Credit cards have become an essential financial tool for millions of Indians in 2025. With a variety of benefits ranging from rewards points, travel perks, shopping discounts, to fuel savings, selecting the right credit card can feel overwhelming. Understanding the different types of credit cards in India is key to maximizing benefits while building a strong credit profile.
Whether you are a foodie, a frequent traveler, or a smart shopper, knowing which credit card suits your lifestyle can save you money and provide unmatched convenience. In this guide, we will explore the major credit card types in India, their features, and how to choose the one that matches your spending habits.
1. Rewards Credit Cards in India
Rewards credit cards are designed to give you points for every transaction, which can later be redeemed for products, travel, gift vouchers, or even cashback.
Key Features:
- Earn reward points on every purchase.
- Bonus points on specific categories like groceries, dining, or online shopping.
- Some cards provide sign-up bonuses or milestone rewards.
Popular Examples in India:
- HDFC Bank Regalia First Credit Card – 4 reward points per Rs. 150 spent on all retail transactions.
- SBI SimplySAVE Credit Card – 10x reward points on movies, dining, and grocery purchases.
2. Travel Credit Cards
Travel credit cards are perfect for frequent flyers. They offer airport lounge access, flight and hotel discounts, and bonus points on travel bookings.
Key Features:
- Complimentary airport lounge access domestically or internationally.
- Bonus points for flight, hotel, and cab bookings.
- Travel insurance and concierge services included in some premium cards.
Popular Travel Cards in India:
- BPCL SBI Octane Credit Card – 7.25% cashback on fuel and lounge access.
- IndusInd Bank Tiger Credit Card – Priority Pass access for over 600 lounges globally.
3. Shopping Credit Cards
Shopping credit cards are ideal for consumers who make frequent purchases at malls, online marketplaces, and brand stores.
Key Features:
- Cashback, discounts, or reward points on brand purchases.
- Co-branded cards provide extra benefits on partner platforms.
- Special offers on festive sales and online shopping events.
Popular Examples:
- HDFC Tata Neu Credit Card – NeuCoins on Tata and non-Tata purchases, redeemable for products and services.
- HDFC Shoppers Stop Credit Card – 3% rewards on Shoppers Stop purchases, plus welcome coupons.
4. Fuel Credit Cards
Fuel credit cards are designed to reduce spending at petrol stations while rewarding users for every refill.
Key Features:
- Cashback or fuel points on petrol purchases.
- Redemption options at fuel outlets for direct savings.
- Some cards also offer rewards on groceries and utility bill payments.
Popular Examples:
- IndianOil Credit Card – 15 fuel points per Rs. 100 spent at IndianOil stations.
- IDFC First Power Plus Credit Card – Up to Rs. 18,500 annual fuel savings.
How to Choose the Right Credit Card Type
- Assess Your Spending Habits: Food, travel, shopping, or fuel – pick the card that rewards you most.
- Compare Fees & Benefits: Evaluate joining fees, annual renewal fees, and rewards structure.
- Check Redemption Options: Ensure points or cashback can be redeemed conveniently.
- Look for Lifestyle Perks: Airport lounges, dining discounts, and insurance coverage matter for premium users.
The Indian credit card market offers diverse options to cater to different lifestyles. From rewards credit cards that multiply points, travel credit cards with lounge privileges, shopping credit cards offering co-branded benefits, to fuel credit cards that reduce everyday expenses, there is a card for everyone.
By understanding the credit card types in India, you can make informed choices that optimize savings, enhance rewards, and strengthen your credit profile. Always compare benefits and fees before applying, and select a card that aligns with your financial goals.
Disclaimer: The information in this article is for educational purposes only and reflects the market as of October 2025. Finowings does not provide financial advice. Consult your bank or financial advisor before applying for a credit card.
Dr. Mukul Agrawal – Founder & Market Analyst, Finowings. With 20+ years of experience in the stock market and financial education, Dr. Agrawal helps investors make informed choices on investments, credit, and wealth creation.
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