12+ Best Reward Credit Cards in India

Benefits of Reward Credit Cards in India

If you use reward credit cards, you are eligible for the following benefits:

• Anyone can afford these cards as they come with a minimum or no joining/annual fee
• Maximize savings on almost all of your transactions
• Get exclusive welcome benefits
• Offer benefits on travel, hotel, shopping, or dining
• Reward points can be redeemed against various categories like shopping, vouchers, cashback, or travel/hotel bookings. 

List of Top Reward Credit Cards in India

It can be challenging to choose the best rewards credit card among multiple options. We have compiled a personalised list of the best reward credit cards in India to help you choose the best one.

Best Cards for ₹15,000 – 20,000 Salary Employee

Choose the right Credit Cards for ₹15,000 – ₹20,000 salary earners. Compare fees, rewards, eligibility, and benefits to your income.

SBI SimplyCLICK Credit Card

• Fee: ₹499 + GST (waived on ₹1 lakh spend)
• Rewards: 10X points on popular online platforms like BookMyShow, Swiggy, Myntra; 5X other online spending; 1X offline.
• Welcome: 2,000 bonus points on activation.
• Extras: E-vouchers on milestones, no lounge access.
• Ideal for: Online-first shoppers who want maximum returns on digital spends.​

Tata Neu Plus SBI Credit Card

• Fee: ₹499 + GST (fees waived on spends)
• Rewards: NeuCoins on Tata brand and general spends, 2% NeuCoins on non-Tata spends.
• Extras: UPI integration, welcome NeuCoins/vouchers.
• Ideal for: Loyal customers of Tata ecosystem.​

HDFC Freedom Credit Card

• Fee: ₹500 + GST
• Rewards: CashPoints on retail spends, fuel surcharge waiver
• Welcome: 500 CashPoints
• Security: EMV chip, zero liability on lost cards

Swiggy HDFC Bank Credit Card

• Fee: ₹500 + GST (waived on ₹2L yearly spend)
• Cashback: ~10% on Swiggy, 5% on Amazon/Flipkart
• Welcome: 1,000 CashPoints

Premium & Super-Premium Cards: Elite Travel & Luxury

Choose from the best premium and super-premium cards with luxury travel rewards, exclusive privileges, VIP experiences.

Axis Bank Magnus Credit Card

• Fee: ₹12,500 + GST (waived on ₹15L spend)
• Rewards: 12-35 EDGE Points/₹200, 5x travel
• Perks: Unlimited lounges, hotel memberships, concierge​

Axis Bank Reserve Credit Card

• Fee: ₹50,000 + GST (waived on ₹35L spend)
• Rewards: 15-30 EDGE Points/₹200, luxury vouchers
• Perks: Unlimited global lounges + guests, golf, Accor/ITC memberships​

Axis Bank Burgundy Private (Invite-Only)

• Fee: ₹50,000 + GST
• Rewards: Top-tier EDGE Miles, exclusive benefits
• Perks: Priority everything, wellness/travel elite access

American Express Membership Rewards Credit Card

• Pay joining fee and spend Rs.15000 within 90 days to earn 4000 bonus membership reward points
• Best shopping credit card
• Get up to 20% off on selected dining restaurants 
• Earn 1000 membership reward points on the expenses of Rs.20,000 or more
• Use the card 4 times in a month and earn 1000 membership reward points (transaction should be of Rs.1500 or more)
• Purchases of 5000 or above can be converted into EMI’s
• 0% convenience fee on fuel expenses less than 5000rs 
• 1% convenience fee on fuel expenses of 5000rs or more
• With the first annual fee payment of the card, get 5000 membership reward points

AU Bank LIT Credit Card

• First customized credit card
• Get 3 months free subscription of Zee5, Amazon Prime, and Cult Fit
• Get 16 domestic airport lounge access yearly
• Spend Rs.10,000 in a month and cashback of up to Rs.1000
• 1% fuel surcharge exemption
• Select any benefit, price, and feature of the card according to your needs
• Turn off/on any feature of the card whenever you want

Axis Bank Atlas Credit Card

• Receive 2500 EDGE Miles on the first transaction
• Receive 5 EDGE Miles on travel
• Get up to 25% off on dining via EazyDiner
• Get international and domestic airport lounge access
• Worldwide approved card
• Offer a basic facility by spending a certain amount to be eligible 
• Premium perks under the tier-based facility

IndusInd Pinnacle World Credit Card

• No renewal fee is required
• Exclusive welcome benefits
• Buy one get one movie ticket offer thrice a month
• 4 international airport lounge access with priority pass yearly
• 4 domestic airport lounge access yearly
• Get free 12 golf games and golf lessons yearly
• Get air travel insurance benefits
• 1% fuel surcharge exemption
• Earn 2.5 reward points on online purchases
• Earn 1.5 reward points on online travel and airline expenses
• Earn 1 reward points on other expenses

HDFC Infinia Metal Credit Card

• Receive 5 reward points for every Rs150 spent 
• Complimentary weekend buffet and stay at ITC Hotels
• Welcome benefit of 12,500 Reward Points after paying the joining fee
• Earn 10X Reward Points on travel and shopping on Smartbuy
• Enjoy complimentary and unlimited airport lounge access in and outside India using the Priority Pass
• Accidental air death cover of ₹3 crore

BOBCARD Eterna Credit Card

• Receive a free FitPass Pro membership as a welcome benefit
• Get 20,000 bonus reward points by spending Rs.5,00,000 yearly
• Complimentary domestic lounge access 
• Get a buy one get one on movie tickets
• 1% fuel surcharge exemption
• No liability on a lost card
• 5X reward points on travel expenditure
• 5X reward points on dining indulges

Best Credit Cards by Spending Category

Conclusion

A reward credit card is the best option if you wish to earn rewards for your everyday spending. You can use your reward credit card to earn reward points that can be exchanged for a variety of services and significant rewards on all of your expenses, including bill payments, grocery, shopping, movies, and dining.

Before applying for any credit card, it is crucial to conduct thorough research because it is preferable to compare several credit cards and select the one that best suits your financial habits and lifestyle.

Frequently Asked Questions (FAQ)

Which is the best rewards credit card in India?

The best reward credit card list in India can be found above. All of the credit cards on this list, from basic to premium, are excellent reward credit cards that you can select from. However, pick the card that best fits your way of living.

Will I earn reward points on all my transactions?

Nearly every transaction you make, including those at department stores, movie theaters, travel, and shopping, will earn you reward points.

However, there are a few categories—fuel being one of them—where you do not receive reward points.

Is there any expiry date for reward points?

Banks have different expiration dates for reward points. Each bank has its reward point policies. While some banks offer reward points with a lifetime validity, others have an expiration date. Therefore, it is wise to review the terms and conditions of your bank’s card.