Best Reward Points Credit Cards in 2025

• Lifetime-free credit card with no annual or joining fees.
• 2 complimentary domestic lounge access per quarter.
• Insurance coverage included for fraud, baggage loss, and accidents.

• Earn 10% Scapia Coins on eligible online & offline spends
• Redeem coins easily for flights, hotels, and buses (5 Coins = ₹1)
• Zero joining & annual fees
• Digital-first experience with instant virtual card activation
• 1% fuel surcharge waiver up to ₹500/month
• 24x7 app control & support

• Earn 10X reward points on all spends made on your birthday
• Get 25% off on movie tickets (up to ₹100) once every month
• Avail up to 20% discount at 1,500+ partner restaurants across India

• Gift vouchers worth Rs. 500 on joining
• 5% cashback on first EMI transaction
• Lifetime-free credit card
• 6X reward points on online spends
• Low interest rates starting at 0.75% per month

• Get 10X reward points on spends above Rs. 20,000 in a month and on your birthday
• Earn 3X reward points on spends up to Rs. 20,000 in a statement cycle
• Earn 1 reward point per Rs. 100 spent on all other transactions

• 3X reward points on every Rs. 100 spent at Apollo services
• Up to 10% instant discount on select Apollo services
• Complimentary Apollo Gold Tier Membership
• 1% fuel surcharge waiver at all petrol pumps (on transactions Rs. 500–3,000)
• Annual fee waiver on spending Rs. 90,000 in a year

• 4 Reward Points on every ₹150 spent online
  2 Reward Points on every ₹150 spent offline
  Redeem rewards as cashback or gifts via SmartBuy
  Milestone benefit: ₹500 voucher on ₹50,000 annual spend
  Fuel surcharge waiver

• Earn 2 reward points for every Rs. 150 spent.
• Get 50% extra reward points on dining at premium restaurants.
• Redeem reward points to pay credit card bills (100 points = Rs. 10).
• Convert reward points to air miles or use them for vouchers and merchandise via HDFC Rewards Catalogue.
• Fuel surcharge waiver up to Rs. 250 per billing cycle, unlimited transactions.
• Annual fee of Rs. 500 waived on spending Rs. 50,000 in a year.

• 1 Reward Point for every Rs. 150 spent; redeem for cash, KrisFlyer Miles, or via Rewards Portal.
• Welcome gift from a curated list including luxury and lifestyle brands.
• Buy 1 Get 1 free movie tickets (max 2/month).
• Complimentary insurance: Lost Card Liability and Personal Air Accident cover up to Rs. 25 Lakh.
• IndusInd Assistance for travel, bookings, and exclusive services.
• 1% fuel surcharge waiver up to Rs. 250 per month on transactions between Rs. 500–3,000.

• Welcome Bonus: 20,000 reward points on first retail spend within 30 days
• Milestone Rewards: Up to 45,000 reward points on annual spends of Rs. 3L, 5L, and 8L
• Movies Offer: Buy 1 Get 1 free ticket on BookMyShow, twice per month
• Golf Benefits: 12 complimentary lessons per year + 4 free rounds and 50% off beyond
• Lounge Access: Up to 8 domestic airport lounge visits per year
• Concierge Services: Assistance with reservations, events, golf, spa, and dining
• Fuel Benefit: 1% fuel surcharge waiver (up to Rs. 200/month on spends Rs. 500–4,000)

• Lifetime free credit card with no joining or annual fee.
• Earn 5x reward points on departmental stores, movies, and grocery spends (up to monthly cap).
• 1 reward point on every Rs. 100 spent on other categories.
• Redeem reward points for cashback or other available options.
• Instant EMI facility on purchases of Rs. 2,500 and above.
• 1% fuel surcharge waiver on transactions between Rs. 400–5,000.

• 10X reward points on online partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap (Urban Company)
• 5X reward points on all other online spends
• 1X reward point on offline spends
• Spend ₹1 lakh annually to waive the renewal fee
• Get a ₹2,000 e-voucher as a milestone reward on annual spends of ₹1 lakh

• Get 6,000 reward points as a welcome gift.
• Earn up to 7.25% value back on fuel spends at BPCL petrol pumps.
• Earn 25X reward points on BPCL fuel purchases (up to 2,500 points per month).
• Enjoy 4 free visits to domestic airport lounges every year.
• Get fraud protection cover up to ₹1 lakh.

Earn 10% value back (Fabfamily Rewards) on Fabindia spends
Earn 3 RP/₹100 on dining, movies, and grocery
Earn 2 RP/₹100 on all other spends
1% fuel surcharge waiver (₹500–₹3,000 per transaction)
Annual fee waived on ₹1L spend

• Earn 10 EDGE points/Rs. 200; 2X on retail spends.
• Discounts on BigBasket, Swiggy, and movies.
• Priority Pass & lounge access, travel perks.
• Welcome & milestone rewards up to 10,000 points.
• Complimentary golf rounds and dining offers.
• 1% fuel surcharge waiver on Rs. 400–4,000 spends.