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.
IRCTC SBI Premier Credit Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Welcome Benefits
- Get 1500 RP equivalent to Rs. 1500 on payment of first annual fee.
- Customers gets welcome gift more than the cost of joining fee.
- 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).
Axis Bank AURA Credit Card
Joining Fee
₹749 + Tax
Renewal Fee
₹749 + Tax
Axis Bank Pride Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹250 + Tax
Axis Bank Pride Signature Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹500 + Tax
Axis Bank Reserve Credit Card
Joining Fee
₹50000 + Tax
Renewal Fee
₹50000 + Tax
SBI Reliance Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
₹500 Reliance Retail voucher on activation.
Extra discount vouchers worth ₹3,200 for use at selected Reliance stores.
- Can be redeemed only in general merchandise and fashion categories.
- Milestone benefits are based only on spends at participating Reliance Retail stores.
- Activation vouchers:
- Reliance Trends: Valid on apparel & footwear.
- Netmeds: Valid on online purchase of pharma/prescription products.
- No rewards on fuel, property rental, or wallet reload transactions.
- Fuel surcharge waiver applies to transactions between ₹500 and ₹4,000.
SPAR SBI Card PRIME
Joining Fee
₹2999 + Tax
Renewal Fee
₹2999 + Tax
Welcome Benefits
Get 12,000 bonus reward points valued at ₹3,000 upon payment of the annual fee.
- Annual fee of ₹2,999.
- Earn up to 15 reward points on retail spends.
- Get 12,000 bonus reward points as a welcome gift.
- Includes Priority Pass membership with 4 free visits annually.
- Enjoy 8 free domestic lounge accesses per year.
- Earn up to 58,000 reward points through milestone benefits.
Etihad Guest SBI Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Welcome Benefits
2,500 Bonus Etihad Guest Miles within 30 days of joining fee payment
Complimentary Etihad Guest Silver Tier Status1
1 free WiFi voucher on your first Etihad Airways flight booking
- Etihad Guest membership lets you earn both Tier Miles and Guest Miles, with a cap of 20,000 Tier Miles per year.
- No Guest Miles are earned on financial charges, balance transfers, rent payments, fuel, or government transactions.
- You can get a fuel surcharge waiver of up to ₹250 per statement cycle.
Etihad Guest SBI Premier Card
Joining Fee
₹4999 + Tax
Renewal Fee
₹4999 + Tax
Welcome Benefits
5,000 Bonus Etihad Guest Miles within 30 days of joining fee payment
Complimentary Etihad Guest Gold Tier Status1
2 free WiFi vouchers on your first Etihad Airways flight booking
- Earn Etihad Guest Miles plus Tier Miles (up to 40,000 Tier Miles annually)
- No miles earned on financial charges, balance transfers, rent payments, fuel, and government transactions
- Fuel surcharge waiver of up to ₹250 per statement cycle
MakeMyTrip ICICI Platinum Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Rs. 500 worth My Cash; MMT holiday voucher worth Rs. 3,000
- Co-branded travel card in partnership with MakeMyTrip.
- 1 complimentary airport or railway lounge access per quarter.
- Earn 2 My Cash on flight bookings via MMT.
- Earn 3 My Cash on hotel bookings via MMT.
- 1 My Cash on every ₹200 spent domestically.
- 1.25 My Cash on every ₹200 spent internationally.
- 1% fuel surcharge waiver at HPCL pumps.
- Best suited for frequent travelers booking via MakeMyTrip.
ICICI Bank HPCL Super Saver Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
2,000 reward points on card activation and payment of joining fee.
- Welcome benefit: 2,000 reward points on paying joining fee and spending Rs. 5,000 in first 45 days.
- Rs. 100 cashback on first purchase via HPPay wallet.
- 5% savings on fuel at HPCL (4% cashback + 1% fuel surcharge waiver; cashback capped at Rs. 200/month).
- Extra 1.5% cashback on HPCL fuel when using HP Pay app.
- 5% cashback (as reward points) on utilities, groceries, and departmental store purchases.
- 2 reward points per Rs. 100 on all other spends.
- Complimentary 24×7 Roadside Assistance Service (RAS).
- Complimentary domestic airport lounge access.
- 25% off on movie tickets on BookMyShow and INOX (max Rs. 100 per transaction).
- Discounts at partner restaurants through ICICI Bank Culinary Treats Program.
Emirates Skywards ICICI Bank Sapphiro
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Welcome Benefits
Complimentary Emirates Silver Tier Membership & 5,000 Skywards Miles on the payment of joining fee
- Welcome benefit: 5,000 bonus Skywards Miles
- Complimentary Emirates Skywards Silver Tier membership
- Earn up to 2 Skywards Miles per Rs. 100 spent
- Complimentary domestic and international airport lounge access
- Buy 1 Get 1 Free movie tickets via BookMyShow
- Discounts on dining bills through the ICICI Culinary Treats Programme
- 1% fuel surcharge waiver
Kotak League Platinum Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Reward points worth Rs. 500 after the payment of joining fee.
- Earn 8 reward points on every Rs. 150 spent.
- Welcome bonus of 5,000 reward points worth Rs. 500 on joining.
- Fuel surcharge waiver up to Rs. 3,500 per year.
- Railway surcharge waiver up to Rs. 500 per year.
- Milestone benefits: 4 free PVR tickets or 10,000 reward points on spending Rs. 1.25 lakh every six months.
Kotak Mojo Platinum Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Welcome Benefits
Joining fee waived on spending Rs. 30,000 within 90 days
- Earn 2,500 Mojo points per quarter on spending Rs. 75,000 (first year only)
- 2 complimentary visits per quarter to DreamFolks lounges in India
- Joining fee waived on spending Rs. 30,000 within 90 days
- Annual fee waived on spending Rs. 1 lakh in a year
- 1% fuel surcharge waiver, up to Rs. 3,500 per year
- Railway surcharge waiver: 1.8% on IRCTC spends, 2.5% at Indian Railways counters
- Uncapped Mojo points on every spend: 2.5 points for online, 1 point for other spends
Kotak Zen Signature Credit Card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Welcome Benefits
1,500 Zen points on joining fee payment
- From 1st June 2025, the following spends will not earn reward points:
- Utility bills above Rs. 50,000 per month
- Education spends above Rs. 70,000 per month
- Government transactions above Rs. 40,000 per month
- Insurance spends above Rs. 70,000 per month
- Wallet loads, rent, fuel, and online gaming
- Lifetime free Zen Signature cardholders must spend at least Rs. 60,000 per quarter to get 2 free domestic lounge visits.
- International transactions must be activated to access international lounges.
- Railway surcharge waiver is capped at Rs. 500 per year.
- From 1st June 2025, a 1% transaction fee will apply on:
- Wallet loads & online gaming above Rs. 10,000 per month
- Utility spends above Rs. 50,000 per month
- Fuel spends above Rs. 35,000 per month