Best Credit Card in India to Earn Cashback, Rewards & Free Travel – Apply Now!

 Are you tired of missing out on cashback, discounts, and travel rewards every time you shop or book tickets? Then it's time to level up your spending game with the best credit card in India! Whether you're a student, homemaker, or working professional – a good credit card can actually help you save money and build credit.

 Why You Should Get a Credit Card Today

Many people think credit cards mean debt, but that’s not true if you use them smartly. In fact, here’s what you get:

• ✅ Instant cashback on shopping, dining, groceries, and fuel

• ✅ Free movie tickets every month

• ✅ Airport lounge access for frequent flyers

• ✅ EMI on big purchases with 0% interest offers

• ✅ Reward points that can be converted to Amazon/Flipkart vouchers 

Best Credit Card Offers in July 2025

HDFC Millennia Credit Card

Joining Offer: ₹1,000 Amazon voucher on activation
Annual Fee: ₹1,000 (waived on ₹1L spend/year)
Top Benefits:

• 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, etc.

• 1% cashback on all other online spends

• Free lounge access – 4 times/year (domestic airports)

• Fuel surcharge waiver up to ₹250/month

• Contactless payments enabled

To apply for this card click on Apply

SBI SimplyClick Credit Card

Joining Offer: ₹500 Flipkart/Amazon voucher
Annual Fee: ₹499 (waived on ₹1L spend/year)
Top Benefits:

• 10x reward points on Amazon, BookMyShow, Cleartrip, etc.

• 1% fuel surcharge waiver across petrol pumps

• Earn ₹100 for every ₹5,000 spent

• Easy EMI conversion option

• Accepted worldwide

To apply for this card click on  Apply

IndusInd Bank RuPay Credit Card – Quick Highlights

✅ Lifetime Free – No joining or annual fee ever
✅ 2 Reward Points per ₹100 on UPI spends (Paytm, GPay, PhonePe)
✅ 1 Reward Point per ₹100 on other spends
✅ Fuel Surcharge Waiver – 1% off on fuel (₹400–₹4,000)
✅ Travel Insurance – Lost baggage, missed flight, passport loss covered
✅ Zero Fraud Liability – Protection from unauthorized transactions
✅ UPI Ready + Tap-to-Pay feature available
✅ Reward Points redeemable for cashback, vouchers, flight miles

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🎯 Best For:

• UPI users (daily spends via Paytm, PhonePe, etc.)

• Anyone looking for a no-cost, no-hassle credit card

• Beginners, students, homemakers

To apply for this card click on Apply

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HSBC Visa Platinum – Key Benefits 

• Lifetime Free – No joining or annual fees

• Welcome Gifts – ₹100 Amazon voucher on video KYC, plus ₹500 cashback on ₹5,000 spend in 30 days 

• 2 Reward Points per ₹150 spent, with 5× points (up to 15,000 pts/year) after ₹4 L annual spend

• Fuel Surcharge Waiver – 1% waiver on ₹400–₹4,000 spends, capped at ₹250–₹300/month

• Dining & Entertainment Discounts

  • ~15% off at partner restaurants 

  • BookMyShow Buy‑1‑Get‑1 free (Saturdays or limited offers) 

• Redemption Flexibility – Instant point conversion to airline miles, hotel loyalty points & gift vouchers via the HSBC Rewards Marketplace

• Zero Liability & Emergency Support – Protection for lost/stolen cards and emergency replacements globally

• EMI & Balance Transfer Options – Convert big spends and outstanding balances into EMIs at lower interest

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⚠️ Points to Note

• Modest base rewards (0.7% value); only a few monthly lifestyle offers 

• No lounge access included 

• Many benefits are time-limited and offer-based, so check the HSBC app regularly

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✅ Who This Card’s For

• ₹4 L+ annual salaried individuals seeking a fee-free starter card

• Users looking to build credit history with occasional rewards

• Customers interested in fuel waiver, welcome perks, and flexible point redemption

To apply for this card click on  Apply

HSBC Live+ Credit Card – At a Glance

• Cashback Offers

  • 10% cashback on dining, food delivery & groceries (capped at ₹1,000/month)

  • 1.5% unlimited cashback on all other eligible spends 

• Welcome Rewards

  • ₹1,000 cashback on spending ₹20,000 within 30 days

  • ₹250 Amazon voucher on video KYC 

• Annual Fee

  • ₹999 + GST (also joining fee)

  • Can be waived if you spend ₹2 lakh in a year 

• Additional Perks

  • 4 domestic airport lounge visits per year (1 per quarter) 

  • Up to 15% discounts at partner restaurants via Live+ Dining programme 

  • Buy‑1‑Get‑1 free movie tickets via BookMyShow (Saturdays/offers) 

  • Contactless Visa PayWave, global acceptance 

• Eligibility

• Age 18–65, salaried (₹4 L min. annual income)

• Available in major cities like Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Pune, etc.

To apply for this card click on Apply