Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino

TechnoFino · Tuesday at 2:30 PM

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best suits your preferences.

[A humble request: If you wish to apply for any credit card from the list, kindly use the link provided here and at the bottom of this post, as it will contribute to supporting our community.

Apply For SBI Cashback Credit Card: Click Here To Apply
Apply For ICICI Amazon Pay Credit Card: Click Here To Apply
Apply For ICICI Coral RuPay Credit Card: Click Here To Apply
Apply For Lifetime Free IDFC First Credit Cards: Click Here To Apply
Apply For American Express Credit Cards: Click Here To Apply
Apply For HDFC Tata Neu Credit Cards (LTF - Offer): Click Here To Apply
Apply For HSBC Live+ Credit Card: Click Here To Apply
Apply For HDFC Bank Credit Card: Click Here To Apply (Millennia, DCP - LTF Offer)
Apply For HDFC Bank Swiggy Credit Card (LTF - Offer): Click Here To Apply
Apply For AU Bank Credit Card: Click Here To Apply
Upgrade Your Other Bank Credit Card To AU Bank Credit Card: Click Here To Apply
Apply For Axis Atlas Credit Card: Click Here To Apply
Apply For Axis Magnus Credit Card: Click Here To Apply
Apply For Standard Charted Smart Credit Card: Click Here To Apply
Apply For Lifetime Free IndusInd Bank Credit Card: Click Here To Apply
Apply For Lifetime Free IndusInd Bank Tiger Credit Card: Click Here To Apply
Apply For Lifetime Free Kiwi Yes Bank Credit Card: Click Here To Apply
Apply For IDFC First Bank Mayura Credit Card: Click Here To Apply
Apply For IDFC Power Plus Credit Card: Click Here To Apply
Apply For RBL Indian Oil XTRA Credit Card: Click Here To Apply

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[Best Credit Cards 2025 Category-wise (YouTube Video): Watch The Video On YouTube (coming soon, Link will be added)]

List as of 02-01-2025

Best Credit Cards For Online Shopping:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other website	No capping
Entry Level (Fees upto Rs. 1,000)	SBI Cashback Credit Card	Cashback	5% Cashback	Maximum cashback: Rs. 5000 per statement.
	HDFC Bank Swiggy Credit Card	Cashback	5% Cashback on select online categories	Maximum Cashback: 5% Category: Rs. 1500 per statement
	HDFC Millennia Credit Card	Cashback	5% Cashback on Amazon, Flipkart, Myntra.	Maximum Cashback: 5% Category: Rs. 1000 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Axis Atlas Credit Card	Airmiles	4% Airmiles	No capping
	Yes Marquee Credit Card	Reward Points	4.50% Reward Points	Maximum capping: 1L YES Rewardz Points per statement cycle.
	SC Ultimate	Reward Points	3.33% Reward Points	No capping
	Amex Platinum Travel	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get Taj voucher worth Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	Upto 16.66% via smartbuy, 3.33% directly	Maximum 15000 reward points can be earned via smarbuy portal & Maximum 200000 reward points can be earned directly per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	Upto 16.66% via smartbuy, 3.33% directly	Maximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
	ICICI Emeralde Private Metal Credit Card	Reward Points	3% Reward Points	No capping
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	No Capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Magnus Burgundy Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No Capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No Capping

Best Credit Cards For Utility Bill Payments:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	2% Cashback via Amazon Pay, 1% Cashback directly	No capping. A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
Entry Level (Fees upto Rs. 1,000)	Axis ACE Credit Card	Cashback	5% Cashback via Google Pay	Maximum cashback: Rs. 500 per statement.
	Axis Airtel Credit Card	Cashback	25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App. 10% Cashback on other utility bill payment via Airtel Thanks app.	Maximum cashback: 25% category: Rs. 250 per statement. 10% category: Rs. 250 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	HDFC Tata Neu Infinity Credit Card	Cashback	5% Cashback as Neu Coin Via Tata Neu App	Maximum 2000 Neu Coin per month.
	SBI Vistara Prime Credit Card	Airmiles	2% Air India Points	No capping
	SC Ultimate	Reward Points	2% Reward Points	No Capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 2000 reward points can be earned per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 2000 reward points can be earned per statement.
	HDFC Biz Black Credit Card	Reward Points/Airmiles	Upto 16.67% Reward Points	Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
	ICICI Emedalde Private Metal	Reward Points	3% Reward Points	Maximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For UPI Payments (RuPay UPI System):

Card Type	Card Name	Card's Reward Type	Reward	Minimum Transaction Value Required For Earning Rewards	Capping
Lifetime Free	Yes Bank RuPay UPI Credit Card (Virtual)	Reward Point	1%	Rs. 2001 per transaction	Maximum 5000 Reward Points per statement.
	Kiwi Yes Bank RuPay UPI Credit Card	Cashback	1%	No Capping	No Capping
	IndusInd Rupay Platinum Credit Card	Reward Points	0.7% (Cashback)/ 2% (Vistara CV Points)	Rs 100 per transaction	No Capping
Entry Level (Fees upto Rs. 1,000)	Kotak Myntra RuPay Credit Card	Cashback	1.25%	Rs. 2001 per transaction	No Capping
	HDFC Tata Neu Plus Credit Card	Cashback	1% Neu Coin via Tata Neu App.	No Capping	Maximum 500 Neu Coins per statement.
	BOB Snapdeal Credit Card	Reward Point	1%	No Capping	No Capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)	HDFC Tata Neu Infinity Credit Card	Cashback	1.50% Neu Coin via Tata Neu App.	No Capping	Maximum 500 Neu Coins per statement.
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	N/A

Best Credit Cards For Insurance Premium Payments:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	2% Cashback via Amazon Pay, 1% if paid directly	No capping
	Scapia Credit Card	Reward Points	2%	No capping
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2% Cashback	Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	SC Ultimate Credit Card	Reward Points	2% Reward Points	No capping
	SBI Vistara Prime Credit Card	Airmiles	2% Air India Points	No capping
	HDFC Tata Neu Infinity Credit Card	Cashback	5% Neu Coin Via Tata Neu App	Maximum 2000 neu coin per day.
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No base MR points on insurance spends.
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 5000 reward points can be earned per day & maximum 2,00,000 reward points can be earned per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Movie Tickets:

Card Type	Card Name	Offer Details	Discount Amount	Capping
Lifetime Free	IndusInd Legend Credit Card	Buy 1 Get 1 Free offer on bookmyshow & Additional ₹50 off on Food	Rs. 200 per ticket	Maximum 1 free ticket per month
	Indusind Tiger Credit Card	Get a complimentary ticket every 6 months	Rs. 500 per ticket	Offer can be used once every 6 months.
	Federal Bank Celesta Credit Card	Buy 1 Get 1 Free offer on bookmyshow Buy 1 Get 1 Free offer on Inox	Rs. 250 per ticket on BMS Rs. 100 per ticket on Inox	BMS: Offer can be used maximum 2 times per month & Maximum 2 discounted tickets per transaction. Inox: Maximum 1 free ticket per month.
	IDFC First Wealth Credit Card	Buy one ticket and get one free on District app by Zomato	Rs. 250 per ticket	Maximum 2 free tickets per month.
	IDFC First Select Credit Card	Buy one ticket and get one free on District app by Zomato	Rs. 125 per ticket	Maximum 2 free tickets per month.
Entry Level (Fees upto Rs. 1,000)	RBL Play Credit Card	Get discount of Rs. 500 every month at BookMyShow and get Rs. 100 worth of food and beverages	Rs. 500 per month	You need to spend Rs. 5,000 per billing cycle to use this offer.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Indusind Bank Eazydiner Signature Credit Card	Get 2 free movie ticket per month on bookmyshow	Rs. 200	Offer can be used 2 times every month.
	Yes Marquee Credit Card	Buy one ticket and get one free on bookmyshow	Rs. 800 per ticket	Maximum 3 discounted tickets per month.
Super Premium (Fees: Rs. 5001 to 12500)	IndusInd Bank Heritage Metal Credit Card	Get 4 complimentary movie tickets per quarter on bookmyshow	Rs. 1000 per ticket	Offer can be used ones per quarter.
	SBI Aurum Credit Card	Get 4 free tickets per month on bookmyshow	Rs. 250 per ticket	Maximum 2 tickets can be booked per transaction and total 4 tickets in a month.
	ICICI Emeralde Private Metal Credit Card	Buy 1 and get 1 free ticket on bookmyshow	Rs. 750 per ticket	Maximum 2 free tickets can be booked in a month.
	Yes Private Credit Card	Buy 1 and get 1 free ticket on bookmyshow	No discount capping	Maximum 4 free tickets can be booked in a month.
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Buy 1 and get 1 free ticket on bookmyshow	Rs. 500	Maximum 5 free tickets can be booked in a month.
	Axis One/ Burgundy Private Credit Card	Buy 1 and get 1 free ticket on bookmyshow	Rs. 500	Maximum 5 free tickets can be booked in a month.
	HSBC Premier Credit Card	Buy 1 and get 1 free ticket on bookmyshow	Rs. 750 per ticket	Maximum 2 free tickets can be booked in a month.
	Axis Olympus Credit Card	Buy 1 and get 1 free ticket on bookmyshow	Rs. 650 per ticket	Maximum 2 free tickets can be booked per month.

Best Credit Cards For Dining Out (Offline):

Card Type	Card Name	Card's Reward Type	Offer/Reward	Capping
Lifetime Free	Indusind Bank Eazydiner Platinum Credit Card	Instant Discount	Avail EXTRA 20% OFF upto Rs. 500 when you eat out & pay on the app via PayEazy. This offer is valid on take-away as well.	This offer is capped at 3 times usage a calendar month. And this offer will not be applicable if consecutive transactions are made at the same restaurant within the gap of 120 minutes or less
Entry Level (Fees upto Rs. 1,000)	HDFC Swiggy Credit Card	Cashback	10% cashback on Swiggy Dineout.	Maximum cashback Rs. 1500 per billing cycle.
	HSBC Live+ Credit Card	Cashback	10% cashback on dining.	Maximum cashback Rs. 1000 per billing cycle.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Indusind EazyDiner Signature Credit Card	Instant Discount	Avail EXTRA 25% OFF upto Rs. 1000 when you eat out & pay on the app via PayEazy. This offer is valid on take-away as well.	The offer will not be applicable if consecutive transactions are made at the same restaurant within the gap of 120 minutes or less.
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)	Axis Magnus Credit Card	Reward Points	30% off upto Rs. 1000 on eazydiner.	Minimum order value should be Rs. 3000 & offer valid once per month.
	IndusInd Bank Indulge, Crest, Celesta, Explorer Credit Card	Reward Points	Instant discount of Rs. 3000 per card on eazydiner bill payment via payeazy	Offer can be used once every 6 months per card.
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Reward Points/Airmiles	30% off upto Rs. 1000 on eazydiner.	Minimum order value should be Rs. 3000 & offer valid once per month.
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	30% off upto Rs. 1000 on eazydiner.	Minimum order value should be Rs. 3000 & offer valid once per month.
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	30% off upto Rs. 1000 on eazydiner.	Minimum order value should be Rs. 3000 & offer valid once per month.
	IndusInd Bank Heritage Metal Credit Card	Reward Points/Airmiles	Instant discount of Rs. 3000 per card on eazydiner bill payment via payeazy	Offer can be used once every 6 months per card.

Best Credit Cards For Food Ordering (Online):

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	NA
Entry Level (Fees upto Rs. 1,000)	HDFC Swiggy Credit Card	Cashback	10% Cashback on Swiggy.	Maximum cashback ₹1500 per statement.
	HSBC Live+ Credit Card	Cashback	10% cashback on all online food ordering.	Maximum cashback Rs. 1000 per statement.
	Axis Airtel Credit Card	Cashback	10% cashback on zomato and swiggy.	Maximum cashback Rs. 500 per statement.
	SBI Cashback Credit Card	Cashback	5% cashback on all online food ordering.	Maximum cashback Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)
Luxury (Fees more than Rs. 12500)	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Grocery Transactions:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	5% cashback on amazon fresh for amazon prime members. (non prime members will earn only 3% cashback)	No capping
Entry Level (Fees upto Rs. 1,000)	Axis Airtel Credit Card	Cashback	10% cashback on Bigbasket.	Maximum cashback Rs. 500 per statement.
	HSBC Live+ Credit Card	Cashback	10% cashback on all grocery spends.	Maximum cashback Rs. 1000 per statement.
	HDFC Swiggy Credit Card	Cashback	10% cashback on Swiggy instamart spends.	Maximum cashback Rs. 1500 per statement.
	Axis Flipkart Credit Card	Cashback	5% cashback on flipkart grocery.	No capping
	SBI Cashback Credit Card	Cashback	5% cashback on all online grocery spends.	Maximum cashback Rs. 5000 per statement.
	IDFC First Power+ Credit Card	Reward Points	5% valueback on all grocery spends.	Maximum spends capping Rs. 2000 per statement. (Maximum value back Rs. 100 per statement)
	HDFC Tata Neu Infinity Credit Card	Reward Points	5% value back (Neu coin) on bigbasket via tata neu app. Plus 5% extra neu coin via tata neu pass. Total 10% value back.	No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Axis Atlas Credit Card	Airmiles	4% Airmiles	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)
Luxury (Fees more than Rs. 12500)	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Rent Payments:

Card Type	Card Name	Card's Reward Type	Reward	Fees	Effective Reward	Capping
Lifetime Free
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2%	1% + 18% GST	0.82%	Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	SC Ultimate Credit Card	Reward Points	2%	1% + 18% GST	0.82%	No capping
Super Premium (Fees: Rs. 5001 to 12500)	Axis Magnus Burgundy Credit Card	Reward Points/Airmiles	4.8% Airmiles	1% + 18% GST	3.62%	Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500)	HSBC Premier	Reward Points/Airmiles	3% Reward Points	1% + 18% GST	1.82%	No capping
	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	1% + 18% GST (max: Rs. 1500)	1.82%	Points accrued only up to ₹1L per statement
	Axis Primus Credit Card	Airmiles	5% Airmiles	No Fee	5%	No Capping

Best Credit Cards For Wallet Loading:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	1% Cashback	No capping
	IDFC First LTF Cards (Wealth/Select/Millennia/Classic Credit Card)	Reward Points	0.50%	No capping
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2% Cashback	Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	SC Ultimate Credit Card	Reward Points	3.33%	No capping
	Amex MRCC	Reward Points/Airmiles	Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month.	No capping
	Amex Gold Charge Card	Reward Points/Airmiles	Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month.	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Offline Transactions:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	1%	No capping
	Scapia Credit Card	Reward Points	2%	No capping
Entry Level (Fees upto Rs. 1,000)	Axis ACE Credit Card	Cashback	1.5%	No capping
	HSBC Live+ Credit Card	Cashback	1.5%	No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Axis Atlas Credit Card	Airmiles	4% Airmiles	No capping
	SC Ultimate Credit Card	Reward Points	3.33%	No capping
	Yes Marquee Credit Card	Reward Points	2.25%	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	3.33%	Maximum 2,00,000 reward points can be earned per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	3.33%	Maximum 75,000 reward points can be earned per statement.
	ICICI Emeralde Private Metal Credit Card	Reward Points	3%	No capping
	Yes Private Credit Card	Reward Points	2.5%	No capping
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Government Payments/Tax Payments:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	NA
	IDFC First Wealth Credit Card	Reward Points	0.5%	No capping
	IDFC First Select Credit Card	Reward Points	0.5%	No capping
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2%	Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	SC Ultimate Credit Card	Reward Points	2%	No capping
	YES Marquee Credit Card	Reward Points	1.25%	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	Yes Private Credit Card	Reward Points	2.5%	No capping
	HDFC BizBlack Credit Card	Reward Points/Airmiles	Upto 16.67% Reward Points	Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	DBS Vantage Credit Card	Reward Points	2% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Other Online Payments:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	Amazon Pay ICICI Credit Card	Cashback	1%	No capping
	Scapia Credit Card	Reward Points	2%	No capping
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2%	Maximum Cashback: Rs. 1000 per statement.
	SBI Cashback Credit Card	Cashback	5%	Maximum Cashback: Rs. 5000 per statement.
	Axis ACE Credit Card	Cashback	1.5%	No capping
	HSBC Live+ Credit Card	Cashback	1.5%	No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Axis Atlas Credit Card	Airmiles	4% Airmiles	No capping
	SC Ultimate Credit Card	Reward Points	3.33%	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	3.33%	Maximum 2,00,000 reward points can be earned per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	3.33%	Maximum 75,000 reward points can be earned per statement.
	HDFC Biz Black Credit Card	Reward Points/Airmiles	3.33%	No Capping
	ICICI Emeralde Private Metal Credit Card	Reward Points	3%	No capping
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3%	No capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Fuel Purchases:

Card Type	Card Name	Card's Reward Type	Reward	Surcharge Waiver
Lifetime Free	N/A
Entry Level (Fees upto Rs. 1,000)	IDFC First Bank HPCL Power+ Credit Card	Reward Points	Earn 5% Reward Point on expenses of up to ₹12,000 every month, plus earn 1.5% value back as HP Happy Coins if used via HP Pay app, upto Rs. 10000 per month.	Not Available
Mid Range (Fees: Rs. 1001 to Rs. 5000)	SBI BPCL OCTANE Credit Card	Reward Points	Earn 6.25% on expenses upto Rs. 10,000 per statement.	1% surcharges waiver on expenses of up to Rs 10,000 per statement.
	IndianOil RBL Bank XTRA Credit Card	Reward Points	Earn 7.50% on expenses upto Rs. 13,400 per statement.	1% surcharges waiver on expenses of up to Rs 20,000 per statement.
	Amex Gold Charge Card	Reward Points/Airmiles	Upto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel. Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month.	0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
	Amex MRCC	Reward Points/Airmiles	Upto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel. No reward points on fuel spends.	0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No reward points on fuel spends.	0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	Axis Primus Credit Card	Airmiles	5% Airmiles	1% of the transaction amount gets refunded for fuel transactions between Rs. 400 to Rs. 10,000. per Statement Cycle
	HSBC Premier Credit Card	Reward Points/Airmiles	3%

Best Credit Cards For International Transactions:

Card Type	Card Name	Card's Reward Type	Reward	Markup Fees	Additional Benefits	Effective Reward Rate	Capping
Lifetime Free	IDFC First WOW Credit Card	Reward Points	0.67%	Nil	Nil	0.67%	No capping
	Scapia Credit Card	Reward Points	Nil	Nil	Nil	Nil	Not Applicable
Entry Level (Fees upto Rs. 1,000)	SBI Cashback Credit Card	Cashback	5% (Online spends)	3.50%		0.87%	Maximum Cashback: Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)	RBL World Safari Credit Card	Reward Points	Nil	Nil	Spend 7.5L in a year & get reward of worth Rs. 20,500	Directly: Nil Milestone: 2.73% (If you spend 7.5L in a year)	Not Applicable
	BOB Eterna Credit Card	Reward Points/Cashback	3.75% (Online)	2% + GST	Nil	1.39%	Maximum expenses upto Rs 33,350
	Yes Marquee Credit Card	Reward Points	4.5% (online) & 2.25% (offline)	1% + GST	Nil	3.32% (online) & 1.07% (offline)	No capping
Super Premium (Fees: Rs. 5001 to 12500)	Yes Private Credit Card	Reward Points	5%	0.50% + GST	Nil	4.41%	No capping
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Reward Points/Airmiles	6% Airmiles	1.50% + GST	Nil	4.23% Airmiles*	No capping
	Axis Olympus Credit Card	Airmiles	8% Airmiles	1.8% + GST	Nil	5.88% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	2%+GST	Nil	2.44%	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	Nil	Nil	6%	No capping
	Axis Primus	Airmiles	5% Airmiles	Nil	Nil	5%	No capping
	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	0.99% + GST	Nil	1.83%	No capping
	Indusind Pioneer Heritage Metal Credit Card	Reward Points	2.5% Reward Points	Nil	Nil	2.5%	No capping
	Amex Platinum Charge Card	Reward Points/Airmiles	7.5% MR Points or Marriott Points/3.75% Airmiles	3.50%	Nil	3.37% MR or Marriott Points/ (-)0.38% Airmiles	No capping
	DBS Vantage Credit Card	Reward Points	4% Reward Points	1.75%	Upto 10,000 bonus points on spends of ₹5,00,000 in a calendar quarter. Or 40,000 bonus points on spends of ₹20,00,000 in a calendar year.	1.93% Reward Points	No capping

Best Credit Cards For Domestic Airport Lounge Access:

Card Type	Card Name	Primary Card Lounge Access Limit	Spend Requirements	Available For Add-on Card Holders (Y/N)	Guest Access
Lifetime Free	Scapia Credit Card	Unlimited	Rs. 10,000 in a month	No	Not Available
Entry Level (Fees upto Rs. 1,000)	N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)	BOB Eterna Credit Card	Unlimited	Rs. 40,000 in last quarter.	Yes, Unlimited	Not Available
Super Premium (Fees: Rs. 5001 to 12500)	Yes Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	HDFC Infinia Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	HDFC Diners Club Black Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	ICICI Emeralde Private Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	Axis Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	Not Available
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Olympus Credit Card	Unlimited	Nil	Yes, Unlimited	10 Free guest access
	Axis Burgundy Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	Not Available
	Axis One / Burgundy Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Primus Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	HSBC Premier Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available

Best Credit Cards For International Airport Lounge Access:

Card Type	Card Name	Primary Card Lounge Access Limit	Spend Requirements	Available For Add-on Card Holders (Y/N)	Guest Access (Per Year)
Lifetime Free	IDFC First Wealth	2 per quarter	Spent ₹20,000 in a month to get access next month.	Yes, Shared limit	Not Available
Entry Level (Fees upto Rs. 1,000)	N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)	Yes Marquee Credit Card	Unlimited	Nil	Yes, Unlimited	4 Free guest access
Super Premium (Fees: Rs. 5001 to 12500)	Yes Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	HDFC Infinia Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	HDFC Diners Club Black Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	ICICI Emeralde Private Metal Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available
	Axis Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	No	4 Free guest access
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Olympus Credit Card	Unlimited	Nil	Yes, Unlimited	10 Free guest access
	HSBC Premier Credit Card	Unlimited	Nil	Yes, Unlimited	8 Free guest access
	Axis Burgundy Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	4 Free guest access
	Axis One / Burgundy Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Primus Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access

Best Credit Cards For Railway Lounge Access:

Card Type	Card Name	Domestic Lounge Limit	Spend Requirements
Lifetime Free	IDFC First Millennia Credit Card	4 per quarter	Nil
	IDFC First Classic Credit Card	4 per quarter	Nil
	IDFC First Select Credit Card	4 per quarter	Nil
	IDFC First Wealth Credit Card	4 per quarter	Nil
	AU Small Finance Bank Xcite Ace Credit Card	2 per quarter	Nil
	AU Small Finance Bank Xcite Ultra Credit Card	2 per quarter	Nil
	ICICI Coral Rupay Credit Card	1 per quarter	Nil
Entry Level (Fees upto Rs. 1,000)	AU Small Finance Bank Altura Credit Card	2 per quarter	Nil
Mid Range (Fees: Rs. 1001 to Rs. 5000)	N/A
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	N/A

Note: The plastic versions of the HDFC Infinia and HDFC Diners Club Black (DCB) cards have the same earning rates as their metal counterparts.

Credit Card Application Links: [Our affiliate links]

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Apply For HDFC Bank Credit Card: Click Here To Apply (Millennia, DCP - LTF Offer)
Apply For HDFC Bank Swiggy Credit Card (LTF - Offer): Click Here To Apply
Apply For AU Bank Credit Card: Click Here To Apply
Upgrade Your Other Bank Credit Card To AU Bank Credit Card: Click Here To Apply
Apply For Axis Atlas Credit Card: Click Here To Apply
Apply For Axis Magnus Credit Card: Click Here To Apply
Apply For Standard Charted Smart Credit Card: Click Here To Apply
Apply For Lifetime Free IndusInd Bank Credit Card: Click Here To Apply
Apply For Lifetime Free IndusInd Bank Tiger Credit Card: Click Here To Apply
Apply For Lifetime Free Kiwi Yes Bank Credit Card: Click Here To Apply
Apply For IDFC First Bank Mayura Credit Card: Click Here To Apply
Apply For IDFC Power Plus Credit Card: Click Here To Apply
Apply For RBL Indian Oil XTRA Credit Card: Click Here To Apply

So, those are some of the best credit cards available in the Indian market right now. Select the best card for you and earn amazing rewards from your spending. Remember, choosing the right credit card is key. No single credit card can be the best for everyone. A card that works well for me might be completely unsuitable for you because our spending habits differ.
And don't forget to apply for a credit card using our affiliate link, so that you contribute to running this community website.
Happy reward earning!
Cheers 🥂

vega · Tuesday at 2:34 PM

For BOB Snapdeal Credit Card upi, 500 capping has been removed.

sameer100 · Tuesday at 2:58 PM

For movies, ICICI suphhiro card should be added.

TechnoFino · Tuesday at 3:02 PM

sameer100 said:
For movies, ICICI suphhiro card should be added.

daily quota, and high annual fees.

CyberPsych · Tuesday at 3:02 PM

Sad to see only one credit card for fuel in "entry level" category. (That too IDFC which is not seviceable like other common banks known)

What about Axis IOCL, etc

pgarg24 · Tuesday at 3:17 PM

With effect from 1-Sep-2024,
NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month. NeuCoins earned on Telecom & Cable transactions will be capped at 2,000 NeuCoins per calendar month.
Please update in table for utility payment 🙂

Lalit · Tuesday at 3:37 PM

Please add the section for education payment also

rm1011 · Tuesday at 4:28 PM

The fee for Magnus Burgundy is incorrect in the rent payment table.

Vineet_ · Tuesday at 4:38 PM

I believe here Airtel axis won't work for swiggy instamart please anyone look it is exclusive only for zomato , swiggy food order including bigbasket or it has changed due to mcc ?

From january 2025 bob capping removed for earn reward points on snapdeal .

dexter_greycells · Tuesday at 4:40 PM

OP, excellent compilation. Obviously, you will get a lot "But you didn't include XYZ card". That's alright. Hoping that newbies and oldies read this thread before posting threads like "Which new CC to get in 2025?", "Help optimize my CC portfolio" etc.

Karwaabhishek · Tuesday at 4:47 PM

For movies, AU zenith+ is also good given that it gives back the fees in points and you only pay GST amount. 4 quarterly 1+1 movie tickets on BMS with 500 rs capping. It also has good number of lounge entries and 1 meet and greet every quarter. All for effective fees of 900. This card does deserve a place in this list somewhere.

sourpai · Tuesday at 4:50 PM

rm1011 said:
The fee for Magnus Burgundy is incorrect in the rent payment table.

What is the correct fee according to you then?

harsha1 · Tuesday at 6:33 PM

Please create similar list for Debit Cards as well, if possible. By reading different different threads I am learning it but still if it's consolidated as above table, annual charges , rewards points, cashback etc will be helpful... Thanks...😇

ppac18 · Tuesday at 7:05 PM

Is Eterna still giving RPs for wallet loads?

robimahanta · Tuesday at 7:10 PM

DBS Vantage is great for international transactions and tax payments

Brijesh Ghosh · Tuesday at 8:09 PM

TechnoFino said:
Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best suits your preferences.

[A humble request: If you wish to apply for any credit card from the list, kindly use the link provided here and at the bottom of this post, as it will contribute to supporting our community.

Apply For SBI Cashback Credit Card: Click Here To Apply

Apply For ICICI Amazon Pay Credit Card: Click Here To Apply

Apply For ICICI Coral RuPay Credit Card: Click Here To Apply

Apply For Lifetime Free IDFC First Credit Cards: Click Here To Apply

Apply For American Express Credit Cards: Click Here To Apply

Apply For HDFC Tata Neu Credit Cards (LTF - Offer): Click Here To Apply

Apply For HSBC Live+ Credit Card: Click Here To Apply

Apply For HDFC Bank Credit Card: Click Here To Apply (Millennia, DCP - LTF Offer)

Apply For HDFC Bank Swiggy Credit Card (LTF - Offer): Click Here To Apply

Apply For AU Bank Credit Card: Click Here To Apply

Upgrade Your Other Bank Credit Card To AU Bank Credit Card: Click Here To Apply

Apply For Axis Atlas Credit Card: Click Here To Apply

Apply For Axis Magnus Credit Card: Click Here To Apply

Apply For Standard Charted Smart Credit Card: Click Here To Apply

Apply For Lifetime Free IndusInd Bank Credit Card: Click Here To Apply

Apply For Lifetime Free IndusInd Bank Tiger Credit Card: Click Here To Apply

Apply For Lifetime Free Kiwi Yes Bank Credit Card: Click Here To Apply

Apply For IDFC First Bank Mayura Credit Card: Click Here To Apply

Apply For IDFC Power Plus Credit Card: Click Here To Apply

Apply For RBL Indian Oil XTRA Credit Card: Click Here To Apply

]

[Best Credit Cards 2025 Category-wise (YouTube Video): Watch The Video On YouTube (coming soon, Link will be added)]

Best Credit Cards For Online Shopping:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other website No capping
Entry Level (Fees upto Rs. 1,000) SBI Cashback Credit Card Cashback 5% Cashback Maximum cashback: Rs. 5000 per statement.
HDFC Bank Swiggy Credit Card Cashback 5% Cashback on select online categories Maximum Cashback:
5% Category: Rs. 1500 per statement
HDFC Millennia Credit Card Cashback 5% Cashback on Amazon, Flipkart, Myntra. Maximum Cashback:
5% Category: Rs. 1000 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
Yes Marquee Credit Card Reward Points 4.50% Reward Points Maximum capping: 1L YES Rewardz Points per statement cycle.
SC Ultimate Reward Points 3.33% Reward Points No capping
Amex Platinum Travel Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get Taj voucher worth Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 15000 reward points can be earned via smarbuy portal & Maximum 200000 reward points can be earned directly per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% Reward Points No capping
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles No Capping
Axis Olympus Credit Card Airmiles 4% Airmiles No capping
Axis Magnus Burgundy Credit Card Reward Points/Airmiles 4.8% Airmiles No capping
Axis One/Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles No Capping
Axis Primus Credit Card Airmiles 5% Airmiles No Capping

Best Credit Cards For Utility Bill Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% Cashback directly No capping.
A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 5% Cashback via Google Pay Maximum cashback: Rs. 500 per statement.
Axis Airtel Credit Card Cashback 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
10% Cashback on other utility bill payment via Airtel Thanks app. Maximum cashback:
25% category: Rs. 250 per statement.
10% category: Rs. 250 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 5% Cashback as Neu Coin Via Tata Neu App Maximum 2000 Neu Coin per month.
SBI Vistara Prime Credit Card Airmiles 2% Air India Points No capping
SC Ultimate Reward Points 2% Reward Points No Capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 2000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 2000 reward points can be earned per statement.
HDFC Biz Black Credit Card Reward Points/Airmiles Upto 16.67% Reward Points Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
ICICI Emedalde Private Metal Reward Points 3% Reward Points Maximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For UPI Payments (RuPay UPI System):

Card Type Card Name Card's Reward Type Reward Minimum Transaction Value Required For Earning Rewards Capping
Lifetime Free Yes Bank RuPay UPI Credit Card (Virtual) Reward Point 1% Rs. 2001 per transaction Maximum 5000 Reward Points per statement.
Kiwi Yes Bank RuPay UPI Credit Card Cashback 1% No Capping No Capping
IndusInd Rupay Platinum Credit Card Reward Points 0.7% (Cashback)/ 2% (Vistara CV Points) Rs 100 per transaction No Capping
Entry Level (Fees upto Rs. 1,000) Kotak Myntra RuPay Credit Card Cashback 1.25% Rs. 2001 per transaction No Capping
HDFC Tata Neu Plus Credit Card Cashback 1% Neu Coin via Tata Neu App. No Capping Maximum 500 Neu Coins per statement.
BOB Snapdeal Credit Card Reward Point 1% No Capping No Capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 1.50% Neu Coin via Tata Neu App. No Capping Maximum 500 Neu Coins per statement.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Insurance Premium Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% if paid directly No capping
Scepia Credit Card Reward Points 2% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 2% Reward Points No capping
SBI Vistara Prime Credit Card Airmiles 2% Air India Points No capping
HDFC Tata Neu Infinity Credit Card Cashback 5% Neu Coin Via Tata Neu App Maximum 2000 neu coin per day.
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No base MR points on insurance spends.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Movie Tickets:

Card Type Card Name Offer Details Discount Amount Capping
Lifetime Free IndusInd Legend Credit Card Buy 1 Get 1 Free offer on bookmyshow & Additional ₹50 off on Food Rs. 200 per ticket Maximum 1 free ticket per month
Indusind Tiger Credit Card Get a complimentary ticket every 6 months Rs. 500 per ticket Offer can be used once every 6 months.
Federal Bank Celesta Credit Card Buy 1 Get 1 Free offer on bookmyshow
Buy 1 Get 1 Free offer on Inox Rs. 250 per ticket on BMS
Rs. 100 per ticket on Inox BMS: Offer can be used maximum 2 times per month & Maximum 2 discounted tickets per transaction.
Inox: Maximum 1 free ticket per month.
IDFC First Wealth Credit Card Buy one ticket and get one free on District app by Zomato Rs. 250 per ticket Maximum 2 free tickets per month.
IDFC First Select Credit Card Buy one ticket and get one free on District app by Zomato Rs. 125 per ticket Maximum 2 free tickets per month.
Entry Level (Fees upto Rs. 1,000) RBL Play Credit Card Get discount of Rs. 500 every month at BookMyShow and get Rs. 100 worth of food and beverages Rs. 500 per month You need to spend Rs. 5,000 per billing cycle to use this offer.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Indusind Bank Eazydiner Signature Credit Card Get 2 free movie ticket per month on bookmyshow Rs. 200 Offer can be used 2 times every month.
Yes Marquee Credit Card Buy one ticket and get one free on bookmyshow Rs. 800 per ticket Maximum 3 discounted tickets per month.
Super Premium (Fees: Rs. 5001 to 12500) IndusInd Bank Heritage Metal Credit Card Get 4 complimentary movie tickets per quarter on bookmyshow Rs. 1000 per ticket Offer can be used ones per quarter.
SBI Aurum Credit Card Get 4 free tickets per month on bookmyshow Rs. 250 per ticket Maximum 2 tickets can be booked per transaction and total 4 tickets in a month.
ICICI Emeralde Private Metal Credit Card Buy 1 and get 1 free ticket on bookmyshow Rs. 750 per ticket Maximum 2 free tickets can be booked in a month.
Yes Private Credit Card Buy 1 and get 1 free ticket on bookmyshow No discount capping Maximum 4 free tickets can be booked in a month.
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Buy 1 and get 1 free ticket on bookmyshow Rs. 500 Maximum 5 free tickets can be booked in a month.
Axis One/ Burgundy Private Credit Card Buy 1 and get 1 free ticket on bookmyshow Rs. 500 Maximum 5 free tickets can be booked in a month.
HSBC Premier Credit Card Buy 1 and get 1 free ticket on bookmyshow Rs. 750 per ticket Maximum 2 free tickets can be booked in a month.
Axis Olympus Credit Card Buy 1 and get 1 free ticket on bookmyshow Rs. 650 per ticket Maximum 2 free tickets can be booked per month.

Best Credit Cards For Dining Out (Offline):

Card Type Card Name Card's Reward Type Offer/Reward Capping
Lifetime Free Indusind Bank Eazydiner Platinum Credit Card Instant Discount Avail EXTRA 20% OFF upto Rs. 500 when you eat out & pay on the app via PayEazy. This offer is valid on take-away as well. This offer is capped at 3 times usage a calendar month. And this offer will not be applicable if consecutive transactions are made at the same restaurant within the gap of 120 minutes or less
Entry Level (Fees upto Rs. 1,000) HDFC Swiggy Credit Card Cashback 10% cashback on Swiggy Dineout. Maximum cashback Rs. 1500 per billing cycle.
HSBC Live+ Credit Card Cashback 10% cashback on dining. Maximum cashback Rs. 1000 per billing cycle.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Indusind EazyDiner Signature Credit Card Instant Discount Avail EXTRA 25% OFF upto Rs. 1000 when you eat out & pay on the app via PayEazy. This offer is valid on take-away as well. The offer will not be applicable if consecutive transactions are made at the same restaurant within the gap of 120 minutes or less.
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 15% off on swiggy dineout upto Rs 1000 per month. offer valid on first 2 transactions of the month.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 10% off on swiggy dineout upto Rs 500 per month. offer valid on first 2 transactions of the month.
Axis Magnus Credit Card Reward Points 30% off upto Rs. 1000 on eazydiner. Minimum order value should be Rs. 3000 & offer valid once per month.
IndusInd Bank Indulge, Crest, Celesta, Explorer Credit Card Reward Points Instant discount of Rs. 3000 per card on eazydiner bill payment via payeazy Offer can be used once every 6 months per card.
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 30% off upto Rs. 1000 on eazydiner. Minimum order value should be Rs. 3000 & offer valid once per month.
Axis Burgundy Magnus Credit Card Reward Points/Airmiles 30% off upto Rs. 1000 on eazydiner. Minimum order value should be Rs. 3000 & offer valid once per month.
Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 30% off upto Rs. 1000 on eazydiner. Minimum order value should be Rs. 3000 & offer valid once per month.
IndusInd Bank Heritage Metal Credit Card Reward Points/Airmiles Instant discount of Rs. 3000 per card on eazydiner bill payment via payeazy Offer can be used once every 6 months per card.

Best Credit Cards For Food Ordering (Online):

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free NA
Entry Level (Fees upto Rs. 1,000) HDFC Swiggy Credit Card Cashback 10% Cashback on Swiggy. Maximum cashback ₹1500 per statement.
HSBC Live+ Credit Card Cashback 10% cashback on all online food ordering. Maximum cashback Rs. 1000 per statement.
Axis Airtel Credit Card Cashback 10% cashback on zomato and swiggy. Maximum cashback Rs. 500 per statement.
SBI Cashback Credit Card Cashback 5% cashback on all online food ordering. Maximum cashback Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)
Luxury (Fees more than Rs. 12500) Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Grocery Transactions:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 5% cashback on amazon fresh for amazon prime members. (non prime members will earn only 3% cashback) No capping
Entry Level (Fees upto Rs. 1,000) Axis Airtel Credit Card Cashback 10% cashback on Swiggy instamart & Bigbasket. Maximum cashback Rs. 500 per statement.
HSBC Live+ Credit Card Cashback 10% cashback on all grocery spends. Maximum cashback Rs. 1000 per statement.
HDFC Swiggy Credit Card Cashback 10% cashback on Swiggy instamart spends. Maximum cashback Rs. 1500 per statement.
Axis Flipkart Credit Card Cashback 5% cashback on flipkart grocery. No capping
SBI Cashback Credit Card Cashback 5% cashback on all online grocery spends. Maximum cashback Rs. 5000 per statement.
IDFC First Power+ Credit Card Reward Points 5% valueback on all grocery spends. Maximum spends capping Rs. 2000 per statement. (Maximum value back Rs. 100 per statement)
HDFC Tata Neu Infinity Credit Card Reward Points 5% value back (Neu coin) on bigbasket via tata neu app. Plus 5% extra neu coin via tata neu pass. Total 10% value back. No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)
Luxury (Fees more than Rs. 12500) Axis Burgundy Magnus Credit Card Reward Points/Airmiles 4.8% Airmiles No capping
Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles No capping
Axis Olympus Credit Card Airmiles 4% Airmiles No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Rent Payments:

Card Type Card Name Card's Reward Type Reward Fees Effective Reward Capping
Lifetime Free
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% 1% + 18% GST 0.82% Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 2% 1% + 18% GST 0.82% No capping
Super Premium (Fees: Rs. 5001 to 12500) Axis Magnus Burgundy Credit Card Reward Points/Airmiles 4.8% Airmiles 1% + 18% GST 3.62% Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500) HSBC Premier Reward Points/Airmiles 3% Reward Points 1% + 18% GST 1.82% No capping
Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles 1% + 18% GST (max: Rs. 1500) 1.82% Points accrued only up to ₹1L per statement
Axis Primus Credit Card Airmiles 5% Airmiles No Fee 5% No Capping

Best Credit Cards For Wallet Loading:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% Cashback No capping
IDFC First LTF Cards (Wealth/Select/Millennia/Classic Credit Card) Reward Points 0.50% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum Cashback: Rs. 1000 per statement.
BOB Eterna Credit Card Reward Points 3.75% Maximum expenses upto Rs 33,350 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 3.33% No capping
Amex MRCC Reward Points/Airmiles Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month. No capping
Amex Gold Charge Card Reward Points/Airmiles Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month. No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Offline Transactions:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Scepia Credit Card Reward Points 2% No capping
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 1.5% No capping
HSBC Live+ Credit Card Cashback 1.5% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Yes Marquee Credit Card Reward Points 2.25% No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Yes Private Credit Card Reward Points 2.5% No capping
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles No capping
Axis Burgundy Magnus Credit Card Reward Points/Airmiles 4.8% Airmiles No capping
Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles No capping
HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Olympus Credit Card Airmiles 4% Airmiles No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Government Payments/Tax Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free NA
IDFC First Wealth Credit Card Reward Points 0.5% No capping
IDFC First Select Credit Card Reward Points 0.5% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 2% No capping
YES Marquee Credit Card Reward Points 1.25% No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.5% No capping
HDFC BizBlack Credit Card Reward Points/Airmiles Upto 16.67% Reward Points Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Other Online Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Scepia Credit Card Reward Points 2% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
SBI Cashback Credit Card Cashback 5% Maximum Cashback: Rs. 5000 per statement.
Axis ACE Credit Card Cashback 1.5% No capping
HSBC Live+ Credit Card Cashback 1.5% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
HDFC Biz Black Credit Card Reward Points/Airmiles 3.33% No Capping
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% No capping
Axis Olympus Credit Card Airmiles 4% Airmiles No capping
Axis Burgundy Magnus Credit Card Reward Points/Airmiles 4.8% Airmiles No capping
Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles No capping
Axis Primus Credit Card Airmiles 5% Airmiles No capping

Best Credit Cards For Fuel Purchases:

Card Type Card Name Card's Reward Type Reward Surcharge Waiver
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) IDFC First Bank HPCL Power+ Credit Card Reward Points Earn 5% Reward Point on expenses of up to ₹12,000 every month, plus earn 1.5% value back as HP Happy Coins if used via HP Pay app, upto Rs. 10000 per month. Not Available
Mid Range (Fees: Rs. 1001 to Rs. 5000) SBI BPCL OCTANE Credit Card Reward Points Earn 6.25% on expenses upto Rs. 10,000 per statement. 1% surcharges waiver on expenses of up to Rs 10,000 per statement.
IndianOil RBL Bank XTRA Credit Card Reward Points Earn 7.50% on expenses upto Rs. 13,400 per statement. 1% surcharges waiver on expenses of up to Rs 20,000 per statement.
Amex Gold Charge Card Reward Points/Airmiles Upto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel.
Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month. 0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Amex MRCC Reward Points/Airmiles Upto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel.
No reward points on fuel spends. 0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000
No reward points on fuel spends. 0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) Axis Primus Credit Card Airmiles 5% Airmiles 1% of the transaction amount gets refunded for fuel transactions between Rs. 400 to Rs. 10,000. per Statement Cycle
HSBC Premier Credit Card Reward Points/Airmiles 3%

Best Credit Cards For International Transactions:

Card Type Card Name Card's Reward Type Reward Markup Fees Additional Benefits Effective Reward Rate Capping
Lifetime Free IDFC First WOW Credit Card Reward Points 0.67% Nil Nil 0.67% No capping
Scapia Credit Card Reward Points Nil Nil Nil Nil Not Applicable
Entry Level (Fees upto Rs. 1,000) SBI Cashback Credit Card Cashback 5%
(Online spends) 3.50% 0.87% Maximum Cashback: Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) RBL World Safari Credit Card Reward Points Nil Nil Spend 7.5L in a year & get reward of worth Rs. 20,500 Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year) Not Applicable
BOB Eterna Credit Card Reward Points/Cashback 3.75% (Online) 2% + GST Nil 1.39% Maximum expenses upto Rs 33,350
Yes Marquee Credit Card Reward Points 4.5% (online) & 2.25% (offline) 1% + GST Nil 3.32% (online) & 1.07% (offline) No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 5% 0.50% + GST Nil 4.41% No capping
HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 6% Airmiles 1.50% + GST Nil 4.23% Airmiles* No capping
Axis Olympus Credit Card Airmiles 8% Airmiles 1.8% + GST Nil 5.88% Airmiles No capping
Axis Burgundy Magnus Credit Card Reward Points/Airmiles 4.8% Airmiles 2%+GST Nil 2.44% No capping
Axis One/ Burgundy Private Credit Card Reward Points/Airmiles 6% Airmiles Nil Nil 6% No capping
Axis Primus Airmiles 5% Airmiles Nil Nil 5% No capping
HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points 0.99% + GST Nil 1.83% No capping
Indusind Pioneer Heritage Metal Credit Card Reward Points 2.5% Reward Points Nil Nil 2.5% No capping
Amex Platinum Charge Card Reward Points/Airmiles 7.5% MR Points or Marriott Points/3.75% Airmiles 3.50% Nil 3.37% MR or Marriott Points/ (-)0.38% Airmiles No capping

Best Credit Cards For Domestic Airport Lounge Access:

Card Type Card Name Primary Card Lounge Access Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access
Lifetime Free Scepia Credit Card Unlimited Rs. 10,000 in a month No Not Available
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) BOB Eterna Credit Card Unlimited Rs. 40,000 in last quarter. Yes, Unlimited Not Available
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Spend Rs. 50,000 on the previous quarter Yes, Unlimited 4 Free guest access
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
Axis Olympus Credit Card Unlimited Nil Yes, Unlimited 10 Free guest access
Axis Burgundy Magnus Credit Card Unlimited Spend Rs. 50,000 on the previous quarter Yes, Unlimited 4 Free guest access
Axis One / Burgundy Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
Axis Primus Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HSBC Premier Credit Card Unlimited Nil Yes, Unlimited Not Available

Best Credit Cards For International Airport Lounge Access:

Card Type Card Name Primary Card Lounge Access Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access (Per Year)
Lifetime Free IDFC First Wealth 2 per quarter Spent ₹20,000 every month in last quarter. Yes, Shared limit Not Available
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) Yes Marquee Credit Card Unlimited Nil Yes, Unlimited 4 Free guest access
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Spend Rs. 50,000 on the previous quarter No 4 Free guest access
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
Axis Olympus Credit Card Unlimited Nil Yes, Unlimited 10 Free guest access
HSBC Premier Credit Card Unlimited Nil Yes, Unlimited 8 Free guest access
Axis Burgundy Magnus Credit Card Unlimited Spend Rs. 50,000 on the previous quarter Yes, Unlimited 4 Free guest access
Axis One / Burgundy Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
Axis Primus Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access

Best Credit Cards For Railway Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements
Lifetime Free IDFC First Millennia Credit Card 4 per quarter Nil
IDFC First Classic Credit Card 4 per quarter Nil
IDFC First Select Credit Card 4 per quarter Nil
IDFC First Wealth Credit Card 4 per quarter Nil
AU Small Finance Bank Xcite Ace Credit Card 2 per quarter Nil
AU Small Finance Bank Xcite Ultra Credit Card 2 per quarter Nil
ICICI Coral Rupay Credit Card 1 per quarter Nil
Entry Level (Fees upto Rs. 1,000) AU Small Finance Bank Altura Credit Card 2 per quarter Nil
Mid Range (Fees: Rs. 1001 to Rs. 5000) N/A
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

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Can you please make one like this for debit cards too?

gamersgzb · Tuesday at 8:33 PM

This post should also include something about where plastic DCB is equivalent to dcb metal..
As so many people have that via alumni offer and if you include this it will help people like us..
Currently dcb plastic is not mentioned anywhere in this post
@TechnoFino

Harish Agarwal · Tuesday at 9:03 PM

vega said:
For BOB Snapdeal Credit Card upi, 500 capping has been removed.

But kiwi is better

Harsha2000 · Tuesday at 9:11 PM

Hello I currently own an axis non burgundy variant of the axis Magnus credit card with limit 16.1 lakhs can I request for an upgrade? Where should I submit my request and which card should I request for?

prsnt_paul · Tuesday at 11:41 PM

vega said:
For BOB Snapdeal Credit Card upi, 500 capping has been removed.

Has anyone recently received the offer for additional BOB snapdeal card as LTF ??

Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino

Founder

TF Premier

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TF Ace

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TF Premier

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TF Select

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TF Buzz

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