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.
Kotak Privy League Signature Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹2500 + Tax
Kotak IndiGo 6E Rewards Credit Card
Joining Fee
₹700 + Tax
Renewal Fee
₹700 + Tax
IndusInd Bank Legend Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Activation benefits from Luxe gift card, Montblanc, Post Card and vouchagram.
- Rewards: Earn points on all spends, extra on weekends, and milestone bonuses.
- Welcome Gifts: Activation benefits from Luxe, Montblanc, Post Card, and Vouchagram.
- Travel & Lounge: Complimentary Priority Pass access to 600+ lounges, low 1.8% forex fee.
- Movies & Lifestyle: Buy 1 Get 1 free movie tickets, discounts on food, concierge, and auto-assist services.
- Protection: Personal air accident insurance up to ₹25 lakh and coverage for unauthorized transactions.
- Fuel Waiver: 1% fuel surcharge waiver up to ₹100 per month.
IndusInd Bank Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Luxe Gift Card and vouchers of top brands, including The Postcard Hotel, Montblanc, Amazon, Flipkart, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, and more.
- Lifetime free credit card
- Earn reward points on all transactions, including UPI spends (RuPay variant)
- Redeem points for cashback, airline miles, or rewards catalogue items
- Fuel surcharge waiver on petrol purchases
- Welcome gift vouchers from top brands
- Travel insurance coverage up to ₹25 lakh
WorldMiles Credit Card
Joining Fee
₹15000 + Tax
Renewal Fee
₹0 + Tax
IndusInd Bank Pinnacle World Credit Card
Joining Fee
₹15000 + Tax
Renewal Fee
₹0 + Tax
EazyDiner IndusInd Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
RBL Bank Cookies Credit Card
Joining Fee
₹100 + Tax
Renewal Fee
₹100 + Tax
Welcome Benefits
Voucher worth Rs. 1,000 that is redeemable on Amazon, Myntra, Croma, Flipkart or Shoppers Stop.
- Annual Fee: Rs. 500 (waived on spending Rs. 1 lakh annually)
- Monthly Fee: Rs. 50 (waived on monthly spends of Rs. 5,000)
- Cashback: 10% on Myntra, Zomato & Uber spends
- Movie Benefits: Up to Rs. 300 off per month on BookMyShow (max Rs. 3,600 per year)
- Milestone Benefits: Worth up to Rs. 6,000 annually
- Rewards: 5X points online, 1X points offline (exclusions apply)
- Reward Value: 1 RP = up to Rs. 0.20
Standard Chartered Platinum Rewards Credit Card
Joining Fee
₹250 + Tax
Renewal Fee
₹250 + Tax
Welcome Benefits
Joining fee waiver on spending Rs. 500 or more within 30 days of card issuance1
- 5 reward points per Rs. 150 spent on dining and fuel, with no monthly cap
- 1 reward point per Rs. 150 spent on other categories
- Reward points redeemable at Rs. 0.25 per point
- Joining fee of Rs. 250 waived on spending Rs. 500 within 30 days
- Instant approval without documentation
- Contactless card for faster and convenient payments
Standard Chartered Rewards Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1000 + Tax
- Up to 8X reward points on retail spends (4X base + 4X bonus on spends above Rs. 20,000/month)
- 1X reward point on insurance and government payments
- Bonus 4X rewards capped at 2,000 points per month
- 4 complimentary domestic airport lounge visits per year (1 per quarter)
- 1% fuel surcharge waiver up to Rs. 400 per month on fuel spends of Rs. 400–2,000
- Renewal fee reversal on spending Rs. 1.5 lakh in the previous year
Standard Chartered Priority Visa Infinite Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- 5 reward points per Rs. 100 on international and retail spends
- 2 reward points per Rs. 100 on other categories
- 4 complimentary domestic lounge visits per quarter
- 2 complimentary international lounge visits per month via Priority Pass
- Overseas air accident cover up to Rs. 1 Crore
- Medical insurance coverage worth USD 25,000
- Lifetime free for Priority Banking customers
Standard Chartered DigiSmart Credit Card
Joining Fee
₹49 + Tax
Renewal Fee
₹49 + Tax
- Ola: 15% cashback (up to ₹600/month) on cab rides.
- Myntra: 20% discount (up to ₹700/month).
- Grofers (Blinkit): 10% off (up to ₹1,000/month) with code DIGISMART.
- Zomato: 10% discount (up to ₹150/transaction, 5 transactions/month) with code DIGISMART.
- INOX: Buy 1 Get 1 free movie tickets on weekends (2 times/month, max ₹200/transaction).
- Yatra: Up to 25% off on travel and hotel bookings.
IRCTC BoB Rupay Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹300 + Tax
Welcome Benefits
1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance
- Joining Benefit: 1,000 bonus reward points on a transaction of Rs. 1,000+ within 45 days
- Rewards: Up to 40 points per Rs. 100 on IRCTC bookings; 4 points per Rs. 100 on groceries; 2 points per Rs. 100 on other spends
- Lounge Access: 4 railway lounges per year
- EMI Option: Convert Rs. 2,500+ purchases into 6–36 month EMIs
- Fuel Benefit: 1% surcharge waiver on fuel transactions Rs. 500–3,000 (max Rs. 100/month)
- Add-On Cards: Up to 3 lifetime free cards
- Zero Lost Card Liability: Immediate reporting ensures no fraud liability
Bank of Baroda Empower Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
500 reward points on spending Rs. 5,000 within 60 days of card issuance.
- No joining fee
- 1 reward point for every Rs. 100 spent
- Reward points redeemable for cashback
- Accidental death cover up to Rs. 15 lakh
- 1% fuel surcharge waiver on fuel spends
- Annual fee waived on meeting spend criteria
ICICI Platinum Chip Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Earn PAYBACK Points on every transaction with your ICICI Bank Platinum Chip Credit Card.
- Earn 2 Reward Points for every Rs. 100 spent on retail transactions.
- Earn 1 Reward Point for every Rs. 100 spent on insurance and utility payments.
- 1% fuel surcharge waiver at HPCL petrol pumps on fuel transactions of Rs. 400 to Rs. 4,000.
- Enjoy up to 15% discount on dining through the ICICI Bank Culinary Treats Programme.
- Annual fee waiver available on meeting spend criteria.