Best Rewards Credit Cards in India

Reward points are like a bonus you get when using a credit card, and they're one of the coolest perks credit cards offer. Every time you use your credit card, you earn some reward points. Once you collect a certain amount, like 2,000 points, you can exchange them for gift vouchers, stuff you want, or even get cash back. Here are some of The Top credit cards that give awesome reward points.

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Best Rewards Credit Cards in India

Here are some credit cards that offer great rewards and give you good value for your spending:

Credit Card	Annual Fee	Benefit
HDFC Regalia Credit Card	Rs. 2,500	4 reward points for every Rs. 150 spent via this credit card
Standard Chartered Platinum Rewards Credit Card	Rs. 250	5 reward points for every Rs. 150 spent on dining, fuel and 1 reward point on other categories
American Express SmartEarn™ Credit Card	Rs. 495	10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon and Uber
IDFC FIRST Select Credit Card	Nil	Up to 10X reward points on your birthday and select spends
SBI Prime Credit Card	Rs. 2,999	10 reward points on every Rs. 100 spent on dining, groceries, departmental stores, and movies

Find The Credit Card With The Best Benefits for You

1. HDFC Regalia Credit Card

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Joining Fee: Rs. 2,500 Renewal Fee: Rs. 2,500 (Waived off on spending Rs. 3 lakh in a year)

The IndianOil Axis Bank Credit Card offers favorable returns on both fuel and other online expenditures. With a solid 4% return on fuel expenses in the form of EDGE rewards, it's a valuable card. This card is particularly beneficial for individuals with monthly fuel spends ranging from Rs. 4,000 to Rs. 5,000, as it also comes with an annual fee waiver. Here are some of the card's advantages:

Reward Benefits:

Earn 4 reward points for every Rs. 150 spent on retail expenses, covering things like insurance, utility bills, and education costs.
Each reward point is worth Rs. 0.50.
Your accumulated reward points remain valid for two years.
Get 10,000 bonus reward points on spending Rs. 5 lakh in a year.
Receive an extra 5,000 reward points when your annual spending reaches Rs. 8 lakh.

Additional Benefits:

Enjoy 12 free visits to airport lounges in India each calendar year, covering both domestic and international terminals.
Receive a complimentary Priority Pass membership, providing 6 free lounge accesses outside India in a calendar year.
Benefit from a low foreign currency markup fee of just 2%.
Get a 1% waiver on fuel surcharge, with a maximum cap of Rs. 400, at all fuel stations in India for transactions between Rs. 400 and Rs. 5,000.

Must Read : Best Grocery Credit Cards in India| Check Eligibility for Top Cards

2. Standard Chartered Platinum Rewards Credit Card

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Joining Fee: Rs. 250 Renewal Fee: Rs. 250 (Waived off on spending Rs. 60,000)

The Standard Chartered Platinum Rewards Credit Card is great for earning reward points and offers cool deals on dining and movies. Plus, it only has an annual fee of Rs. 250. What's really awesome is that you get 5 times more reward points when you use the card for fuel. This is pretty unusual for a basic credit card because most of them don't give you anything extra for fuel. So, if you're just starting with credit cards and want one that gives you good rewards for dining and fuel, this card is a good pick.

Reward Benefits:

Earn 5 reward points for every Rs. 150 spent on hotels, restaurants, and fuel.
Get 1 reward point for every Rs. 150 spent on all other categories.

Additional Benefits:

Enjoy 100% cashback, up to Rs. 500, on restaurant expenses within the initial 90 days from activating the card.
Choose the option of video KYC for a speedy approval process of the credit card.
Get a renewal fee waiver by spending Rs. 60,000 or more in a year.

Must Read : Best Cashback Credit Cards in India| Check Eligibility for Top Cards

3. American Express SmartEarn™ Credit Card

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Annual Fee: Rs. 495 Renewal Fee: Rs. 495 (Waived off on spending Rs. 40,000 or above annually)

The American Express SmartEarn™ Credit Card is a top-notch rewards card in India that gives you great value when you shop. It's perfect if you love shopping online, especially on platforms like Amazon and Flipkart. With this card, you not only get cashback but also enjoy other perks like bonus cashback, fee waivers, gift vouchers, and more. Here are the key details about this credit card:

Reward Benefits:

Earn 10 times the Membership Rewards Points for every Rs. 50 spent on Flipkart, Amazon, and Uber.
Get 5 times the Membership Rewards Points for every Rs. 50 spent on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar, and more.
Collect 1 Membership Rewards Point for every Rs. 50 spent in other categories, excluding fuel, insurance, utilities, cash transactions, and EMI conversions at the point of sale.

Additional Benefits:

Get a welcome gift of Rs. 500 cashback by spending Rs. 10,000 in the first 90 days of having the card.
Earn vouchers worth Rs. 500 each when you hit spending milestones of Rs. 1.20 lakh, Rs. 1.80 lakh, and Rs. 2.40 lakh in a card membership year.
Convert your purchases into EMI right at the point of sale with an interest rate as low as 14% p.a. and no charges for closing it early.
Enjoy a 0% convenience fee on fuel purchases under Rs. 5,000 at HPCL Petrol Pumps.
For fuel purchases over Rs. 5,000 at HPCL Petrol Pumps, there's a 1% convenience fee.

Must Read : Best Fuel Credit Cards in India| Check Eligibility for Top Cards

4. IDFC FIRST Select Credit Card

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Joining Fee: Nil Renewal Fee: Rs. 500

The IDFC FIRST Select Credit Card is awesome because it's free for life, perfect for folks who love shopping online. It's got this cool thing called a dynamic interest rate, where your rate depends on your profile. If you want a credit card with great rewards, travel perks, and year-round deals, this one's for you. Here are more details about this card:

Reward Benefits:

Earn 10 times the reward points on purchases exceeding Rs. 25,000 in a billing cycle.
Get 10 times the reward points on your birthday expenses.
Enjoy 6 times the reward points on all online purchases.
Earn 3 times the reward points on all offline purchases.

Additional Benefits:

Receive gift vouchers worth Rs. 500 by spending Rs. 15,000 within 90 days of card activation.
Enjoy a 5% cashback on your first EMI transaction made within 90 days of card activation.
Avail a buy 1 get 1 offer on movie tickets, up to Rs. 250 per ticket, twice a month.
Access domestic airport lounges for free (4 times per quarter).
Enjoy complimentary access to railway lounges (4 times per quarter).
Benefit from a low foreign exchange mark-up fee of 1.99%.

Must Read : Best Credit Cards with Airport Lounge Access| Check Eligibility for Top Cards

5. SBI Prime Credit Card

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Joining Fee: Rs. 2,999 Renewal Fee: Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)

The SBI Card Prime is a top-notch credit card for earning cool rewards in India. It's perfect if you mainly use credit cards for everyday stuff like groceries, dining, and shopping. With this card, you can rack up reward points on your regular spending, and then use them for all sorts of awesome perks. Plus, you get free access to airport lounges, both in India and abroad, which is a nice bonus. Here are some key details about this credit card:

Reward Benefits:

Earn 20 reward points for every Rs. 100 spent on your birthday.
Get 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores, and movies.
Collect 2 reward points for every Rs. 100 spent on all other expenses, excluding fuel.
Exchange 4 reward points for Rs. 1.

Additional Benefits:

Receive a welcome gift worth Rs. 3,000 from brands like Bata/Hush Puppies, Yatra.com, Pantaloons, Shoppers Stop, etc.
Enjoy complimentary Trident Privilege Red Tier Membership.
Avail complimentary Club Vistara Silver Membership.
Access 4 international and 8 domestic lounges annually (up to 2 in each quarter for each type).
Earn 9 Club Vistara points for every Rs. 100 spent on booking Vistara flights.