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.
Snapdeal HDFC Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
Receive Snapdeal vouchers worth Rs.2,000 as a welcome gift.
- Welcome gift: Snapdeal vouchers worth Rs. 2,000 + 500 reward points.
- 5% discount on Snapdeal purchases.
- Earn 2 reward points for every Rs. 150 spent.
- Reduced fuel surcharge of 1% instead of 2.5%.
- Low annual fee of Rs. 500.
American Express Platinum Travel Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Welcome Benefits
You can earn 10,000 bonus Membership Rewards points as a welcome benefit by spending Rs. 15,000 within 90 days of card membership.
- Welcome benefit of 10,000 Membership Reward Points (redeemable for travel vouchers).
- Travel milestone benefits – Taj voucher worth ₹10,000 on annual spends of ₹4 Lakh.
- Value-back on spends through Membership Reward Points.
- Redeem points for flights, hotels, or shopping via Amex Travel portal.
- Domestic travel-focused benefits, ideal for frequent Indian travelers.
- Complimentary access to airport lounges in India.
- Annual fee offset with milestone rewards and travel vouchers.
- Additional rewards on reaching higher annual spending thresholds.
RBL Bank World Safari Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
Welcome Benefits
Cardholders get MakeMyTrip travel voucher worth Rs.3,000 as a welcome gift.
- Welcome gift: Rs. 3,000 MakeMyTrip voucher.
- Rewards: 2X on regular spends, 5X on travel.
- Lounge Access: 2 domestic + 2 international Priority Pass visits.
- Milestone rewards up to Rs. 10,000 gift cards and 25,000 bonus points.
- 0% forex markup fee.
- Fuel surcharge waiver: Rs. 250/month.
- Travel insurance included.
RBL Bank iGlobe Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
Welcome Benefits
MakeMyTrip voucher worth ₹3,000.
- ₹3,000 MakeMyTrip voucher as welcome benefit
- 10 RP/₹100 on international spends, 5 RP/₹100 on domestic spends
- Milestone perks: 10,000 bonus points at ₹5L spends, +10,000 travel points at ₹8L spends
- 2 free domestic airport lounge visits/quarter
- 6 free international lounge visits/year via Priority Pass
- 2 free railway lounge visits/quarter
- 4 complimentary golf rounds/year + 1 free lesson/month
RBL Bank Novio Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance, a clear sign that you're valued as a customer.
- Annual fee: ₹500 + GST
- 2,000 Reward Points as a welcome bonus (on ₹5,000 spend within 30 days)
- 2 RP per ₹100 on online spends, 1 RP per ₹100 on offline spends
- Annual milestone rewards: 1,000 RP on ₹1.5 Lakh spend & 2,000 RP on ₹3 Lakh spend
- RuPay Select card – can be linked with UPI for easy digital payments
Bank of Baroda Tiara Credit Card
Joining Fee
₹2499 + Tax
Renewal Fee
₹2499 + Tax
Welcome Benefits
Joining fee reversal on spending Rs. 25,000 within the first 60 days of card issuance.
- 15 reward points on dining, travel, and international spends; 3 points on other purchases
- Joining fee waived on Rs. 25,000 spend in 60 days; annual fee waived on Rs. 2.5 lakh spend
- 1% fuel surcharge waiver (up to Rs. 250/month)
- Free memberships: Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, Fitpass Pro
- Low 2% forex fees
- Unlimited domestic lounge access
- Quarterly discounts on Nykaa, Flipkart, Myntra, BookMyShow, BigBasket, and Lakmé Salon
- Complimentary women’s health packages
AU Bank Nomo Credit Card
Joining Fee
₹199 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
500 reward points on the first transaction within 30 days of card setup.
500 points on your first purchase within 30 days.
2 points for every ₹100 spent on shopping, utilities, and insurance.
Extra 500 points for spending ₹25,000 and another 500 for ₹50,000 in a quarter.
Use points for travel, shopping, or vouchers.
Minimal annual fee with good value.
ixigo AU Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Earn 1,000 reward points and Ixigo money vouchers worth ₹1,000 on your first successful transaction within 30 days of card issuance.
- 0% forex markup fee, but lacks other international travel benefits.
- Limited value for overseas holiday bookings.
- Best suited for frequent domestic travelers booking via Ixigo.
- Offers savings through discounts and reward points on Indian travel.
AU Bank Xcite Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Lifetime free, entry-level upgrade card.
- Up to 15 Reward Points per ₹100 on groceries, dining, movies, and departmental stores.
- Double points on retail spends from 1st–5th each month.
- Complimentary railway lounge access – 8 visits per year.
- Device protection plan and 1-year extended warranty on electronics.
- 1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions.
- Interest rate: 3.49% per month; cash advance fee: 2.5% or ₹100 (whichever is higher).
AU Bank Xcite Ace Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Lifetime free credit card
- Up to 3% cashback on all spends
- Complimentary railway lounge access every year
- Complimentary airport lounge access every year
- Save up to 30% on dining
- 1% fuel surcharge waiver on all fuel purchases
- Free device protection plan and extended warranty
Aditya Birla AU Bank Credit Cards
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Canara Bank RuPay Select Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Reward Points: 2 points for every ₹100 spent
- Lounge Access: Complimentary access across India
- Credit Period: Interest-free period of 20–50 days
- Add-on Cards: Up to 4 without extra fees
- Insurance: Rs. 10 lakh for personal accident or permanent disability
Canara Bank Visa Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Complimentary domestic airport lounge access twice every quarter.
- Fuel surcharge waiver of 1% on fuel transactions.
- Lifetime-free card with no joining or renewal fees.
Federal Bank SBI - VISA Gold N More Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Federal Bank RuPay Wave Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Floater add-on card linked to your primary Federal Bank Credit Card.
- Earn up to 10% cashback on the first five UPI transactions.
- Get 1 reward point for every Rs. 200 spent.
- Milestone bonus: Earn 1,000 bonus reward points on quarterly spends of Rs. 50,000.
- Easy and convenient UPI payments via QR code.
- Ideal for maximizing credit limit and rewards on everyday transactions.