What are the Best Rewards Credit Cards in India in 2026?

Top 10 Rewards Credit Cards in India

We have listed cards that range from zero to Rs.12,500 in terms of annual and joining fees. Now, we will look at each of these cards one by one.

1. SBI Prime Credit Card -  For Significant Milestone Benefits 

The SBI Prime Credit Card offers multiple milestone benefits for spending more than Rs.50,000 in a calendar year. It is one of the best credit cards for reward points. Let’s look at the features and benefits of this credit card.

• Joining Fee

  • ₹2,999 + Taxes

• Annual Fee

  • ₹2,999 + Taxes

  • Waived off on spending ₹3 Lakh or more in the previous year

• Rewards & Benefits

  • Welcome gift of ₹3,000 e-voucher from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com 

  • 10 reward points for each spend of ₹100 on dining, groceries, departmental stores, and movies

  • 2 reward points for each ₹100 spent on all other retail spends, except fuel

  • Pizza Hut e-voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter

  • e-Gift voucher worth ₹7,000 from Yatra.com/Pantaloons on spending ₹5 Lakh in a year

  • 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)

  • 20 reward points per ₹100  spent on the cardholder’s birthday

  • 4 rounds of complimentary green fees access and up to 50% off on golf games, along with 1 complimentary lesson per month at selected golf courses across India

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 across all petrol pumps in India. 

  • Maximum waiver capped at ₹250 per statement cycle

2.  IDFC First Select Credit Card - For a Credit Card with UPI Services 

If you are looking for one of the best credit cards for cashback rewards, you can consider the IDFC First Select Credit Card. You can apply for this card if your annual income is Rs.12 Lakh or more. You even have the option to activate UPI on this card with a one-time payment of Rs.199 + GST.

• Joining Fee

  • NIL

• Annual Fee

  • NIL

  • ₹199+GST for UPI

• Rewards & Benefits

  • Voucher worth ₹500 from your favorite brand as joining benefits

  • Up to ₹1,000 cashback on your first EMI

  • 1 complimentary visit to domestic airport lounges every quarter on spending ₹20,000 in the previous month

  • Low forex markup fee at 1.99%+GST

  • Free trip cancellation covers up to ₹10,000 on non-refundable hotel and flight cancellations

  • Zero convenience fees on flight bookings with the IDFC FIRST Mobile Banking app

  • Bonus Reward Points on booking flights and hotels via the 'FIRST Rewards Gallery' section on the IDFC FIRST Bank Mobile App 

  • 10X reward points on spending on dining, travel, and international purchases, and spending on your birthday

  • 3X reward points on eligible spends

  • 1X reward points on utility bill payments, insurance premium payments, railway spends, and FASTag recharges

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver, on transactions ranging between ₹200 and ₹5,000 at any petrol pump across India

  • Capped at a maximum of ₹300 per month

3. Axis Bank REWARDS Credit Card - For Monthly Milestone Rewards 

Looking for a credit card that prioritizes high reward points on your everyday lifestyle spends? Then the Axis Bank REWARDS Credit Card is an excellent pick for you! It is particularly rewarding for those who spend frequently on apparel and at department stores, offering 10X reward points on these categories. 

• Joining Fee

  • ₹1,000 + Taxes

• Annual Fee

  • ₹1,000 + Taxes

  • Waived off on spending ₹2 Lakh or more in the previous year

• Rewards & Benefits

  • 5,000 EDGE REWARD points on net spending of ₹1,000 or above within 30 days of card issuance

  • 2 EDGE REWARD points on every ₹125 spent

  • Memberships up to ₹1,000 every anniversary year

  • 1,500 EDGE REWARD points on net spends of ₹30,000 per statement cycle

  • ₹150 instant discount on Swiggy on a minimum transaction value of ₹500, twice a calendar month

  • 2 complimentary domestic lounge access per quarter on spending ₹50,000 in the previous 3 calendar months 

  • Purchase protection cover up to ₹1 Lakh and a credit shield of ₹1 Lakh

• Fuel Surcharge Waiver

  • 1% fuel surcharge on fuel purchases at all stations across India, valid on transactions between ₹400 and ₹5,000, 

  • Benefits capped at ₹400 per statement cycle

4. HDFC Regalia Gold Credit Card - For Multiple Reward Options

The HDFC Regalia Gold Credit Card is one of the best rewards credit cards from HDFC Bank. You get multiple benefits, including revolving credit and dining benefits under the Good Food Trail program. 

It is a contactless credit card that can be used to make payments on various PoS and websites. 

• Joining Fee

  • ₹2,500 + Taxes

• Annual Fee

  • ₹2,500 + Taxes

  • Waived off on spending ₹4 Lakh within 12 billing cycles in the previous year

• Rewards & Benefits

  • Swiggy One and MMT Black Gold membership on spending ₹1 Lakh in the first 90 days

  • Myntra/Nykaa vouchers worth ₹1,500 on quarterly spends of ₹1.5 Lakh

  • Flight vouchers worth ₹5,000 on spending ₹5 Lakh and ₹7.5 Lakh

  • 3 lounge visits in India per quarter, with spending of ₹60,000 in the preceding calendar quarter

  • 6 complimentary lounge access per year outside India using Priority Pass 

  • 5X Reward Points on spending at Marks & Spencer, Myntra, Nykaa & Reliance Digital, and more

  • Up to 10X reward points on hotel and flight bookings

  • 5X rewards on instant vouchers

  • Up to 10X rewards on brands like Pharmeasy, Myntra, Apple Imagine Tresor, Jockey, etc. 

  • 5 reward points on every ₹200 spent on retail

  • Accidental air death cover worth ₹1 Crore

  • Emergency overseas hospitalization up to ₹15 Lakh

  • Credit liability cover up to ₹9 Lakh

5. SBI Cashback Credit Card - For Amazing Cashbacks

The SBI Cashback credit card is great for cashback for both online and offline spending. You can check your eligibility on the SBI website. However, the basic eligibility is being between the ages of 21 and 70, and having a good credit score and a stable source of income, be it a job or a business. 

• Joining Fee

  • ₹999 + Taxes

• Annual Fee

  • ₹999 + Taxes

  • Waived off on spending ₹2 Lakh or more in the previous year

• Rewards & Benefits

  • 5% cashback on online spends without any merchant restriction

  • 1% cashback on offline spends

  • Cashback is auto-cerdited to your SBI card account within 2 working days of your next statement generation

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000.

  • Maximum waiver of ₹100 per statement cycle, per credit card account.

6. Axis Bank ATLAS Credit Card - For Additional Privileges

The Axis Bank ATLAS credit card is a good mid-range card for its benefits. To be eligible, you must be between the ages of 18 and 70 and an Indian resident. You should have a net annual income of ₹12 Lakh or more if you are salaried, and ₹15 Lakh or more if you are self-employed.  

• Joining Fee

  • ₹999 + Taxes

• Annual Fee

  • ₹999 + Taxes

  • Waived off on spending ₹2 Lakh or more in the previous year

• Rewards & Benefits

  • 2500 EDGE Miles as a welcome benefit upon first transaction within 37 days of card issuance

  • Spend ₹7.5 Lakh in an anniversary year and get upgraded to the gold tier; spend ₹15 Lakh and get upgraded to the platinum tier

  • Get up to 5000 EDGE Miles on completion of a year

  • Get 5 EDGE Miles on every ₹100 spent on travel EDGE, airline, and hotel, up to cumulative transactions of ₹2 Lakh per month

  • Get 2 EDGE Miles on every ₹100 spent on cumulative transactions above ₹2 Lakh per month on Travel EDGE, airline, and hotel

7. American Express Platinum Travel Credit Card - An Affordable Rewards Card

The American Express Platinum Travel Credit card has a host of benefits, including zero lost card liability, platinum services, and contactless payments. These things make it one of the best reward points credit cards in India.

To be eligible for this card, you need to have a minimum annual income of ₹6 Lakh.

• Joining Fee

  • ₹5,000 + Taxes

• Annual Fee

  • ₹5,000 + Taxes

• Rewards & Benefits

  • Welcome gift of 10,000 membership reward points

  • 1 membership rewards point for every ₹50 spent except on fuel, insurance, utilities, cash transactions, and EMI conversion at PoS

  • Spend ₹1.9 Lakh in a year and get 7,500 Membership Rewards points that can be redeemed on the Platinum Travel Collection. 

  • Spend ₹4 Lakh in a year and get 10,000 Membership Rewards points that can be redeemed on the Platinum Travel Collection.

  • Spend ₹7 lakhs in a year and get an additional 22,500 Membership Rewards points that can be redeemed on Platinum Travel Collection. 

  • Taj Stay voucher worth ₹10,000 from Taj, SeleQtions, and Vivanta Hotels on spending ₹7 Lakh in a year 

8. ICICI Bank Sapphiro Credit Card - For Hefty Reward Points

The eighth rewards credit card on our list is the ICICI Bank Sapphiro Credit Card. To be eligible for this card, you must be at least 18 years old and have a minimum income of ₹80,000 if you are salaried and ₹83,333 if you are self-employed. 

• Joining Fee

  • ₹6,500

• Annual Fee

  • ₹3,500

  • Waived off on spending ₹3 Lakh or more in the previous year

• Rewards & Benefits

  • Welcome vouchers worth ₹9,000 on paying the joining fee

  • 2 complimentary visits per year to international airport lounges

  • 4 complimentary visits per year to international and domestic airport lounges, respectively, on spending ₹75,000 or more in the previous quarter

  • 1, 2, and 4 reward points on spends made on utility and insurance, domestic transactions, and international transactions, respectively

  • Buy one ticket and get up to ₹500 off on the second ticket on BookMyShow, twice a month

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on fuel transactions at any petrol station across India on transactions of up to ₹4,000 per refill

  • Maximum waiver limit of up to ₹1,000 per statement cycle 

9. Tata Neu Infinity HDFC Bank Credit Card - For an Affordable Rewards Credit Card

To be eligible for the Tata Neu Infinity HDFC Bank Credit Card as a salaried individual, your age must be between 21 and 60 years, and your monthly income must be a minimum of ₹1 Lakh. If you are self-employed, your age must be between 21 and 65, and your annual ITR must be a minimum of₹12 Lakh. 

You can redeem the reward points from this card on the Tata Neu website or brands like Air India Express, Croma, Westside, Titan, Tanishq, etc.

• Joining Fee

  • ₹1,499 + Taxes

• Annual Fee

  • ₹1,499 + Taxes

  • Waived off on spending ₹3 Lakh or more in the previous year

• Rewards & Benefits

  • Non-EMI spending on Tata Neu and partner Tata Brands earns you 5% back in NeuCoins

  • 5% back as NeuCoins on selected categories on the Tata Neu App/Website

  • 1.5% NeuCoins back on Non-Tata Brand Spending and any Merchant EMI Spending

  • Get 1499 NeuCoins on the Tata Neu App, as a reversal of the 1st year membership fees, applicable on the 1st transaction done within 30 days of card issuance

  • Accidental air death cover worth ₹1 Crore

  • Emergency overseas hospitalization up to ₹15 Lakh

  • Lost card liability cover up to ₹9 Lakh

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India, on transactions between ₹400 and ₹5000. 

  • Maximum waiver of ₹500 per statement cycle

10. Bank of Baroda Premier Credit Card - For Attractive Benefits

The Bank of Baroda Premier Credit Card is an affordable card for someone with varied interests. You can get travel, dining, and shopping benefits with this card. To be eligible, you should have an annual income of ₹7.2 Lakh or more.

• Joining Fee

  • ₹1,000 + Taxes

  • Waived off on spending ₹10,000 in the first 60 days

• Annual Fee

  • ₹1,000 + Taxes

  • Waived off on spending ₹1.2 Lakh or more in the previous year

• Rewards & Benefits

  • Earn 10 reward points for every ₹100 spent on travel, dining, and international spends

  • Earn 2 reward points per ₹100 spent on all other categories

  • Spend ₹5,000 or more within 60 days of credit card issuance and get 500 bonus reward points

  • Redeem your reward points for cashback

  • One complimentary domestic airport lounge visit each calendar quarter, on spending ₹20,000 in the previous calendar quarter

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all petrol stations across India for transactions between ₹400 and ₹5,000

  • Maximum waiver of ₹250 per statement

11. HDFC Bank Diners Club Black Card - For the Global Citizen

A premium metal edition card, the HDFC Bank Diners Club Black Credit Card is one of a kind. It’s not only great for travel enthusiasts but also for people who enjoy offers across other categories like shopping, entertainment, etc.

A great card for people looking for a mid-range credit card with attractive benefits.

• Joining Fee

  • ₹10,000 + Taxes

• Annual Fee

  • ₹10,000 + Taxes

  • Waived off on spending ₹5 Lakh or more in the previous year

• Rewards & Benefits

  • Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK on spending ₹8 Lakh in a year

  • 2X reward points on Weekend Dining at participating restaurants

  • 6 complimentary golf games every quarter across the world

  • Unlimited access to domestic and international airport lounges

  • 2 vouchers worth ₹500 from Tata Cliq, Uber, BookMyShow, or CultFit on spending ₹80,000 

  • 5 reward points for every ₹150 spent

  • Earn up to 10X reward points on hotel and flight bookings

  • Get ₹1,000 cashback across 200+ brands on your credit card via PayZapp

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transactions above ₹400

  • Maximum waiver up to ₹1,000 per statement cycle

Conclusion

There are many rewards credit cards in the Indian market. Before choosing the best one, consider the aspects that you spend most on - entertainment, lifestyle, dining, etc. Credit card reward points can be a great way to get incentives while spending on your favorite things.

The best rewards credit cards in India mentioned here all have different kinds of benefits that are tailored to everyone’s lifestyle. The best card will align with your spending habits and financial goals, ultimately maximizing your rewards and savings.