Best Credit Cards for Rewards

Joining Fee ₹14,750

Annual Fee ₹14,750

HDFC Infinia Credit Card

HDFCVisa

Airport LoungeDiningTravel

• Earn 5 reward points per ₹150 retail spend
• Up to 10X reward points on SmartBuy travel and shopping
• Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy

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Joining Fee ₹11,800

Annual Fee ₹11,800

HDFC Diners Club Black Metal Credit Card

HDFCDiners Club

DiningTravel

• Get 10,000 reward points on spending ₹4L or more in a calendar quarter
• Up to 50 days of interest-free credit from date of purchase
• Contactless payments enabled for ease and security

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Joining Fee ₹14,750

Annual Fee ₹14,750

Axis Magnus Credit Card

AxisVisa

ShoppingAirport LoungeTravel

• Welcome Voucher worth ₹12,500 — choose from Luxe Gift Card, Postcard Hotels, or Yatra Gift Voucher upon first transaction within 30 days
• Unlimited International Lounge Access via Priority Pass with 4 guest visits per year
• Earn up to 35 EDGE Reward Points per ₹200 on monthly spends above ₹1.5 lakh

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Joining Fee ₹14,160

Annual Fee ₹23,600

HSBC Premier Credit Card

HSBC BankMastercard

ShoppingDiningTravelUtility Bills

• Earn 3 reward points per ₹100 spent on all purchases
• Accelerated rewards up to 12X on travel spends; capped at 18,000 points per month on flights/hotels
• Utility spends capped at 3,000 reward points per month; other spends unlimited

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Joining Fee ₹14,749

Annual Fee ₹14,749

ICICI Emeralde Private Metal Credit Card

ICICI BankMastercard

ShoppingDiningTravel

• Earn 6 reward points per ₹200 on retail spends
• Complimentary Taj Epicure Plus Membership
• Complimentary EazyDiner Prime Membership

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Joining Fee ₹35,400

Annual Fee ₹35,400

Axis Burgundy Magnus Credit Card

AxisVisa

ShoppingDiningTravel

• Earn 12 EDGE Reward Points per ₹200 on spends up to ₹1.5 lakh per month
• Earn 35 EDGE Reward Points per ₹200 on incremental spends above ₹1.5 lakh
• Convert rewards at 5 EDGE Points = 4 partner miles

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Joining Fee ₹5,900

Annual Fee ₹5,900

Standard Chartered Ultimate Credit Card

Standard Chartered BankMastercard, Visa

ShoppingGrocery ShoppingTravelUtility Bills

• Earn 5 reward points for every ₹150 spent on eligible retail spends
• Earn 3 reward points for every ₹150 spent on Utilities, Supermarkets, Insurance, Property Management, Schools & Government payments
• 5% cashback on duty-free transactions with maximum cashback of ₹1,000 per statement cycle

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Joining Fee ₹14,750

Annual Fee ₹14,750

IDFC FIRST GAJ Credit Card

IDFCVisa

DiningTravel

• 5 RP per ₹150 on domestic spends; 3 RP per ₹150 on international spends; 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends
• Bonus rewards on hotels/flights via IDFC FIRST Bank Mobile App (50 RP/₹150 on hotels, 25 RP/₹150 on flights)
• Complimentary domestic & international airport lounge access, railway lounge access

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Joining Fee FREE

Annual Fee FREE

Kotak Solitaire Credit Card

KotakVisa

DiningTravel

• Earn Air Miles on every spend (10 Air Miles/₹100 on flights & hotels via Kotak Unbox3 Air Miles/₹100 elsewhere)
• Unlimited domestic & international airport lounge access
• Zero forex mark-up

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Joining Fee ₹5,899

Annual Fee ₹5,899

AU Zenith Plus Credit Card

AU Small Finance BankVisa

ShoppingDiningTravel

• Earn 2% back on travel, dining & international spends with 1 reward point = ₹1 - among the best point values in the market with no conversion hassle
• Get 16 domestic and 16 international complimentary airport lounge visits per year plus 4 VIP Meet & Assist services annually
• Enjoy up to 16 buy-1-get-1 movie tickets on BookMyShow per year (capped at ₹500/ticket) plus 8 complimentary golf sessions

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Joining Fee ₹5,900

Annual Fee ₹5,900

Axis Atlas Credit Card

AxisVisa, Mastercard

ShoppingTravel

• Earn 5 EDGE Miles per ₹100 on eligible travel spends via Axis Bank Travel EDGE portal, direct airline and direct hotel bookings up to ₹2,00,000 per month; earn 2 EDGE Miles per ₹100 thereafter
• Earn 2 EDGE Miles per ₹100 on all other eligible domestic and international transactions (from 20 April 2024 onwards
• Milestone Benefits: – ₹3 lakh annual spend: 2,500 EDGE Miles – ₹7.5 lakh annual spend: Additional 2,500 EDGE Miles – ₹15 lakh annual spend: Additional 5,000 EDGE Miles

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Joining Fee ₹11,800

Annual Fee ₹11,800

HDFC Diners Club Black Credit Card

HDFCVisa, Mastercard

ShoppingOnline Food OrderingDiningTravel

• Earn 5 Reward Points for every ₹150 spent
• Earn up to 10X Reward Points on hotels via SmartBuy
• Up to 50 days of interest-free credit from date of purchase

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Joining Fee ₹59,000

Annual Fee ₹59,000

Axis Reserve Credit Card

AxisVisa

Online Food OrderingDiningTravel

• 15 EDGE points per ₹200 (2X on international)
• Unlimited Priority Pass + unlimited domestic lounge
• Complimentary airport concierge

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Joining Fee ₹11,799

Annual Fee ₹5,899

YES BANK MARQUÉE Credit Card

Yes BankMastercard

ShoppingTravelUtility Bills

• Unlimited International airport lounge access
• 1% forex markup
• Buy 1 Get 1 on BookMyShow movie tickets

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Joining Fee ₹23,600

Annual Fee ₹23,600

Times Black ICICI Bank Credit Card

ICICI BankVisa

ShoppingDiningTravel

• Unlimited domestic and international airport lounge access via Priority Pass for primary and add-on cardholders
• Earn 2% reward points on domestic spends and 2.5% on international spends
• 1.49% forex markup on international transactions with zero cash advance charges

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Joining Fee FREE

Annual Fee ₹14,750

RBL Bank NOVA Credit Card

RBL BankVisa

ShoppingTravel

• Earn 4 Reward Points per ₹200 on all purchases (1 Reward Point = ₹1) and 12 Reward Points per ₹200 on flights & hotels
• 12 international + 12 domestic complimentary airport lounge visits a year with 4 guest visits abroad
• 4 complimentary golf rounds and 12 golf lessons a year

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Joining Fee FREE

Annual Fee ₹2,949

BOB Eterna Credit Card

Bank of BarodaVisa

DiningTravel

• Earn 5X Rewards 15 Reward Points per ₹100 on travel and international spends. Enjoy a reduced 2% forex markup on international transactions
• Unlimited complimentary access to 60+ domestic airport lounges
• Buy One Get One offer on movie tickets with District, up to ₹250 per month

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Joining Fee ₹1,179

Annual Fee ₹1,179

SBI Cashback Credit Card

SBIVisa

ShoppingOnline Food OrderingDiningGrocery Shopping

• 5% cashback on online spends
• Maximum online cashback of ₹2,000 per statement cycle
• 1% cashback on offline spends

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Joining Fee ₹1,180

Annual Fee ₹1,180

Axis Cashback Credit Card

AxisVisa, Mastercard

ShoppingTravelUtility Bills

• Up to 7% cashback on online spends (2% up to ₹5,000 / 5% up to ₹40,000 / 7% above ₹40,000), capped at ₹4,000 per statement month.
• 0.75% unlimited cashback on all offline and travel spends.
• 0.5% cashback on utility bill payments, capped at ₹100 per statement month.

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Joining Fee ₹2,949

Annual Fee ₹2,949

YES BANK RESERV Credit Card

Yes BankVisa, Mastercard

ShoppingTravelUtility Bills

• Accelerated YES Rewardz Points of 24 per ₹200 on online shopping and 12 per ₹200 on offline shopping, 6 per ₹200 on Select categories
• complimentary domestic airport lounge access 3 visits per quarter and international airport lounge access 6 visits in 12 months plus complimentary membership to 1,000+ international lounges outside India
• 25% discount on BookMyShow movie tickets

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Joining Fee ₹2,950

Annual Fee ₹2,950

HDFC Regalia Gold Credit Card

HDFCVisa, Mastercard

ShoppingTravel

• Earn 4 Reward Points per ₹200 on retail spends
• 5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
• Reward Points capped at 50,000 per statement cycle

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Joining Fee ₹3,539

Annual Fee ₹3,539

SBI Prime Credit Card

SBIVisa

ShoppingGrocery ShoppingTravel

• 8 complimentary domestic airport lounge visits and 4 international Priority Pass visits every year (max 2 per quarter for international, outside India)
• Earn 10 Reward Points per ₹100 on dining, departmental stores, and grocery spends; 2 Reward Points per ₹100 on other retail spends
• Complimentary 1-year Club ITC Silver Tier Membership and Priority Pass Program membership worth $99

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Joining Fee ₹5,900

Annual Fee ₹5,900

American Express Platinum Travel Credit Card

American Express

DiningTravel

• Earn up to 40,000 bonus MR points per year through 3 spend milestones (₹1.9L / ₹4L / ₹7L) — plus a ₹10,000 Taj Stay voucher at the ₹7 lakh tier, all redeemable on Platinum Travel Collection
• Get 8 complimentary domestic lounge visits per year with complimentary Priority Pass membership (USD 99 annual fee waived)
• MR points never expire as long as the card is active — giving full flexibility to accumulate and redeem without any time pressure.

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Joining Fee ₹1,180

Annual Fee ₹5,310

American Express Gold Card

American Express

ShoppingDiningTravel

• Earn 5X Membership Rewards Points on purchases via the Reward Multiplier platform
• Up to ₹10,000 instant cashback on eligible purchases at Apple Store Online
• Enjoy 20% off on room stays at Best Available Rate across all participating properties of The Lalit Hotels

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