Credit Card Comparison USA vs India 2025: Rewards, Travel Benefits & Charges
2025 में credit card सिर्फ एक payment tool नहीं बल्कि एक smart financial weapon बन चुका है।
चाहे आप USA में हों या इंडिया में, हर जगह अलग-अलग credit cards अलग features और rewards के साथ आते हैं।
तो चलिए देखते हैं कि USA और India के top credit cards में कौन कितना दमदार है, किसका cashback अच्छा है और किसमें hidden charges ज़्यादा हैं।
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🇺🇸 USA Top Credit Cards (2025):
1. Chase Sapphire Preferred
60,000 bonus points (worth $750 in travel)
2x on dining & travel
Annual Fee: $95
2. American Express Gold Card
4x on restaurants & groceries
Premium travel insurance
Annual Fee: $250
3. Capital One Venture Rewards
2x miles on every purchase
Global Entry/TSA PreCheck credit
No foreign transaction fees
4. Discover It Cash Back
5% rotating categories + 1% flat cashback
No annual fee
Cashback match in first year
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🇮🇳 India Top Credit Cards (2025):
1. HDFC Regalia Credit Card
10x rewards on travel & dining
Complimentary airport lounge access
Annual Fee: ₹2,500
2. Axis Bank Ace Credit Card
5% cashback on Google Pay bill payments
Flat 2% cashback on all spends
Annual Fee: ₹499
3. SBI Card ELITE
₹5,000 welcome gift voucher
Club Vistara membership
Lounge access + movie discounts
4. Amazon Pay ICICI Card
5% cashback for Prime members
No annual fee
Lifetime free card
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🔍 USA vs India Credit Card Comparison:
Feature USA Cards India Cards
Annual Fee Range $0 – $695 ₹0 – ₹5,000
Travel Rewards High Moderate (Regalia/ELITE)
Cashback & Offers Flat + category-based Mostly category-based
Lounge Access Premium + Intl. access Mostly domestic
Credit Score Requirement 680+ 700+
EMI/Installments Facility Rare Common
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🧠 Pro Tips:
USA में points का value travel में ज़्यादा होता है (AmEx/Chase)
India में cashback वाले cards ज्यादा suit करते हैं low spenders को
Annual fee से डरें नहीं, benefits ज़्यादा हो तो worth it होता है
Compare via official banks या trusted apps (like Credit Karma / CRED)
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अगर आप USA या इंडिया में हैं, तो अपने spending habits और goals के हिसाब से credit card चुनना चाहिए।
2025 में smart spending का मतलब है – cashback, lounge access, insurance और rewards सब एक card में लेना।
👉 Don’t just spend. Earn while you spend!
