Top 5 Credit Cards for Buying or Leasing a Car in 2025
Introduction
Cars are among the biggest purchases most people make, and in 2025, the right credit card can make that investment much more affordable. Whether you’re planning to buy a new car outright or lease one, certain credit cards offer special benefits such as cashback, reward points, fuel discounts, or low-interest financing. These perks can save you thousands over time and even enhance your ownership experience.
In India and globally, banks and financial institutions are tailoring credit card rewards toward big-ticket purchases like automobiles. Choosing the right one depends on your spending habits, repayment discipline, and whether you prioritize cashback, rewards, or low-interest EMIs. If you’ve been asking “Which credit card is best for buying or leasing a car in 2025?” or “Can I actually save money using a credit card for a car purchase?”, this guide highlights the top 5 credit cards to consider in 2025.
1. HDFC Infinia Credit Card
The HDFC Infinia card is one of the most premium cards in India, known for its high credit limit and exceptional rewards program. For large purchases like cars, it offers flexibility with no preset spending cap.
Buyers also benefit from accelerated reward points on big-ticket transactions, complimentary airport lounge access, and concierge services. While it carries a steep annual fee, the benefits easily outweigh the costs for those who can afford it.
2. SBI Elite Credit Card
The SBI Elite card is designed for frequent spenders and high-value purchases. When buying or leasing a car, the card’s flexible EMI conversion and reward system make it a strong choice.
It also offers milestone benefits such as gift vouchers, movie tickets, and discounts on travel bookings, which add further value to regular usage. For someone planning a car purchase in 2025, its rewards program ensures long-term savings.
3. Axis Bank Magnus Credit Card
Axis Magnus has gained popularity for its excellent reward redemption rates and lifestyle perks. Car buyers can take advantage of high reward points on every transaction and easily convert payments into low-interest EMIs.
Beyond just rewards, the Magnus card includes complimentary memberships, concierge support, and benefits that make managing large purchases more convenient. It’s especially appealing to buyers seeking a luxury-oriented credit experience.
4. ICICI Bank Sapphiro Credit Card
ICICI Sapphiro offers a balanced mix of affordability and premium features. It allows big purchases like car payments to be converted into structured EMI plans while also providing solid reward accumulation.
With travel benefits, discounts on dining, and access to international lounges, the Sapphiro card doubles as both a lifestyle and financial tool. For those who want strong value without extreme annual fees, it’s a reliable pick.
5. American Express Platinum Travel Card
While not as widely accepted as Visa or Mastercard, the American Express Platinum Travel card is ideal for big spenders. It provides high reward point earnings and frequent travel benefits, which can add immense value beyond the car purchase itself.
Its flexible EMI plans make it a good choice for leasing, while its rewards ecosystem ensures you get more from every rupee spent. If you’re comfortable with Amex’s network limitations, it’s a top contender in 2025.
Conclusion
Using the right credit card to buy or lease a car in 2025 can unlock benefits that go beyond convenience. Cards like the HDFC Infinia, SBI Elite, Axis Magnus, ICICI Sapphiro, and Amex Platinum Travel not only make large purchases smoother but also provide cashback, EMIs, and lifestyle perks that save money in the long run.
Before choosing, consider your spending style, repayment habits, and whether you want maximum rewards or lower interest. With the right credit card, your next car purchase could be more rewarding than ever.