HDFC vs SBI vs ICICI Credit Cards – Best Comparison for 2025
Confused between India's three top credit card issuers? This breakdown will help you decide faster and smarter.
In India, HDFC Bank, State Bank of India (SBI), and ICICI Bank dominate the credit card ecosystem. Whether you're looking for rewards, lounge access, or low annual fees, each of these banks offers something unique in 2025. This guide will help you compare the best-performing cards across the three giants—so you choose the one that aligns with your lifestyle and spending patterns.
Why Compare HDFC, SBI, and ICICI Credit Cards?
- 📦 They account for over 70% of active credit cards in India
- 🧾 Their offerings span entry-level to premium travel & lifestyle cards
- 💰 Excellent options for cashback, fuel, OTT, and milestone spends
- ✈️ Most offer complimentary airport lounge access
- 📲 Fully digital application process
Top Credit Cards from Each Bank – 2025
🔵 HDFC Bank Credit Cards
- HDFC Millennia Credit Card – 5% cashback on Amazon/Flipkart, fuel surcharge waiver, ₹1,000 fee (waived on ₹1L spend)
- HDFC Regalia – Lounge access, travel concierge, ₹2,500 annual fee
- HDFC MoneyBack+ Credit Card – Entry-level, ₹500 fee, cashback on groceries and bill payments
🔴 SBI Credit Cards
- SBI Cashback Card – 5% flat cashback on online merchants like Amazon, Myntra, and more
- SBI SimplyCLICK – Partner rewards on BookMyShow, Cleartrip, Amazon; fee ₹499 (waived on ₹1L spend)
- SBI Elite Card – ₹5,000 vouchers, international lounge access, Club Vistara/Trident membership
🟠 ICICI Credit Cards
- ICICI Coral Credit Card – Free movie tickets, domestic lounge access, ₹500 annual fee
- ICICI Amazon Pay Card – 5% cashback for Prime members, no joining/annual fee
- ICICI Sapphiro Card – Premium travel benefits, ₹3,500 fee, airport spa access
Detailed Comparison Table – 2025
| Card | Bank | Annual Fee | Best For |
|---|---|---|---|
| Millennia | HDFC | ₹1,000 | Cashback on shopping |
| Regalia | HDFC | ₹2,500 | Travel perks |
| SBI Cashback | SBI | ₹999 | Online purchases |
| SBI SimplyCLICK | SBI | ₹499 | Amazon, BookMyShow |
| ICICI Amazon Pay | ICICI | ₹0 | Prime shopping cashback |
| ICICI Coral | ICICI | ₹500 | Movies + Lounge |
Eligibility Criteria
- Minimum age: 21 years
- Indian resident with PAN and Aadhaar
- Minimum income: ₹15,000/month (for basic cards)
- CIBIL score: 700+ preferred
How to Apply for These Cards?
- Click the official bank links or visit CreditPlanner’s Card Matcher
- Enter KYC: Aadhaar + PAN
- Choose income type (salaried/self-employed)
- Upload payslip or bank statement (if needed)
- Get instant eligibility check
FAQs – HDFC vs SBI vs ICICI Credit Cards
Which bank offers the best cashback credit card in 2025?
SBI Cashback Card and ICICI Amazon Pay Card are the best cashback options for 2025.
What is the best HDFC card for beginners?
HDFC MoneyBack+ or Millennia cards are beginner-friendly and offer decent rewards with low annual fees.
Are ICICI credit cards good for travel?
Yes, especially the ICICI Sapphiro card offers travel perks like lounge and spa access.
Which bank offers better approval chances?
ICICI and SBI typically offer smoother digital onboarding for entry-level cards.
Still unsure which card fits you best? Try our Free Card Matcher Tool and get matched in 60 seconds.
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