By Choosing the best credit card for daily needs, online shopping, or even international travel isn’t easy. With so many options available, it’s important to make sure the card you choose provides maximum benefits based on your lifestyle and financial needs.
In 2025, many credit cards offer a variety of benefits such as cashback, reward points, exclusive discounts, and other features that can be advantageous. In this article, we’ve rounded up 12 of the best credit cards that can meet various needs, from those most suitable for international transactions to those ideal for online shopping.
Also read: Corporate Card: Definition, How it Works & Benefits for Startups
1. HSBC Visa Signature
Best Credit Card for International Transactions
If you often travel or make transactions abroad, the HSBC Visa Signature is the right card for you. This card offers the best credit card exchange rates, benefiting users with low foreign currency conversion fees. Additionally, it provides access to exclusive airport lounges worldwide.
For those looking for the best credit card for international transactions, HSBC Visa Signature also offers cashback on international purchases, making it more cost-effective when shopping from overseas. Be sure to check the terms for foreign use to maximize the benefits.
2. BNI Visa Infinite
Best Credit Card for Security and Protection
If you’re looking for the best credit card with maximum protection, BNI Visa Infinite is the perfect choice. This card provides comprehensive travel and accident insurance, offering peace of mind for frequent travelers.
In addition, BNI Visa Infinite offers cashback on purchases, concierge services to assist with travel or special events, and a variety of other exclusive benefits.
3. BCA Mastercard Black
Best Credit Card for Online Shopping
For online shopping enthusiasts, BCA Mastercard Black offers a highly beneficial option. This card provides the best credit card cashback for every e-commerce transaction, especially on major shopping platforms like Tokopedia, Bukalapak, and Shopee.
With various attractive promos and reward points that can be redeemed for exciting gifts, this card maximizes the benefits every time you shop. BCA Mastercard Black also makes it easy to collect reward points, which can be used for various needs.
4. Mandiri SkyZ
Best Credit Card for Travel and Airport Lounge Access
Mandiri SkyZ is an ideal card for frequent travelers. It offers a variety of travel benefits, such as access to over 600 airport lounges worldwide. If you’re looking for the best credit card for travel, Mandiri SkyZ is a top choice. It also offers cashback on international purchases and reward points that can be redeemed for flight tickets or hotel stays.
However, keep in mind that this card comes with a relatively high annual fee, making it more suitable for those who travel frequently to fully maximize the benefits.
5. Citi Rewards Card
Best Credit Card for Reward Points
If you love collecting reward points, the Citi Rewards Card is the right option. Every transaction you make will earn points that can be redeemed for various exciting rewards, such as flight tickets, electronics, or shopping vouchers. This card offers regularly updated promotions, allowing you to maximize the points you collect.
With these benefits, the Citi Rewards Card is ideal for those who often shop, dine out, or make other transactions and want to earn extra rewards from every purchase.
6. BNI Platinum Card
Best Credit Card for Cashback and Merchant Discounts
The BNI Platinum Card is a credit card that offers the best credit card cashback at various merchants, such as restaurants, supermarkets, and shopping malls. If you often dine out or shop for daily necessities, this card is highly advantageous.
In addition to cashback, this card also offers exclusive discounts and reward points that can be redeemed for exciting prizes. It also provides travel insurance protection, making it ideal for those who travel frequently.
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7. Citi Simplicity+
Best Credit Card for No Annual Fee
If you want to avoid annual fees, especially during the first year, Citi Simplicity+ is the perfect choice. This card offers the best credit card cashback on various transactions, providing maximum benefits for cardholders, especially first-time applicants.
With competitive interest rates and no annual fee for the first year on certain transactions, Citi Simplicity+ helps you save more. However, keep in mind that annual fees will be charged after the first year, so be sure to check the latest terms and conditions.
8. Jenius Credit Card
Best Credit Card for Digital Payments and Easy Transactions
Jenius by BTPN is perfect for those who frequently transact online or use digital payment methods. Integrated with a digital banking app, this card makes it easy to manage transactions, from bill payments to online shopping.
Jenius also offers the best credit card cashback for digital transactions, making it highly beneficial for those who often shop or make digital transactions.
9. BCA Visa Infinite
Best Credit Card for Exclusive Benefits and Priority Services
The BCA Visa Infinite is a credit card that provides a variety of exclusive benefits, including access to airport lounges and concierge services ready to assist with various travel needs. This card also offers cashback on various transactions and generous reward points.
However, this card has a relatively high income requirement, so make sure you meet the eligibility criteria before applying.
10. OCBC NISP Titanium
Best Credit Card for Middle-Income Users
For those looking for a credit card with affordable annual fees but still offering a variety of benefits, OCBC NISP Titanium is the right choice. This card offers cashback at various merchants, as well as reward points that can be redeemed for exciting rewards.
This card is ideal for middle-income users who want to maximize their benefits without paying high annual fees.
11. CIMB Niaga Platinum
Best Credit Card for Shopping and International Transactions
CIMB Niaga Platinum is an excellent credit card for those who frequently travel abroad. In addition to offering the best credit card cashback, this card also provides attractive discounts at both local and international merchants.
It facilitates easy transactions with the best credit card exchange rates and lower foreign currency conversion fees, making it a great choice for those who frequently make international transactions.
12. Permata Bank Visa Signature
Best Credit Card for Reward Points and Cashback
Permata Bank Visa Signature is a great choice for those who love collecting reward points. In addition to offering various cashback benefits, this card also provides attractive promotions that can be used to earn exciting rewards, such as electronics and travel tickets.
This card also offers additional benefits like airport lounge access and insurance protection, making it even more ideal for frequent travelers.
Read also: How to Choose the Best Virtual Credit Card Service
Choosing the right credit card depends greatly on your needs and lifestyle. Whether you’re frequently traveling abroad, shopping online, or aiming to maximize cashback and reward points, there are many credit cards in 2025 that offer various benefits suited to your needs. Be sure to choose the one that provides the most value based on your spending habits and financial goals.
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