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.
Emirates Skywards Rubyx Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Welcome Benefits
Complimentary Emirates Blue Tier Membership on joining.
- Earn up to 1.5 Skywards Miles on every Rs. 100 spent
- Redeem Skywards Miles for flights and travel bookings on Emirates.com
- Complimentary domestic airport lounge access
- 25% off on movie tickets via BookMyShow
- Enjoy exclusive dining discounts and offers
- 1% fuel surcharge waiver on all fuel transactions
Kotak UPI RuPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
HDFC Bank Easy EMI Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
00 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.
- Cashback: 5% on select online spends, 2.5% on other online spends, 1% on offline/wallet.
- EasyEMI: Convert spends above Rs.10,000 into 9-month EMI.
- Welcome Benefit: 500 CashPoints + Rs.1,000 gift vouchers on spending Rs.1,00,000 per quarter (first year).
- Annual/Renewal Fee Waiver: Spend milestones (Rs.20,000 & Rs.50,000) waive fees.
- Fuel Surcharge Waiver: 1% on transactions of Rs.400–Rs.5,000.
- Redemption: CashPoints can be used against statement balance, flights, hotels, and rewards catalogue.
Air India SBI Platinum Credit Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Welcome Benefits
Enjoy 5,000 reward points as a welcome gift on joining. Points will be credited within 15 days of annual fee payment.
- 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%
Axis My Zone Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
Get complimentary 1-year SonyLIV Premium subscription on card activation within 30 days of issuance.
- ₹500 annual fee
- Buy 1 Get 1 free movie ticket (up to ₹200/month via District by Zomato)
- Rs. 120 off on Swiggy orders (twice a month)
- Complimentary SonyLIV Premium annual subscription
- Fuel surcharge waiver (1% on transactions ₹400–₹4,000)
- 15% off on dining via Axis Bank Dining Delights (up to ₹500/month)
ICICI Rubyx Visa Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹2000 + Tax
Welcome Benefits
Vouchers worth Rs. 5,250 from top brands like Croma, Uber, EaseMyTrip, and Tata CLiQ on joining fee payment1
- Save up to ₹3,600 annually on movie tickets at BookMyShow & INOX.
- Annual fee waiver on achieving minimum spend condition.
- 8 complimentary visits each to domestic airport and railway lounges every year.
- Unlimited reward points with milestone bonus rewards for higher spends.
- Enjoy complimentary golf games and lifestyle privileges.
- Accelerated rewards on international transactions.