Best Reward Credit Cards in India

In simple terms, a rewards credit card is a kind of credit card that offers rewards to its users for using the card. These rewards usually include cashback, travel rewards or bank points. You can redeem the earned reward points for merchandise, gift cards, travel expenses, and so on. Rewards credit cards come in different forms, such as travel, airline, cashback, or hotel rewards. Each card category has its own advantages and disadvantages.

Below is the table of the best rewards credit cards in India:

Following are top 10 reward credit cards in India that will earn you attractive reward points on all your transactions:

1. Axis Rewards Credit Card

This card is your reward points on all your spends as well as joining and renewal benefits. 

• Joining Fee: Rs. 1,000
• Annual Fee: Rs. 1,000; Waived off on annual spends of Rs. 2,00,000 or above.

Key Features:

• 5,000 EDGE REWARD points as a welcome benefit on cumulative total spends of Rs. 1,000 or more within 30 days of card issuance.
• Unlimited 2 EDGE REWARD points on spending every Rs. 125.
• 10X reward points on spending every Rs. 125 on apparel & departmental stores.
• Get accelerated reward points on spending up to Rs. 7,000 per month on specific categories.
• Get memberships up to Rs. 1,000 every anniversary year.
• 1,500 EDGE REWARD points on total spending of Rs. 30,000 per statement cycle.
• 30% (up to Rs. 150 per order) off on Swiggy food delivery.
• Up to 15% (maximum Rs. 500) off on dining at partner restaurants.
• 2 complimentary access per quarter to select domestic airport lounges.
• 1% fuel surcharge waiver at all fuel stations in India.
• Purchase Protection Cover & Credit Shield Cover of up to Rs. 1 Lakh each.
• Up to USD 300 cover for check-in baggage delay & loss of travel documents. 
• Up to USD 500 cover for check-in baggage loss.

2. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Card offers you unsurpassed rewards and offers, with instant recognition and exclusive privileges. 

• Joining Fee: Nil
• Annual Fee: Nil

Key Features:

• 2 reward points for spending every Rs. 150.
• 5X rewards on subsequent purchases made after crossing spending amount of Rs. 4 Lakhs (maximum 15,000 accelerated reward points in an anniversary year).
• Nil joining and annual fees.
• Air miles conversion on InterMiles, Singapore Airlines, and British Airways.
• Up to Rs. 3,000 annual savings on fuel surcharge.
• New credit card customers can get an Amazon voucher worth Rs. 500 on a transaction of a minimum of Rs. 5,000 within 30 days of card issuance. Offer valid from 1 Jan 2024 to 30 June 2024.
• Buy-one-get-one-free offer on movie tickets booked on Saturdays. Offer valid from 1 January 2024 to 31 March 2024.
• Discounts on movies, flights, restaurants and more.
• Zero liability for lost cards.
• Emergency card replacement.

3. HDFC Bank Diners Club Rewardz Credit Card

With this card, you can earn 3 reward points on spending every Rs. 150 as well as 1000 reward points as joining and renewal benefits.

• Joining Fee: Rs. 1,000 + taxes
• Annual Fee: Rs. 1,000 + taxes. Waived on spending Rs. 1 Lakh in 12 months.

Key Features:

• Welcome benefit of 1000 points.
• Renewal benefit of 1000 points.
• Earn 3 reward points for spending every Rs. 150.
• Up to 5% cashback for spending via SmartBuy.
• Redeem points for: 
  • Exclusive gifts from the rewards catalogue
  • Booking air tickets or hotels across 150+ airlines and hotels (domestic & international) at www.hdfcbankdinersclub.com.
  • AirMiles across Jet Airways (JPMiles), or Singapore Airlines (KrisFlyer Miles). 

• 24x7 concierge service for travel needs.
• Lowest markup on foreign currency transactions of just 3%

4. AU Zenith Credit Card

Zenith is the most premium credit card offered by AU Small Finance Bank which offers a range of benefits like attractive rewards on all spends, best offers, travel benefits, and so on.

• Joining Fee: Rs. 7,999 + applicable taxes. Waived on Rs. 1,25,000 retail spends done within 90 days of card set up.
• Annual Fee: Rs. 7,999 + applicable taxes. Waived on Rs. 5,00,000 retail spends done in the previous card anniversary year.

Key Features:

• 20 reward points (maximum 5,000 in a statement cycle) on spending every Rs. 100 on dining at standalone restaurants.
• 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.
• 5 reward points on spending per Rs. 100 across other merchant categories.
• 1 reward point on spending per Rs. 100 on BBPS and utility & telecom categories.
• 2,500 bonus reward points on completing one retail transaction on your birthday.
• Get Rs. 1,000 vouchers on minimum retail spends of Rs. 2 Lakhs per calendar quarter. 
• Complimentary Epicure Membership on a minimum of Rs. 8 Lakhs retail spends in a card anniversary year. 
• Low cross-currency foreign mark-up fee of 1.99% on International transactions.
• 2 complimentary lounge access per calendar quarter within India.
• 2 complimentary lounge access per calendar quarter at railway stations.
• 1% (maximum Rs. 1,000 per statement cycle) fuel surcharge waiver for fuel transactions across all fuel stations in India.
• Comprehensive Protection Cover.

5. SBI Card PRIME

This card gives you rewards on all retail spending including dining, groceries, movies, and departmental stores.

• Joining Fee: Rs. 2,999 + taxes
• Annual Fee: Rs. 2,999 + taxes. Waived on annual spends of Rs. 3 Lakhs.

Key Features:

• 10 reward points per Rs.100 spent on dining, groceries, movies, and departmental stores.
• 2 reward points per Rs. 100 on all other retail spends except fuel.
• 20 reward points (maximum 2000 per calendar year) per Rs. 100 spent on your birthday.
• Exclusive 1,000 welcome points on registration.
• 1,500 bonus points on first stay & additional Rs. 1,000 hotel credit on an extended night stay, by using Promo code: SBITH
• 9 Club Vistara Points for every Rs. 100 spent on Vistara flights.
• Pay your card outstanding with reward points by the value of 4 Reward Points = Rs. 1.
• Welcome e-gift Voucher worth Rs. 3,000 from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com.
• 1% (maximum Rs. 250 per month, per statement cycle) fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 4,000 across all petrol pumps.
• Pizza Hut e-Voucher worth Rs. 1,000 on achieving spending of Rs. 50,000 in a calendar quarter.
• E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spending of Rs. 5 Lakhs.
• Complimentary Trident Privilege Red Tier membership.
• Complimentary Club Vistara Silver membership.
• 1 upgrade voucher.
• 4 complimentary visits per calendar year (maximum 2 visits per quarter) to international priority pass lounges, outside India.
• 8 complimentary visits per calendar year (maximum 2 visits per quarter) to domestic lounges in India.

6. IDFC FIRST Millennia Credit Card

Earn unlimited reward points with the IDFC FIRST Millennia Credit Card that never expire.

• Joining Fee: Rs. 199 + GST 
• Annual Fee: Rs. 199 + GST

Key Features:

• 10X reward points on incremental spends above Rs. 20,000 per month & spends done on your birthday.
• 6X & 3X reward points on online and offline purchases respectively for spending up to Rs. 20,000 per month.
• Up to 3X reward points on all UPI spends.
• 3X reward points on rental & property management transactions.
• 1X reward point on insurance premium payments & utility bill payments.
• Unlimited reward points that never expire.
• Use reward points to pay for online or in-store purchases.
• 1X = 1 reward point per Rs. 150 spent.
• 1 reward point = Rs. 0.25.
• 100% cashback (up to Rs. 200) on the first 4 UPI transactions (Limited Period Offer).
• Welcome voucher worth Rs. 500 on spending Rs. 5,000 or above within 30 days of card generation.
• 5% cashback (up to Rs. 1,000) on the transaction value of the first EMI done within 30 days of card generation.
• 25% discount on movie tickets (up to Rs. 100) on Paytm mobile app (valid once per month).
• 4 complimentary railway lounge visits per quarter.
• Complimentary Roadside Assistance worth Rs. 1,399.
• 1% fuel surcharge waiver at all fuel stations across India.
• Up to 20% discount at 1500+ restaurants & up to 15% discount at 3000+ Health & Wellness outlets.
• Personal Accident Cover of Rs. 2,00,000 & Lost Card Liability Cover of Rs. 25,000.

7. IndusInd Bank Legend Credit Card

This lifetime free credit card from IndusInd Bank gives you 1 reward point for spending every Rs. 100 on weekdays and 2 on weekends.

• Joining Fee: Nil
• Annual Fee: Nil

Key Features:

• 1 reward point for spending every Rs. 100 on weekdays.
• 2 reward points for spending every Rs. 100 spent on weekends.
• 4,000 bonus reward points on spending Rs. 6 Lakhs or above within one year from the date of card issuance.
• Complimentary stay at your favourite Oberoi Hotel in India, various discount vouchers from multiple brands like Amazon/ Flipkart/ Apollo Pharmacy/ Zee5/ Uber/ Ola/, and other welcome gifts.
• Priority Pass membership for you and your partner.
• Buy one movie ticket and get the second one free. Avail up to 1 free ticket in a month. Get an additional Rs. 50 off on selecting the F&B option. Offer valid on all theatres registered with BookMyShow in all major cities.
• 1.8% discounted foreign currency mark-up.
• 1% fuel surcharge waiver.

8. American Express Membership Rewards® Credit Card

Earn reward points on all spending as well as welcome gifts and milestone achievements.

• Joining Fee: Rs. 1,000 + applicable taxes.
• Annual Fee: Rs. 4,500 + applicable taxes. 100% waived off on total spends of Rs. 1,50,000 and above in the immediately preceding membership year. 50% waived off on total spends of Rs. 90,000 to Rs. 1,49,999 in the immediately preceding membership year.

Key Features:

• 1 Membership Rewards® Point for spending every Rs. 50 (except for spending on fuel, insurance, utilities, cash transactions & EMI conversion at the Point of Sale).
• Welcome gift of 4,000 bonus Membership Rewards® Points.
• 1,000 Bonus Membership Rewards Points for using the card 4 times on transactions of Rs. 1,500 or above in a calendar month.
• Additional 1,000 Membership Rewards points on spending Rs. 20,000 or more in a calendar month. 
• 5,000 Membership Rewards Points on the first year card renewal (on payment of annual membership fee). 
• Get any one of the fabulous reward options from the stunning new 18 and 24 Karat Gold Collection4, specially chosen for you.
• 24,000 MR points/ 24 Karat Gold Collection: (choose any of below)
  • Taj voucher worth Rs. 14,000
  • Shoppers Stop voucher worth Rs. 10,000
  • Tanishq voucher worth Rs. 9,000
  • Tata Cliq voucher worth Rs. 9,000
  • Flipkart voucher worth Rs. 8,000
  • Amazon voucher worth Rs. 8,000
  • Reliance Digital voucher worth Rs. 8,000
• 18,000 MR points/ 18 Karat Gold Collection: (choose any of below)
  • Taj voucher worth Rs. 9,000
  • Shoppers Stop voucher worth Rs. 7,000
  • Myntra voucher worth Rs. 7,000
  • Tata Cliq voucher worth Rs. 7,000
  • Flipkart voucher worth Rs. 6,000
  • Amazon voucher worth Rs. 6,000
  • Reliance Digital voucher worth Rs. 6,000

• 0% convenience fee on fueling up at HPCL.
• Up to 20% discount on dining at select restaurants.

9. Standard Chartered Rewards Credit Card

Enjoy 4 times more reward points on the Standard Chartered Rewards Credit Card with zero joining fee.

• Joining Fee: Nil
• Annual Fee: Rs. 1,000 + GST. Reversed on spending Rs. 1,50,000 or higher in the previous year.

Key Features:

• 4X rewards on all retail spends + additional 4X rewards on monthly retail spends above Rs. 20,000.
• 4 reward points on spending per Rs. 150 on all retail spends (except government, insurance & fuel).
• Additional 4 reward points on spending per Rs. 150 on monthly retail spends above Rs. 20,000 (maximum 2000 bonus reward points per statement cycle).
• 1 reward point on every Rs. 150 spent on government & insurance categories.
• 4000 reward points on payment of annual fees.
• 1 complimentary domestic lounge visit per calendar quarter (4 per year).
• 1% fuel surcharge waiver on all fuel spends.

10. Kotak Mahindra Urbane Gold Credit Card

With Kotak Urbane Gold Credit Card, you get 3 reward points on every Rs. 100 spent. 

• Joining Fee: Nil
• Annual Fee: Rs. 199

Key Features:

• Spend Rs. 1, 00,000 in a year & get 4 free PVR tickets or 10,000 reward points.
• Apply & get 2000 bonus reward points on your first swipe.
• Earn 3 reward points on spending every Rs. 100 on retail.
• Every 1000 reward points have a redeemable worth of Rs. 100.
• Minimum 1000 points required for redemption.
• Get an add-on card & enjoy added benefits with it.

We are partnered with 100+ Banks and Non-Banking Financial Companies (NBFCs) in India. Applying for the best rewards credit card online is easy and quick through our lending portal. You can check your eligibility for the preferred rewards credit card and apply for it instantly.

All you need to do is just follow the steps mentioned below:

• Click the Credit Cards tab on the homepage.
• Find the list of rewards credit cards offered by our partner lenders.
• Choose your preferred option and fill in the detailed online application form to complete the application process.
• If you are considered eligible by the lender, you can apply online for the card by following the subsequent steps.
• On successfully submitting all the documents and the application form as required by the lender, you will receive an 'Application ID', which can be used to track your application and for future reference.