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Best Rewards Credit Cards in India

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 Updated on - 14 May 2025 

Credit cards are plastic cards you can tap, swipe, or make online payments with. All you have to do is pay the accumulated bill at the end of the month. You get various types of reward points, travel points, cashback, and discounts when making payments with credit cards.

The cards mentioned here will cater to your diverse lifestyles and enhance your spending experience. Let’s take a look at top credit cards with reward points.

Name of Credit Card and Bank Joining Fee Annual Fee 

HDFC Regalia Gold Credit Card

Rs.2,500 + Taxes

Rs.2500 + Taxes

SBI Prime Credit Card

Rs.2,999 + Taxes

Rs.2,999 + Taxes

Axis Bank Magnus Credit Card

Rs.12,500

Rs.12,500

American Express Platinum Travel Credit Card

Rs. 5,000 + Taxes

Rs. 5,000 + Taxes

IDFC First Select Credit Card

Nil

Nil

ICICI Bank Sapphiro Credit Card

Rs.6,500

Rs.3,500

Tata Neu Infinity HDFC Bank Credit Card

Rs.1,499 + Taxes

Rs.1,499 + Taxes

Bank of Baroda Premier Credit Card

Rs.1,000 + Taxes

Rs.1,000 + Taxes

HDFC Bank Diners Club Black Card

Rs.10,000 + Taxes

Nil

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Top 9 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. HDFC Regalia Gold Credit Card

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. 

Suitable for: People looking for an affordable card with multiple reward options.

Joining Fee

Rs. 2,500 + Taxes

Annual Fee

Rs. 2,500 + Taxes

Features & Benefits

  • Swiggy One and MMT Black Gold membership as Welcome benefits

  • Vouchers worth Rs.1,500 on quarterly spends of Rs.1.5 Lakh

  • Flight vouchers worth Rs.5,000 on spending Rs.5 Lakh in a year, and an additional voucher of Rs. 5,000 on spending Rs.7.5 Lakh

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

  • 12 complimentary lounge access at over 1000 airports

  • 4 reward points for every Rs.150 spent on retail

  • Zero lost card liability

  • 2% foreign currency markup

  • Up to 7.5% savings on restaurant bill payments via Swiggy Dineout

  • Vouchers worth Rs.1,500 from Marriott, Myntra, Marks & Spencer, or Reliance Digital on spending Rs.1.5 Lakh every calendar quarter

Customer Care

18001600 / 18002600

2. SBI Prime Credit Card

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.

Suitable for: People looking for a rewards credit card with significant milestone benefits.

Joining Fee

Rs. 2,999 + Taxes

Annual Fee

Rs. 2,999 + Taxes

Features & Benefits

  • e-voucher worth Rs.3,000 from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com as a welcome gift

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

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

  • No renewal fee if you spend Rs.3 Lakh in a year

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

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

  • 8 complimentary visits per calendar year to Domestic Lounges in India (max. 2 visits per quarter)

  • 20 reward points per Rs.100  spent on the cardholder’s birthday (Capped at 2000 Reward points per calendar year)

Customer Care

18601801290 / 39020202 (prefix local STD code)

3. Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card is one of the top rewards credit cards offered by Axis Bank. To be eligible for this card, you should be 18 to 70 years old and have a minimum income of Rs.24 Lakh.

Suitable for: People who want multiple rewards across dining and travel.

Joining Fee

Rs.12,500

Annual Fee

Rs.12,500

Features & Benefits

  • Welcome gift voucher worth Rs.12,500 (Luxe/The Postcard Hotels/Yatra gift card)

  • Unlimited complimentary domestic airport lounge visits

  • 1 complimentary domestic flight ticket

  • 8 complimentary airport concierge services

  • Up to 30% off at over 4000 restaurants across India

  • 12 eDGE points on every Rs.200 spent

  • 5X reward points on spends via Travel eDGE

  • 2 partner miles for every 5 eDGE reward points across 20 travel partners

  • Forex markup fee of 2%

  • Interest rate of 3%

  • Zero cash withdrawal charges

  • Annual fee waived off if you spend Rs.25 Lakh in the previous year

  • Purchase protection and zero lost card liability

  • Fuel surcharge waiver of 1% for transactions between Rs.400 to Rs.4,000, capped at Rs.4,000 per month

Customer Care

18004190065

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4. American Express Platinum Travel Credit 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 Rs.6 Lakh.

Suitable for: People looking for mid-range rewards credit cards.

Joining Fee

Rs. 5,000 + Taxes

Annual Fee

Rs. 5,000 + Taxes

Features & Benefits

  • Welcome gift of 10,000 membership reward points

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

  • Flipkart voucher or travel benefits up to Rs.5,000 on spending Rs.1.90 Lakh in a year

  • Taj Stay voucher worth Rs.10,000 from Taj, SeleQtions, and Vivanta Hotels on spending Rs.4 Lakh in a year 

  • Benefits up to Rs.8,000 on spending Rs. 4 Lakh in a year 

  • 8 complimentary domestic airport lounge visits, limited to 2 per quarter

Customer Care

18004192122

5. IDFC First Select Credit Card

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.

Suitable for: People looking for a credit card with UPI services. 

Joining Fee

Nil

Annual Fee

Nil

Features & Benefits

  • Voucher worth Rs.500 from your favorite brand as a welcome gift 

  • Up to Rs.1,000 cashback on your first EMI

  • 2 complimentary visits to domestic airport lounges every quarter on spending Rs.20,000 in the current month

  • 4 complimentary visits to lounges at select Indian railway terminals

  • Forex markup of 1.99% + GST

  • Free trip cancellation covers up to Rs.10,000

  • Buy one and get one discount, up to Rs.125, on the District (by Zomato), valid twice per month

  • 1% fuel surcharge waiver up to Rs.300 in cycle on transactions between Rs.200 and Rs.5,000

  • 1 or 3 reward points per Rs.150 spent, depending on the transaction

  • 10X reward points on spending more than Rs.20,000 and spends made on your birthday

  • Complimentary golf rounds and lessons 

Customer Care

180010888

6. ICICI Bank Sapphiro Credit Card

The last one of the rewards credit cards 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 Rs.80,000 if you are salaried and Rs.83,333 if you are self-employed. 

Suitable for: People looking for hefty credit card reward points and good welcome gifts. 

Joining Fee

Rs.6,500

Annual Fee

Rs.3,500

Features & Benefits

  • Welcome vouchers worth Rs.9,000

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

  • Discount on fuel surcharge

  • 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 Rs.500 off on the second ticket on BookMyShow, twice a month

Customer Care

18001080

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7. Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is an affordable and attractive card by HDFC. 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.

To be eligible as a salaried individual, your age must be between 21 and 60 years, and your monthly income must be a minimum of Rs.1 Lakh. If you are self-employed, your age must be between 21 and 65, and your annual ITR must be a minimum of Rs.12 Lakh.

Suitable for: People looking for a card that gives reward points that can be redeemed while shopping for major brands.

Joining Fee

Rs.1,499 + Taxes
Annual Fee

Rs.1,499 + Taxes
Other Benefits & Features

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

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

  • 1.5% back as NeuCoins on UPI spends (including partner Tata Brands) - up to 500 NeuCoins each calendar month

  • Earn an additional 5% back in NeuCoins on certain categories on the Tata Neu App/Website after installing the app and registering for Tata NeuPass
Customer Care

18001600

8. Bank of Baroda Premier Credit Card

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.

Suitable for: People looking for an affordable credit card with attractive benefits.

Joining Fee

Rs.1,000 + Taxes
Annual Fee

Rs.1,000 + Taxes
Other Benefits & Features

  • Spend Rs.10,000 in 60 days and Rs.1,20,000 in a year for the reversal/waiver of annual fees

  • Earn 10 reward points for every Rs.100 spent on travel, dining, or abroad

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

  • One complimentary airport lounge visits each calendar quarter
Customer Care

1800-103-1006 

9. HDFC Bank Diners Club Black Card

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.

Suitable for: People who travel extensively and are global citizens! A great card for people looking for a mid-range credit card with attractive benefits. 

Joining Fee

Rs.10,000 + Taxes
Annual Fee

Rs.10,000 + Taxes
Other Benefits & Features

  • With your HDFC Bank Diners Club Black Credit Card, you can make use of their special 24/7 concierge services

  • Purchase flight tickets and accommodations across more than 150 airlines and a selection of hotels

  • Activate your credit card for foreign spending and enhance your international daily limit via net banking

  • Receive up to six complimentary entry to 1000+ lounges worldwide in a calendar year

  • Get concierge services for your travel needs
Customer Care

+91 2261717606

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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.

Rewards Credit Cards in India - Related FAQs

The best credit card will depend on your lifestyle and the things you spend on. However, the HDFC Regalia Gold Credit Card, SBI Prime Credit Card, and Axis Bank Magnus Credit Card are among the top choices.
Credit cards offer either cashback, reward points, or miles.
Rewards on credit cards are given when you spend a certain amount of money through your card. The rewards mostly expire after a certain amount of time, so consider using them within that period. 
To choose the best rewards credit card, consider your spending habits and lifestyle. For example, if you travel frequently, a card with travel benefits might be ideal. If you dine out often, look for cards offering dining rewards
To maximize rewards, use your card for purchases in categories where it offers the highest rewards. Also, ensure you understand the redemption process and any expiry dates for accumulated points

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