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.
RBL Bank Popcorn Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Welcome Benefits
Cardholders get welcome benefits from BookMyShow worth Rs.1000. The benefit can be used in two transactions of Rs.500 each with a maximum of 2 tickets in each transaction.
- Welcome voucher: Rs. 1,000 on BookMyShow
- Weekly cashback: Rs. 25 on Rs. 2,500 spend
- Movie discounts: Rs. 500 or 2 tickets per month
- Fuel surcharge waiver: Rs. 100 per month
- Accepted worldwide
AU Bank Altura Plus Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Vouchers worth Rs.500 on minimum Rs.10,000 retail spend done within 60 days of card setup.
- Receive ₹500 worth of vouchers on spending ₹10,000 or more within the first 60 days of card issuance.
- Earn 2x reward points on every ₹100 spent on online purchases.
- Get 1.5% cashback on transactions at merchant outlets.
- Earn 1 reward point for every ₹100 spent on retail purchases.
- Enjoy 500 bonus reward points on monthly spends of ₹20,000.
AU Bank Xcite Ultra Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Earn 500 additional Reward Points every month
- Up to 8 Reward Points on every ₹100 spent on domestic transactions
- Up to 12 Reward Points on every ₹100 spent on international transactions
- 5,000 bonus Reward Points on achieving milestone spends
- Complimentary railway and airport lounge access
- Personal accident cover worth ₹50 lakhs
- 1% fuel surcharge waiver on all fuel purchases
- Access to dedicated concierge services
Federal Bank Visa Signet Credit Card
Joining Fee
₹750 + Tax
Renewal Fee
₹750 + Tax
Welcome Benefits
Amazon Pay e-Voucher worth Rs. 500 on a minimum spend of Rs. 3,000 in the first 30 days.
- Lifetime free or low annual fee card (Rs. 750)
- Earn up to 3X rewards on selected categories (electronics, apparel, entertainment)
- Welcome benefit: Amazon Pay e-voucher worth Rs. 200 on minimum spend of Rs. 3,000
- Milestone benefit: Complimentary Swiggy vouchers on spending Rs. 20,000 in a quarter
- Buy One Get One (BOGO) movie tickets at INOX, once per quarter
- Complimentary domestic airport lounge access once per quarter on minimum spend
- 15% dining discount under the FedDelights program
- Low Annual Percentage Rate (APR) starting at 0.69% per month (8.28% p.a.)
Apollo SBI Card Select
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
- Earn 10 reward points per ₹100 spent at Apollo 24/7 & Apollo Pharmacy
- Reward points redeemable 1:1 as Apollo Health Credits
- Complimentary Apollo Gold Tier Membership & annual health check-up
- Noise Smartwatch worth ₹7,999 on ₹6 Lakh annual spends
- 1% fuel surcharge waiver across all petrol pumps
- Annual fee waiver on ₹90,000 yearly spends
- Complimentary FITPASS PRO membership for 1 year
- Ideal for health-conscious individuals with regular Apollo spends
HDFC Diners Club Privilege Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
Welcome Benefits
Get free memberships like Amazon Prime, Swiggy One, and more on spending ₹75,000 within 90 days of card issuance.
- Transactions not eligible for reward points: Fuel, cash advances, payment of outstanding balance, card fees & charges, and Smart EMI/Dial an EMI.
- Reward caps:
- Insurance, utility, and telecom spends – maximum 2,000 reward points per day (per category).
- Grocery spends – maximum 2,000 reward points per calendar month.
- Overall monthly cap – 50,000 reward points per statement cycle.
- Zomato & Swiggy 5X Rewards:
- Out of 5X, the extra 4X is capped at 2,500 reward points per month.
- Remaining 1X rewards have no cap.
- Applicable only on minimum transactions of ₹150.
- Reward Redemption Rules:
- Maximum 70% of travel bookings (flights, hotels, experiences) can be paid via reward points, capped at 50,000 points/month.
- Cashback redemption against statement balance capped at 50,000 points/month.
- Activation Benefit: Available only on spends of ₹75,000 within 90 days of card issuance.
6E Rewards XL IndiGo HDFC Bank Credit Card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Welcome Benefits
Complimentary ₹3,000 flight voucher and 6E Prime add-on on 3 monthly transactions for 3 months.
- 5% 6E Rewards on IndiGo flight bookings via 6ERewards.in
- 3% 6E Rewards on dining, grocery, and entertainment
- 2% 6E Rewards on other spends
- 8 complimentary domestic lounge accesses per year
- IndiGo benefits: Priority check-in, choice of seat, faster baggage delivery
- Spend milestone: Flight voucher worth ₹1,000 every ₹1.5 lakh spent
IndusInd Bank ePay Amex Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Canara Bank RuPay Classic Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Lifetime-free card with no joining fee.
- Earn Reward Points on every transaction, making each purchase rewarding.
- Enjoy up to 50 days of interest-free credit on purchases.
- Option to convert purchases into easy EMIs via the Canara ai1 app.
- Cash withdrawal facility available at ATMs.
Canara Bank Mastercard World Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Lifetime-free credit card with zero joining or renewal fees.
- 2 Reward Points per ₹100 spent on POS and e-commerce transactions.
- Complimentary domestic lounge access: 3 self + 2 guests per quarter.
- Complimentary international lounge access: 2 self + 2 guests per year.
- Interest-free credit period up to 50 days and easy EMI conversion.
- Domestic & international acceptance with wide usability.
- Insurance coverage for baggage loss, accidents, and fraudulent charges.
Federal Bank Imperio Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Complimentary vouchers for brands like Amazon Pay or Big Basket
- Lifetime free or low annual fee credit card
- Earn reward points on selected categories: 3X on Health & Grocery, 2X on Utilities, 1X on all other spends
- Welcome benefit: Amazon Pay e-voucher worth Rs. 400 on spending Rs. 5,000 within 30 days
- Milestone benefits: Big Basket vouchers on quarterly spends of Rs. 50,000
- Fuel benefit: 1% fuel surcharge waiver at all fuel stations in India
- Entertainment benefit: Buy 1 Get 1 free INOX movie ticket
IDFC FIRST Bank Select Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- 10X reward points on all birthday transactions
- 1 reward point for every ₹100 spent
- Complimentary domestic airport lounge access
- Up to 20% discount at 1,500+ restaurants across India
IDFC First Bank Mayura Credit Card
Joining Fee
₹5999 + Tax
Renewal Fee
₹5999 + Tax
Welcome Benefits
Get ₹4,000 cashback on 4 spends of ₹1,000+ and 5,000 bonus reward points on card delivery.
- Get 5,000 reward points on payment of the joining fee.
- Earn ₹1,000 cashback up to 4 times on transactions above ₹1,000 within 60 days of virtual card setup (joining fee must be paid).
- Zero forex mark-up fee on international transactions.
- Earn 5X reward points on monthly spends below ₹20,000.
- Earn 10X reward points on monthly spends above ₹20,000 or on your birthday.
Air India SBI Signature Credit Card
Joining Fee
₹4999 + Tax
Renewal Fee
₹4999 + Tax
Welcome Benefits
- 20,000 Reward Points as welcome gift (on joining)
- 1 Reward Point = 1 Air India Flying Return mile
- Automatic Flying Returns membership
- Earn 30 Reward Points per ₹100 on Air India bookings made via airindia.in or the Air India app
- 4 complimentary domestic airport lounge visits per quarter
- Lounge access at select MasterCard & Visa lounges across India
- Convert reward points to Air India Flying Returns miles
- Low 1.99% foreign currency markup on international transactions
HDFC Bank Diners ClubMiles Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
- Earn 4 Reward Points on every ₹150 spent (1 RP = 1 Air Mile or ₹0.50)
- Redeem points with leading airlines like British Airways, InterMiles, KrisFlyer, and Club Vistara
- Enjoy 6 complimentary airport lounge visits at 1,000+ lounges worldwide
- Get up to 15% discount at 1,400+ premium restaurants globally
- Convert reward points into air miles for easy travel redemptions
- Annual fee waived on spends of ₹1 lakh in a calendar year
- Travel concierge service for flight, hotel, and dining bookings
- Insurance coverage including ₹1 crore air accident cover, ₹25 lakh emergency medical cover, ₹9 lakh credit liability, and ₹50,000 baggage delay cover