Best Overall
HDFC Bank - Tata Neu Plus HDFC Bank
HDFC
7.8
Rating
The strongest all-round choice for most readers comparing rewards cards today.
Annual Fee
₹499
Reward Rate
100%
ShoppingRewardsUPI
89 cards
Updated Mar 15, 2026high confidence
Best Rewards Cards in India (April 2026)
Cards that maximize points across spending categories with better redemption upside than plain cashback.
reward pointsaccelerated rewardsmilestones
89
Compared Cards
5
Free Options
₹2,736
Average Annual Fee
Points valued on practical redemption potential
Milestones and transfer value considered
Best for optimizers, not casual users
TL;DR
Quick Picks for Rewards Cards
These picks are designed to answer the most common category decisions first, before you read the full comparison.
Best for Heavy Spenders
HDFC Bank - Tata Neu Plus HDFC Bank
HDFC
7.8
Rating
Best suited to users who can justify a fee and consistently earn through high monthly spend.
Annual Fee
₹499
Reward Rate
100%
ShoppingRewardsUPI
Best Free Option
Axis Bank Kwik Credit Card
AXIS
7.0
Rating
The most defensible no-fee pick if you want category value without renewal cost.
Annual Fee
Free
Reward Rate
20%
UPIRewardsLifestyle
Expert Insights
Points are only as good as redemption
A card with fewer points can still be better if the points convert into clearly higher value.
Optimization takes effort
Rewards cards tend to favor users who are willing to track categories, milestones, and transfer opportunities carefully.
Comparison Table
Compare Fees, Reward Rates, and Ratings
Compare Rewards Cards
Sort by fee, rewards, best-fit tags, or editor rating.
Sorted by rating (high to low)
Axis Bank Magnus Credit Card
AXIS
8.2/10
Annual Fee
₹12,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank - Tata Neu Plus HDFC Bank
Editor's PickHDFC
7.8/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Rewards
Network
RuPay
Miles & More Axis Bank World Credit Card
AXIS
7.5/10
Annual Fee
₹3,500
Reward Rate
45%
Best For
travel, lounge-access
Network
Mastercard
Adani One ICICI Bank Platinum Credit Card
ICICI
7.2/10
Annual Fee
₹750
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Platinum Identity Credit Card
ICICI
7.2/10
Annual Fee
₹750
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
Kotak Mahindra Bank Privy League Signature
KOTAK
7.2/10
Annual Fee
₹2,500
Reward Rate
25%
Best For
Travel, Movies
Network
Visa
Shaurya SBI Card
SBI
7.2/10
Annual Fee
₹250
Reward Rate
25%
Best For
Defense, Rewards
Network
RuPay
Axis Bank Kwik Credit Card
AXIS
7.0/10
Annual Fee
Free
Reward Rate
20%
Best For
UPI, Rewards
Network
RuPay
Delhi Metro SBI Card
SBI
7.0/10
Annual Fee
₹499
Reward Rate
25%
Best For
Travel, Daily Commute
Network
Visa
ICICI Bank NRI Coral Credit Card
ICICI
7.0/10
Annual Fee
₹500
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
SBI Card - SimplyCLICK SBI Card
SBI
7.0/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
Axis Bank Platinum Credit Card
AXIS
6.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Rewards, Movies
Network
Visa
Axis Bank Pride Platinum Credit Card
AXIS
6.5/10
Annual Fee
₹250
Reward Rate
20%
Best For
Rewards, Dining
Network
Visa
HDFC Bank Equitas Excite Credit Card
HDFC
6.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Rewards, Grocery
Network
Visa
Axis Bank Easy Gold Credit Card
AXIS
6.0/10
Annual Fee
₹100
Reward Rate
20%
Best For
Secured, Rewards
Network
Visa
Axis Bank Titanium Smart Traveler Credit Card
AXIS
6.0/10
Annual Fee
₹100
Reward Rate
20%
Best For
Travel, Rewards
Network
Mastercard
HDFC Bank - Infinia Metal
HDFC
4.9/10
Annual Fee
₹12,500
Reward Rate
33%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Infinia
HDFC
4.9/10
Annual Fee
₹12,500
Reward Rate
33%
Best For
Travel, Lifestyle
Network
Visa
Axis Bank Magnus for Burgundy Credit Card
AXIS
4.8/10
Annual Fee
₹30,000
Reward Rate
20%
Best For
Travel, Luxury
Network
Mastercard
HDFC Bank BizBlack Metal Card
HDFC
4.8/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
Business, Travel
Network
Diners Club
HDFC Bank Diners Club Black Metal Edition
HDFC
4.8/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
Travel, Lifestyle
Network
Diners Club
Axis Bank Atlas Credit Card
AXIS
4.5/10
Annual Fee
₹5,000
Reward Rate
100%
Best For
Travel, Lounge
Network
Visa
HDFC Bank H.O.G. Diners Club Credit Card
HDFC
4.5/10
Annual Fee
₹10,000
Reward Rate
100%
Best For
travel, lifestyle
Network
Diners Club
ICICI Bank Emeralde Private Credit Card
ICICI
4.5/10
Annual Fee
₹12,499
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Emeralde Private Metal Credit Card
ICICI
4.5/10
Annual Fee
₹12,499
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Mastercard
SBI Card AURUM
SBI
4.5/10
Annual Fee
₹9,999
Reward Rate
25%
Best For
Travel, Luxury
Network
Visa
Tata Neu Infinity SBI Credit Card
SBI
4.5/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Shopping, Travel
Network
Visa
Adani One ICICI Bank Signature Credit Card
ICICI
4.2/10
Annual Fee
₹5,000
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
City Union Bank SBI Card PRIME
CUB
4.2/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
HDFC Bank BizPower
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
50%
Best For
Business, Travel
Network
Visa
HDFC Bank Harley-Davidson Diners Club Credit Card
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Lifestyle, Travel
Network
Diners Club
HDFC Bank Regalia
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Regalia Activ
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Parakram Select Credit Card
ICICI
4.2/10
Annual Fee
Free
Reward Rate
25%
Best For
Lifestyle, Travel
Network
RuPay
ICICI Bank Signature Credit Card
ICICI
4.2/10
Annual Fee
₹2,000
Reward Rate
80%
Best For
Rewards, Lifestyle
Network
Visa
IRCTC HDFC Bank Credit Card
HDFC
4.2/10
Annual Fee
₹500
Reward Rate
100%
Best For
Travel, Rewards
Network
RuPay
SBI Card MILES ELITE
SBI
4.2/10
Annual Fee
₹4,999
Reward Rate
100%
Best For
Travel, Premium
Network
Mastercard
Shaurya Select SBI Card
SBI
4.2/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Rewards, Defense
Network
RuPay
American Express Gold Corporate Card
AMEX
4.0/10
Annual Fee
₹3,100
Reward Rate
25%
Best For
Business, Travel
Network
American Express
HDFC Bank UPI RuPay Credit Card
HDFC
4.0/10
Annual Fee
₹99
Reward Rate
25%
Best For
UPI, Rewards
Network
RuPay
ICICI Bank Emirates Skywards Sapphiro Credit Card
ICICI
4.0/10
Annual Fee
₹5,000
Reward Rate
75%
Best For
Travel, Lifestyle
Network
Visa
ICICI Bank Parakram Credit Card
ICICI
4.0/10
Annual Fee
Free
Reward Rate
25%
Best For
Rewards, Travel
Network
Visa
Kotak Mahindra Bank White Credit Card
KOTAK
4.0/10
Annual Fee
₹3,000
Reward Rate
N/A
Best For
Travel, Lifestyle
Network
Visa
MakeMyTrip ICICI Bank Credit Card
ICICI
4.0/10
Annual Fee
₹999
Reward Rate
100%
Best For
Travel, Rewards
Network
Mastercard
Samsung Axis Bank Signature Credit Card
AXIS
4.0/10
Annual Fee
₹500
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
SBI Card ELITE Advantage
SBI
4.0/10
Annual Fee
₹4,999
Reward Rate
25%
Best For
Lifestyle, Travel
Network
Visa
Axis Bank Rewards Credit Card
AXIS
3.8/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Rewards, Shopping
Network
Visa
Kotak Mahindra Bank - Zen Signature
KOTAK
3.8/10
Annual Fee
₹1,500
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
Kotak Mahindra Bank NRI Royale Credit Card
KOTAK
3.8/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
NRI, Travel
Network
Visa
Paytm SBI Card SELECT
SBI
3.8/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Travel, Shopping
Network
Visa
SpiceJet Axis Bank Voyage Black Credit Card
AXIS
3.8/10
Annual Fee
₹2,000
Reward Rate
50%
Best For
Travel, Rewards
Network
Visa
Air India SBI Signature Card
SBI
3.5/10
Annual Fee
₹4,999
Reward Rate
25%
Best For
Travel, Rewards
Network
Visa
American Express Green Corporate Card
AMEX
3.5/10
Annual Fee
₹2,100
Reward Rate
25%
Best For
Corporate, Business
Network
American Express
Apollo SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
50%
Best For
Health & Wellness, Rewards
Network
Mastercard
Axis Bank Aura Credit Card
AXIS
3.5/10
Annual Fee
₹749
Reward Rate
20%
Best For
Health, Wellness
Network
Visa
Axis Bank LIC Platinum Credit Card
AXIS
3.5/10
Annual Fee
Free
Reward Rate
66%
Best For
Rewards, Insurance
Network
Visa
Axis Bank Pride Signature Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Rewards, Travel
Network
Visa
Flipkart Axis Bank Super Elite Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
100%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank BizFirst Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
15%
Best For
Business, Rewards
Network
RuPay
HDFC Bank BizGrow Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Business, Rewards
Network
RuPay
HDFC Bank Business Moneyback
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Business, Cashback
Network
Mastercard
HDFC Bank Equitas Elegance Credit Card
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Rewards, Travel
Network
Visa
HDFC Bank MoneyBack+ Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank Regalia First
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
30%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Snapdeal Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
ICICI Bank Ascent American Express Credit Card
ICICI
3.5/10
Annual Fee
₹1,000
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
American Express
ICICI Bank Coral Credit Card
ICICI
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
ICICI Bank Coral Credit Card against Fixed Deposit
ICICI
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Secured, Lifestyle
Network
Visa
ICICI Bank Expressions Credit Card
ICICI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Lifestyle, Rewards
Network
Visa
ICICI Bank Rubyx Credit Card
ICICI
3.5/10
Annual Fee
₹2,000
Reward Rate
25%
Best For
Travel, Entertainment
Network
Visa
ICICI Bank Unifare Credit Card
ICICI
3.5/10
Annual Fee
₹299
Reward Rate
25%
Best For
Transit, Rewards
Network
Mastercard
Kotak Biz Credit Card
KOTAK
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Business, Travel
Network
Visa
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
KOTAK
3.5/10
Annual Fee
Free
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
Kotak Royale Signature Credit Card
KOTAK
3.5/10
Annual Fee
₹999
Reward Rate
20%
Best For
Travel, Dining
Network
Visa
Lifestyle Home Centre SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
OLA Money SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Travel, Rewards
Network
Visa
Reliance SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
RuPay
Retailio HDFC Bank Credit Card
HDFC
3.5/10
Annual Fee
₹499
Reward Rate
20%
Best For
Business, Rewards
Network
Visa
SBI Card ELITE
SBI
3.5/10
Annual Fee
₹4,999
Reward Rate
25%
Best For
Travel, Movies
Network
Visa
SBI Card MILES
SBI
3.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Travel, Rewards
Network
Mastercard
SBI Card MILES PRIME
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Travel, Lounge
Network
Mastercard
SBI Card PRIME
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Rewards, Travel
Network
Visa
SBI Card PRIME Advantage
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
SBI Card PULSE
SBI
3.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Health, Wellness
Network
Visa
SpiceJet Axis Bank Voyage Credit Card
AXIS
3.5/10
Annual Fee
₹750
Reward Rate
50%
Best For
Travel, Airlines
Network
Visa
Kotak Mahindra Bank - League Platinum
KOTAK
3.2/10
Annual Fee
₹499
Reward Rate
10%
Best For
Rewards, Shopping
Network
Visa
Axis Bank Freecharge Credit Card
AXIS
3.0/10
Annual Fee
₹250
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank Business Freedom Credit Card
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
10%
Best For
Business, Rewards
Network
Visa
HDFC Bank Freedom Credit Card
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
15%
Best For
Rewards, Shopping
Network
RuPay
| Card | Action | ||||
|---|---|---|---|---|---|
| ₹12,500 | 20% | TravelLifestyleRewards | 8.2/10 | ||
HDFC Bank - Tata Neu Plus HDFC BankEditor's Pick HDFC | ₹499 | 100% | ShoppingRewardsUPI | 7.8/10 | |
| ₹3,500 | 45% | travellounge-accessrewards | 7.5/10 | ||
| ₹750 | 100% | TravelLifestyleRewards | 7.2/10 | ||
| ₹750 | 25% | LifestyleTravelRewards | 7.2/10 | ||
| ₹2,500 | 25% | TravelMoviesRewards | 7.2/10 | ||
| ₹250 | 25% | DefenseRewardsFuel | 7.2/10 | ||
| Free | 20% | UPIRewardsLifestyle | 7.0/10 | ||
| ₹499 | 25% | TravelDaily CommuteRewards | 7.0/10 | ||
| ₹500 | 25% | RewardsLifestyleTravel | 7.0/10 | ||
| ₹499 | 25% | ShoppingRewards | 7.0/10 | ||
| ₹500 | 20% | RewardsMoviesDining | 6.5/10 | ||
| ₹250 | 20% | RewardsDiningDefence | 6.5/10 | ||
| ₹500 | 20% | RewardsGroceryUtilities | 6.5/10 | ||
| ₹100 | 20% | SecuredRewardsBeginner | 6.0/10 | ||
| ₹100 | 20% | TravelRewards | 6.0/10 | ||
| ₹12,500 | 33% | TravelLifestyleRewards | 4.9/10 | ||
| ₹12,500 | 33% | TravelLifestyleRewards | 4.9/10 | ||
| ₹30,000 | 20% | TravelLuxuryRewards | 4.8/10 | ||
| ₹10,000 | 30% | BusinessTravelLuxury | 4.8/10 | ||
| ₹10,000 | 30% | TravelLifestyleDining | 4.8/10 | ||
| ₹5,000 | 100% | TravelLoungeRewards | 4.5/10 | ||
| ₹10,000 | 100% | travellifestylerewards | 4.5/10 | ||
| ₹12,499 | 100% | TravelLifestyleRewards | 4.5/10 | ||
| ₹12,499 | 100% | TravelLifestyleRewards | 4.5/10 | ||
| ₹9,999 | 25% | TravelLuxuryRewards | 4.5/10 | ||
| ₹1,499 | 100% | ShoppingTravelRewards | 4.5/10 | ||
| ₹5,000 | 100% | TravelLifestyleRewards | 4.2/10 | ||
| ₹2,999 | 25% | LifestyleTravelRewards | 4.2/10 | ||
| ₹2,500 | 50% | BusinessTravelRewards | 4.2/10 | ||
| ₹2,500 | 20% | LifestyleTravelDining | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleRewards | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleRewards | 4.2/10 | ||
| Free | 25% | LifestyleTravelRewards | 4.2/10 | ||
| ₹2,000 | 80% | RewardsLifestyleGolf | 4.2/10 | ||
| ₹500 | 100% | TravelRewardsRailway | 4.2/10 | ||
| ₹4,999 | 100% | TravelPremiumRewards | 4.2/10 | ||
| ₹1,499 | 25% | RewardsDefenseGrocery | 4.2/10 | ||
| ₹3,100 | 25% | BusinessTravelRewards | 4.0/10 | ||
| ₹99 | 25% | UPIRewardsShopping | 4.0/10 | ||
| ₹5,000 | 75% | TravelLifestyleRewards | 4.0/10 | ||
| Free | 25% | RewardsTravelDefense | 4.0/10 | ||
| ₹3,000 | N/A | TravelLifestyleRewards | 4.0/10 | ||
| ₹999 | 100% | TravelRewardsUPI | 4.0/10 | ||
| ₹500 | 20% | ShoppingRewardsCashback | 4.0/10 | ||
| ₹4,999 | 25% | LifestyleTravelMovies | 4.0/10 | ||
| ₹1,000 | 20% | RewardsShoppingDining | 3.8/10 | ||
| ₹1,500 | 20% | ShoppingTravelRewards | 3.8/10 | ||
| ₹1,000 | 100% | NRITravelRewards | 3.8/10 | ||
| ₹1,499 | 100% | TravelShoppingRewards | 3.8/10 | ||
| ₹2,000 | 50% | TravelRewardsDining | 3.8/10 | ||
| ₹4,999 | 25% | TravelRewards | 3.5/10 | ||
| ₹2,100 | 25% | CorporateBusinessRewards | 3.5/10 | ||
| ₹499 | 50% | Health & WellnessRewardsLifestyle | 3.5/10 | ||
| ₹749 | 20% | HealthWellnessRewards | 3.5/10 | ||
| Free | 66% | RewardsInsurance | 3.5/10 | ||
| ₹500 | 20% | RewardsTravelDining | 3.5/10 | ||
| ₹500 | 100% | ShoppingRewards | 3.5/10 | ||
| ₹500 | 15% | BusinessRewardsUPI | 3.5/10 | ||
| ₹500 | 25% | BusinessRewardsUtilities | 3.5/10 | ||
| ₹500 | 20% | BusinessCashbackRewards | 3.5/10 | ||
| ₹1,000 | 20% | RewardsTravelShopping | 3.5/10 | ||
| ₹500 | 25% | ShoppingRewardsBeginner | 3.5/10 | ||
| ₹1,000 | 30% | TravelLifestyleRewards | 3.5/10 | ||
| ₹500 | 20% | ShoppingRewards | 3.5/10 | ||
| ₹1,000 | 25% | RewardsLifestyleTravel | 3.5/10 | ||
| ₹500 | 25% | RewardsLifestyleMovies | 3.5/10 | ||
| ₹500 | 25% | SecuredLifestyleRewards | 3.5/10 | ||
| ₹499 | 25% | LifestyleRewardsEntertainment | 3.5/10 | ||
| ₹2,000 | 25% | TravelEntertainmentRewards | 3.5/10 | ||
| ₹299 | 25% | TransitRewardsDining | 3.5/10 | ||
| ₹499 | 25% | BusinessTravelRewards | 3.5/10 | ||
| Free | 20% | ShoppingRewardsSecured | 3.5/10 | ||
| ₹999 | 20% | TravelDiningRewards | 3.5/10 | ||
| ₹499 | 25% | ShoppingRewards | 3.5/10 | ||
| ₹499 | 100% | TravelRewards | 3.5/10 | ||
| ₹499 | 25% | ShoppingRewardsLifestyle | 3.5/10 | ||
| ₹499 | 20% | BusinessRewardsCashback | 3.5/10 | ||
| ₹4,999 | 25% | TravelMoviesDining | 3.5/10 | ||
| ₹1,499 | 25% | TravelRewards | 3.5/10 | ||
| ₹2,999 | 100% | TravelLoungeRewards | 3.5/10 | ||
| ₹2,999 | 25% | RewardsTravelLifestyle | 3.5/10 | ||
| ₹2,999 | 25% | RewardsLifestyleTravel | 3.5/10 | ||
| ₹1,499 | 25% | HealthWellnessRewards | 3.5/10 | ||
| ₹750 | 50% | TravelAirlinesRewards | 3.5/10 | ||
| ₹499 | 10% | RewardsShoppingMovies | 3.2/10 | ||
| ₹250 | 20% | ShoppingRewardsDigital Spends | 3.0/10 | ||
| ₹500 | 10% | BusinessRewardsCashback | 3.0/10 | ||
| ₹500 | 15% | RewardsShoppingDining | 3.0/10 |
How to Choose
What Matters Most in Rewards Cards
Key factors to compare
- Point valuation and redemption flexibility
- Accelerated categories and reward exclusions
- Milestone bonuses and renewal offsets
What to look for
- A points currency you can redeem well
- Strong base value with upside in your top categories
- A fee that remains justified after year one
Common mistakes
- Comparing points without checking redemption value
- Ignoring exclusions on high-spend categories
- Getting trapped in a rewards system you do not actually use
Expanded Grid
Individual Card Breakdowns
84 paid cards and 5 free cards in this category.
AXIS
Axis Bank Magnus Credit Card
TravelLifestyleRewards
8.2
Editor Rating
Annual Fee
₹12,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹12,500
20% base reward rate
Strong 8.2/10 editor rating
Watchouts
You need enough yearly value to offset the ₹12,500 fee
HDFC
HDFC Bank - Tata Neu Plus HDFC Bank
ShoppingRewardsUPI
7.8
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Miles & More Axis Bank World Credit Card
travellounge-accessrewards
7.5
Editor Rating
Annual Fee
₹3,500
Reward Rate
45%
Network
Mastercard
Mini Pros
Annual fee of ₹3,500
45% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,500 fee
ICICI
Adani One ICICI Bank Platinum Credit Card
TravelLifestyleRewards
7.2
Editor Rating
Annual Fee
₹750
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹750
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹750 fee
ICICI
ICICI Bank Platinum Identity Credit Card
LifestyleTravelRewards
7.2
Editor Rating
Annual Fee
₹750
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹750
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹750 fee
KOTAK
Kotak Mahindra Bank Privy League Signature
TravelMoviesRewards
7.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,500
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
SBI
Shaurya SBI Card
DefenseRewardsFuel
7.2
Editor Rating
Annual Fee
₹250
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹250
25% base reward rate
Good fit for defense
Watchouts
You need enough yearly value to offset the ₹250 fee
AXIS
Axis Bank Kwik Credit Card
UPIRewardsLifestyle
7.0
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
RuPay
Mini Pros
No annual fee to recover
20% base reward rate
Good fit for upi
Watchouts
Benefits may be lighter than premium alternatives
SBI
Delhi Metro SBI Card
TravelDaily CommuteRewards
7.0
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
ICICI Bank NRI Coral Credit Card
RewardsLifestyleTravel
7.0
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
SBI Card - SimplyCLICK SBI Card
ShoppingRewards
7.0
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Platinum Credit Card
RewardsMoviesDining
6.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Pride Platinum Credit Card
RewardsDiningDefence
6.5
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹250 fee
HDFC
HDFC Bank Equitas Excite Credit Card
RewardsGroceryUtilities
6.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Easy Gold Credit Card
SecuredRewardsBeginner
6.0
Editor Rating
Annual Fee
₹100
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹100
20% base reward rate
Good fit for secured
Watchouts
You need enough yearly value to offset the ₹100 fee
AXIS
Axis Bank Titanium Smart Traveler Credit Card
TravelRewards
6.0
Editor Rating
Annual Fee
₹100
Reward Rate
20%
Network
Mastercard
Mini Pros
Annual fee of ₹100
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹100 fee
HDFC
HDFC Bank - Infinia Metal
TravelLifestyleRewards
4.9
Editor Rating
Annual Fee
₹12,500
Reward Rate
33%
Network
Visa
Mini Pros
Annual fee of ₹12,500
33% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
HDFC
HDFC Bank Infinia
TravelLifestyleRewards
4.9
Editor Rating
Annual Fee
₹12,500
Reward Rate
33%
Network
Visa
Mini Pros
Annual fee of ₹12,500
33% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
AXIS
Axis Bank Magnus for Burgundy Credit Card
TravelLuxuryRewards
4.8
Editor Rating
Annual Fee
₹30,000
Reward Rate
20%
Network
Mastercard
Mini Pros
Annual fee of ₹30,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹30,000 fee
HDFC
HDFC Bank BizBlack Metal Card
BusinessTravelLuxury
4.8
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹10,000 fee
HDFC
HDFC Bank Diners Club Black Metal Edition
TravelLifestyleDining
4.8
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
AXIS
Axis Bank Atlas Credit Card
TravelLoungeRewards
4.5
Editor Rating
Annual Fee
₹5,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹5,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
HDFC
HDFC Bank H.O.G. Diners Club Credit Card
travellifestylerewards
4.5
Editor Rating
Annual Fee
₹10,000
Reward Rate
100%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
ICICI
ICICI Bank Emeralde Private Credit Card
TravelLifestyleRewards
4.5
Editor Rating
Annual Fee
₹12,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹12,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,499 fee
ICICI
ICICI Bank Emeralde Private Metal Credit Card
TravelLifestyleRewards
4.5
Editor Rating
Annual Fee
₹12,499
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹12,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,499 fee
SBI
SBI Card AURUM
TravelLuxuryRewards
4.5
Editor Rating
Annual Fee
₹9,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹9,999
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹9,999 fee
SBI
Tata Neu Infinity SBI Credit Card
ShoppingTravelRewards
4.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,499 fee
ICICI
Adani One ICICI Bank Signature Credit Card
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹5,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹5,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
CUB
City Union Bank SBI Card PRIME
LifestyleTravelRewards
4.2
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
HDFC Bank BizPower
BusinessTravelRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹2,500
50% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Harley-Davidson Diners Club Credit Card
LifestyleTravelDining
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Diners Club
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Regalia
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Regalia Activ
TravelLifestyleRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
ICICI
ICICI Bank Parakram Select Credit Card
LifestyleTravelRewards
4.2
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
RuPay
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for lifestyle
Watchouts
Benefits may be lighter than premium alternatives
ICICI
ICICI Bank Signature Credit Card
RewardsLifestyleGolf
4.2
Editor Rating
Annual Fee
₹2,000
Reward Rate
80%
Network
Visa
Mini Pros
Annual fee of ₹2,000
80% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,000 fee
HDFC
IRCTC HDFC Bank Credit Card
TravelRewardsRailway
4.2
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
SBI Card MILES ELITE
TravelPremiumRewards
4.2
Editor Rating
Annual Fee
₹4,999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹4,999
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,999 fee
SBI
Shaurya Select SBI Card
RewardsDefenseGrocery
4.2
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,499 fee
AMEX
American Express Gold Corporate Card
BusinessTravelRewards
4.0
Editor Rating
Annual Fee
₹3,100
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹3,100
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹3,100 fee
HDFC
HDFC Bank UPI RuPay Credit Card
UPIRewardsShopping
4.0
Editor Rating
Annual Fee
₹99
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹99
25% base reward rate
Good fit for upi
Watchouts
You need enough yearly value to offset the ₹99 fee
ICICI
ICICI Bank Emirates Skywards Sapphiro Credit Card
TravelLifestyleRewards
4.0
Editor Rating
Annual Fee
₹5,000
Reward Rate
75%
Network
Visa
Mini Pros
Annual fee of ₹5,000
75% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹5,000 fee
ICICI
ICICI Bank Parakram Credit Card
RewardsTravelDefense
4.0
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
Visa
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for rewards
Watchouts
Benefits may be lighter than premium alternatives
KOTAK
Kotak Mahindra Bank White Credit Card
TravelLifestyleRewards
4.0
Editor Rating
Annual Fee
₹3,000
Reward Rate
N/A
Network
Visa
Mini Pros
Annual fee of ₹3,000
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
Best value depends on category-specific perks rather than flat rewards
ICICI
MakeMyTrip ICICI Bank Credit Card
TravelRewardsUPI
4.0
Editor Rating
Annual Fee
₹999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹999
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹999 fee
AXIS
Samsung Axis Bank Signature Credit Card
ShoppingRewardsCashback
4.0
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
SBI Card ELITE Advantage
LifestyleTravelMovies
4.0
Editor Rating
Annual Fee
₹4,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹4,999
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹4,999 fee
AXIS
Axis Bank Rewards Credit Card
RewardsShoppingDining
3.8
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
KOTAK
Kotak Mahindra Bank - Zen Signature
ShoppingTravelRewards
3.8
Editor Rating
Annual Fee
₹1,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,500 fee
KOTAK
Kotak Mahindra Bank NRI Royale Credit Card
NRITravelRewards
3.8
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for nri
Watchouts
You need enough yearly value to offset the ₹1,000 fee
SBI
Paytm SBI Card SELECT
TravelShoppingRewards
3.8
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
AXIS
SpiceJet Axis Bank Voyage Black Credit Card
TravelRewardsDining
3.8
Editor Rating
Annual Fee
₹2,000
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹2,000
50% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,000 fee
SBI
Air India SBI Signature Card
TravelRewards
3.5
Editor Rating
Annual Fee
₹4,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹4,999
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,999 fee
AMEX
American Express Green Corporate Card
CorporateBusinessRewards
3.5
Editor Rating
Annual Fee
₹2,100
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹2,100
25% base reward rate
Good fit for corporate
Watchouts
You need enough yearly value to offset the ₹2,100 fee
SBI
Apollo SBI Card
Health & WellnessRewardsLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
50%
Network
Mastercard
Mini Pros
Annual fee of ₹499
50% base reward rate
Good fit for health & wellness
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Aura Credit Card
HealthWellnessRewards
3.5
Editor Rating
Annual Fee
₹749
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹749
20% base reward rate
Good fit for health
Watchouts
You need enough yearly value to offset the ₹749 fee
AXIS
Axis Bank LIC Platinum Credit Card
RewardsInsurance
3.5
Editor Rating
Annual Fee
Free
Reward Rate
66%
Network
Visa
Mini Pros
No annual fee to recover
66% base reward rate
Good fit for rewards
Watchouts
Benefits may be lighter than premium alternatives
AXIS
Axis Bank Pride Signature Credit Card
RewardsTravelDining
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Flipkart Axis Bank Super Elite Credit Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank BizFirst Credit Card
BusinessRewardsUPI
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
15%
Network
RuPay
Mini Pros
Annual fee of ₹500
15% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank BizGrow Credit Card
BusinessRewardsUtilities
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Business Moneyback
BusinessCashbackRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Mastercard
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Equitas Elegance Credit Card
RewardsTravelShopping
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank MoneyBack+ Credit Card
ShoppingRewardsBeginner
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Regalia First
TravelLifestyleRewards
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
30%
Network
Visa
Mini Pros
Annual fee of ₹1,000
30% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank Snapdeal Credit Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Ascent American Express Credit Card
RewardsLifestyleTravel
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹1,000
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
ICICI
ICICI Bank Coral Credit Card
RewardsLifestyleMovies
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Coral Credit Card against Fixed Deposit
SecuredLifestyleRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for secured
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Expressions Credit Card
LifestyleRewardsEntertainment
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
ICICI Bank Rubyx Credit Card
TravelEntertainmentRewards
3.5
Editor Rating
Annual Fee
₹2,000
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,000
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,000 fee
ICICI
ICICI Bank Unifare Credit Card
TransitRewardsDining
3.5
Editor Rating
Annual Fee
₹299
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹299
25% base reward rate
Good fit for transit
Watchouts
You need enough yearly value to offset the ₹299 fee
KOTAK
Kotak Biz Credit Card
BusinessTravelRewards
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
KOTAK
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
ShoppingRewardsSecured
3.5
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
Visa
Mini Pros
No annual fee to recover
20% base reward rate
Good fit for shopping
Watchouts
Benefits may be lighter than premium alternatives
KOTAK
Kotak Royale Signature Credit Card
TravelDiningRewards
3.5
Editor Rating
Annual Fee
₹999
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹999
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹999 fee
SBI
Lifestyle Home Centre SBI Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
OLA Money SBI Card
TravelRewards
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Reliance SBI Card
ShoppingRewardsLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
Retailio HDFC Bank Credit Card
BusinessRewardsCashback
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹499
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card ELITE
TravelMoviesDining
3.5
Editor Rating
Annual Fee
₹4,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹4,999
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,999 fee
SBI
SBI Card MILES
TravelRewards
3.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
SBI
SBI Card MILES PRIME
TravelLoungeRewards
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
SBI Card PRIME
RewardsTravelLifestyle
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
SBI Card PRIME Advantage
RewardsLifestyleTravel
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
SBI Card PULSE
HealthWellnessRewards
3.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for health
Watchouts
You need enough yearly value to offset the ₹1,499 fee
AXIS
SpiceJet Axis Bank Voyage Credit Card
TravelAirlinesRewards
3.5
Editor Rating
Annual Fee
₹750
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹750
50% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹750 fee
KOTAK
Kotak Mahindra Bank - League Platinum
RewardsShoppingMovies
3.2
Editor Rating
Annual Fee
₹499
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹499
10% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Freecharge Credit Card
ShoppingRewardsDigital Spends
3.0
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹250 fee
HDFC
HDFC Bank Business Freedom Credit Card
BusinessRewardsCashback
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹500
10% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Freedom Credit Card
RewardsShoppingDining
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
15%
Network
RuPay
Mini Pros
Annual fee of ₹500
15% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
FAQ
Common Questions About Rewards Cards
What is the HDFC H.O.G. Diners Club card best used for?
This card is specifically designed for members of the Harley Owners Group. It offers accelerated rewards on Harley-Davidson merchandise and services, alongside standard Diners Club benefits like airport lounge access and golf games.
Do reward points expire on Indian credit cards?
Most reward points expire after 2 to 3 years. However, ultra-premium cards like HDFC Infinia or American Express Platinum offer points that never expire as long as the account is active.
Is there a fee for redeeming reward points?
Yes, most Indian banks (HDFC, SBI, ICICI) charge a 'Redemption Fee' ranging from ₹99 to ₹250 per transaction when you claim vouchers or products from their catalog.