Top 7 Credit Cards in India for 2025: Based on Real Usage Trends and User Preferences
New Delhi, January 2025:
The Indian credit card market is witnessing steady growth as users increasingly look for financial products that offer long-term value. With more people shifting to digital spending, the demand for credit cards that provide cashback, lounge access, low forex markup, and other real-world benefits has grown significantly.
According to data compiled by CardMela.com — a leading credit card comparison platform — the following seven credit cards have emerged as the most popular among Indian users in 2025. These selections are based on application trends, approval ratios, and user satisfaction scores across major spending categories.
HDFC Millennia Credit Card remains the top choice for young urban professionals. It offers 5% cashback on Amazon, Flipkart, Swiggy, and Zomato, along with 1% cashback on other spends. With a ₹1,000 annual fee that’s waived on ₹1 lakh yearly spending, it delivers consistent value for everyday use.
SBI SimplyCLICK Credit Card continues to dominate among first-time cardholders and online shoppers. It provides 10X rewards on select e-commerce partners, a renewal voucher, and a straightforward rewards program. With a low income requirement and wide acceptance, it remains one of the most frequently approved cards in India.
Axis Bank Atlas Credit Card has gained traction among frequent flyers. It offers Travel Edge Miles for all transactions, airport lounge access (domestic and international), and milestone-based bonus rewards. It’s ideal for users who travel frequently and want flexibility in air mile redemption.
ICICI Amazon Pay Credit Card is another high-volume choice, especially for Prime members. It offers 5% cashback as Amazon Pay balance with no joining or annual fee, and a seamless reward structure that requires minimal tracking or effort.
HDFC Regalia Credit Card continues to maintain popularity among users looking for premium lifestyle features at a reasonable fee. It offers international lounge access, 4 reward points per ₹150 spent, and milestone rewards, making it ideal for frequent business travelers.
Tata Neu Plus HDFC Credit Card is gaining popularity within the Tata brand ecosystem. Users earn NeuCoins on spends at Tata CLiQ, Croma, BigBasket, and other Tata platforms, making it a natural choice for families and urban shoppers who regularly use Tata-owned services.
AU Bank LIT Credit Card has introduced a new concept of customizable rewards. Users can activate categories such as fuel, dining, travel, or online shopping as per their need — month by month. The flexibility and in-app control system have made it one of the most unique offerings currently in the market.
These cards represent India’s growing preference for functionality, flexibility, and long-term gain over short-term offers. They are selected not just for flashy sign-up bonuses, but for consistent value, transparent terms, and ease of use across all demographics.
With digital payments becoming the default for groceries, travel, and bills, credit cards are now lifestyle tools — helping users save money, earn rewards, and manage expenses. For anyone looking to apply for a credit card in 2025, understanding your own spending habits is more important than simply choosing the most advertised card.
CardMela offers a simplified comparison tool to help users find the card that matches their lifestyle, credit score, and financial goals. Whether you’re a frequent flyer, online shopper, or someone who just wants to save on everyday purchases — there’s a card built for you.