Best Reward Points Credit Cards in 2025

• 10X reward points on online partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap (Urban Company)
• 5X reward points on all other online spends
• 1X reward point on offline spends
• Spend ₹1 lakh annually to waive the renewal fee
• Get a ₹2,000 e-voucher as a milestone reward on annual spends of ₹1 lakh

• Get an e-Gift Voucher worth ₹5,000 on paying the annual fee
• Enjoy free movie tickets worth ₹6,000 every year
• Earn up to 50,000 bonus reward points worth ₹12,500 annually through milestone spends
• Get complimentary Priority Pass membership (worth $99) for international lounge access

• Free Smartwatch: Get a Noise ColorFit Pulse Smartwatch worth ₹4,999 on joining.
• Health Memberships: Enjoy 1-year free access to NetMeds and FITPASS PRO.
• Reward Points: Earn 10 points per ₹100 on pharmacy, dining, and entertainment spends.
• Lounge Access: Get 8 free domestic airport lounge visits per year (2 per quarter).
• Annual Fee Waiver: No renewal fee if you spend ₹2 lakh in a year.
• Insurance Cover: Get ₹1 lakh fraud protection and ₹50 lakh air accident cover.

• Earn 10X reward points on dining, movies, groceries & department store spends
• Get 1 reward point for every ₹100 spent on other purchases
• Receive 2,000 bonus points on spending ₹2,000 in the first 60 days
• Spend ₹1 lakh in a year to waive the renewal fee
• Use the card at over 24 million outlets worldwide

• 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

• Complimentary Zomato Pro & Club Marriott Membership
• Unlimited Domestic & International Airport Lounge Access
• 24x7 Luxury Concierge Services
• Comprehensive Insurance Coverage
• Premium Metal Card Design for Elite Appearance
• High Reward Point Value (1 RP = ₹0.25)

• Get 6,000 reward points as a welcome gift.
• Earn up to 7.25% value back on fuel spends at BPCL petrol pumps.
• Earn 25X reward points on BPCL fuel purchases (up to 2,500 points per month).
• Enjoy 4 free visits to domestic airport lounges every year.
• Get fraud protection cover up to ₹1 lakh.

• 1,500 reward points as a welcome gift (worth ₹1,500).
• Up to 10% value back on IRCTC train ticket bookings.
• Milestone rewards on annual travel spends (up to 7,500 points).
• Complimentary rail accident insurance cover of up to ₹10 lakh.
• 1% fuel surcharge waiver on eligible fuel spends.
• 8 complimentary railway lounge visits per year (max 2 per quarter).

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

• Domestic flight discount is valid on bookings of Rs. 5,000 or more.
• International flight discount is valid on bookings of Rs. 40,000 or more.
• Hotel booking discount is valid on a minimum spend of Rs. 3,000, with a maximum discount of Rs. 2,000.
• Welcome benefits are applicable only after the first year’s annual fee is paid.
• Reward points are capped at 5,000 points per month for both international and select category spends.

• 3X reward points on every Rs. 100 spent at Apollo services
• Up to 10% instant discount on select Apollo services
• Complimentary Apollo Gold Tier Membership
• 1% fuel surcharge waiver at all petrol pumps (on transactions Rs. 500–3,000)
• Annual fee waiver on spending Rs. 90,000 in a year

15 Reward Points/₹100 on Air India tickets booked through airindia.in or mobile app
5 Reward Points/₹100 on dining, groceries, fuel
1 Reward Point/₹100 on other spends
Reward Points can be converted into Flying Returns miles
Foreign currency markup: 3.5%

Earn 10% value back (Fabfamily Rewards) on Fabindia spends
Earn 3 RP/₹100 on dining, movies, and grocery
Earn 2 RP/₹100 on all other spends
1% fuel surcharge waiver (₹500–₹3,000 per transaction)
Annual fee waived on ₹1L spend

10% savings on groceries at Nature’s Basket stores and website
Complimentary domestic lounge access
2,000 bonus reward points on annual milestone spends
Fuel surcharge waiver on ₹500–₹3,000 transactions
5% savings on select online grocery platforms

5% cashback on Amazon, Flipkart, Swiggy, Zomato, and Uber
1% cashback on all other online and offline spends
Contactless payment feature
Fuel surcharge waiver
₹1,000 renewal fee waived on ₹1L annual spend

• 4 Reward Points on every ₹150 spent online
  2 Reward Points on every ₹150 spent offline
  Redeem rewards as cashback or gifts via SmartBuy
  Milestone benefit: ₹500 voucher on ₹50,000 annual spend
  Fuel surcharge waiver

• 10X reward points on Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart Superstore
• 5X reward points on EMI spends
• 2 reward points on all other spends (₹150 = 2 points)
• 1% fuel surcharge waiver
  • Milestone reward of ₹500 voucher on ₹50,000 annual spend

• Complimentary Club Marriott membership for 1 year (up to 20% off on dining/stays)
• 12 complimentary domestic & international lounge visits per year
• Monthly milestone benefit: Free Zomato Gold, Amazon Prime, or Tata CLiQ voucher worth ₹500 on monthly spend of ₹40,000
• 2X rewards on weekend dining, shopping, and travel spends

Fuel surcharge waiver and easy EMI options

• 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

• 6 InterMiles on every ₹150 spent on InterMiles.com (flights, hotels)
• 3 InterMiles per ₹150 on all other spends
• 8 complimentary domestic lounge visits per year (2/quarter)
• Free InterMiles Silver Tier Membership (upgradeable with usage)
• Spend-linked milestone rewards and discounts on travel partners

• 5% 6E Rewards on IndiGo flight bookings via 6ERewards.in
• 3% 6E Rewards on dining, grocery, and entertainment
• 2% 6E Rewards on other spends
• 8 complimentary domestic lounge accesses per year
• IndiGo benefits: Priority check-in, choice of seat, faster baggage delivery
• Spend milestone: Flight voucher worth ₹1,000 every ₹1.5 lakh spent

• Earn up to 5% fuel points on IndianOil transactions
• Additional fuel points on groceries and bill payments
• 1% fuel surcharge waiver on IndianOil outlets
• Easy EMI options and cashback redemption
• Renewal fee waived on annual spends of ₹50,000
• Accepted at over 50,000 IndianOil fuel stations

• 4 Reward Points per ₹150 spent on retail transactions
• 6 complimentary airport lounge accesses (domestic & international via Priority Pass)
• Comprehensive travel insurance coverage
• Spend-based milestone benefits
• Low forex markup of 2% on international spends
• Renewal fee waived on ₹3 lakh annual spend

• Buy 1 Get 1 Free movie tickets (up to ₹250/month) via BookMyShow
• Up to 25% off on dining bills at select restaurants via Dineout or partner networks
• Exclusive lifestyle discounts (spa, salon, shopping)
• Spend-based renewal fee waiver
• Accepted widely across India for lifestyle purchases

• ₹250 joining fee
• Exclusive partner offers on Amazon, Zomato, Blinkit, Myntra
• Free Zee5 subscription
• Axis Bank dining delights – 15% off on select restaurants
• 1% fuel surcharge waiver on spends between ₹400 and ₹4,000

• ₹500 annual fee
• Buy 1 Get 1 free movie ticket (up to ₹200/month via Paytm)
• 40% off on Swiggy orders (max ₹120/month)
• Complimentary SonyLIV Premium Annual Subscription
• Fuel surcharge waiver (1% on transactions ₹400–₹4,000)
• 15% off via Axis Bank Dining Delights

• 20,000 bonus EDGE reward points on card activation
• Complimentary airport lounge visits (domestic & international)
• Up to 2x EDGE Rewards on eligible spends
• Complimentary rounds of golf every year
• Milestone benefits on annual spends
• Dining privileges with EazyDiner