserve Credit Card - Rs 50,000
• Axis Atlas Credit Card - Rs 5,000
• Axis Bank Credit Card - Rs 3,000
• HDFC Diners Club Black Credit Card - Joining Fee Rs 10,000
• Indian Oil RBL Bank Extra Credit Card - Joining Fee Rs 1,500
• Tata New Infinity HDFC Credit Card - Joining Fee Rs 1,499
• SBI Card - Rs 999
• Yes Bank Paisabazaar PaySave Credit Card - Joining Fee Rs 0

The American Express Platinum Card

The main advantages:

• Benefits of up to ₹44,300 can be availed at premium hotels / resorts across the world, including Four Seasons, Mandarin Oriental, and The Ritz-Carlton.
• Access to top hotel loyalty programs such as Marriott Bonvoy Gold Elite, Hilton Owners Gold, Taj Reimagined Epicure, and Radisson Rewards Gold.
• VIP-only events, pre-sale tickets, VIP tickets, and access to the best seats Fashion Week, Grammy Awards, and Wimbledon.
• Up to 50% off on premium restaurants in India
• For annual expenses of ₹20 lakh, vouchers worth ₹35,000 from Taj Hotels, Reliance Brands Limited, and Postcard Hotels.
• Unlimited complimentary access.

Axis Bank Reserve Credit Card

The main advantages:

• 30 EDGE reward points for every ₹200 spent.
• BookMyShow Tickets on B1G1 Offer - Up to 5 Offer Tickets per month
• There are offers on Accorplus, Club Marriott & EazyDiner Prime memberships and Postcard & Oberoi hotels.
• 50 free rounds of golf every year at some of the top golf courses in India
• Priority Pass for Unlimited Domestic and International Launch Visits
• Forex mark-up fee of just 1.5% with 2x reward points on international spends.

HDFC Diners Club Black Credit Card

The main advantages:

• On joining, you'll get an annual membership to Club Marriott, Forbes, Amazon, and Swiggy One (3 months) MMT Black.
• You can get a 2% lower forex markup fee and a free membership renewal for ₹8 lakh spent annually.
• If you're spending ₹80,000 per month, check out Ola Cabs, Cult. You can get two vouchers of Rs 500 each from Fit Live, BookMyShow, or TataCliQ.
• 6 free golf games a year.
• Get unlimited access to airport lounges (primary and add-on).
• 5 reward points for every ₹150 spent.

Axis Atlas Credit Card

The main advantages:

• 2,500 bonus EDGE miles as a welcome benefit.
• Every $100.5 EDGE miles spent on travel.
• Up to 5,000 EDGE miles can be earned as milestone benefits.
• 18 free domestic launch access in a calendar year.
• 12 international launches per year.

Axis Bank Credit Card

The main advantages:

• You can earn 10 EDGE reward points on spending ₹200.
• Get a discount of ₹500 per month on spending at least ₹3,000 on BigBasket.
• Get ₹200 off on Swiggy twice a month on spending ₹1,000.
• 12 free international launches per 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.

HDFC Regalia Gold Credit Card

The main advantages:

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

Indian Oil RBL Bank XTRA Credit Card

The main advantages:

• For every Rs 100 spent on IOCL fuel, 15 fuel points can be earned.
• 1% fuel surcharge waiver on fuel expenses ranging from ₹500 to ₹4,000.
• Welcome benefit of 3,000 fuel points on spending a minimum of ₹500 with the first card.
• IOCL can save up to 8.5% on fuel costs.
• You can earn 1,000 fuel points by spending Rs 75,000 in three months.

Tata New Infinity HDFC Credit Card

The main advantages:

• An additional 5% NewCoins can be earned on select spends on the Tata New App / Website.
• Low Forex Markup Fee
• 5% NewCoins for Tata Neu and its partner brands on all non-EMI spends.
• Access to 8 international and 4 domestic launches per year through Priority Pass.

SBI Card Cashback

The main advantages:

• 5% cashback on all online purchases.
• 1% cashback on all online purchases.
• You can get a cashback of up to Rs 5,000 per month.
• If you spend at least ₹2 lakh in a year, you can get the renewal fee back.
• Fuel surcharge up to ₹100 per month.

YES Bank PaySaver Credit Card

The main advantages:

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