Best Reward Points Credit Cards in 2025

• 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

Annual Fee: ₹2,999

Welcome Benefit: 2,000 bonus reward points on payment of the joining fee

Accelerated Rewards:

• Earn 15 RP/₹100 at Lifestyle, Home Centre, Max & Spar
• Earn 2 RP/₹100 on other retail spends
• 10 RP/₹100 on birthday spends

Travel Benefit: Complimentary Priority Pass membership with access to over 600 international airport lounges

Lounge Access: 4 complimentary domestic lounge visits per year

Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500–₹3,000

• ₹500 annual fee (waivable on ₹1 Lakh annual spend)
• 20 reward points per ₹100 on groceries (capped at 1,000 points/month)
• 1 reward point per ₹100 on other spends
• 10% off on BookMyShow tickets (up to ₹100, 15 times/year)
• 1% fuel surcharge waiver on transactions ₹500–₹4,000 (max ₹100/month)
• 2,000 welcome reward points on first transaction within 30 days

• 5X rewards on train bookings via IRCTC app/website
• 3X rewards on FASTag recharge, NCMC reload & UTS app spends
• 2X rewards on IRCTC flight & hotel bookings
• 1% train booking fee waiver (up to ₹200/month)
• Up to 8 free railway lounge visits per year
• Train cancellation protection up to ₹5,000
• 500 welcome points + milestone bonus points

• 1 Complimentary Premium Economy Ticket on card activation
• Earn 4 CV Points for every ₹200 spent on eligible purchases
• Up to 3 Premium Economy Tickets on reaching annual spend milestones
• 4 Complimentary Domestic Lounge Accesses per year

• Earn up to 8 InterMiles per ₹150 on flight and hotel bookings via InterMiles website.
• Get InterMiles Silver Membership for the first year.
• Welcome benefit of up to 3,000 InterMiles + vouchers worth ₹1,500.
• 8 complimentary domestic lounge visits per year (2 per quarter).
• Up to 50% off on Etihad Airways bookings.
• Complimentary Dineout Passport Membership with up to 30% dining discounts.
• Renewal fee waiver on spending ₹2.5 lakh in a year.
• 1% fuel surcharge waiver on fuel transactions.
• Interest-free credit period of up to 50 days.

• 1,000 welcome points and 1,000 renewal points
• Earn 3 reward points for every ₹150 spent, 50% extra points at select restaurants
• Professional indemnity insurance up to ₹20 lakh
• 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement)
• Convert 667 reward points into 100 air miles
• Annual fee waived on spending ₹1 lakh in a year
• Up to 50 interest-free days and access to revolving credit

• Premium lifestyle and travel credit card.
• Unlimited airport lounge access (domestic & international).
• Complimentary hotel memberships and elite status with top hotel chains.
• Golf games and lessons at 80+ golf courses worldwide.
• Exclusive dining discounts with EazyDiner Prime Membership.
• 24×7 Platinum Concierge for travel, dining, and event bookings.

• Complimentary Club Vistara Gold membership and up to 8 CV points on bookings.
• Priority Pass membership with international and domestic lounge access.
• Milestone benefits: Business Class ticket vouchers on spending milestones.
• Entertainment benefits: BookMyShow discounts and free movie tickets.
• Additional perks: Dining vouchers, concierge service, fuel surcharge waiver, auto-assist services.