Big Billion Days. Great Indian Festival. Flash sales on Flipkart and Amazon. Every Indian shopper knows the adrenaline of saving big—and we at SavePlus India are here to supercharge your savings journey. If you're someone who loves Flipkart coupon codes, Paytm cashback, and wallet offers, then the right credit card isn’t just a payment tool—it’s your secret weapon. Below, we unveil the 11 best credit card offers in India for 2025, loaded with promo codes, shopping discounts, travel rewards, and more.

1. HDFC Millennia Credit Card – Cashback King for Millennials

The HDFC Millennia Credit Card is designed for India’s digitally savvy, cashback-seeking millennial generation. With strong benefits on shopping, dining, and travel, it rewards you across popular Indian platforms like Flipkart, Swiggy, and Amazon. Its accelerated cashback structure makes it ideal for high-frequency online shoppers. Whether you’re paying bills via PayZapp or streaming Netflix, you earn with every swipe. The card also features contactless payments and global usability. An annual fee waiver makes it affordable and appealing to budget-conscious earners.

• 5% cashback on Flipkart, Amazon, Myntra, and Swiggy ensures generous returns for every Indian e-shopper.
  
  
• Complimentary Zomato Gold membership adds extra value for those who dine out frequently and want savings.
  
  
• Earn 1% cashback on all other transactions with no redemption limits or exclusions on partner platforms.

Pro Tip: Use this card during festive campaigns like Great Indian Festival or Republic Day Sales to stack cashback with SavePlus promo codes.

SBI SimplyCLICK – The Best Card for Online Shoppers

SBI SimplyCLICK is one of the most widely held credit cards in India for a reason: it delivers exceptional value on online shopping. Its 10X reward structure with partner sites aligns perfectly with Indian shopping preferences. Consumers who frequently purchase from Cleartrip, UrbanClap, and BookMyShow find unmatched value. Additionally, the annual fee waiver upon reaching ₹1L spend is a great benefit for budget-watchers. The card has easy approval criteria, making it suitable for first-time credit users. Earned reward points are easy to redeem across partner stores.

• Earn 10X reward points on Amazon India, Cleartrip, UrbanClap, and BookMyShow for maximizing online returns.
  
  
• Spend ₹1L annually to get your renewal fee waived, which suits salaried individuals or small business owners.
  
  
• Avail of limited-time discounts on BigBasket, Ajio, and Domino’s through exclusive festive coupons.

Pro Tip: Combine your online purchases with SavePlus discount codes for Ajio and BookMyShow to maximize dual savings.

Axis Bank ACE Credit Card – Google Pay’s Favorite

The Axis ACE Credit Card is co-created with Google Pay, making it the perfect fit for India’s growing UPI user base. With high cashback on utility bills, DTH, and recharges, it's ideal for homemakers, salaried individuals, and digital-first users. The card rewards you handsomely for daily essentials while keeping annual charges minimal. Cashback is credited directly to your statement, ensuring transparency. If you prefer low-effort rewards on essentials, this card delivers month after month. You also enjoy savings on Ola and Swiggy, two of India’s most-used platforms.

• Get 5% cashback on electricity, mobile, gas, and broadband bill payments via Google Pay with no complex steps.
  
  
• Receive 4% cashback on dining, food delivery, and commute bookings through Swiggy, Zomato, and Ola in metro cities.
  
  
• 2% cashback on all other transactions makes it a consistent earner for both urban and semi-urban households.

Pro Tip: Automate your utility bill payments on Google Pay using this card to ensure uninterrupted savings.

ICICI Amazon Pay Credit Card – Prime Members’ Dream

This co-branded credit card from ICICI and Amazon India has won the loyalty of lakhs of Indian consumers. If you’re an Amazon Prime subscriber, you receive 5% cashback on every purchase made on Amazon India. Even non-Prime users enjoy a 3% cashback rate, which is competitive and simple. Cashback is credited as Amazon Pay balance, which is usable across thousands of services. The card is lifetime free, requiring no joining or renewal fees. You can even use this card for mobile recharges, UPI, and travel bookings.

• 5% cashback for Prime members and 3% for non-members on Amazon India ensures high savings on shopping essentials.
  
  
• Use Amazon Pay balance earned to pay for food delivery, bill payments, or flight tickets within Amazon's ecosystem.
  
  
• The card charges zero fees, making it ideal for budget-conscious users and students new to credit.

Pro Tip: Use this card during Amazon Prime Day or Great Freedom Sale and combine it with SavePlus Amazon coupons for the biggest returns.

Flipkart Axis Bank Credit Card – India’s Flash Sale Favourite

India’s love for Flipkart sales makes the Flipkart Axis Bank Credit Card a must-have. Co-branded to reward shopping behaviors on Flipkart and Myntra, it offers flat cashback instead of confusing reward points. Users benefit from additional discounts on Swiggy, Uber, and Cleartrip, making it a well-rounded card. It has built-in dining and travel privileges, ideal for families and solo travelers. With a modest annual fee, it’s accessible to a large portion of India's online shoppers. Lounge access is a cherry on top for frequent flyers.

• Enjoy 5% cashback on Flipkart and Myntra for every purchase including fashion, electronics, and groceries.
  
  
• Avail 4% cashback on Swiggy and Uber, turning everyday services into rewarding transactions.
  
  
• Additional 1.5% cashback on other purchases ensures you're rewarded even at offline kirana stores.

Pro Tip: Shop during Flipkart’s Big Billion Days using SavePlus Flipkart codes along with this card for unbeatable savings.

Kotak White Credit Card – Luxury Shopping with EMI Options

The Kotak White Credit Card is tailored for affluent Indian shoppers who enjoy a lavish lifestyle but still want structured savings. The card’s tiered rewards program means the more you spend, the more you earn—perfect for wedding shopping or luxury fashion hauls. It provides premium white passes, which can be used for travel, gadgets, or vouchers. With no expiry on rewards and high redemption flexibility, it suits goal-based users. Complimentary Taj Experiences and lounge access make it travel-friendly. The White Card blends luxury and practicality for high-value users.

• Earn white pass points worth up to ₹5,000/month by spending on fashion, electronics, or travel.
  
  
• Enjoy zero-interest EMI offers across premium brands like Tata Cliq Luxury and Croma.
  
  
• Get Taj gift vouchers and premium experiences as milestone benefits for consistent card usage.

Pro Tip: Use this card for wedding or festive bulk purchases and redeem passes on lifestyle deals during Diwali Dhamaka.

AU Bank Zenith+ Credit Card – Cash-Rich with Lounge Luxury

Designed for India’s premium professionals and global citizens, the Zenith+ card offers unmatched lifestyle benefits. You earn flat 1.5% cashback on all purchases, regardless of category, eliminating tracking hassles. Travel in style with unlimited access to 50+ Indian lounges and free Club Marriott memberships. Other perks include concierge services, dining discounts, and golf privileges. With a high annual fee comes high-value returns—ideal for business travelers and CXOs. Use it abroad or during domestic trips to get reward clarity and exclusive treatment.

• Flat 1.5% cashback makes every expense—from airfare to groceries—equally rewarding and simple to manage.
  
  
• Lounge access at major airports like Delhi, Mumbai, and Bengaluru adds comfort during frequent travel.
  
  
• Enjoy Club Marriott privileges such as 30% dining discounts and 20% off room stays at luxury hotels.

Pro Tip: Pair this card with business-class bookings for added privileges during national holidays or corporate events.

IDFC First Wealth Credit Card – Travel + Utility Winner

This lifetime-free card is engineered for high-performing Indian professionals and value-savvy families. Its 10X reward points cover categories like travel, dining, and entertainment—key areas for today’s spenders. You also enjoy zero-fee add-ons like fuel surcharge waiver and roadside assistance. The card offers insurance benefits and concierge help, ideal for those who travel frequently across India. What sets it apart is its transparent fee structure and instant EMI conversion feature. It’s a reliable all-rounder in the Indian credit card ecosystem.

• Earn 10X reward points on spending at restaurants, movies, and travel bookings via MakeMyTrip and Yatra.
  
  
• Benefit from zero interest on EMIs and enjoy a 1% fuel surcharge waiver at any petrol pump in India.
  
  
• Lifetime free with no annual charges makes it suitable for long-term financial planning and usage.

Pro Tip: Combine this card with SavePlus travel deals during long weekends like Holi and Independence Day for smart savings.

Standard Chartered Smart Credit Card – EMI Champion

Built with EMI lovers in mind, the Standard Chartered Smart Credit Card offers ease and flexibility. It turns any purchase over ₹2,000 into instant EMIs, making it perfect for gadget upgrades and big-ticket buys. You also get solid cashback benefits on your online and offline spending. The card’s acceptance is high across India’s leading electronics, fashion, and departmental stores. With moderate fees and generous offers, it’s great for students, homemakers, or early salaried employees. You can also access pre-approved offers and track transactions easily.

• Convert purchases above ₹2,000 into 3–24 month EMIs with low interest and quick approvals via the SC app.
  
  
• Get 2% cashback on online transactions and 1% on offline ones including at Reliance Digital or Vijay Sales.
  
  
• Avail discounts at partner stores like Max, Trends, and Westside during festival campaigns.

Pro Tip: Time your electronics shopping with SavePlus no-cost EMI campaigns for double benefits during Navratri or Eid.

ICICI Coral Credit Card – Entertainment and Dining Deal

The Coral Credit Card is one of ICICI’s most balanced offerings, combining affordability with high-frequency benefits. It’s aimed at Indian families who love dining out, watching movies, and traveling occasionally. Enjoy movie ticket BOGO offers, culinary discounts, and travel perks all year round. With Smart EMI and reward point redemption, the card suits lifestyle-conscious but savings-driven individuals. Lounge access for domestic airports adds travel comfort. It also fits monthly expenses through discounts on fuel, groceries, and dining.

• Get Buy 1 Get 1 Free on BookMyShow and Inox tickets up to 2/month across Indian cities.
  
  
• Save up to 15% on dining at over 2,500 restaurants under ICICI’s Culinary Treats program.
  
  
• Get 1% fuel surcharge waiver across all Indian petrol pumps on transactions of ₹500–₹4,000.

Pro Tip: Use Coral during monthly family movie nights and SavePlus dining coupons for full-circle entertainment savings.

HSBC Cashback Credit Card – Simple and Straightforward

If you want a clean, fuss-free cashback card, HSBC Cashback fits the bill. It offers a flat 1.5% cashback on online transactions and 1% on others, making it one of the most straightforward cards in India. No reward tracking or complex point redemptions are required. Cashback is automatically credited and comes with no expiry. It’s best suited for salaried individuals, minimalists, and those new to credit cards. Its low fee and instant onboarding make it accessible to a wide user base.

• Earn flat 1.5% cashback on online shopping from Amazon, Flipkart, and Grofers without opt-in hassles.
  
  
• Avail 1% cashback on groceries, fuel, and even offline departmental purchases across Indian cities.
  
  
• Zero joining fee and annual fee waiver above ₹50,000 spend ensures great value from the first swipe.

Pro Tip: Time your annual big buys like ACs or fridges during summer or winter sale seasons for cashback windfalls.

Conclusion

Choosing the right credit card in India can turn everyday spending into major savings. From cashback on Flipkart to EMI perks during Diwali sales, each card serves a unique purpose. At SavePlus, we help you unlock these benefits with expert hacks, promo codes, and timely advice—so you shop smarter, save bigger, and live better every day.

FAQs

Which credit card is best for Amazon India shopping in 2025?
The ICICI Amazon Pay Credit Card offers 5% cashback for Prime users and is free for life.

Which card gives maximum cashback on bill payments in India?
The Axis Bank ACE Card provides 5% cashback on GPay bill payments and utilities.

Can I use Flipkart Axis Card on Myntra and Swiggy?
Yes, you’ll receive 5% cashback on Myntra and 4% on Swiggy with additional festive coupons.

What’s the best credit card for EMI offers in India?
The Standard Chartered Smart Card offers instant EMI options and great no-cost EMI tie-ups.

Are there any credit cards with lifetime free offers in India?
Yes, IDFC First Wealth and Amazon Pay ICICI are lifetime free and highly rewarding.