Which Credit Card Is Best in 2025? A Complete Guide Based on Your Needs

Rohan KadamRohan Kadam
3 min read

Choosing the best credit card isn't about which one is most popular—it’s about which card matches your lifestyle, spending habits, and financial goals. With hundreds of options available in India, it can get overwhelming. That’s why we’ve broken it down based on categories like rewards, cashback, travel, and more.

Let’s find out which credit card is best for you in 2025.


1. Best Credit Card for Online Shopping: HDFC Millennia Credit Card

  • Annual Fee: ₹1,000 (waived on spending ₹1 lakh/year)

  • Benefits:

    • 5% cashback on Amazon, Flipkart, Swiggy, Zomato

    • 1% cashback on all other online spends

    • Airport lounge access (domestic)

Why it’s best: Ideal for millennials and frequent online shoppers. Apply Swiploan.


2. Best Cashback Credit Card: Axis Bank Ace Credit Card

  • Annual Fee: ₹499 (waived on ₹2 lakh annual spend)

  • Benefits:

    • 5% cashback on bill payments via Google Pay

    • 2% cashback on other spends

    • 4 free domestic lounge visits/year

Why it’s best: Simple, no-fuss cashback model with great everyday savings. Apply Swoploan.


3. Best Travel Credit Card: SBI Card ELITE

  • Annual Fee: ₹4,999

  • Benefits:

    • Complimentary Club Vistara membership

    • 8 free domestic and 6 international lounge visits/year

    • Exclusive travel & hotel deals

Why it’s best: Perfect for frequent flyers and premium users. Apply Swiploan.


4. Best Lifetime Free Credit Card: IDFC FIRST Classic Credit Card

  • Annual Fee: ₹0 for life

  • Benefits:

    • Up to 10X rewards on select spends

    • Zero interest on cash withdrawals for 48 days

    • No late fees up to a certain limit

Why it’s best: No annual fee, flexible rewards, and great for beginners. Apply Swiploan.


5. Best Premium Credit Card: HDFC Infinia (Metal Edition)

  • Annual Fee: ₹12,500 (Invite-only)

  • Benefits:

    • Unlimited airport lounge access (domestic + international)

    • 5 reward points per ₹150 spent

    • Complimentary Club Marriott, golf sessions, travel concierge

  • Why it’s best: Premium lifestyle card with world-class perks. Apply Swiploan.


Compare at a Glance

Card NameBest ForKey PerksFee (₹)
HDFC MillenniaOnline shopping5% cashback on top apps1,000
Axis Bank AceCashback5% on utilities via GPay499
SBI ELITETravelLounge access, flight discounts4,999
IDFC FIRST ClassicFree CardLifetime free, high rewards0
HDFC InfiniaPremiumLuxury benefits, unlimited lounge access12,500

Which One Should You Choose?

  • Beginner/New to Credit: IDFC FIRST Classic or HDFC MoneyBack+

  • Online Shopper: HDFC Millennia or Amazon Pay ICICI Card

  • Travel Enthusiast: SBI ELITE or HDFC Regalia

  • Want Cashback: Axis Ace or Standard Chartered Smart

  • Luxury Lifestyle: HDFC Infinia or Axis Magnus


Final Thoughts

There’s no one-size-fits-all answer to "Which credit card is best?" It really depends on your lifestyle, income, and financial goals. Evaluate your spending patterns and choose a card that rewards your everyday behavior.

Tip: Don’t chase multiple cards without purpose. Start with one that offers the most value for your specific lifestyle, and build your credit profile responsibly. To Know More To Connect Swiploan.

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Written by

Rohan Kadam
Rohan Kadam