Top 7 Credit Cards in India for 2025 – Ranked by Real Users
In 2025, with rising inflation and smarter digital spending, Indians are more conscious than ever about how their credit cards reward them. From cashback on food delivery to lounge access for frequent flyers, the right card can significantly impact your financial lifestyle.
Best Credit Cards in India with Airport Lounge Access – June 2025 Update
With increased domestic and international travel post-pandemic, airport lounge access has become one of the most in-demand features among Indian credit card users. Whether it’s to catch a meal before a delayed flight or to work comfortably during a layover, lounge access now plays a vital role in choosing the right credit card.
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SBI Elite Credit Card
SBI Elite Credit Card is a premium lifestyle card offering travel perks, movie tickets, international lounge access, and milestone benefits. It’s suitable for high-spenders seeking all-round benefits.
Annual Fee: ₹4,999 + GST (Get ₹5,000 e-gift voucher on joining)
Complimentary Club Vistara & Trident Privilege membership
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Top 7 Credit Cards in India for 2025 – Ranked by Real Users
In 2025, with rising inflation and smarter digital spending, Indians are more conscious than ever about how their credit cards reward them. From cashback on food delivery to lounge access for frequent flyers, the right card can significantly impact your financial lifestyle.
At CardMela, we analyzed thousands of user choices, approval rates, and real-world usage patterns to bring you a list of the most trusted and rewarding credit cards this year.
Below are the top seven credit cards that consistently delivered high value, satisfaction, and versatility.
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HSBC Platinum Credit Card
HSBC Platinum Credit Card offers value-packed rewards, zero joining fee, and global acceptance. It’s perfect for individuals seeking a no-cost card with lifestyle privileges.
Zero Joining & Annual Fee (Lifetime Free)
10% cashback up to ₹2,000 on first 60 days of spends
3X rewards on dining, telecom & hotels
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SBI Elite Credit Card
SBI Elite Credit Card is a premium lifestyle card offering travel perks, movie tickets, international lounge access, and milestone benefits. It’s suitable for high-spenders seeking all-round benefits.
Annual Fee: ₹4,999 + GST (Get ₹5,000 e-gift voucher on joining)
Complimentary Club Vistara & Trident Privilege membership
Free domestic & international airport lounge access