Best Reward Points Credit Cards in India for 2026

Joining Fee: Rs. 2999 + GST

Annual Fee: Rs. 2999 + GST

Key Features and Benefits:

• Earn 20 reward points per ₹100 on birthday spends
• Earn 10 reward points per ₹100 on dining, groceries, departmental stores and movies
• Earn 2 reward points per ₹100 on other spends (excluding fuel)
• Get a ₹3,000 welcome voucher from brands like Bata, Hush Puppies, Yatra, Pantaloons and Shoppers Stop
• Get complimentary Club Vistara Silver membership
• Enjoy 4 international and 8 domestic lounge visits per year (max 2 per quarter)
• Earn 9 Club Vistara points per ₹100 on Vistara flight bookings

Joining Fee: Rs. 2500 + GST

Annual Fee: Rs. 2500 + GST

Key Features and Benefits:

• Get 4 Reward Points per Rs. 150 spent across all categories including insurance, utilities, and education
• Get 20 Reward Points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
• 1 Reward Point = Rs. 0.65 against Exclusive Gold Catalogue
• 1 Reward Point = Rs. 0.50 for Flights and Hotel Bookings
• 1 Reward Point = 0.5 Airmile
• 1 Reward Point = Up to Rs. 0.35 against Products and Voucher Purchase
• 1 Reward Point = Rs. 0.20 as Cashback/Statement Balance
• Get 12 complimentary domestic airport lounge visits
• Get 6 complimentary international lounge visits via Priority Pass for primary and add-on member*
• Spend Rs. 1.5 Lakh and get Rs. 1,500 voucher from Myntra, Marriott, M&S or Reliance Digital
• Spend Rs. 5 Lakh and get Rs. 5,000 flight voucher
• Spend Rs. 7.5 Lakh and get additional Rs. 5,000 flight voucher

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

Joining Fee: Rs. 1000 + GST

Annual Fee: Rs. 1000 + GST

Key Features and Benefits:

• Get 5,000 EDGE Reward points on spending ₹1,000 within 30 days of card issuance
• Earn 2 EDGE Reward points per ₹125 on regular spends
• Get 20 EDGE Reward points per ₹125 on department stores and apparel
• 5 or 10 EDGE Reward points = 1 partner point
• Earn 1,500 EDGE Reward points on spending ₹30,000 in a statement cycle
• Get membership benefits worth ₹1,000 every year
• Up to 30% off on Swiggy (twice a month on orders above ₹200)
• Up to 15% discount at partner restaurants via Dining Delights Program
• 2 complimentary domestic lounge visits every quarter
• 1% fuel surcharge waiver (up to ₹400 per month) on transactions between ₹400 and ₹5,000

Joining Fee: Rs. 3000 + GST

Annual Fee: Rs. 3000 + GST

Key Features and Benefits:

• Earn 10 EDGE reward points on every Rs. 200 spent
• Earn 20 EDGE reward points per Rs. 200 spent on retail transactions
• Get redemption value of 1 EDGE reward point = Re. 0.20
• Get 10,000 EDGE reward points worth Rs. 2,000 on the first transaction within 30 days of card issuance
• Earn 5,000 EDGE reward points on spending Rs. 3 Lakh in a card anniversary year
• Save 20% in a month on BigBasket on a minimum transaction value of Rs. 3,000
• Save Rs. 200, twice a month on Swiggy on a minimum order value of Rs. 1,000
• Enjoy 6 complimentary international lounge visits per calendar year
• Enjoy additional 6 international lounge visits by spending Rs. 3 Lakh or more in a calendar year
• Enjoy 2 complimentary domestic lounge visits per quarter on spending Rs. 50,000 in the previous quarter
• Enjoy 6 complimentary golf rounds per year and get additional 6 visits on spending Rs. 3 Lakh annually

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

• Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket
• Earn 5X CashPoints on EMI spends at merchant locations
• Earn 2 CashPoints per Rs. 150 spent on other categories
• Get redemption value of 1 CashPoint = Re. 0.25
• Get 500 CashPoints on payment of joining fee and renewal fee
• Get gift voucher worth Rs. 500 on reaching quarterly spends of Rs. 50,000 or more
• Save 1% fuel surcharge (maximum Rs. 250 per month) on transactions between Rs. 400 and Rs. 5,000