Best Reward Points Credit Cards in 2025
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.
Spar SBI Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Earn 2,000 bonus reward points valued at ₹500 upon payment of the annual fee.
- Annual fee of ₹499.
- Earn 2,000 bonus reward points on joining fee payment.
- Get 5 reward points on every ₹100 spent at Landmark stores or websites.
- Earn up to 16,000 reward points through milestone benefits.
Kotak White Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
Bank of Baroda CMA One Credit Card
Joining Fee
₹1 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Free 6 months FitPass Pro membership worth Rs.15,000 as welcome gift.
- Joining Fee: Re. 1 | Annual Fee: Nil
- Rewards: 5 points per Rs. 100 on dining, online, and utility bill payments
- Bonus Rewards: 1,000 points on 5 transactions of Rs. 1,000 or more per month
- Lounge Access: 12 free domestic airport lounges per year (spend Rs. 40,000 in the previous quarter)
- Forex Benefit: Low mark-up fee of 2% on international spends
- Welcome Benefit: Free 6-month FitPass Pro membership worth Rs. 15,000
- Add-On Cards: Up to 3 lifetime free add-on cards
Bank of Baroda ConQR Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Max SBI Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Get 2,000 bonus reward points worth Rs. 500 when you pay the joining fee within 30 days of fee payment.
- Earn 2,000 bonus reward points when you pay the annual fee.
- Enjoy milestone rewards up to 16,000 points worth Rs. 4,000 on your annual spends.
- Get a 1% fuel surcharge waiver at petrol stations across India.
- Earn 5 reward points per Rs. 100 spent at Landmark stores, dining, and movies.
- Redeem your rewards instantly at Landmark stores for easy savings.
HDFC Business Regalia Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
- Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, wallet reloads).
- Bonus reward points on annual spends: 10,000 on ₹5L, 5,000 on ₹8L.
- Redeem points for cash credit, flights, or hotels.
- 5% cashback on essential business spends (capped at ₹500/month).
- Complimentary Priority Pass membership with 6 international & 12 domestic lounge visits.
- Low forex markup fee of 2%.
- Complimentary insurance: air accident, overseas hospitalization, flight delay, and missed connecting flight.
- 1% fuel surcharge waiver (max ₹500/month).
Kotak Corporate Wealth Signature Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Standard Chartered Ultimate Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Welcome Benefits
6,000 bonus reward points worth Rs. 6,000 on card activation.
- 5 reward points for every Rs. 150 spent; 3 reward points for Rs. 150 on utilities, supermarkets, insurance, property management, schools & government payments
- 1 reward point = Rs. 1, redeemable via Standard Chartered 360° Rewards portal
- Welcome benefit: 6,000 bonus reward points on card activation; Renewal benefit: 5,000 bonus reward points
- Low forex mark-up of 2% on international spends
- 5% cashback on duty-free purchases (up to Rs. 1,000 per statement cycle)
- Lounge access: 1 free visit per month (on Rs. 20,000 spends), 4 complimentary domestic lounge visits per quarter, Priority Pass membership worth $99
- Golf benefits: 1 complimentary golf game per month at premier golf courses in India
Axis Vistara Signature Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
Welcome Benefits
Get 1 Vistara Premium Economy Ticket & Club Vistara Silver Membership.
- Up to 5 complimentary Premium Economy tickets per year (welcome + milestone benefits)
- 4 CV Points per Rs. 200 spent across all eligible categories
- Complimentary Club Vistara Silver membership
- Lounge access: 2 domestic visits per quarter on minimum spends
- Dining discounts: 25% off up to Rs. 800 via EazyDiner
- 3 complimentary golf rounds per year
- Travel insurance coverage on purchases, lost card, baggage, and travel delays
SBI Shaurya Select Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1499 + Tax
- 10X reward points on every ₹100 spent on departmental stores, dining, groceries, and movies.
- Extra reward points based on spending.
- Complimentary ₹10 lakh Personal Accident Cover.
- 1% fuel surcharge waiver.
- 24x7 concierge services.
HDFC Bank Titanium Times Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
E-gift vouchers worth Rs. 5,000.
- Welcome benefit: e-gift vouchers worth Rs. 5,000.
- Reward points: 2 points per Rs. 150 spent; 5 points per Rs. 150 on weekday dining.
- Movie offers: 25% discount on BookMyShow tickets.
- Annual fee waiver: Spend Rs. 1,50,000 in a year.
- Additional discounts: Up to 35% on select restaurants via Dineout, 20% on travel & shopping.
- Contactless payment enabled.
ICICI Sapphiro Premium Credit Card
Joining Fee
₹6500 + Tax
Renewal Fee
₹3500 + Tax
Welcome Benefits
Get shopping and travel vouchers worth ₹9,000 as a welcome benefit.
- Joining Benefits – Shopping & travel vouchers worth ₹9,000+.
- 4 Reward Points per ₹100 on international spends.
- 2 Reward Points per ₹100 on domestic spends.
- 1 Reward Point per ₹100 on insurance & utility spends.
- Milestone Rewards – Earn up to 20,000 bonus Reward Points annually.
- Movie Benefits – Enjoy Buy 1 Get 1 Free (BOGO) on BookMyShow.
- Lounge Access – Complimentary domestic & international lounge access.
- Golf Privileges – Up to 4 complimentary golf sessions per month at premium golf courses worldwide.
Kotak Veer Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹299 + Tax
Welcome Benefits
500 reward points on spending Rs. 500 within the first 30 days of card issuance.
- Welcome Bonus: 500 reward points on spending Rs. 500 in the first 30 days
- Reward Points: 6 points per Rs. 200 on dining, movies, grocery, and departmental stores; 2 points per Rs. 200 on other spends; 1 point = Rs. 0.20
- Fuel Surcharge Waiver: 1% waiver at fuel stations across India
- Railway Surcharge Waiver: 1.8% on IRCTC and 2.5% at Indian Railways counters
- Add-on Card: Free add-on card with same benefits
- Security: EMV chip and 6-digit PIN for safe transactions
- Card Insurance: Cover of Rs. 1,25,000 against fraud if reported within 7 days
SBI Bank Pulse Credit Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Welcome Benefits
Get Exclusive Benefits Worth ₹7,999 with Noise ColorFit Pulse 4 Pro Smartwatch
- 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.
SBI SimplySAVE Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Get 2,000 bonus reward points on spending ₹2,000 or more within 60 days of card issuance.
- 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