🏆 Top 7 Credit Cards in India for 2025 – Ranked by Real Users
Updated: July 2025
Author: Team CardMela | Based on 2,000+ verified reviews
With 100+ credit cards in India, it’s tough to decide which one’s actually worth it. That’s why we analyzed 2,000+ user reviews, Reddit feedback, and Google Play ratings to create a real ranking — not sponsored, not biased.
Here are the Top 7 Credit Cards in India (2025) – ranked purely by real user experience.
🔝 User-Rated Top 7 Credit Cards (2025)
| Rank | Credit Card | Best For | Fee | Lounge Access | Apply Now |
|---|---|---|---|---|---|
| 1 | Axis Bank Ace | UPI + Bill Cashback | ₹499 | 4 domestic/year | Apply Now |
| 2 | HDFC Millennia | Cashback on Online Shopping | ₹1,000 | 8 domestic/year | Apply Now |
| 3 | Amazon Pay ICICI | Lifetime Free + Amazon Use | ₹0 | No | Apply Now |
| 4 | HDFC Infinia | Premium Travel | ₹12,500 | Unlimited Intl + Dom | Apply Now |
| 5 | IDFC FIRST Select | LTF + Lounge Access | ₹0 (LTF) | 8/year + Railway | Apply Now |
| 6 | Swiggy HDFC | Food Delivery Cashback | ₹500 | 1–2/quarter | Apply Now |
| 7 | SBI SimplySAVE | First-time Users | ₹499 | No | Apply Now |
1️⃣ Axis Bank Ace – India’s Favorite Cashback Card
User Rating: 4.6/5
- 5% cashback on utility bills (Google Pay)
- 2% on other spends
- ₹499 fee waived on ₹2L/year spend
- Lounge: 4 domestic/year
✅ Best card for salaried users paying rent, bills, UPI spends
2️⃣ HDFC Millennia – Trusted by Online Shoppers
User Rating: 4.5/5
- 5% cashback on Amazon, Flipkart, Swiggy
- 8 complimentary lounge visits/year
- ₹1,000 fee waived on ₹1L spend
✅ Ideal for regular e-commerce spenders
3️⃣ Amazon Pay ICICI – Most Rated Lifetime Free Card
User Rating: 4.4/5
- 5% cashback for Prime, 3% for non-Prime
- No annual fee, no expiry of cashback
✅ Zero-cost card with guaranteed cashback
4️⃣ HDFC Infinia – Luxury + Unlimited Travel
User Rating: 4.8/5
- Unlimited domestic + international lounge access
- 3.3% reward rate on all spends
- Concierge, hotel, golf, Taj benefits
✅ Top-tier card for high-income users
5️⃣ IDFC FIRST Select – Best Lifetime Free All-Rounder
User Rating: 4.3/5
- LTF card with no joining/annual fee
- Lounge access (8 domestic + 1 intl)
- Railway lounge support
✅ Perfect for mid-income users wanting travel + rewards
6️⃣ Swiggy HDFC Credit Card – Foodie’s Dream Card
User Rating: 4.2/5
- 10% cashback on Swiggy, Instamart, Dineout
- ₹500 fee, easily recoverable via cashback
- 1–2 complimentary lounges/quarter
✅ Best for Gen Z & Swiggy users
7️⃣ SBI SimplySAVE – Entry-Level Hero
User Rating: 4.1/5
- ₹499 joining fee, waived on ₹1L spend
- 10x rewards on groceries, dining, movies
✅ Good for students and first-timers building credit
📈 Why These Cards Ranked High
These rankings are based on:
- Real user reviews (Google Play, forums, Reddit, Quora)
- Card usage + benefit redemption ease
- Lounge & cashback usability
- Fee-to-benefit ratio
❓ Which One Should You Pick?
| Use-Case | Best Card |
|---|---|
| Cashback + UPI | Axis Bank Ace |
| Amazon shopping | Amazon Pay ICICI |
| Online Spends + Lounges | HDFC Millennia |
| Premium Travel | HDFC Infinia |
| LTF with Lounge Access | IDFC FIRST Select |
| Swiggy & Food | Swiggy HDFC |
| First-Time Users | SBI SimplySAVE |
Still unsure? Use our Card Selector Tool 👇
👉 Find My Perfect Credit Card
📌 Final Word
The Indian credit card market in 2025 is all about value + versatility. Users want cashback + lounge + zero fee — and these cards deliver.
From Axis Ace to Amazon ICICI to HDFC Infinia — the top 7 credit cards ranked above are trusted by users across India. Pick the one that suits your lifestyle and start saving from Day 1.
Whether you’re looking for cashback, travel rewards, fuel savings, or lifetime free cards — CardMela helps you compare, analyze, and choose the credit card that fits your lifestyle perfectly. We partner with leading partners to bring you exclusive offers and detailed insights, so you can make smart financial decisions with confidence.
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