The new year is approaching, and banks are launching some amazing credit card offers! Enjoy waived joining fees, cashback, reward points, and shopping discounts in late December and January.
I’ve checked out the most fantastic offers that are currently live or special for the New Year. Let’s look at it simply to see which card is perfect for you – for shopping, travel, or daily expenses! and let’s celebrate the new year with a new credit card!
HDFC Bank Offers
HDFC has launched some great deals for the New Year. They’ve waived the joining fee on Regalia or Diners Club cards if you spend a certain amount in the first year.
Plus, you get an extra 10-15% cashback on Swiggy, Zomato, and Amazon. If you frequently go to movies or dine out, this card is a perfect fit. Free lounge access is also available on select cards.
SBI Card’s Amazing Offers
SBI SimplyCLICK or Cashback card has a New Year welcome offer – direct cashback of ₹500-2000 on your first transaction! There’s an extra 10% cashback on Amazon and Flipkart, which increases even more during Big Billion Days or sales. Fuel surcharge waiver is also available, so you save at the petrol pump. It’s a simple rewards card, best for beginners.
Axis Bank’s Fantastic Deals
Axis Ace or Flipkart Axis card has a waived joining fee and you get a ₹1000-5000 voucher on spending in the first month. 5% unlimited cashback on Flipkart and extra discounts on GrabDeals – a killer deal for online shoppers! The MyZone card also has a buy1 get1 free offer on movie tickets.
ICICI Bank and Amazon Pay Card
ICICI’s Amazon Pay card is everyone’s favorite – 5% cashback on Amazon for Prime members, and 3% for non-Prime members. For the New Year, you get an instant voucher of ₹500-1000 on joining. There are also no joining fee and lifetime free options on select cards. It gives cashback on groceries, bills, and recharges too.
American Express (Amex) Premium Offers
Amex Membership Rewards card has a double points offer for the New Year in select categories. The referral bonus has also been increased – refer a friend and both get extra points. For travelers, lounge access and discounts on hotel bookings are great, but it has a slightly high annual fee.
| Feature | Description |
|---|---|
| HDFC Regalia | Joining fee waived + dining cashback |
| SBI Cashback | 5-10% online cashback + ₹2000 welcome bonus |
| Axis Flipkart | 5% Flipkart cashback + no joining fee |
| ICICI Amazon Pay | 5% Amazon cashback on Prime |
| Amex MRCC | Double points + referral bonus |
| Common Offers | Cashback, vouchers, fee waiver |
| Validity | December 2025 – January 2026 |
| Best For Shopping | Axis/SBI/ICICI |
| Best For Travel | HDFC/Amex |
| Lifetime Free Options | Select SBI/Axis cards |
Pros and Cons
Pros:
- Joining and annual fees waived – direct savings.
- High cashback on shopping, dining, and fuel.
- Welcome vouchers and gifts for New Year special.
- Reward points that can be redeemed for flights/hotels.
- Extra discounts during Big Sales.
Cons:
- Some offers require a minimum spend.
- High-end cards may have an annual fee later.
- Cashback is capped monthly.
- Approval depends on credit score.
- Limited time offers – need to apply quickly.
Conclusion
These New Year 2025 credit card offers are absolutely value for money! If you do a lot of online shopping, go for Axis Flipkart or ICICI Amazon Pay, for dining/travel HDFC or Amex is best.
The SBI card is simple and beneficial for beginners. Check and apply on the banks’ websites or apps – offers are for a limited time! Tell us in the comments which card you liked and why? Start the new year with a credit card, take advantage of the benefits!
