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.
Bank of Baroda ETERNA Credit Card
Joining Fee
₹2499 + Tax
Renewal Fee
₹2499 + Tax
Welcome Benefits
FitPass Pro Membership worth Rs. 15,000.
- Welcome gift: FitPass Pro Membership worth ₹15,000
- Earn up to 15 Reward Points on travel, international spends, dining, and online shopping
- Unlimited free domestic lounge access
- Low foreign exchange markup fee of 2%
- Buy 1 Get 1 free movie ticket via Paytm
- Up to 20,000 bonus reward points as milestone spend benefit
- Personal accidental death insurance coverage up to ₹1 crore
SBI IRCTC Platinum Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
Get 350 bonus reward points (worth Rs. 350) after your first successful transaction of Rs. 500 or more.
Enjoy Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
- 350 bonus reward points on first transaction of Rs. 500+
- 10% value back on AC1, AC2, AC3, and AC Chair Car railway ticket bookings via IRCTC
- 4 complimentary railway lounge visits per year
- 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000
- Balance transfer and Flexipay options available for easier payment management
Kotak NRI Royale Signature Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1000 + Tax
Patanjali RBL Bank Swarn Credit Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
RBL Bank SalarySe UP Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
Earn up to 2,500 Reward Points after the first transaction.
- 100% virtual credit card, linked with SalarySe platform.
- Earn up to 10X Reward Points on UPI spends.
- Welcome benefits worth up to 6,000 Reward Points.
- NCMC feature for metro & bus travel payments.
- Redeem points on RBL Rewards Portal (1 Point = ₹0.10).
Bank of Baroda ICAI Exclusive Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Welcome Gift of FitPass Pro Membership worth Rs. 15,000 & 1,000 reward points.
- Welcome gift: FitPass Pro membership worth Rs. 15,000 and 1,000 reward points
- Earn up to 5 reward points per Rs. 100 on dining, online spends, and utility bills
- Earn 1,000 reward points every month
- 12 free airport lounge visits at select domestic airports (on spending min. Rs. 40,000 in the previous quarter)
- Low foreign exchange mark-up fee of 2%
- Earn 4,000 reward points every quarter on spending above your credit limit
- Insurance cover: Professional Indemnity, Air accidental death, and Non-air accidental death
HPCL Bank of Baroda ENERGIE Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
American Express Platinum ReserveSM Credit Card
Joining Fee
₹10000 + Tax
Renewal Fee
₹10000 + Tax
Welcome Benefits
11,000 bonus Membership Rewards Points on the payment of first year’s annual fee and on spending Rs. 30,000 within 90 days of card membership
- Complimentary hotel memberships (Taj Epicure & Accor Plus)
- Free domestic & international lounge access
- Golf privileges at select courses
- Monthly milestone vouchers on ₹50,000+ spend
- 3X reward points on select brands
- Dining discounts at partnered restaurants
- 24×7 concierge service for travel & lifestyle needs
RBL Bank Insignia Preferred Banking World Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- Annual Fee: Nil
- Best Suited For: Premium travel & lifestyle
- Rewards: 5 RP/₹100 on domestic spends, 10 RP/₹100 on international spends
- Airport Lounges: Complimentary Priority Pass + 6 free visits/year
- Domestic Lounges: 2 free visits per quarter
- Movies: ₹500 off on BookMyShow tickets every month
- Golf: Free rounds every year, 1 free lesson/month, 50% discount on green fees
- Dedicated Service: Exclusive number to reach your relationship manager anytime
Patanjali RBL Bank Vishisht Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
RBL Bank Titanium Delight Card
Joining Fee
₹750 + Tax
Renewal Fee
₹750 + Tax
Welcome Benefits
2,000 Reward Points on the first swipe within 30 days.
- Welcome Bonus: Up to 3,000 Reward Points on initial spends.
- Mid-Week Delights: 1+1 free movie tickets, 5% value back on groceries, 10% on pizzas every Wednesday.
- Annual Spend Bonus: 4,000 Reward Points on spends of ₹1.2 lakh or more in a year.
- Rewards on Spends: 1 Reward Point per ₹100 spent across categories.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions (₹500–₹4,000, max ₹100/month).
- Annual Fee Waiver: Waived on annual spends of ₹1,00,000+.
Standard Chartered Emirates World Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
- Earn 6 Skyward Miles for every Rs. 150 spent on Emirates transactions and 3 Skyward Miles for every Rs. 150 on other spends.
- 5% cashback on duty-free shopping (up to Rs. 1,000 per month).
- Complimentary access to 25 domestic lounges via Mastercard Lounge Program.
- 2 complimentary domestic and 2 international Priority Pass lounge visits per month (additional free visits on spending Rs. 10,000+).
- Complimentary golf access three times a year at 14 premium courses in India, plus 50% discount on green fees.
- Overseas insurance coverage up to Rs. 1 crore, including baggage loss and flight delay protection.
Bank of Baroda Vikram Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
3 months subscription of Disney+ Hotstar
- Lifetime free card with no joining or annual fees
- 5 reward points per Rs. 100 on groceries, departmental stores, and movies (capped at 1,000/month)
- 1 reward point per Rs. 100 on all other spends
- Welcome Benefit: 3-month Disney+ Hotstar Super Plan subscription
- Accidental death insurance up to Rs. 20 lakh (Air/Non-Air)
- Fuel surcharge waiver: 1% on Rs. 400–5,000 (max Rs. 250/month)
- Smart EMI option for purchases of Rs. 2,500+ (6–36 months)
Indian Coast Guard Rakshamah BoB Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Complimentary 6 months FITPASS Pro membership & 500 reward points.
- 5X reward points on movies & departmental stores (capped at 1,000/month)
- 2 reward points on other spends, including UPI transactions
- Welcome Benefits: 6 months FITPASS Pro + 500 bonus points
- Milestone Benefit: 12-month Amazon Prime membership on Rs. 1 lakh spend in first 90 days
- 8 complimentary domestic airport lounge visits per year (2 per quarter, on Rs. 20,000 spend)
- 24×7 concierge services for domestic & international support
- Accidental death insurance: up to Rs. 20 lakh
- Fuel surcharge waiver: 1% on Rs. 400–5,000 (max Rs. 250/month)
- Lifetime free card with no annual fee
Assam Rifles The Sentinel BoB Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
FITPASS Pro membership & 500 reward points.
- 10 reward points per Rs. 100 on movies & departmental stores (up to 1,000 points/month).
- 2 reward points per Rs. 100 on other categories, including UPI spends.
- Welcome benefits: 6 months FITPASS Pro membership & 500 reward points on spending Rs. 5,000 in 60 days.
- 12 months Amazon Prime on spending Rs. 1 lakh within 90 days.
- 8 complimentary domestic airport lounge visits per year (2 per quarter, min. spend Rs. 20,000).
- Personal accidental death cover up to Rs. 20 lakh & 1% fuel surcharge waiver (up to Rs. 250/month).