What Credit Card Is Best for Me in 2025? Compare Rewards, Fees & Benefits
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Indialends, 24 Jun 2025

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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 hereIndiaLends Credit Card Portal 
Check your credit score instantlyFree Score Checker 

 

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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