Best Rewards Credit Cards in India

Cards that pay you back on everyday spending: reward points you can redeem for vouchers, merchandise, flights, or statement credit.

Best Rewards Credit Cards in India 2026

Standard Chartered Ultimate Credit Card

3.5/5
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Standard Chartered Ultimate Credit Card by Standard Chartered
Joining Fee Rs. 5,000 + Taxes
Annual Fee Rs. 5,000 + Taxes
Best Suited For Premium-type Reward Multipliers, High Base Points Accrual, and Golf Privileges
Rewards Type Reward Points

Rewards Rate

5 reward points for every ₹150 spent across all standard categories (3.33% reward yield parity)

Welcome Benefits

Premium welcome benefits up to Rs. 5,000 value pack matching the upfront onboarding fees

Card Details +

Key Advantages

  • ✓ 5 reward points per ₹150 spent, a 3.33% return rate across all categories
  • ✓ 2% forex markup on international spends
  • ✓ Complimentary golf games and coaching sessions
  • ✓ Welcome benefits worth roughly ₹5,000, close to offsetting the joining fee

Limitations

  • ✕ Strict exclusions applied across key day-to-day categories including fuel and cash advances
  • ✕ Reward points accrued on card renewal are forfeited if fee payments are processed via promotional EMI conversions
  • ✕ No automatic ongoing lifestyle milestone benefits provided outside standard tier paths
Full Card Review →

Axis Bank Neo Credit Card

3.0/5
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Axis Bank Neo Credit Card by Axis Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Online Purchases, Food Delivery, and Instant Multi-Brand Discounts
Rewards Type Reward Points

Rewards Rate

1 EDGE Reward Point per ₹200 spent (1 EDGE Point = ₹0.20 on redemption)

Welcome Benefits

100% cashback up to ₹300 on first utility bill payment via Paytm within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
  • ✓ RuPay variant available for UPI payments
  • ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
  • ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
  • ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Limitations

  • ✕ Minimal base reward points earning rate on regular card expenditures
  • ✕ Enforces strict ceiling caps on maximum discount benefits per month across partner platforms
  • ✕ Lacks premium features such as complimentary airport lounge terminal access or golf privileges
Full Card Review →

Axis Bank REWARDS Credit Card

4.0/5
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Axis Bank REWARDS Credit Card by Axis Bank
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Everyday Rewards, Online Shopping, Food Delivery, and Partner App Discounts
Rewards Type Reward Points

Rewards Rate

10X EDGE Points per ₹125 on apparel & department stores (up to ₹7,000 spend/month); 2X EDGE Points per ₹125 on other spends

Welcome Benefits

5,000 EDGE Reward Points on ₹1,000+ spend within 30 days of issuance

Card Details +

Key Advantages

  • ✓ 10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month
  • ✓ Instant savings on food delivery platforms including Swiggy
  • ✓ Complimentary airport lounge access included
  • ✓ Dining discounts at partner restaurants

Limitations

  • ✕ Core daily utility billing lines, fuel swiping, and cash advances are restricted or carry heavily reduced yield structures
  • ✕ Maximum benefit realization is gated under category capping ceilings enforced per statement cycle
Full Card Review →

Axis Bank My Zone Credit Card

4.0/5
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Axis Bank My Zone Credit Card by Axis Bank
Joining Fee Nil (1st Year Free)
Annual Fee ₹500 + Taxes
Best Suited For Everyday Entertainment, Movie Ticket Bookings, Food Delivery, and Co-branded Partner Discounts
Rewards Type Reward Points

Rewards Rate

4 EDGE Reward Points per ₹200 spent (0.4% base rate); excludes fuel, utilities, rent, insurance & EMI

Welcome Benefits

Complimentary 1-year SonyLIV Premium subscription (worth ₹1,499) on first purchase within 30 days

Card Details +

Key Advantages

  • ✓ Discounts on movie tickets and food delivery apps
  • ✓ Complimentary domestic airport lounge access

Limitations

  • ✕ Base reward points multiplier features a relatively modest yield floor on standard everyday card spends outside target milestones
  • ✕ Core essential categories like routine non-retail utility payments and cash advance withdrawals feature strict capping parameters
Full Card Review →

Axis Bank Privilege Credit Card

4.3/5
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Axis Bank Privilege Credit Card by Axis Bank
Joining Fee ₹1,500 + Taxes
Annual Fee ₹1,500 + Taxes
Best Suited For Lifestyle Shopping & Multi-brand Rewards
Rewards Type Reward Points

Rewards Rate

10 EDGE reward points per ₹200 spent on retail purchases

Welcome Benefits

₹5,000 multi-brand shopping vouchers on achieving ₹2.5 Lakh annual spend milestone

Card Details +

Key Advantages

  • ✓ 10 EDGE reward points per ₹200 spent on all retail transactions
  • ✓ Double reward points (20 EDGE points per ₹200) on domestic & international travel
  • ✓ ₹5,000 worth of shopping vouchers on card activation & milestone completion
  • ✓ 2 complimentary domestic airport lounge access visits per quarter
  • ✓ Annual fee waiver on ₹2.5 Lakh annual spends

Limitations

  • ✕ ₹1,500 annual fee charged upfront
  • ✕ Standard reward point value for cash credit is ₹0.20 per point
  • ✕ Lounge access subject to quarterly spend criteria
Full Card Review →

Tata Neu Plus SBI Card

4.2/5
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Tata Neu Plus SBI Card by SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Tata Neu & Tata Brand Shoppers
Rewards Type Reward Points

Rewards Rate

5% NeuCoins on Tata Neu App/Website + partner brands; 2% on other Tata brand purchases; 1% on other spends including UPI

Welcome Benefits

499 bonus NeuCoins on joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 7% value-back on select Tata Neu ecosystem brands like Tata 1mg, BigBasket & Croma
  • ✓ 499 bonus NeuCoins on joining, offsetting the fee in year one
  • ✓ 1% fuel surcharge waiver on transactions between ₹500-₹4,000
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹50,000 spend in the preceding quarter
  • ✕ Base reward rate on non-Tata spends is just 1%
  • ✕ Rewards are most valuable when redeemed within the Tata Neu ecosystem
Full Card Review →

Reliance SBI Card PRIME

4.5/5
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Reliance SBI Card PRIME by SBI Card
Joining Fee ₹2,999 + Taxes
Annual Fee ₹2,999 + Taxes
Best Suited For Frequent Reliance Retail & Trends Shoppers
Rewards Type Reward Points

Rewards Rate

2.5% value-back on Reliance Retail brands (AJIO, Trends, JioMart); 0.5%-2.5% on other categories

Welcome Benefits

₹3,000 Reliance Retail e-gift voucher, fully offsetting the joining fee

Card Details +

Key Advantages

  • ✓ Discount vouchers worth up to ₹11,999, including a ₹8,750 milestone voucher on ₹3 Lakh spends
  • ✓ 8 domestic + 4 international lounge visits/year with no spend condition
  • ✓ 1 complimentary BookMyShow movie ticket every month, worth ₹250
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Base reward rate outside Reliance brands is a modest 0.5%
  • ✕ Fuel surcharge waiver capped at transactions between ₹500-₹4,000
  • ✕ Best value depends on regular spending across Reliance-owned retail brands
Full Card Review →

Reliance SBI Card

4.1/5
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Reliance SBI Card by SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Budget Reliance Retail Shopping
Rewards Type Reward Points

Rewards Rate

2.5% value-back on Reliance Retail brands; 1.25% base rate on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 2.5% value-back on Reliance Retail, AJIO, Trends & JioMart purchases
  • ✓ Low ₹499 fee with an easily reachable ₹1 Lakh waiver threshold
  • ✓ 1.25% base reward rate, above SBI's typical entry-card floor
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access, unlike the Prime variant
  • ✕ Reward value is concentrated in Reliance-owned retail brands
  • ✕ Fewer milestone benefits compared to Reliance SBI Card PRIME
Full Card Review →

Titan SBI Card

4.5/5
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Titan SBI Card by SBI Card
Joining Fee ₹2,999 + Taxes
Annual Fee ₹2,999 + Taxes
Best Suited For Tanishq, Titan & Mia Purchases
Rewards Type Reward Points

Rewards Rate

Up to 7.5% cashback at Titan, Fastrack, Helios & Skinn; 5% on Tanishq, Zoya & CaratLane; 6 points per ₹100 on other spends

Welcome Benefits

12,000 Reward Points (worth ₹3,000) on annual fee payment

Card Details +

Key Advantages

  • ✓ Up to 7.5% cashback at World of Titan, Fastrack, Helios & Skinn stores
  • ✓ 8 domestic + 4 international lounge visits per year
  • ✓ 12,000 Reward Points (worth ₹3,000) on annual fee payment
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Base reward rate on non-Titan spends redeems at just ₹0.25/point
  • ✕ Highest cashback tier is limited to Titan Group brands specifically
  • ✕ ₹3 Lakh annual spend needed for the renewal fee waiver
Full Card Review →

ICICI Bank Coral Credit Card

4.1/5
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ICICI Bank Coral Credit Card by ICICI Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Everyday Dining & Movie Discounts
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 spent; 10,000 bonus Reward Points achievable annually

Welcome Benefits

Welcome benefits vary by current offer; 10,000 bonus Reward Points achievable annually via milestones

Card Details +

Key Advantages

  • ✓ 15%+ dining discount at 2,500+ Culinary Treats partner restaurants
  • ✓ 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
  • ✓ 4 complimentary railway lounge visits annually
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Movie discount requires ₹25,000 spend in the preceding quarter
  • ✕ Base reward rate of 2 points per ₹100 is modest
Full Card Review →

ICICI Bank Expression Credit Card

4.2/5
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ICICI Bank Expression Credit Card by ICICI Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Custom Image Card Face Design
Rewards Type Reward Points

Rewards Rate

3 PAYBACK Points per ₹100 on all categories; 1 point per ₹100 on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ Customizable card design from 175+ options across Zodiac, Sports & Travel themes
  • ✓ 3 PAYBACK Points per ₹100 spent on all categories
  • ✓ Low ₹499 fee with an easily reachable ₹1.5 Lakh waiver threshold
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Reduced 1 point per ₹100 on utility and insurance spends
  • ✕ Card design customization is the main differentiator, not rewards value
Full Card Review →

Nova Credit Card

4.1/5
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Nova Credit Card by RBL Bank
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Best Suited For Entry-Level Rewards & Everyday Purchases
Rewards Type Reward Points

Rewards Rate

12 points per ₹200 (6% value-back) on flights/hotels via the Nova booking portal; 4 points per ₹200 on other spends

Welcome Benefits

Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee

Card Details +

Key Advantages

  • ✓ 12 domestic + 12 international lounge visits per year, plus 4 guest visits
  • ✓ Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee
  • ✓ 6% value-back on flights & hotels via the dedicated Nova booking portal
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ ₹12,500 annual fee, high relative to most travel cards
  • ✕ Invite-only; not available for direct public application
  • ✕ Top travel rate only applies via the Nova-specific booking portal
Full Card Review →

Platinum Maxima Credit Card

4.4/5
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Platinum Maxima Credit Card by RBL Bank
Joining Fee ₹2,000 + Taxes
Annual Fee ₹2,000 + Taxes
Best Suited For 10X Rewards on Dining & International Spends
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹100 on dining, entertainment, utilities & international spends (2.5%); 2 points per ₹100 on other spends

Welcome Benefits

8,000-10,000 Reward Points welcome bonus on annual fee payment + 1 eligible transaction within 30 days

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹100 on dining, entertainment, utilities & international spends
  • ✓ 8,000-10,000 Reward Points welcome bonus on annual fee payment
  • ✓ 1 complimentary BookMyShow movie ticket every month, up to ₹100
  • ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Limitations

  • ✕ No international lounge access despite the premium positioning
  • ✕ No spend-based annual fee waiver offered
  • ✕ Reward redemption carries a ₹99 + GST processing charge
Full Card Review →

RBL Bank Play Credit Card

4.3/5
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RBL Bank Play Credit Card by RBL Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For BookMyShow Movie Tickets & Entertainment
Rewards Type Reward Points

Rewards Rate

2 free movie/event tickets per month on ₹5,000 monthly spend; ₹500 welcome BookMyShow discount

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 2 free movie/event tickets every month on ₹5,000 monthly spend
  • ✓ ₹500 welcome discount on BookMyShow bookings
  • ✓ ₹100 off food & beverages when booking tickets via the card
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access
  • ✕ No conventional reward points program, ticket-based benefits only
  • ✕ Requires ₹5,000 monthly spend to unlock the free tickets
Full Card Review →

IndusInd Bank Platinum Aura Edge Credit Card

4.3/5
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IndusInd Bank Platinum Aura Edge Credit Card by IndusInd Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Flexible Reward Plans & Daily Shopping
Rewards Type Reward Points

Rewards Rate

Up to 4-8X Reward Points per ₹100 in your chosen plan category (Home, Shop, Travel or Party); 0.5 points per ₹100 outside it

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Choose a reward plan (Home, Shop, Travel or Party) matched to your spending pattern
  • ✓ Up to 8X Reward Points in your chosen category, redeemable at ₹0.40/point
  • ✓ Lifetime free card with no annual fee
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ Base reward rate outside your chosen category is a low 0.5 points per ₹100
  • ✕ Lounge access benefits are unclear and vary by source; confirm current terms with IndusInd
  • ✕ Only one reward category can be active at a time
Full Card Review →

PVR INOX Kotak Credit Card

4.5/5
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PVR INOX Kotak Credit Card by Kotak Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Frequent Moviegoers at PVR & INOX
Rewards Type Reward Points

Rewards Rate

Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped
  • ✓ 5% savings on PVR movie tickets
  • ✓ 20% savings on food & beverages at PVR cinemas
  • ✓ Fee waiver threshold (Includes free PVR/INOX movie ticket vouchers every month)

Limitations

  • ✕ No airport lounge access, only PVR INOX in-cinema lounges
  • ✕ Value is concentrated around movie-going, not general spending
  • ✕ Requires ₹10,000 monthly spend to unlock each free ticket
Full Card Review →

Corporate Platinum Credit Card

4.1/5
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Corporate Platinum Credit Card by Kotak Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Corporate Travel & Expense Management
Rewards Type Reward Points

Rewards Rate

Reward points on all business and travel spends, with fuel and railway surcharge waivers

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Fuel surcharge waiver on corporate fuel spends
  • ✓ Railway surcharge waiver included
  • ✓ Airport lounge access for corporate travel
  • ✓ Fee waiver threshold (Corporate card with zero annual fee)

Limitations

  • ✕ Requires an employer-linked corporate account relationship with Kotak
  • ✕ Fewer consumer lifestyle perks than Kotak's retail premium cards
  • ✕ Best suited for expense management rather than personal rewards maximization
Full Card Review →

Standard Chartered Rewards Credit Card

4.3/5
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Standard Chartered Rewards Credit Card by Standard Chartered
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Everyday Reward Points & Fuel Waivers
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹150 on all retail spends (excl. govt/insurance/fuel); +4 extra points per ₹150 on monthly spends above ₹20,000

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 4 Reward Points per ₹150 on all retail spends, doubling above ₹20,000 monthly spend
  • ✓ 4 domestic lounge visits/year (1 per quarter)
  • ✓ 1% fuel surcharge waiver (up to ₹400/month)
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Government, insurance & fuel spends are excluded from reward points
  • ✕ Fuel surcharge waiver is capped at ₹400/month
  • ✕ No joining fee, but a ₹1,000 renewal fee applies from year 2
Full Card Review →

Standard Chartered Platinum Rewards Card

4.1/5
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Standard Chartered Platinum Rewards Card by Standard Chartered
Joining Fee ₹250 + Taxes
Annual Fee ₹250 + Taxes
Best Suited For
Rewards Type Reward Points

Rewards Rate

5 Reward Points per ₹150 on hotels, restaurants & fuel; 1 point per ₹150 on other categories, uncapped

Welcome Benefits

100% cashback up to ₹500 on restaurant spends within the first 90 days

Card Details +

Key Advantages

  • ✓ 5 Reward Points per ₹150 on hotels, restaurants & fuel, with no monthly cap
  • ✓ Complimentary Priority Pass membership covering 1,200+ airport lounges worldwide
  • ✓ 100% cashback up to ₹500 on restaurant spends within the first 90 days
  • ✓ 15% discount at 850+ participating restaurants across India

Limitations

  • ✕ Base reward rate outside bonus categories is a low 1 point per ₹150
  • ✕ Joining fee waiver requires ₹500 spend within 30 days of issuance
  • ✕ Complimentary travel insurance terms vary; confirm current coverage with Standard Chartered
Full Card Review →

American Express Membership Rewards® Credit Card

4.6/5
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American Express Membership Rewards® Credit Card by American Express
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Monthly Milestone Bonus Rewards Points
Rewards Type Reward Points

Rewards Rate

1 Membership Rewards Point per ₹50 spent (excl. fuel, utility, insurance); milestone bonus of 2,000 points on ₹20,000+ monthly spend

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 2,000 bonus Membership Rewards Points on crossing ₹20,000 in monthly spend
  • ✓ 1,000 points for 4+ transactions of ₹1,500 or more in a month
  • ✓ Points redeemable across American Express's Membership Rewards catalogue
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ No complimentary airport lounge access on this entry-tier Amex card
  • ✕ Fuel, utility & insurance spends are excluded from points
  • ✕ Milestone bonuses require hitting both transaction-count and spend thresholds
Full Card Review →

IDFC FIRST Business Max Credit Card

4.4/5
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IDFC FIRST Business Max Credit Card by IDFC FIRST Bank
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Business Vendor Payments & Commercial Spends
Rewards Type Reward Points

Rewards Rate

6 Reward Points per ₹200 on domestic online spends; 4 points per ₹200 offline; up to 3 points on UPI

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 6 Reward Points per ₹200 on domestic online spends
  • ✓ Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500
  • ✓ Low forex markup fee of 1.5% on international spends
  • ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Limitations

  • ✕ FD-backed card requires a minimum ₹10,000 fixed deposit
  • ✕ Offline spends earn a reduced 4 points per ₹200
  • ✕ Finance charges of 12% per annum apply on revolving balances
Full Card Review →

IDFC FIRST Business Multiplier Credit Card

4.6/5
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IDFC FIRST Business Multiplier Credit Card by IDFC FIRST Bank
Joining Fee ₹2,999 + Taxes
Annual Fee ₹2,999 + Taxes
Best Suited For Multiplied Business Tax & Commercial Spends
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5 points per ₹200 thereafter

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend
  • ✓ 8 complimentary domestic + international lounge visits/year
  • ✓ Zero forex markup on international transactions
  • ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Limitations

  • ✕ FD-backed card requires a ₹50,000 fixed deposit
  • ✕ Reward rate halves to 5 points per ₹200 beyond ₹1 Lakh monthly spend
  • ✕ Lounge access requires ₹20,000 spend in the preceding month
Full Card Review →

IDFC FIRST Select Credit Card

4.5/5
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IDFC FIRST Select Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Buy 1 Get 1 Movies & Low Interest Rates
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining, travel & international spends (~1.25%); 3 points per ₹200 on other spends; 1 point per ₹200 on utilities/insurance/FASTag/railway

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining, travel & international spends
  • ✓ 1 domestic lounge visit/quarter plus 4 railway lounge visits/quarter
  • ✓ Reward points never expire and carry no redemption fee
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ Domestic lounge access requires ₹20,000 spend in the preceding month
  • ✕ Reward points redeem at a modest ₹0.25 per point
  • ✕ Base rate on other spends is just 3 points per ₹200
Full Card Review →

IDFC FIRST Classic Credit Card

4.3/5
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IDFC FIRST Classic Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For 10X Birthday Rewards & Zero Annual Fee
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining, travel & international spends; 3 points per ₹200 on other spends; 1 point per ₹200 on insurance, utilities, railways, FASTag & UPI (up to ₹2,000)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining, travel & international spends
  • ✓ Up to 20% dining discount at 1,500+ partner restaurants
  • ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access, only railway lounges
  • ✕ Insurance, utilities, FASTag & UPI spends are capped at ₹2,000 for rewards
  • ✕ Base rate on other spends is just 3 points per ₹200
Full Card Review →

IDFC FIRST Millennia Credit Card

4.4/5
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IDFC FIRST Millennia Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Gen-Z Online Shopping & 10X Rewards
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining and travel spends (~1.25%); 3 points per ₹200 on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining and travel spends
  • ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
  • ✓ Reward points never expire, redeemable at ₹0.25 per point
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access, only railway lounges
  • ✕ Base rate on other spends is a modest 3 points per ₹200
  • ✕ Positioned below Select/Wealth in IDFC FIRST's lifetime-free tier
Full Card Review →

OneCard Metal Credit Card

4.6/5
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OneCard Metal Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Metal Card Experience & 5X Reward Categories
Rewards Type Reward Points

Rewards Rate

1% cashback on your top 2 auto-detected spend categories; 0.25% on other spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 1% cashback on your top 2 spend categories, auto-detected by the app
  • ✓ 4 domestic lounge visits/quarter via Visa Signature
  • ✓ Reward points never expire once earned
  • ✓ Fee waiver threshold (Lifetime free metal credit card)

Limitations

  • ✕ Base reward rate outside top categories is a low 0.25%
  • ✕ Lounge access reporting varies by source; confirm current terms with OneCard
  • ✕ Only 2 spend categories qualify for the 1% rate at a time
Full Card Review →

Cheq AU Credit Card

4.3/5
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Cheq AU Credit Card by AU Small Finance Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Accelerated CheqChips on Credit Card Bill Payments
Rewards Type Reward Points

Rewards Rate

12% rewards on Amazon, Flipkart, Zomato, BigBasket & CheQ app bill payments/travel; 5% on other online shopping, travel, food delivery & grocery; 1% base rate

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app
  • ✓ 5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery
  • ✓ 24 CheQ Points per ₹200 on utility bill payments via the CheQ app
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access
  • ✕ Top rates require routing spends through the CheQ app specifically
  • ✕ Base reward rate outside CheQ-linked spends is just 1%
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Tata Neu Infinity SBI Card

4.7/5
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Tata Neu Infinity SBI Card by SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Premium Tata Neu & Travel Spenders
Rewards Type Reward Points

Rewards Rate

5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on select categories; 1.5% on other spends including UPI

Welcome Benefits

1,499 NeuCoins on first transaction within 30 days, fully offsetting the joining fee

Card Details +

Key Advantages

  • ✓ Up to 10% NeuCoins on select Tata Neu category purchases
  • ✓ 8 domestic lounge visits/year plus a complimentary Priority Pass membership
  • ✓ 4 complimentary international lounge visits per year via Priority Pass
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Domestic lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate on non-Tata spends is 1.5%
  • ✕ Best value is realized within the Tata Neu ecosystem, not general retail
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SBI Card ELITE

3.5/5
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SBI Card ELITE by SBI Card
Joining Fee ₹4,999* Plus Applicable Taxes
Annual Fee ₹4,999* Plus Applicable Taxes
Best Suited For High-Volume Everyday Spends on Groceries, Dining & Movies
Rewards Type Reward Points

Rewards Rate

5X Reward Points (10 points per ₹100 spent) on Dining, Groceries, and Departmental Store spends (equivalent to a 2.5% value back); 2 Reward Points per ₹100 spent on all other regular retail purchases (equivalent to a 0.5% value back); 4 Reward Points = ₹1

Welcome Benefits

Welcome gift vouchers worth ₹5,000 upon card activation from choice of brand partners (Bata/Hush Puppies, Pantaloons, Yatra, Shoppers Stop, or Aditya Birla Fashion); Complimentary 1-year Club ITC membership unlocking a 50% discount on the 2nd-night stay at participating ITC Hotels

Card Details +

Key Advantages

  • ✓ Welcome brand vouchers fully offset the upfront first-year joining fee barrier
  • ✓ Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow
  • ✓ Airport lounge access covering both domestic and international terminals
  • ✓ Competitive low foreign currency exchange transaction markup fee of 1.99%

Limitations

  • ✕ Accelerated reward categories cap out at a 2.5% value back, which underperforms compared to select lower-fee cards
  • ✕ Extremely weak base reward rate of 0.5% for general transactions outside accelerated tiers
  • ✕ High ongoing annual retail spend threshold of ₹10 Lakh required to trigger the renewal fee waiver
  • ✕ Previously included travel memberships like Club Vistara Silver and Trident Red Tier have since been discontinued
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HDFC Pixel Go Credit Card

4.1/5
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HDFC Pixel Go Credit Card by HDFC Bank
Joining Fee ₹250 + Taxes
Annual Fee ₹250 + Taxes
Best Suited For Flexible EMI Conversions & Digital First-Time Cardholders
Rewards Type Reward Points

Rewards Rate

1 CashPoint per ₹150 retail; flexible PayZapp instant EMI conversion

Welcome Benefits

500 PayZapp CashPoints on card setup & fee payment

Card Details +

Key Advantages

  • ✓ Instant PayZapp app-based purchase-to-EMI conversion at attractive interest rates
  • ✓ Digital card issuance with customizable widget controls in PayZapp
  • ✓ Low fee waiver threshold of ₹50,000 annual retail spends
  • ✓ 1% fuel surcharge waiver across all fuel stations

Limitations

  • ✕ Modest base reward rate of 1 CashPoint per ₹150 spent
  • ✕ No airport lounge access benefits
  • ✕ Designed primarily around EMI flexible payments rather than high cashback
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HDFC Freedom Credit Card

4.1/5
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HDFC Freedom Credit Card by HDFC Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Beginners & Daily Merchants Spends
Rewards Type Reward Points

Rewards Rate

10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber

Welcome Benefits

500 CashPoints on payment of joining fee

Card Details +

Key Advantages

  • ✓ 10X CashPoints on popular merchant partners (Swiggy, Uber, BigBasket, BookMyShow)
  • ✓ 5X CashPoints on EMI spends
  • ✓ 1% fuel surcharge waiver across all fuel stations
  • ✓ Low annual spend requirement (₹50,000) for fee waiver

Limitations

  • ✕ Monthly cap of 2,500 CashPoints on 10X categories
  • ✕ 1 CashPoint per ₹150 on general retail spends is modest
  • ✕ CashPoint redemption for statement credit requires minimum 500 points
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Shoppers Stop Black HDFC Bank Credit Card

4.4/5
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Shoppers Stop Black HDFC Bank Credit Card by HDFC Bank
Joining Fee ₹4,500 + Taxes
Annual Fee ₹4,500 + Taxes
Best Suited For Shoppers Stop Loyalists & Premium Fashion Spenders
Rewards Type Reward Points

Rewards Rate

20 First Citizen Points per ₹200 at Shoppers Stop; 4 points/₹150 on other retail

Welcome Benefits

₹1,500 Shoppers Stop voucher + Complimentary First Citizen Black Tier Membership

Card Details +

Key Advantages

  • ✓ Highest tier First Citizen Black membership status at Shoppers Stop
  • ✓ 20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products
  • ✓ Complimentary airport lounge access: 16 domestic + 8 international visits/year
  • ✓ ₹1,500 welcome voucher + milestone discount vouchers

Limitations

  • ✕ High annual fee of ₹4,500 + Taxes
  • ✕ Maximum rewards locked to Shoppers Stop ecosystem
  • ✕ High spend milestone of ₹4 Lakh for annual fee waiver
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Rewards Cards at a Glance

Best Rewards Credit Cards Comparison Table
Card Fee Rating
1. Standard Chartered Ultimate Credit Card Rs. 5,000 + Taxes ★ 3.5 View →
2. Axis Bank Neo Credit Card Free ★ 3.0 View →
3. Axis Bank REWARDS Credit Card ₹1,000 + Taxes ★ 4.0 View →
4. Axis Bank My Zone Credit Card ₹500 + Taxes ★ 4.0 View →
5. Axis Bank Privilege Credit Card ₹1,500 + Taxes ★ 4.3 View →
6. Tata Neu Plus SBI Card ₹499 + Taxes ★ 4.2 View →
7. Reliance SBI Card PRIME ₹2,999 + Taxes ★ 4.5 View →
8. Reliance SBI Card ₹499 + Taxes ★ 4.1 View →
9. Titan SBI Card ₹2,999 + Taxes ★ 4.5 View →
10. ICICI Bank Coral Credit Card ₹500 + Taxes ★ 4.1 View →
11. ICICI Bank Expression Credit Card ₹499 + Taxes ★ 4.2 View →
12. Nova Credit Card ₹12,500 + Taxes ★ 4.1 View →
13. Platinum Maxima Credit Card ₹2,000 + Taxes ★ 4.4 View →
14. RBL Bank Play Credit Card ₹500 + Taxes ★ 4.3 View →
15. IndusInd Bank Platinum Aura Edge Credit Card ₹500 + Taxes ★ 4.3 View →
16. PVR INOX Kotak Credit Card ₹499 + Taxes ★ 4.5 View →
17. Corporate Platinum Credit Card Free ★ 4.1 View →
18. Standard Chartered Rewards Credit Card ₹1,000 + Taxes ★ 4.3 View →
19. Standard Chartered Platinum Rewards Card ₹250 + Taxes ★ 4.1 View →
20. American Express Membership Rewards® Credit Card ₹1,000 + Taxes ★ 4.6 View →
21. IDFC FIRST Business Max Credit Card ₹1,499 + Taxes ★ 4.4 View →
22. IDFC FIRST Business Multiplier Credit Card ₹2,999 + Taxes ★ 4.6 View →
23. IDFC FIRST Select Credit Card Free ★ 4.5 View →
24. IDFC FIRST Classic Credit Card Free ★ 4.3 View →
25. IDFC FIRST Millennia Credit Card Free ★ 4.4 View →
26. OneCard Metal Credit Card Free ★ 4.6 View →
27. Cheq AU Credit Card ₹499 + Taxes ★ 4.3 View →
28. Tata Neu Infinity SBI Card ₹1,499 + Taxes ★ 4.7 View →
29. SBI Card ELITE ₹4,999* Plus Applicable Taxes ★ 3.5 View →
30. HDFC Pixel Go Credit Card ₹250 + Taxes ★ 4.1 View →
31. HDFC Freedom Credit Card ₹500 + Taxes ★ 4.1 View →
32. Shoppers Stop Black HDFC Bank Credit Card ₹4,500 + Taxes ★ 4.4 View →

Frequently Asked Questions

How do reward points actually work?

Most Indian issuers award a fixed number of points per ₹100 or ₹150 spent. Points sit in your card's rewards account and can usually be redeemed via the issuer's app or portal for vouchers, catalogue items, flight bookings, or occasionally converted into airline/hotel loyalty miles at a set exchange ratio.

Do reward points expire?

Yes, in most cases. Validity is typically 2 to 3 years from the date they're credited, though it varies by issuer. Check your card's terms, as some premium cards offer non-expiring points as a benefit.

Are rewards cards better than cashback cards?

It depends on your spending habits. Rewards cards tend to offer higher value when redeemed for flights or premium catalogue items, especially with milestone bonuses. Cashback cards are simpler and give you a guaranteed, predictable return with no redemption effort.

Do I need a high income to qualify for a rewards card?

Not necessarily. Several entry-level rewards cards on this list accept salaried applicants starting around ₹25,000-₹35,000/month. Premium rewards cards with higher earn rates and lounge access usually require ₹1 Lakh+/month or an equivalent ITR.

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