Best Credit Card for Travel 2025

Whether you’re a frequent flyer, online shopper, or budget-conscious spender, choosing the right credit card in 2025 can make a big financial difference. With enhanced rewards, welcome bonuses, and premium perks, the right card can help you earn while you spend.

Here’s a breakdown of the Top 5 credit cards in 2025 for cashback and travel rewards, based on reward rates, annual fees, and exclusive features.

1. HDFC Regalia Gold Credit Card

Annual Fee: ₹2,500 (waived on ₹3L spend)
Reward Rate: 4 points per ₹150
Welcome Benefit: ₹2,500 worth of vouchers
Key Features:
- Complimentary airport lounge access (domestic + international)
- Free Priority Pass
- Travel insurance cover

🏆 Best For: Premium lifestyle and international travelers

2. Axis Bank ACE Credit Card

Annual Fee: ₹499
Reward Rate: 2–5% cashback on bill payments & online spends
Welcome Benefit: ₹500 cashback
Key Features:
- Flat 4% cashback on Google Pay spends
- 1% fuel surcharge waiver
- Zero redemption fees

💸 Best For: Cashback on daily utilities & mobile bill payments

3. SBI Cashback Credit Card

Annual Fee: ₹999
Reward Rate: 5% cashback on online shopping (Amazon, Flipkart, etc.)
Welcome Benefit: ₹500 cashback
Key Features:
- Unlimited cashback potential
- Fuel surcharge waiver
- Auto credit to statement

🛍 Best For: Frequent online shoppers

4. American Express Membership Rewards Card

Annual Fee: ₹1,500 (1st year), ₹4,500 thereafter
Reward Rate: Up to 4 points per ₹100
Welcome Benefit: 4,000 bonus points
Key Features:
- Convert points to flight & hotel bookings
- Exclusive Amex Offers
- 24×7 concierge service

✈️ Best For: Travel bookings and luxury redemptions

5. ICICI Coral Credit Card

Annual Fee: ₹500
Reward Rate: 2 points per ₹100 (retail spends)
Welcome Benefit: Movie tickets & dining offers
Key Features:
- Lounge access at select airports
- 15% discount at partner restaurants
- Easy EMI conversion

🍽 Best For: Dining, fuel, and moderate spending

How to Choose the Right Credit Card?

When comparing credit cards in 2025, consider:

Your spending habits (shopping, travel, groceries)
Annual fees vs. rewards earned
Hidden charges (foreign exchange fee, late fee)
Lounge access & insurance perks
Ease of redemption

FAQs

Q1. Which credit card gives the highest cashback in India (2025)?
A: The Axis ACE Credit Card offers up to 5% cashback, making it one of the top cashback credit cards in India for 2025.

Q2. What is the best credit card for travel rewards in 2025?
A: The HDFC Regalia Gold and Amex Membership Rewards Card are top picks for international travel perks and reward conversions.

Q3. Can I get a credit card with no annual fee in 2025?
A: Yes. Some cards like the Amazon Pay ICICI Card offer lifetime free usage with attractive cashback benefits.

Q4. Which credit card is best for frequent flyers in India?
A: The HDFC Regalia and Axis Atlas Card (not listed here) provide excellent value for frequent travelers, including lounge access and low forex charges.

Q5. How to apply for a credit card online in 2025?
A: Visit the bank’s official website or use platforms like VyaparGrow for exclusive credit card listings and user reviews.