Best Rewards Credit Cards
Credit Guide

Best Rewards Credit Cards

Maximize Your Spending Value

Find credit cards with the highest reward rates, bonus categories, and flexible redemption options.

10X Points
Max Reward Rate
15+
Bonus Categories
100+
Redemption Options

Compare Best Rewards Credit Cards

Find and compare the best credit cards side by side. Make informed decisions based on rewards, fees, and benefits.

American Express Membership Rewards® Credit Card

American Express Membership Rewards® Credit Card

Joining Fee
₹1,000 + GST
Renewal Fee
₹4,500 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.
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AU Bank LIT Credit Card

AU Bank LIT Credit Card

Joining Fee
Free
Renewal Fee
Free
Best Suited For
MoviesTravelDiningFuelShopping
Reward Type
Reward Points
Welcome Benefits
N/A
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Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card

Joining Fee
Rs. 5,000 + GST
Renewal Fee
Rs. 5,000 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
2,500 Edge Miles on Completing 1 Transaction Within 30 Days of Card Issuance
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IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

Joining Fee
Free
Renewal Fee
Free
Best Suited For
TravelShopping
Reward Type
Reward Points
Welcome Benefits
Vouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.
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HDFC Bank INFINIA Metal Credit Card

HDFC Bank INFINIA Metal Credit Card

Joining Fee
₹12,500 + GST
Renewal Fee
₹12,500 + GST
Best Suited For
TravelDiningShopping
Reward Type
Reward Points
Welcome Benefits
Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
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SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card

Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Amazon Gift Card Worth Rs. 500
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HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card

Joining Fee
₹2,500 + GST
Renewal Fee
₹2,500 + GST
Best Suited For
TravelShopping
Reward Type
Reward Points
Welcome Benefits
Gift Voucher Worth ₹2,500. Complimentary MMTBLACK GOLD and Swiggy One Membership on Spending Over ₹1 Lakh
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IndusInd Bank Pinnacle World Credit Card

IndusInd Bank Pinnacle World Credit Card

Joining Fee
Rs. 14,999 + GST
Renewal Fee
Free
Best Suited For
TravelShopping
Reward Type
Reward Points
Welcome Benefits
Choose any one benefit from, a Luxe gift card, a complimentary night stay at Oberoi hotels, or gift vouchers from brands like Hush Puppies, BATA, Titan, Pantaloons, Raymond, etc.
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HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank Diners Club Black Metal Edition Credit Card

Joining Fee
Rs. 10,000 + GST
Renewal Fee
Rs. 10,000 + GST
Best Suited For
TravelDiningShopping
Reward Type
Reward Points
Welcome Benefits
Complimentary Membership of Club Marriott, Swiggy One and Amazon Prime (On Spends of Rs. 1.5 Lakh Within 90 Days of Card Issuance)
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BOBCARD ETERNA Credit Card

BOBCARD ETERNA Credit Card

Joining Fee
Rs. 2,499 + GST
Renewal Fee
Rs. 2,499 + GST
Best Suited For
TravelShopping
Reward Type
Reward Points
Welcome Benefits
6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.
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Everything You Need to Know

Comprehensive guide to understanding credit cards and making informed decisions.

Reward Credit Cards are designed to earn you points, miles, or cashback on your everyday spending. For example, a rewards card might offer 10 points per ₹100 spent on dining, 5 points per ₹100 on groceries, and 1 point per ₹100 on other purchases.

The value of rewards varies between cards and categories. Some cards offer flat rewards on all purchases, while others provide accelerated earning in specific categories. The true value depends on the redemption rate - for instance, points worth ₹0.50 each on one card may be worth ₹1 each on another card.

Rewards credit cards let you earn points or benefits based on your spending patterns. The earning structure and redemption options vary between cards.

For example, a card offering 2X rewards on all spends with points worth ₹0.50 each may provide less value than a card offering 5X rewards in select categories with points worth ₹0.30 each. Many rewards cards also offer welcome bonuses, anniversary rewards, and special merchant offers.

Key features of rewards cards include:

  • Accelerated points earning in bonus categories
  • Flexible redemption options for points
  • Special merchant discounts and offers
  • Anniversary bonus rewards
  • Welcome bonuses for new cardholders

Rewards credit cards offer multiple benefits when used strategically:

  • Earn points or cashback on every purchase you make
  • Get higher rewards in categories where you spend most
  • Flexible redemption options including travel, shopping, and statement credit
  • Access to exclusive deals and merchant offers
  • Anniversary bonuses and milestone benefits

Consider these factors when selecting a rewards credit card:

  • Reward Rates – Compare point earning rates across different spending categories
  • Point Value – Check the redemption value of points for different options
  • Bonus Categories – Choose a card that rewards your highest spend categories
  • Welcome Bonus – Look for valuable signup bonuses and first-year benefits
  • Annual Fee – Ensure the rewards earned justify any annual fees
  • Additional Benefits – Consider extra perks like insurance, purchase protection, etc.