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.
Spar SBI Card SELECT
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Welcome Benefits
Rs. 1,500 worth of bonus reward points as a welcome benefit
- Annual fee of ₹1,499.
- Earn ₹100 cashback on your first ATM withdrawal.
- Get ₹1,500 worth of bonus reward points as a welcome benefit.
- Earn up to 10 reward points per ₹100 spent at Landmark stores.
- Unlock up to 34,400 reward points through milestone benefits.
SBI Bank Elite Credit Card
Joining Fee
₹4999 + Tax
Renewal Fee
₹4999 + Tax
Welcome Benefits
Get a welcome e-gift voucher worth ₹5,000Redeemable across top travel and lifestyle brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
- Get an e-Gift Voucher worth ₹5,000 on paying the annual fee
- Enjoy free movie tickets worth ₹6,000 every year
- Earn up to 50,000 bonus reward points worth ₹12,500 annually through milestone spends
- Get complimentary Priority Pass membership (worth $99) for international lounge access
SBI Bank Aurum Credit Card
Joining Fee
₹9999 + Tax
Renewal Fee
₹9999 + Tax
Welcome Benefits
- Get 40,000 Reward Points Worth ₹10,000
- Club Marriott Membership Exclusive discounts on stays, dining, and spa services at Club Marriott hotels across India
- Complimentary Digital Subscriptions Access Mint and The Wall Street Journal online with your free digital membership
- Complimentary Zomato Pro & Club Marriott Membership
- Unlimited Domestic & International Airport Lounge Access
- 24x7 Luxury Concierge Services
- Comprehensive Insurance Coverage
- Premium Metal Card Design for Elite Appearance
- High Reward Point Value (1 RP = ₹0.25)
Yatra SBI Bank Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
- ₹1,000 off on domestic flight bookings (minimum booking of ₹5,000)
- ₹4,000 off on international flight bookings (minimum booking of ₹40,000)
- ₹1,000 off on hotel bookings (minimum booking of ₹3,000)
- Valid only on bookings via Yatra.com
- Domestic flight discount is valid on bookings of Rs. 5,000 or more.
- International flight discount is valid on bookings of Rs. 40,000 or more.
- Hotel booking discount is valid on a minimum spend of Rs. 3,000, with a maximum discount of Rs. 2,000.
- Welcome benefits are applicable only after the first year’s annual fee is paid.
- Reward points are capped at 5,000 points per month for both international and select category spends.
Axis Bank Rewards Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Axis Bank Vistara Credit card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Axis Bank Horizon Credit Card
Joining Fee
₹3000 + Tax
Renewal Fee
₹3000 + Tax
Reliance SBI Card Prime
Joining Fee
₹2999 + Tax
Renewal Fee
₹2999 + Tax
Welcome Benefits
Reliance Retail voucher worth ₹3,000 on activation, plus additional discount vouchers worth ₹11,999 from participating Reliance stores.
- Cashback on JioMart – Can be used only for general merchandise and fashion categories.
- Milestone vouchers – Calculated only on spends at participating Reliance Retail Stores.
- Extra vouchers on activation:
- Reliance Trends: Discount valid on apparel & footwear.
- Reliance Jewels: 2% off on gold making charges and 2% off on diamond invoice value (only for select SKUs).
- AJIO: Discount applies after all other offers.
- Rewards exclusions – No rewards for fuel, property rent, or wallet top-ups.
- Fuel surcharge waiver – Available for transactions between ₹500 and ₹4,000.
Titan SBI Credit Card
Joining Fee
₹2999 + Tax
Renewal Fee
₹2999 + Tax
Welcome Benefits
Get 12,000 reward points worth Rs. 3,000 when you pay the joining fee.
- 12,000 Reward Points (Rs. 3,000 value) as welcome benefit on annual fee payment
- 3% value back on Tanishq purchases and 5% cashback on Mia, Caratlane, and Zoya
- Annual fee waiver on spending Rs. 3 lakh in a year
- Milestone benefits up to Rs. 15,000 on annual spends of Rs. 5 lakh and Rs. 10 lakh
- 8 complimentary domestic and 4 international airport lounge visits per year with Priority Pass membership
BPCL SBI Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
2,000 bonus Reward points worth Rs. 500 on payment of joining fee1
- Earn up to 13X reward points on fuel spends at BPCL petrol pumps with a fuel surcharge waiver of up to Rs. 100 per month.
- Get 5X reward points on groceries, dining, movies, and departmental store purchases.
- Enjoy a one-time annual fee of Rs. 499 with 2,000 bonus reward points worth Rs. 500 on joining.
- Instant reward redemption available at over 1,200 BPCL outlets with no minimum points threshold.
- Add-on cards available for family members with worldwide acceptance at over 24 million merchant outlets.
HDFC Solitaire Credit Cards
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
- Earn 3 reward points for every Rs. 150 spent
- Get 50% extra reward points on dining and grocery spends
- Receive shopping vouchers worth Rs. 1,000 on spending Rs. 75,000 in six months
- Enjoy 1% fuel surcharge waiver at all fuel stations across India
ICICI Bank Emeralde Credit Card
Joining Fee
₹12000 + Tax
Renewal Fee
₹12000 + Tax
- Get a ₹5,000 Tata CliQ voucher on your birthday (AmEx variant only) to shop at www.tatacliq.com.
- Enjoy unlimited domestic and international airport lounge access.
- Save up to ₹750 on the second ticket onwards (max 4 tickets/month) on BookMyShow for movies and non-movie events.
- Complimentary golf round or lesson for every ₹50,000 spent in the previous month (up to 4 per month).
- Low foreign currency markup of 1.5% and 1.99% interest on cash withdrawals.
- Refund of cancellation charges up to ₹12,000 on 2 transactions per year for flight, hotel, or movie bookings.
- Flexible card membership: choose between monthly or annual plans.
- Earn up to 4 reward points for every ₹100 spent.
Times Black ICICI Bank Credit Card
Joining Fee
₹20000 + Tax
Renewal Fee
₹20000 + Tax
Welcome Benefits
EaseMyTrip gift card for luxury stay worth Rs. 10,000 and more.
- Luxury welcome & milestone rewards
- Unlimited domestic & international lounge access
- Exclusive dining, events & subscriptions
- Extra rewards on flights, hotels & vouchers
- 1% fuel surcharge waiver & travel insurance
- Redeem points for products, vouchers, or cashback
Emirates Skywards ICICI Bank Emeralde
Joining Fee
₹10000 + Tax
Renewal Fee
₹10000 + Tax
Welcome Benefits
Complimentary Emirates Silver Tier Membership & 10,000 Skywards Miles on payment of joining fee
- Complimentary Emirates Skywards Silver Tier membership
- 10,000 bonus Skywards Miles as a joining benefit
- Earn 2.5 Skywards Miles for every ₹100 spent
- Unlimited complimentary access to domestic and international lounges
- Upgrade to Skywards Gold Tier membership on milestone spends
- Exclusive dining offers under ICICI Bank Culinary Treats Programme
- Buy 1 Get 1 Free on movie tickets, up to 4 times every month
- 1% fuel surcharge waiver on fuel transactions
Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Welcome Benefits
Welcome ticket worth Rs. 3,000 on card activation1-3
- Complimentary IndiGo air tickets can be redeemed for base fare after completing three transactions each month for the first three months.
- Tickets will be credited to the customer’s IndiGo membership account within 30 days of meeting the eligibility.
- Welcome benefits are issued only after paying the joining fee and are not applicable if the fee is waived.
- No reward points will be earned on Utility, Education, Wallet Load, Fuel, Rent, Government, Insurance, and Online Gaming spends from June 1, 2025.