Best Credit Card for Rewards in India 2026: Highest Reward Rates Compared

Best Credit Cards for Rewards

The highest reward rates and the most flexible redemptions on everyday spending.

HDFCVisa

5 points per ₹150 worth ₹1 each on SmartBuy (about 3.3%), up to 10X on SmartBuy and 1:1 airmile transfers

Annual fee₹14,750View details

KotakVisa

3 air miles per ₹100 everywhere and 10 per ₹100 on Kotak Unbox travel, 1 mile = ₹1, on a lifetime-free card

Annual feeLifetime freeView details

Bank of BarodaVisa

15 points per ₹100 (₹0.50 each) on travel, dining, international and online spends, 3 per ₹100 elsewhere

Annual fee₹2,949View details

ICICI BankVisa

Lifetime free with unlimited 5% back on Amazon for Prime members, 2% at partners and 1% everywhere

Annual feeLifetime freeView details

AU Small Finance BankVisa

2 points per ₹100 on travel, dining and international and 1 elsewhere, each worth ₹1, plus 1,000 monthly bonus points

Annual fee₹5,899View details

Whatever you spend on most, we have ranked the best cards for it.

Every card we track from India's leading issuers, ranked by overall value.

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