Updated on - 24 April 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 |
---|---|---|
Rs.2,500 + Taxes |
Rs.2500 + Taxes |
|
Rs.2,999 + Taxes |
Rs.2,999 + Taxes |
|
Rs.12,500 |
Rs.12,500 |
|
Rs. 5,000 + Taxes |
Rs. 5,000 + Taxes |
|
Nil |
Nil |
|
Rs.6,500 |
Rs.3,500 |
|
Rs.1,499 + Taxes |
Rs.1,499 + Taxes |
|
Rs.1,000 + Taxes |
Rs.1,000 + Taxes |
|
Rs.10,000 + Taxes |
Nil |
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.
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 |
|
Customer Care |
18001600 / 18002600 |
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 |
|
Customer Care |
18601801290 / 39020202 (prefix local STD code) |
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 |
|
Customer Care |
18004190065 |
Want a Credit Card with High Limits & Rewards?
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 |
|
Customer Care |
18004192122 |
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 |
|
Customer Care |
180010888 |
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 |
|
Customer Care |
18001080 |
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 |
|
Customer Care |
18001600 |
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 |
|
Customer Care |
1800-103-1006 |
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 |
|
Customer Care |
+91 2261717606 |
Experience Rewards with Every Swipe
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.
Which is the best rewards credit card in India?
What are the 3 main types of credit card rewards?
How do credit card rewards work?
How do I choose the best rewards credit card for me?
How do I maximize rewards from my credit card?
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