Best Credit Card 2025 | Best Credit Cards | Credit Cards

HDFC Swiggy Credit Card Link
https://tinyurl.com/y93bnh6d

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SBI Cashback Credit Card
https://tinyurl.com/324xyjhm

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SBI BPCL Octane Credit Card - Best Fuel Card
https://tinyurl.com/2wwfhds3
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IDFC Power Plus Credit Card:
https://tinyurl.com/3xc425s5
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RBL Indian Oil XTRA Credit Card
https://secure.traqkarr.com/click?pid...

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Tata Neu - HDFC Credit Card
https://tinyurl.com/hpv82cam

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Kiwi Credit Card
https://tinyurl.com/6vw64b59

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HDFC Bank Credit Cards Link
https://tinyurl.com/29m4ksnt

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Axis Bank Flipkart Credit Card Apply Link
https://tinyurl.com/mux6fe3j
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Airtel Axis Bank Credit Card Apply Link
https://tinyurl.com/mux6fe3j
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Amazon ICICI Credit Card Apply Link
https://bitlii.cc/OP/kxnlztodl03

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About This Video :

Choosing the best credit card in India depends on your spending habits, preferences, and what kind of benefits you're looking for. Credit cards typically offer rewards points, cashback, travel benefits, and more. Here are some of the top options based on different needs:

1. Best for Travel:
HDFC Regalia Credit Card:
Key Benefits: Premium travel benefits, airport lounge access, reward points on international and domestic spends, and a comprehensive travel insurance cover.
Annual Fee: ₹2,500
Reward Points: 2 reward points per ₹150 spent.
SBI Card Elite:
Key Benefits: Welcome vouchers, access to international and domestic airport lounges, 6,000 reward points as a welcome gift, and discounts on dining and movie tickets.
Annual Fee: ₹4,999
Reward Points: 2 reward points per ₹100 spent.
2. Best for Cashback:
Citi Cashback Credit Card:
Key Benefits: Up to 5% cashback on all purchases made at supermarkets, departmental stores, and more.
Annual Fee: ₹500
Cashback: 5% on certain categories, 0.5% on all other spends.
Amazon Pay ICICI Credit Card:
Key Benefits: 5% cashback on Amazon purchases, 1% cashback on all other purchases, and no annual fee.
Annual Fee: ₹0
Cashback: 5% on Amazon, 1% on all other spends.
3. Best for Rewards:
American Express Membership Rewards Credit Card:
Key Benefits: High reward points on both online and offline spends, great for people who travel and shop a lot.
Annual Fee: ₹1,000
Reward Points: 1 point per ₹50 spent.
Axis Bank Ace Credit Card:
Key Benefits: 5% cashback on bill payments, mobile recharges, and more; 2% cashback on other spends.
Annual Fee: ₹499
Cashback/Rewards: 5% on select categories.
4. Best for Everyday Use:
HDFC MoneyBack Credit Card:
Key Benefits: Cashback on every transaction, with an emphasis on online spends.
Annual Fee: ₹500
Cashback: 2% on online spends, 1% on others.
Standard Chartered Smart Credit Card:
Key Benefits: 5% cashback on grocery and utility bill payments, 1% cashback on other spends.
Annual Fee: ₹499
Cashback: 5% on certain categories.
5. Best for Shopping:
Flipkart Axis Bank Credit Card:
Key Benefits: 5% cashback on Flipkart and Myntra, 1.5% cashback on all other purchases.
Annual Fee: ₹500
Cashback: 5% on Flipkart, 1.5% on all other spends.
Amazon Pay ICICI Credit Card:
Key Benefits: 5% cashback on Amazon purchases and 1% cashback on all other purchases.
Annual Fee: ₹0
Cashback: 5% on Amazon, 1% on other spends.
6. Best for Building Credit History (for beginners):
ICICI Bank Platinum Chip Credit Card:
Key Benefits: Low annual fee, easy eligibility for first-time credit card users, basic rewards on purchases.
Annual Fee: ₹199
Reward Points: 2 points for every ₹100 spent.
Factors to Consider When Choosing a Credit Card:
Annual Fees: Some cards have no annual fees or offer fee waivers based on your spending, while others may charge a higher fee but offer more perks.
Rewards Structure: Look at how rewards are earned (e.g., points, cashback, etc.) and what categories you spend most in.
Additional Benefits: Check for benefits like airport lounge access, complimentary insurance, discounts on dining, and exclusive offers.
Interest Rates: Consider the interest rate charged for balances carried forward and any late payment fees if you’re not able to pay off the full amount.
Conclusion:
If you're a traveler, you might like cards that offer lounge access and travel rewards (e.g., HDFC Regalia, SBI Card Elite).
If you’re looking for cashback, the Citi Cashback or Amazon Pay ICICI Credit Card might suit you.
For reward points, you can consider the American Express Membership Rewards card