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Credit cards are becoming increasingly popular in India, particularly among young people who have very different spending patterns and needs. They prefer to use credit cards offering better features and low or no annual fees. Food, groceries, shopping, bill payments, and entertainment are some of the categories in which young India spends the most via credit cards. If you are seeking a credit card that offers excellent deals and has a low annual fee, this article is for you. Here, we’ve compiled a list of credit cards that can be ideal for young Indian professionals:

Top Credit Cards for Young Professionals in Dec 2025

Credit Card Annual Fee Key Highlight
ICICI Amazon Pay Nil Amazon Prime members get 5% cashback on using Amazon.in. Non-Prime members get 3% cashback on using the same
Paytm SBI Card Rs. 499 3% cashback on Paytm Mall, movies and travel and 2% cashback on all other purchases on Paytm App
Axis Bank ACE Credit Card Rs. 499 (waived off on spending Rs. 2,00,000 in a year 5% cashback on bill payments (internet, gas, electricity, etc.) DTH and mobile recharge on Google Pay
SBI SimplyCLICK Rs. 499 (reversed on spending Rs. 1,00,000 or more in the previous year) Get 10x Reward Points on online spends on using Amazon, BookMyShow, Cleartrip and other brands
HSBC Visa Platinum Nil Get a voucher worth Rs. 2000 from Cleartrip and Swiggy voucher worth Rs. 250 on the first transaction with this credit card
HDFC MoneyBack Rs. 500 + GST Earn 2x Reward Points on all the online spending with this credit card
HSBC Cashback Credit Card Rs. 750 1.5% cashback on all online spending and 1% on all other spends

Paytm SBI Card

Best Suited for: Cashback 

SBI Card in partnership with Paytm has launched Paytm SBI Card with low fees and exclusive shopping benefits. The card offers cashback on movies, travel and all Paytm Mall purchases.

  • 1% cashback on all online and offline stores
  • Complimentary Paytm First Membership on card activation
  • Cyber Fraud Insurance cover worth Rs. 1,00,000

Suggested Read: Best Credit Card for Online Shopping in India

Axis Bank Ace Credit Card

Best Suited for: Cashback

Axis Bank Ace credit card is an excellent choice for people searching for a decent value back credit card. The card offers exclusive cashback on payment of utility bills, DTH and mobile recharge.

  • 5% cashback on utility bill payments, DTH and mobile recharges via Google Pay (No cashback if paid on any platform other than Google Pay)
  • 4% cashback on Swiggy, Zomato and Ola
  • 1.5% cashback on all other spends
  • 4 domestic lounge visits in a year on spending min. Rs. 50,000 during the previous 3 months (W.e.f 1 May, 2024)

SBI SimplyCLICK Credit Card

Best Suited for: Online Shopping and Reward Points

An excellent credit card for rewards on online shopping, SBI SimplyCLICK also offers excellent reward points on using this card for online payments. The card comes with benefits on partner brands like Amazon.in, BookMyShow, Cleartrip and Foodpanda.

  • Avail welcome gift voucher worth Rs. 500 from Amazon
  • Enjoy 5x reward points on all the online spends
  • Benefit from 10X rewards on online spends with exclusive partners- Amazon/ BookMyShow /Apollo24X7/ Eazydiner/ Cleartrip / Lenskart / Netmeds

HSBC Visa Platinum

Best Suited for: Online Shopping and Cashback

If you are looking for a basic credit card that comes with offers and privileges on shopping, this might just be the right option for you. The card has zero joining and an annual fee.

  • Get Rs. 2,000 cashback on spending Rs. 10,000 or more within the first 3 months of card issuance
  • Earn 2 Reward Points on every Rs. 150 spent
  • Enjoy Travel benefits on Singapore Airlines via Air Miles Conversion

HDFC MoneyBack Credit Card

Best Suited for: Reward Points and Cashback

Another great credit card for shopping, HDFC Moneyback is packed with the benefits of cashback and reward points. The cashback earned with this credit card can be utilized for shopping or converted into direct statement credit.

  • Get a gift voucher worth Rs. 500 on making all retail purchases
  • First-year fee reversal on spending Rs. 10,000 within 90 days of card issuance
  • Avail 50 days Interest-Free period from the date of purchase

HSBC Cashback Credit Card

Best Suited for: Cashback

HSBC Cashback credit card is one of the best credit cards for cashback. The card offers 1.5% cashback on all online transactions and complimentary lounge access and savings on partner products. 
  • Get Amazon vouchers worth Rs. 1,000
  • Avail Big Basket voucher worth Rs. 250
  • Enjoy 50% discount on the first transaction on Google Pay

Check other Entertainment Credit Cards in India

What We Say

While selecting the best credit card for yourself, make sure to consider factors such as annual fee, rewards, savings and other benefits offered. The list mentioned above has been created to help you decide on a suitable credit card, however, you may explore various other available credit cards in India and opt for the one that benefits you the most.

Not satisfied with the above options? Check out the Best Credit Cards in India

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