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.
Axis Bank Atlas Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Welcome Benefits
2,500 bonus EDGE Miles as card activation benefit on making the first transaction within 37 days of card setup.
- Earn 5 EDGE Miles per ₹100 on travel spends (up to ₹2 Lakh/month)
- 2 EDGE Miles per ₹100 on other spends and travel above ₹2 Lakh
- Redeem via Axis Travel EDGE or convert to partner airline/hotel points
- Tier-based benefits: Silver, Gold, Platinum with extra lounge access & bonus EDGE Miles
- Welcome benefit: 2,500 EDGE Miles on first transaction within 37 days
Axis Bank Vistara Infinite Credit Card
Joining Fee
₹10000 + Tax
Renewal Fee
₹10000 + Tax
HDFC Diners Club Black Credit Card
Joining Fee
₹10000 + Tax
Renewal Fee
₹10000 + Tax
Welcome Benefits
Complimentary Annual memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization.
- Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
- Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
- Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
- 6 complimentary golf games per quarter at premium global courses.
- Unlimited airport lounge access at 1,000+ domestic and international lounges.
- Low forex markup fee of 2% on international transactions.
- Extensive travel insurance, including air accident cover worth ₹2 Crore.
HDFC Bank Teacher’s Platinum Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
- Earn 500 reward points every year on Teacher’s Day (5th September)
- 2 reward points for every Rs. 150 spent on weekdays and 3X reward points on weekends
- Renewal fee waived on spending Rs. 50,000 in an anniversary year
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (max Rs. 250 per statement cycle)
- Up to 3 lifetime-free add-on credit cards
ICICI Amazon Pay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Welcome rewards of Rs.1,700 along with three months free EazyDiner Prime Membership of Rs.1,095
- Lifetime free card – no joining or annual fees.
- Unlimited reward points on every spend, with no cap.
- 5% cashback on Amazon purchases for Prime members
- 3% cashback on Amazon purchases for Non-Prime members
- Cashback applicable only on Amazon India (amazon.in) transactions
- 2% cashback at 100+ Amazon Pay partner merchants
- 1% cashback on all other retail spends
- Reward points auto-converted to Amazon Pay balance (1 Point = ₹1)
- No expiry on reward points once credited to Amazon Pay balance
Chennai Super Kings ICICI Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
2,000 reward points after paying the joining fee and spending Rs. 5,000 within the first 45 days.
- Welcome and renewal benefit of 2,000 Reward Points.
- Up to 10 Reward Points for every Rs. 100 spent.
- Complimentary domestic airport lounge access.
- Top spenders each month receive autographed memorabilia from key CSK players.
- Opportunity to meet CSK players.
- Complimentary tickets to CSK matches during the season.
- 25% discount (up to Rs. 100) on movie tickets via BookMyShow.
- 1% fuel surcharge waiver at all HPCL fuel stations.
- Annual fee waiver based on spending.
IndianOil RBL Bank XTRA Credit Card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Welcome Benefits
3,000 Fuel Points on making the first card transaction of at least Rs. 500 within 30 days of card issuance.
- Welcome Benefit: 3,000 Fuel Points on first transaction of Rs. 500 or more within 30 days of issuance.
- Reward Program: Earn 15 Fuel Points per Rs. 100 spent at IndianOil outlets, 2 Fuel Points on all other spends.
- Fuel Savings: Save up to 8.5% on IOCL fuel spends (up to 250 litres free fuel annually).
- Milestone Benefit: 1,000 Fuel Points on quarterly spends of Rs. 75,000.
- Redemption Value: 1 Fuel Point = Rs. 0.50 at IOCL pumps / petrol vouchers.
- Fuel Surcharge Waiver: 1% waiver (up to Rs. 200 per month) on transactions of Rs. 500–4,000.
- Annual Fee Waiver: Spend Rs. 2.75 lakh in a year to get the fee waived.
RBL Bank Monthly Treats Credit Card
Joining Fee
₹100 + Tax
Renewal Fee
₹100 + Tax
- Monthly Fee: Rs. 75 (waived on Rs. 3,000 monthly spend).
- Cashback: 10% on groceries, dining, movies & utilities (after monthly spends).
- Reward Points: 2 RP on online spends, 1 RP on offline spends (fuel excluded).
- Fuel Benefit: 1% surcharge waiver on Rs. 500–4,000 spends.
- Best For: Regular grocery buyers, movie lovers, and online shoppers.
BoB Nainital Bank RENAISSANCE Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹250 + Tax
Welcome Benefits
500 bonus reward points on making Rs. 5,000 card spends within 60 days of card issuance.
- Joining Benefit: 500 bonus reward points on Rs. 5,000 spend within 60 days
- Rewards: 5X points on departmental stores/movies; 1 point per Rs. 100 on other spends
- Annual Fee Reversal: Waived on Rs. 25,000 annual spend
- Insurance Cover: Air accidental death Rs. 15 lakh; Non-air Rs. 5 lakh
- Fuel Benefit: 1% surcharge waiver on fuel (up to Rs. 250/month)
FBB SBI STYLEUP Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Kotak Biz Business Credit Card
Joining Fee
₹299 + Tax
Renewal Fee
₹499 + Tax
American Express SmartEarn™ Credit Card
Joining Fee
₹495 + Tax
Renewal Fee
₹495 + Tax
Welcome Benefits
Rs. 500 cashback on spending Rs. 10,000 in the first 90 days
- Get a welcome bonus of ₹500 cashback on spending ₹10,000 within the first 3 months.
- Earn 10X reward points on Flipkart, BookMyShow, Ajio, Nykaa, Uber, and other partners.
- Get 5X reward points on purchases from Amazon.
- Renewal fee waived on annual spends of over ₹40,000.
- Earn 1 reward point for every ₹50 spent on other purchases.
RBL Platinum Delight Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Welcome Benefits
4,000 reward points on the payment of joining fee and on the first transaction within 30 days of card issuance.
- Earn 2 reward points per ₹100 spent (4 points per ₹100 on weekends, capped at 1,000 points/month)
- Welcome benefit: 4,000 reward points on first transaction within 30 days of card issuance
- Milestone benefit: 1,000 reward points for 5 transactions of ₹1,000 each per month
- 1% fuel surcharge waiver (up to ₹150/month on fuel spends ₹500–₹4,000)
- Annual fee waiver on spending ₹2 Lakh in a year
RBL World Prime Credit Card
Joining Fee
₹2999 + Tax
Renewal Fee
₹2999 + Tax
Welcome Benefits
You can avail 12,000 reward points on paying the joining fee and making an expenditure of Rs.2000 in the first 60 days of card issuance.
- Joining Fee: ₹2,500 + taxes
- Welcome Benefit: 12,000 Reward Points on first spend of ₹2,000 within 60 days
- Reward Points: 1 RP/₹100 on regular spends, 2x RP on online spends, 10,000 bonus RP on annual spend of ₹1.5 lakh
- Movie Discount: 1+1 free ticket up to ₹200 via BookMyShow, twice a month
- Airport Lounge Access: 8 free domestic lounges per year
Bank of Baroda Easy Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
- Earn up to 5 Reward Points per ₹100 spent on select categories.
- 0.5% cashback on credit card bill payments.
- Fuel surcharge waiver on fuel transactions.
- Insurance coverage up to ₹15 lakh.
- Annual fee waiver on spending ₹50,000 in a year.
- Interest-free period of up to 50 days.
- Up to 3 free add-on cards for family members.