Best Reward Points Credit Cards in India for 2026

Reward points are one of the most popular features of credit cards. You earn these points every time you use your card for payments. Later, you can redeem the points for various options like gift vouchers, products, partner loyalty points, or even cash credit—depending on your card and the bank. Once you collect a certain number of points, such as 2,000 or more, you can start using them for exciting rewards and offers.

SBI SimplyClick Credit Card

(4.0/5)

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Joining Fee

₹499 + GST

Annual Fee

₹499 + GST

Rewards Type

Cashback

Best For

Reward | Entry-Level | Online Shopping

Key Benefits

₹500 Amazon gift voucher as a welcome benefit
₹2,000 Cleartrip/Yatra e-vouchers on annual online spends of ₹1,00,000 & ₹2,00,000
10X Reward Points on partner merchants like Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds & Yatra
5X Reward Points on all other online spends
1 Reward Point per ₹100 on offline spends (excluding fuel)
₹499 annual fee waived on yearly spends of ₹1,00,000
1% fuel surcharge waiver on fuel purchases between ₹500–₹3,000

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Google Pay Flex Axis Bank Credit Card

(4.0/5)

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Joining Fee

₹0 + GST

Annual Fee

₹0 + GST

Rewards Type

Reward Points

Best For

Reward | Entry-Level

Key Benefits

Key Benefits
Earn up to 8X rewards on your monthly spends
Redeem rewards easily on UPI payments via Google Pay (1 star = Rs. 1)
No joining or annual fees, making it a lifetime free credit card

Earn 2X, 4X, and up to 8X stars based on your monthly spending, helping you maximize rewards
Redeem stars on UPI payments via Google Pay at a value of 1 star = Rs. 1
Get welcome benefits including 2 stars per Rs. 500 in the first month, a Rs. 250 gift card, and 250 bonus stars
Enjoy flexible repayment options with the choice to pay the full bill or convert it into EMIs
Get up to 15% discount on dining (up to Rs. 500 per month) via EazyDiner
Convert transactions of Rs. 2,500 or more into easy EMIs

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MakeMyTrip ICICI Bank Credit Card

(0.5/5)

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Joining Fee

₹999 + GST

Annual Fee

₹999 + GST

Rewards Type

Reward Points

Best For

Travel | Reward

Key Benefits

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HDFC Infinia Credit Card

(4.9/5)

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Joining Fee

₹12500 + GST

Annual Fee

₹12500 + GST

Rewards Type

Reward Points

Best For

Travel | Reward | Premium

Key Benefits

Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
10X rewards on SmartBuy (flights, hotels, shopping, and more)
Complimentary Club Marriott membership
Low forex markup of 2%
Golf games at top courses in India and abroad
24x7 concierge service and emergency card replacement globally
Metal card design with premium packaging

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HDFC Diners Club Black Metal Edition Credit Card

(4.0/5)

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HDFC Diners Club Black Metal Edition Credit Card

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Joining Fee

₹10000 + GST

Annual Fee

₹10000 + GST

Rewards Type

Reward Points

Best For

Travel | Reward | Premium

Key Benefits

Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
6 complimentary golf games per quarter at premium global courses.
Unlimited airport lounge access at 1,000+ domestic and international lounges.
Low forex markup fee of 2% on international transactions.
Extensive travel insurance, including air accident cover worth ₹2 Crore.

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HDFC Regalia Gold Credit Card

(0.5/5)

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Joining Fee

₹2500 + GST

Annual Fee

₹2500 + GST

Rewards Type

Reward Points

Best For

Travel | Shopping | Reward

Key Benefits

Earn 4 reward points per ₹150 on all spends including insurance, utilities, and education
Get 20 reward points per ₹150 at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
1 reward point = ₹0.65 (Gold Catalogue)
1 reward point = ₹0.50 (flight & hotel bookings)

Get complimentary Swiggy One and MMT Black Elite memberships.
Receive a gift voucher worth ₹2,500 on payment of the joining fee.
Enjoy 6 complimentary international and 12 complimentary domestic airport lounge visits every year.
Earn ₹1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott on quarterly spends of ₹1.5 lakh.
Get flight vouchers worth ₹5,000 on annual spends of ₹5 lakh.

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HDFC MoneyBack+ Credit Card

(4.2/5)

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Joining Fee

₹500 + GST

Annual Fee

₹500 + GST

Rewards Type

Reward Points

Best For

Shopping | Reward | Entry-Level

Key Benefits

Joining Fee: ₹500
Renewal Fee: ₹500 (waived on spending ₹50,000 or more in a year)
Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket
Get 5X CashPoints on EMI transactions

Welcome Benefit: 500 CashPoints on card activation.
EMI Rewards: Earn 5X CashPoints on EMI payments at select merchant stores.
Everyday Spends: Get 2 CashPoints per ₹150 spent (excluding fuel, wallet reloads, vouchers, and prepaid card reloads).
Partner Brands: Enjoy 10X CashPoints on purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore.
Dining Offers: Up to 15% discount at 2,000+ partner restaurants across India.

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Axis Atlas Credit Card

(4.0/5)

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Joining Fee

₹5000 + GST

Annual Fee

₹5000 + GST

Rewards Type

Reward Points

Best For

Travel | Reward | Airport Lounge Access

Key Benefits

Enjoy a welcome bonus of up to 2,500 EDGE Miles.
Earn 5 EDGE Miles per ₹100 spent on travel (up to ₹2 lakh per month).
Get 2 EDGE Miles per ₹100 on spends beyond ₹2 lakh or across other categories.
Redeem your EDGE Miles on the Travel EDGE platform at a 1:1 ratio (1 EDGE Mile = ₹1).
Convert EDGE Miles to partner programs — 2 EDGE Miles = 2 Partner Points (or 2 EDGE Miles = 1 Marriott Bonvoy Point).
Access up to 12 international and 18 domestic airport lounges every year*.
Unlock milestone rewards of up to 5,000 bonus EDGE Miles annually*.

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IndianOil RBL Bank XTRA Credit Card

(4.0/5)

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Joining Fee

₹1500 + GST

Annual Fee

₹1500 + GST

Rewards Type

Reward Points

Best For

Fuel | Reward

Key Benefits

Welcome Benefit: 3,000 Fuel Points on first transaction of Rs. 500 or more within 30 days of issuance.
Reward Program: Earn 15 Fuel Points per Rs. 100 spent at IndianOil outlets, 2 Fuel Points on all other spends.
Fuel Savings: Save up to 8.5% on IOCL fuel spends (up to 250 litres free fuel annually).
Milestone Benefit: 1,000 Fuel Points on quarterly spends of Rs. 75,000.
Redemption Value: 1 Fuel Point = Rs. 0.50 at IOCL pumps / petrol vouchers.
Fuel Surcharge Waiver: 1% waiver (up to Rs. 200 per month) on transactions of Rs. 500–4,000.
Annual Fee Waiver: Spend Rs. 2.75 lakh in a year to get the fee waived.

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IDFC FIRST Power+ Credit Card

(4.3/5)

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Joining Fee

₹499 + GST

Annual Fee

₹499 + GST

Rewards Type

Reward Points

Best For

Fuel | Reward

Key Benefits

Attractive introductory benefits with total value up to Rs. 1,650
Includes lifestyle privileges across travel, movies, and roadside assistance
0% interest on cash withdrawals till the due date
Potential annual savings of up to Rs. 18,500 — equivalent to over 175 litres of fuel

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Best Reward Credit Cards in India for 2026

Here is list of top Reward credit cards along with detailed benefits and fees & charges.

1. SBI SimplyClick Credit Card

Joining Fee: Rs. 499 + GST

Annual Fee: Rs. 499 + GST

Key Features and Benefits:

Note: The SBI SimplyCLICK credit card is a good fit for budget-conscious online shoppers, but if you prefer direct cashback or wider brand options, you may want to consider other credit cards with better redemption value.

2. Google Pay Flex Axis Bank Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

Key Benefits
Earn up to 8X rewards on your monthly spends
Redeem rewards easily on UPI payments via Google Pay (1 star = Rs. 1)
No joining or annual fees, making it a lifetime free credit card
Welcome benefits worth Rs. 500 including gift card and bonus stars
Flexible payment option to pay full bill or convert into EMIs
Extra rewards on higher monthly spends up to Rs. 30,000
Save up to Rs. 6,000 per year on dining via EazyDiner

3. MakeMyTrip ICICI Bank Credit Card

Joining Fee: Rs. 999 + GST

Annual Fee: Rs. 999 + GST

Key Features and Benefits:

4. HDFC Infinia Credit Card

Joining Fee: Rs. 12500 + GST

Annual Fee: Rs. 12500 + GST

Key Features and Benefits:

The Infinia Credit Card Metal Edition offers many benefits that let you enjoy a premium lifestyle.

5. HDFC Diners Club Black Metal Edition Credit Card

Joining Fee: Rs. 10000 + GST

Annual Fee: Rs. 10000 + GST

Key Features and Benefits:

6. HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2500 + GST

Annual Fee: Rs. 2500 + GST

Key Features and Benefits:

Reward Benefits:

Earn 4 reward points per ₹150 on all spends including insurance, utilities, and education
Get 20 reward points per ₹150 at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
1 reward point = ₹0.65 (Gold Catalogue)
1 reward point = ₹0.50 (flight & hotel bookings)
1 reward point = 0.5 air mile
1 reward point = up to ₹0.35 (products & vouchers)
1 reward point = ₹0.20 (cashback/statement balance)

Additional Benefits:

12 complimentary domestic lounge visits every year
6 international lounge visits via Priority Pass (for primary and add-on members)
Spend ₹1.5 lakh and get a ₹1,500 voucher (Myntra, Marriott, M&S, Reliance Digital)
Spend ₹5 lakh and get a ₹5,000 flight voucher
Spend ₹7.5 lakh and get an additional ₹5,000 flight voucher

Overview:
HDFC Regalia Gold Credit Card is an upgraded version of the popular Regalia card, offering a mix of travel and lifestyle benefits. With good reward rates, lounge access, complimentary memberships, and milestone vouchers, it is considered a strong all-rounder credit card in India.

Note: Priority Pass membership is available after completing at least 4 retail transactions.

7. HDFC MoneyBack+ Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

Joining Fee: ₹500
Renewal Fee: ₹500 (waived on spending ₹50,000 or more in a year)

Overview:
HDFC MoneyBack+ Credit Card is a low-fee rewards card offering extra benefits on popular online brands. It also comes with a RuPay variant, allowing users to earn rewards on UPI spends, making it a good option for everyday use.

Reward Benefits:

Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket
Get 5X CashPoints on EMI transactions
Earn 2 CashPoints per ₹150 on other spends
1 CashPoint = ₹0.25 for redemption
Get 500 CashPoints on paying joining and renewal fee

Additional Benefits:

Get a ₹500 gift voucher on quarterly spends of ₹50,000 or more
1% fuel surcharge waiver (up to ₹250 per month) on transactions between ₹400 and ₹5,000

8. Axis Atlas Credit Card

Joining Fee: Rs. 5000 + GST

Annual Fee: Rs. 5000 + GST

Key Features and Benefits:

9. IndianOil RBL Bank XTRA Credit Card

Joining Fee: Rs. 1500 + GST

Annual Fee: Rs. 1500 + GST

Key Features and Benefits:

Offering an impressive 8.5% value-back, the IndianOil RBL Bank XTRA Credit Card stands out as one of India’s best fuel credit cards, especially for those loyal to Indian Oil Corporation Limited. By spending around ₹45,000 per month, cardholders can earn rewards equivalent to up to 250 litres of fuel annually—outperforming the BPCL SBI Card Octane by 1.25%. It is important to note that this card is specifically designed for fuel expenses. Unlike other fuel cards such as the BPCL SBI Octane or IDFC FIRST Power Plus Credit Card, which also offer benefits on everyday categories, this card focuses entirely on maximizing fuel savings.

For daily commuters and heavy fuel users, this card is an excellent choice to get the maximum value from fuel spends.

10. IDFC FIRST Power+ Credit Card

Joining Fee: Rs. 499 + GST

Annual Fee: Rs. 499 + GST

Key Features and Benefits:

IDFC FIRST Bank, in collaboration with Hindustan Petroleum Corporation Limited (HPCL), has launched the co-branded FIRST Power Plus Credit Card with a joining fee of Rs. 499. With the HPCL IDFC FIRST Power+ Credit Card, users can earn a value-back of up to 6.5% on fuel spends at Hindustan Petroleum Corporation Limited outlets.

Apart from fuel, this card also offers decent savings on everyday categories like groceries and utility bill payments. Although it does not provide a fuel surcharge waiver, the higher reward rate on fuel transactions helps balance this limitation, making it one of the best fuel credit cards in India.

Additional benefits such as complimentary lounge access, movie discounts, and roadside assistance further enhance its overall value. With a comparatively low annual fee of ₹499, this card is especially attractive for beginners looking for a budget-friendly fuel credit card with multiple benefits.

Explore Other Reward Credit Cards