A credit card can be a real lifesaver when it comes to managing your finances and paying off your day-to-day expenses. All you need is a credit card app, and you can accomplish the following tasks without any difficulty:
- Paying your bills on time
- Earning rewards and redeeming them when the need arises
- Earning cashback and maximising your savings
- Tracking your daily transactions
- Staying within your budget
- Improving your credit score
Choosing the best credit card in India in 2025 can seem like a daunting task, but looking at factors like rewards, cashback, interest rates, annual fees, and other perks can help simplify the process. Based on popular reviews and features, check out the list below for some of the best credit cards for 2025.
Some of the Best Credit Cards for 2025
On one hand, a credit card eases your finances, and on the other hand, it offers a plethora of premium perks, which include:
- Airport lounge access
- Concierge services
- Reward points
- Free movie tickets
- Hefty cashback or discounts
If you want to add convenience to your daily life and find a way to save more while enjoying great perks, choose a credit card depending on your lifestyle. The following cards will offer you benefits based on your spending patterns, whether you’re into travel, shopping, or cashback rewards:
| Credit Card | Joining and Renewal Charges | Best Feature | Category |
| One Credit Card | ₹0 | 5X reward points on your top two categories | Lifestyle |
| IndusInd Bank Platinum RuPay Credit Card | ₹0 | 2 reward points on every transaction worth ₹100 | Lifestyle |
| HDFC Bank UPI RuPay Credit Card | ₹500 | 3% cash points on grocery, supermarket, dining, PayZapp and UPI transactions | Cashback |
| HDFC MoneyBack+ Credit Card | ₹500 | 2 cash points on every transaction worth ₹15 | Cashback |
| Cashback SBI Card | ₹999 | 5% cashback on every online transaction | Cashback |
| HDFC Bank Diners Club Black card | ₹10,000 | 10X reward points at select partner outlets | Lifestyle |
| American Express Membership Rewards Card | Joining fee: ₹1,000Annual fee: ₹4,500 | Flipkart voucher worth ₹6,000 | Rewards |
| SBI Card ELITE | ₹4,999 | Free movie tickets worth ₹6,000 every year | Entertainment |
| Air India SBI Signature Card | ₹4,999 | Up to 30 reward points on Air India ticket purchases | Travel |
| IndianOil RBL Bank XTRA Credit Card | ₹1,500 | 15 fuel points on every IOCL fuel spend worth ₹100 | Fuel |
Disclaimer: Fees and features of credit cards may change over time as per the issuer’s policies. Please check the latest information before making a decision.
You can always find the right card that will suit your shopping habits and help you cope with the rising costs of living. However, as with any financial product, it’s essential to use credit cards responsibly. Make sure to:
- Apply for the right card to manage your expenses
- Review the terms and conditions of the card
- Pay your balance in full each month
- Avoid high-interest debt
- Stay within your budget
A card that keeps your costs low and offers a good credit card app will ensure that your credit card journey is stress-free. One such option is the One Credit Card. It comes with a powerful app that makes it easier for you to track your monthly expenses and sends you notifications when you are about to cross your limit.
The OneCard App also helps find the best offers near you with GPS and enables you to get 5X reward points on your top two spending categories, which can be anything from groceries to medicines. Apart from that, you will get a 1% fuel surcharge waiver and discounts in almost every category!
Simply download the credit card online app and apply for the One Credit Card today. Enjoy value-added features, such as instant approval with the option to get a virtual card right after, so you don’t have to wait long to start using your new card. You can also opt for the metal black card to match your aesthetics.
