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Best & Worst Credit Cards of 2025 - Community Voting Thread

TechnoFino

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It’s that time of the year again! 🎉

Every year, before we publish our Best Credit Cards of the Year article, we open the floor to the community — because your insights ensure we don’t miss any hidden gems… or any disasters. 😄

So let’s hear it from you all!
Make sure you post why do you think that card is worst or best

💳 Which credit card launched in 2025 deserves the title of the BEST?
💥 And which one, according to you, was the WORST launch of 2025?

Note: Only cards launched in 2025

👉 Make sure you also mention why you think that card is the best or the worst.
Your reasoning helps us understand the real user experience behind each card and shapes the final TechnoFino rankings.

Drop your picks below! 👇
 
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TechnoFino said:
It’s that time of the year again! 🎉

Every year, before we publish our Best Credit Cards of the Year article, we open the floor to the community — because your insights ensure we don’t miss any hidden gems… or any disasters. 😄

So let’s hear it from you all!

💳 Which credit card launched in 2025 do you think deserves the title of the BEST?
💥 And which one, according to you, was the WORST launch of 2025?

Note: Only cards launched in 2025

Drop your picks below and tell us why. Your comments will help shape the final rankings in the upcoming TechnoFino article. 👇
Click to expand...
Sir, most difficult task is finding (knowing about) the list of credit cards that was launched in 2025 (till date).

Then it would be easy to pick Best and Worst based on individual's choice. Hopefully soon you will update the main post with a tentative list. Thanks.
 
Upvote 0 Downvote
TechnoFino said:
It’s that time of the year again! 🎉

Every year, before we publish our Best Credit Cards of the Year article, we open the floor to the community — because your insights ensure we don’t miss any hidden gems… or any disasters. 😄

So let’s hear it from you all!
Make sure you post why do you think that card is worst or best

💳 Which credit card launched in 2025 deserves the title of the BEST?
💥 And which one, according to you, was the WORST launch of 2025?

Note: Only cards launched in 2025

👉 Make sure you also mention why you think that card is the best or the worst.
Your reasoning helps us understand the real user experience behind each card and shapes the final TechnoFino rankings.

Drop your picks below! 👇
Click to expand...
Dada you need to make a list of the cards which were launched in 2025.
Then only we can select the best and worst.

Otherwise while voting, we may mistakenly select cards of 2024 also
 
Last edited:
Upvote 1 Downvote
Well, I have made a list of the cards which were launched ONLY in 2025.

1. Premium & Lifestyle Cards
a) HSBC TravelOne Credit Card (Launched: January 2025)
Key Feature: The first credit card from HSBC India focused purely on travel transfers. It allows 1:1 transfer of reward points to multiple airline and hotel partners (like Accor, Singapore Airlines, etc.) with zero capping on transfers at launch.

b) RBL Bank LUMIÈRE Credit Card (Launched: November 2025)
Key Feature: An ultra-premium, invitation-only metal card (18g weight). It is designed for high-net-worth individuals (HNIs) with a fee of ₹50,000, offering luxury travel and concierge perks.

c) RBL Bank NOVA Credit Card (Launched: November 2025)
Key Feature: A premium metal card positioned below the LUMIÈRE, targeting frequent travelers with high reward rates on flight/hotel bookings and dining benefits.

2. Fintech & UPI-First Cards
a) Scapia Federal Credit Card (Launched: June 2025)
Key Feature: A travel-focused co-branded card by Federal Bank and fintech firm Scapia. It became instantly popular for offering Zero Forex Markup and unlimited domestic lounge access (spend-based), operating on the RuPay network for UPI payments.

b) AU SPONT RuPay Credit Card (Launched: September 2025)
Key Feature: Designed specifically for UPI users. It rewards users with "Coins" for UPI transactions made via the AU 0101 app and offers cashback on other spends.

c) PhonePe Wish Credit Card (Launched: August 2025)
Key Feature: Launched in partnership with Utkarsh Small Finance Bank, this is a credit-builder card backed by a Fixed Deposit (FD), designed to help users with no credit history enter the credit ecosystem.

d) SBM MobiKwik First Card (Launched: May 2025)
Key Feature: A prepaid-credit hybrid secured by an FD, offering 100% digital onboarding and UPI capabilities.

e) Roar RuPay Credit Card (max 2500 cashback per bill cycle)
Fixed category --Movies 20%
20% cashback on movies up to 2500 on 12500
Variable categories --
5% on taxi apps Uber, Ola, Rapido upto 2500 on 50k
2 or 3% cashback on restaurants + cafe
2 or 3% cashback on chemist + beauty parlour
2% on fuel, etc.

Every month you have to choose which 2 categories you want (locked for that month)
Both categories & cashback % change every month.
Movies is always 20%, but with BOGO and 100% free movie tickets (IndusInd Tiger), it is not of much use

3. Co-Branded & Banking Partnership Cards
a) BoM SBI Card (Launched: August 2025)
Key Feature: A partnership between Bank of Maharashtra and SBI Card. Launched in three variants (ELITE, PRIME, and SimplySAVE) to cover different customer segments from premium to entry-level.

b) Unity Bank BharatPe Credit Card (Launched: August 2025)
Key Feature: A co-branded card targeted at merchants and consumers, featuring EMI-driven credit options to simplify high-value purchases.

4. New Network Variant: "RuPay Ekaa"
In late 2025 (around the Global Fintech Fest in August/September), RuPay introduced its new super-premium network variant called "Ekaa". Several banks launched or announced cards on this platform:
a) PNB Luxura RuPay Ekaa Credit Card: A super-premium offering from Punjab National Bank with luxury benefits.

b) Kotak White Reserve RuPay Ekaa Card: A new variant of the existing White Reserve card on the Ekaa platform.

c) Union Bank Metal Int Nexteria RuPay Ekaa Card: A metal card offering from Union Bank of India.
 
Last edited:
Upvote 1 Downvote
drsel said:
I have made a list of the cards which were launched only in 2025.

1. Premium & Lifestyle Cards
a) HSBC TravelOne Credit Card (Launched: January 2025)
Key Feature: The first credit card from HSBC India focused purely on travel transfers. It allows 1:1 transfer of reward points to multiple airline and hotel partners (like Accor, Singapore Airlines, etc.) with zero capping on transfers at launch.

b) RBL Bank LUMIÈRE Credit Card (Launched: November 2025)
Key Feature: An ultra-premium, invitation-only metal card (18g weight). It is designed for high-net-worth individuals (HNIs) with a fee of ₹50,000, offering luxury travel and concierge perks.

c) RBL Bank NOVA Credit Card (Launched: November 2025)
Key Feature: A premium metal card positioned below the LUMIÈRE, targeting frequent travelers with high reward rates on flight/hotel bookings and dining benefits.

2. Fintech & UPI-First Cards
a) Scapia Federal Credit Card (Launched: June 2025)
Key Feature: A travel-focused co-branded card by Federal Bank and fintech firm Scapia. It became instantly popular for offering Zero Forex Markup and unlimited domestic lounge access (spend-based), operating on the RuPay network for UPI payments.

b) AU SPONT RuPay Credit Card (Launched: September 2025)
Key Feature: Designed specifically for UPI users. It rewards users with "Coins" for UPI transactions made via the AU 0101 app and offers cashback on other spends.

c) PhonePe Wish Credit Card (Launched: August 2025)
Key Feature: Launched in partnership with Utkarsh Small Finance Bank, this is a credit-builder card backed by a Fixed Deposit (FD), designed to help users with no credit history enter the credit ecosystem.

d) SBM MobiKwik First Card (Launched: May 2025)
Key Feature: A prepaid-credit hybrid secured by an FD, offering 100% digital onboarding and UPI capabilities.

3. Co-Branded & Banking Partnership Cards
a) BoM SBI Card (Launched: August 2025)
Key Feature: A partnership between Bank of Maharashtra and SBI Card. Launched in three variants (ELITE, PRIME, and SimplySAVE) to cover different customer segments from premium to entry-level.

b) Unity Bank BharatPe Credit Card (Launched: August 2025)
Key Feature: A co-branded card targeted at merchants and consumers, featuring EMI-driven credit options to simplify high-value purchases.

4. New Network Variant: "RuPay Ekaa"
In late 2025 (around the Global Fintech Fest in August/September), RuPay introduced its new super-premium network variant called "Ekaa". Several banks launched or announced cards on this platform:
a) PNB Luxura RuPay Ekaa Credit Card: A super-premium offering from Punjab National Bank with luxury benefits.

b) Kotak White Reserve RuPay Ekaa Card: A new variant of the existing White Reserve card on the Ekaa platform.

c) Union Bank Metal Int Nexteria RuPay Ekaa Card: A metal card offering from Union Bank of India.
Click to expand...
AU Spont was launched in 2024. Not this year.

You have missed out all the PhonePe SBI and HDFC cards.

And then there is HSBC Cashback rupay Card launched this year.
 
Upvote 1 Downvote
Krishna Kumar said:
AU Spont was launched in 2024. Not this year.

You have missed out all the PhonePe SBI and HDFC cards.

And then there is HSBC Cashback rupay Card launched this year.
Click to expand...
Also Scapia was launched in long back, but it was paused for sometime and they relaunched it this year. Technically I think we cannot count scapia as launch of this year.
 
Upvote 0 Downvote
Best: SBI Phonepe Select Black ( deadly combination of online shopping and utility payments)

HSBC TravelOne : Absolutely go to card for frequent travelers.

Worst : Kotak Cashback+ : Another underwhelming card from Kotak which does not justify the fees

Slice Credit card: Over glorified, complicated card with base reward rate is 1% (not for everyone), Supermoney Pro is way better.
 
Upvote 2 Downvote
drsel said:
I have made a list of the cards which were launched only in 2025.

1. Premium & Lifestyle Cards
a) HSBC TravelOne Credit Card (Launched: January 2025)
Key Feature: The first credit card from HSBC India focused purely on travel transfers. It allows 1:1 transfer of reward points to multiple airline and hotel partners (like Accor, Singapore Airlines, etc.) with zero capping on transfers at launch.

b) RBL Bank LUMIÈRE Credit Card (Launched: November 2025)
Key Feature: An ultra-premium, invitation-only metal card (18g weight). It is designed for high-net-worth individuals (HNIs) with a fee of ₹50,000, offering luxury travel and concierge perks.

c) RBL Bank NOVA Credit Card (Launched: November 2025)
Key Feature: A premium metal card positioned below the LUMIÈRE, targeting frequent travelers with high reward rates on flight/hotel bookings and dining benefits.

2. Fintech & UPI-First Cards
a) Scapia Federal Credit Card (Launched: June 2025)
Key Feature: A travel-focused co-branded card by Federal Bank and fintech firm Scapia. It became instantly popular for offering Zero Forex Markup and unlimited domestic lounge access (spend-based), operating on the RuPay network for UPI payments.

b) AU SPONT RuPay Credit Card (Launched: September 2025)
Key Feature: Designed specifically for UPI users. It rewards users with "Coins" for UPI transactions made via the AU 0101 app and offers cashback on other spends.

c) PhonePe Wish Credit Card (Launched: August 2025)
Key Feature: Launched in partnership with Utkarsh Small Finance Bank, this is a credit-builder card backed by a Fixed Deposit (FD), designed to help users with no credit history enter the credit ecosystem.

d) SBM MobiKwik First Card (Launched: May 2025)
Key Feature: A prepaid-credit hybrid secured by an FD, offering 100% digital onboarding and UPI capabilities.

3. Co-Branded & Banking Partnership Cards
a) BoM SBI Card (Launched: August 2025)
Key Feature: A partnership between Bank of Maharashtra and SBI Card. Launched in three variants (ELITE, PRIME, and SimplySAVE) to cover different customer segments from premium to entry-level.

b) Unity Bank BharatPe Credit Card (Launched: August 2025)
Key Feature: A co-branded card targeted at merchants and consumers, featuring EMI-driven credit options to simplify high-value purchases.

4. New Network Variant: "RuPay Ekaa"
In late 2025 (around the Global Fintech Fest in August/September), RuPay introduced its new super-premium network variant called "Ekaa". Several banks launched or announced cards on this platform:
a) PNB Luxura RuPay Ekaa Credit Card: A super-premium offering from Punjab National Bank with luxury benefits.

b) Kotak White Reserve RuPay Ekaa Card: A new variant of the existing White Reserve card on the Ekaa platform.

c) Union Bank Metal Int Nexteria RuPay Ekaa Card: A metal card offering from Union Bank of India.
Click to expand...
You missed roar bank 🦁
 
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