Credit Cards in India - Honest Review after 3 years experience.
Credit Cards in India for 2025
Choosing the right credit card can help you maximize rewards, save on expenses, and enjoy exclusive benefits. Here are some of the credit cards in India, offering free membership, cashback, and reward points.
1. HSBC Platinum Credit Card
Lifetime Free Credit Card (Subject to Bank’s Terms & Conditions) | No Joining or Annual Fees
Key Benefits:
- Earn 2 Reward points for every Rs 150 spent.
- 5X Reward Points (10 points per Rs 150 spent) on purchases above Rs 4,00,000 annually.
- Redeem points for Air miles (2 Reward points = 1 Air Mile/Intermile) with InterMiles, British Airways, and Singapore Airlines.
- Amazon Voucher worth Rs 500 on transactions of Rs 5,000+ within the first 30 days.
- Buy 1 Get 1 Free on BookMyShow (max Rs 250) on Saturdays.
Additional Offers:
- Upto Rs 500 discount on Amazon (EMI transactions only).
- Upto 15% off on EazyDiner (minimum spend Rs 2,500).
- Upto Rs 5,000 off at Croma stores & online (valid on weekends).
- Fuel surcharge waiver: Save upto Rs 3,000 annually.
Eligibility:
- Age: 21 to 65 years
- Salaried only, minimum monthly income Rs 55,000
- Cibil Score: 750+
- Available in all major cities
Documents Required:
- Address & ID Proof
- Income Proof
- PAN Card/Form 60
Note: This is an affiliate link, and we may earn a commission if you apply through this link. This does not affect your benefits.
2. Axis MyZone Credit Card
Great for Shopping, Dining, and Entertainment!
Key Benefits:
- Complimentary SonyLiv Premium Subscription worth Rs 999.
- Flat Rs 120 off on Swiggy (min order Rs 500, twice per month).
- BOGO offer on Paytm Movies (Max discount Rs 200 per month).
- Cashback directly adjustable in your statement.
- Rs 1,000 off on AJIO (minimum spend Rs 2,999).
- 4 Complimentary Lounge Access per year (1 per quarter).
Eligibility:
- Age: 21 to 65 years
- Salaried (Rs 15,000/month) or Self-Employed (Rs 30,000/month)
- Cibil Score: 730+
- New to credit not allowed
Documents Required:
- PAN Card/Form 60
- Address & ID Proof
- Income Proof
Note: This is an affiliate link, and we may earn a commission if you apply through this link. This does not affect your benefits.
3. RBL Bank Shoprite Credit Card
Best for Grocery Shopping & Everyday Spends!
Key Benefits:
- 20 Reward Points per Rs 100 spent on groceries (1 RP = Rs 0.25).
- 1 Reward Point per Rs 100 on other purchases.
- 10% discount on movie tickets on BookMyShow (max Rs 100, 15 times a year).
- Fuel surcharge waiver upto Rs 100 per month.
- No joining fee; annual fee waived based on spending.
Eligibility:
- Age: 21 to 65 years
- Salaried: Rs 15,000+ per month
- Self-employed: ITR of Rs 2 lakh/year
- Cibil Score: 720+
- New to credit not allowed
Documents Required:
- Aadhaar Authentication (for KYC)
- PAN Card/Form 60
- Address & ID Proof
Note: This is an affiliate link, and we may earn a commission if you apply through this link. This does not affect your benefits.
4. IndusInd Platinum Credit Card
Ideal for Travel, Lifestyle, and Golf Benefits!
Key Benefits:
- Lifetime Free Credit Card (Subject to Bank’s Terms & Conditions) | No joining/annual fee.
- Earn 1.5 Reward Points per Rs 150 spent (1 RP = Rs 0.65).
- 1% fuel surcharge waiver at all petrol pumps.
- Complimentary travel insurance under ICICI Lombard Travel Plus.
- Rs 25 lakh personal air accident cover.
Additional Offers:
- Rs 400 off on Ajio (orders above Rs 2,000).
- Rs 100 off on F&B at PVR (orders above Rs 350).
- 15% off on Lifestyle purchases (min order Rs 1,999).
- Upto Rs 1,000 off on EaseMyTrip flight & hotel bookings.
- 15% discount on EazyDiner (max Rs 500, min order Rs 1,500).
Eligibility:
- Age: 21 to 65 years
- Salaried: Rs 20,000/month | Self-Employed: Rs 30,000/month
- Cibil Score: 650+
- No delayed payments in the last 12 months
- New to credit allowed
Documents Required:
- Aadhaar & PAN Number (No physical documents needed)
- Income Proof
Note: This is an affiliate link, and we may earn a commission if you apply through this link. This does not affect your benefits.
Conclusion
Each of these credit cards offers unique benefits catering to different needs, from travel and shopping to dining and fuel savings. Choose the one that aligns best with your spending habits and lifestyle!
My Favorite Credit Card is HSBC. Click here to Apply Now.
Disclaimer: Credit card benefits, eligibility, and offers may change over time. Please check the official bank websites for the latest updates.
Note: There are few affiliate link, and we may earn a commission if you apply through this link. This does not affect your benefits.
This website is an independent review platform and is not affiliated with any bank or financial institution. Information provided is for educational purposes only.