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Blogs > What Credit Card Is Best for Me in 2025? | Compare Cards by Rewards, Fees & Benefits
Introduction: Why “One-Size-Fits-All” Doesn’t Work for Credit Cards
India now has over 110 million active credit cards (RBI Data). But with so many options—cashback, rewards, lifestyle, fuel—how do you choose the right one for YOU?
Instead of guessing, this blog helps you find the answer based on your income, lifestyle, and spending pattern.
We also compare only those credit cards available on IndiaLends—so you can apply instantly.
Step 1: Understand Your Spending Type
User Type | Monthly Spend (₹) | Top Categories | Card Type You Need |
Online Shopper | ₹10K–₹30K | Amazon, Flipkart, Myntra | Cashback or Co-branded |
Salaried Professional | ₹30K–₹75K | Travel, Dining, Groceries | Reward Points or Lifestyle |
Premium Spender | ₹1L+ | Flights, Dining, Golf | Travel or Super Premium |
Credit Builder | ₹5K–₹20K | Essentials | Entry-Level or Lifetime Free |
Step 2: Top Credit Cards on IndiaLends (2025)
All the following credit cards are listed and can be applied directly on IndiaLends.com:
1. Amazon Pay ICICI Bank Credit Card
Annual Fee: ₹0 (Lifetime Free)
Best For: Amazon users, students, budget spenders
Key Benefits:
5% cashback on Amazon (Prime)
1% on all other transactions
No expiry on rewards
2. Flipkart Axis Bank Credit Card
Annual Fee: ₹500
Best For: Flipkart, Myntra, Swiggy shoppers
Key Benefits:
5% cashback on Flipkart
4% on Swiggy & Myntra
1.5% on all other spends
3. HDFC Regalia Credit Card
Annual Fee: ₹2,500
Best For: Travel and lounge benefits
Key Benefits:
12 airport lounge visits/year
Travel insurance coverage
High rewards on dining & international spends
4. IDFC FIRST Millennia Credit Card
Annual Fee: ₹0 (Lifetime Free)
Best For: Students & first-time users
Key Benefits:
3X to 10X reward points
Dynamic interest rates (as low as 9%)
No annual, over-limit or late fees
5. SBI Card Unnati (Secured)
Annual Fee: ₹0 for first 4 years
Best For: Credit builders, new users
Key Benefits:
Secured against FD
Earn 1 reward point per ₹100 spent
Ideal for credit score improvement
Step 3: Data-Driven Comparison
Card Name | Annual Fee | Best For | Effective Cashback / Rewards | Free Lounge Access |
Amazon Pay ICICI | ₹0 | Online Shopping | ~3% avg cashback | ❌ |
Flipkart Axis Bank | ₹500 | Flipkart/Myntra | ~5% on partner brands | ❌ |
HDFC Regalia | ₹2,500 | Travel/Lifestyle | ~3.5% value on points | ✅ 12/year |
IDFC FIRST Millennia | ₹0 | Everyday Use | 3X–10X rewards | ❌ |
SBI Unnati (Secured) | ₹0 for 4 Y | Credit Builders | Basic rewards | ❌ |
🔍 Step 4: Let Your Credit Score Decide
Your credit score plays a big role in what card you can get approved for. Use a tool like CIBIL Score Checker or check it free on IndiaLends Credit Score.
Credit Score Range | Card Suggestions Available on IndiaLends |
750+ | HDFC Regalia, Axis Flipkart |
700–750 | Amazon Pay ICICI, IDFC Millennia |
650–700 | SBI Unnati (Secured) |
< 650 | Build credit with secured cards |
Tip: Maximize ROI With Card-Usage Strategy
Let’s say you use Flipkart often:
Monthly spend: ₹15,000
Card: Flipkart Axis
Annual Cashback: ₹9,000+
Fee: ₹500
Net ROI: ₹8,500 → 17x return on fee
Same for Amazon Prime users:
Monthly spend: ₹12,000
Card: Amazon Pay ICICI
Fee: ₹0
ROI: Infinity (free + savings)
Expert Tip: Don't Just Look at Rewards — Look at Hidden Fees
📌 Late Payment Charges: Ranges from ₹100–₹1,300
📌 Forex Mark-up Fees: 3.5% on most cards
📌 Over-limit Charges: Avoid cards with strict thresholds
Always check fee structures on IndiaLends’ Credit Card Pages.
FAQs: Still Confused Which Card to Pick?
Q1. I want a card with ZERO annual fee. What’s best?
→ Try IDFC Millennia or Amazon Pay ICICI.
Q2. I travel a lot – which one should I go for?
→ HDFC Regalia offers airport lounge access + insurance.
Q3. What if I have no credit history?
→ Get a SBI Unnati Secured Card or a card against FD.
Final Take: Your Perfect Credit Card Awaits
Whether you’re shopping online, booking flights, or just starting your financial journey—there’s a card on IndiaLends that fits you.
Compare and apply here → IndiaLends Credit Card Portal
Check your credit score instantly → Free Score Checker
