Best Credit Cards for Women in India 2025

When it comes to choosing a credit card, women have unique needs and preferences. From shopping and dining to travel and entertainment, credit cards offer a host of benefits and rewards that can help women save money and enjoy exclusive privileges. In this article, we have rounded up some of the best credit cards for women in India.

HDFC Solitaire Credit Card

• Joining fee for HDFC Solitaire card: Rs. 500
• Annual fee: Rs. 500
• Most suitable for: Women who love to shop and dine out

HDFC Solitaire credit card is one of the best credit cards for women who love to shop and dine out. With this card, you can earn 3 reward points for every Rs. 150 spent and 50% more reward points on dining and grocery spends. You also get exclusive discounts on leading fashion and lifestyle brands and a fuel surcharge waiver of up to Rs. 250 per statement cycle.

Benefits of HDFC Solitaire Credit Card

• 3 reward points for every Rs. 150 spent
• 50% more reward points on dining and grocery expenses
• Shopping vouchers worth Rs. 1,000 on a cumulative spend of Rs. 75,000 every 6 months
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 to Rs. 5,000
• Redeem reward points against cash at a value of 100 Reward Points = Rs. 20

SBI Simply Click Credit Card

• Joining fee for SBI Simply Click card: Rs. 499
• Annual fee: Rs. 499
• Most suitable for: Women who love online shopping

SBI Simply Click credit card is a great option for women who love to shop online. With this card, you can earn 5X reward points on online spends with exclusive partners like Amazon, BookMyShow, and Cleartrip. You also get a welcome gift of Rs. 500 on your first transaction and an e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 lakh or more.

Benefits of SBI Simply Click Credit Card

• 10 reward points per Rs. 100 spent on online purchases made on Apollo24X7/ BookMyShow/ Cleartrip/ Eazydiner/ Lenskart/ Netmeds
• 5 reward points per Rs. 100 spent on all other online purchases
• 1 reward point per Rs. 100 spent on other categories
• Up to 2 complimentary gift vouchers on achieving spending milestone
• E-gift card worth Rs. 500 after the payment of joining fee

Flipkart Axis Bank Credit Card

• Joining fee for Flipkart Axis Bank Credit card: Rs. 500
• Annual Fee: Rs. 500
• Most Suitable For: Flipkart Shopping, Utilities, Domestic Lounge benefits

The Axis Flipkart credit card is ideal for women who shop on Flipkart frequently. It offers 5% cashback on Flipkart spends and 4% cashback on other online and offline spends. Additionally, the card provides milestone rewards, discounts on partner stores, fuel surcharge waivers, and complimentary airport lounge access.

Benefits of Flipkart Axis Bank Credit Card

• 5% cashback on Flipkart & Myntra
• 4% cashback on transactions at preferred merchants (Uber, Swiggy, PVR, Curefit, Tata Sky, Cleartrip, Tata 1MG)
• 5% cashback on all other transactions
• Welcome benefits worth Rs. 1,100
• 4 complimentary domestic lounge visits every year

RBL Shoprite Credit Card

• Joining Fee for RBL Shoprite card: Rs. 500
• Annual Fee: Rs. 500
• Most Suitable For: Grocery Shopping

The RBL Shoprite credit card is perfect for women who shop for groceries frequently. It offers up to 5% cashback on grocery spends and 2.5% cashback on all other spends. Additionally, the card provides rewards on fuel spends, discounts on partner stores, and complimentary airport lounge access.

Benefits of RBL Shoprite Credit Card

• 2,000 reward points as a welcome benefit
• 1 reward point for every Rs. 100 spent
• 20 reward points for every Rs. 100 spent on grocery shopping
• 10% discount on movie tickets at BookMyShow
• Annual fee reversal on spending Rs. 1.5 lakh annually

One Card by Bank of Baroda

• Joining Fee for One card: Free
• Annual Fee: Free
• Most Suitable For: All-round Rewards

The One Card is an exclusive credit card that is currently being issued by Bank of Baroda. It offers a wide range of rewards, including up to 5% cashback on spends, reward points on every transaction, and discounts on partner stores. Additionally, the card provides features such as mobile banking, and a dedicated rewards app. The One Card is a great choice for women who want an all-round credit card with no fees.

Benefits of BOB Financial One Card

• 1 reward point on spending Rs 50
• 5X reward points on top 2 spend categories in a month
• Redeem earned reward points without any charges
• No expiry date for reward points
• Receive virtual credit card on OneCard mobile app instantly after getting approved for it
• Low forex mark-up fee of 1%
• Convert your purchases into EMIs and earn reward points on EMI transactions or repay EMIs with reward points
• Bonus reward points on referring friends and family (Maximum of 10 referrals in any calendar month, and a maximum of 100 referrals in a calendar year)

Citibank Rewards Credit Card

• Joining Fee for Citibank Rewards card: Rs. 1,000
• Annual Fee: Rs. 1,000 (can be waived off post Rs 30000 spends in a year)
• Most Suitable For: Rewards and Dining

The Citibank Rewards credit card is a popular choice among women who want to earn rewards on their spends. It offers 10 reward points for every Rs. 125 spent on apparel and departmental store purchases, and 1 reward point for every Rs. 125 spent on other categories. Additionally, the card provides access to exclusive deals on dining, fuel surcharge waivers, and airport lounge access.

Note - Although this is one of the best credit cards out there, recently Citibank has transferred its retail business to Axis Bank which will probably be finalized in the first half of 2025. As per Axis bank spokesperson, all the benefits will continue but there are more details awaited on the specifics around this about whether users who already have this card will get a new Axis Bank card.

American Express SmartEarn Credit Card:

• Joining fee for American Express SmartEarn Credit Card: Rs 495
• Annual fee: Rs 495 (can be waived off post Rs 40000 spent in a year)
• Most suitable for: Shopping and Dining

The American Express SmartEarn Credit Card is designed for people who love to shop, dine, and travel. With this card, you can earn 10X reward points on all your online and offline shopping from Flipkart, Amazon, and Myntra. Not only this, you also get to earn 5X reward points on spending in Paytm Wallet, Swiggy, BookMyShow and more. Additionally, you can earn five reward points for every Rs. 50 spent on dining and movies. You can redeem these reward points for a range of products and services.

Benefits of Amex SmartEarn Credit Card

• 10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon and Uber
• 5X Membership Rewards Points on every Rs. 50 spent on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and more
• 1 Membership Rewards Point for every Rs. 50 spent on other categories except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale
• 500 cashback as a welcome gift on spending Rs. 10,000 in the first 90 days of card membership
• Vouchers worth Rs. 500 each on achieving the spending milestone of Rs. 1.20 lakh, Rs. 1.80 lakh and Rs. 2.40 lakh, respectively in a card membership year

Axis My Zone Credit Card:

• Joining fee for Axis Myzone credit card: Rs 500
• Annual Fee: Rs 500 (can be waived off post annual spends more than Rs 50000)
• Most suitable for: Shopping and Entertainment

The Axis My Zone Credit Card is an excellent option for young women who like to spend on dining, entertainment, and online shopping. With this card, you can earn 4% cashback on all your spending in these categories. Additionally, you can earn 1% cashback on all your other spending. The maximum cashback you can earn in a month is Rs. 250. The joining fee for this card is Rs. 500, and the annual fee is Rs. 500. However, if you spend Rs. 50,000 or more on this card in a year, you can get the annual fee waived off.

Benefits of Axis My Zone Credit Card

• Buy One Get One Free on booking movie tickets via Paytm Movies
• 40% off on your orders via Swiggy
• Free SonyLiv 1 year subscription
• Flat Rs. 600 off at Ajio on your orders above Rs. 2,000
• 4 EDGE reward points on every Rs. 200 spent via this credit card
• 1 complimentary access to select airport lounges within India per calendar quarter

ICICI Platinum Chip Credit Card:

• Joining fee for ICICI Platinum Chip card: Nil
• Annual fee: Nil
• Most suitable for: 

The ICICI Platinum Chip Credit Card is an excellent option for women who want a no-frills credit card. Also the important thing is that this card is an absolutely lifetime free credit card. This card comes with a range of benefits, including discounts on dining, shopping, and movies. You can earn 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Your points are easily redeemable for attractive products through ICICI Reward points, India's largest multi-partner coalition loyalty programme. Additionally, you can earn two reward points for every Rs. 100 spent on this card on utilities. You can redeem these reward points for a range of products and services.