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.
Kotak Corporate Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹999 + Tax
METRO Kotak Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Get up to Rs. 500 cashback on your first swipe within 30 days of card issuance. This is valid on the transaction value of Rs. 10,000 in a day.
- Cashback Offers: Earn cashback on bulk shopping at METRO Wholesale, both online and offline.
- Credit-Free Period: Enjoy up to 48 days without interest on purchases.
- Store Savings: Get 1% savings on purchases made in METRO stores.
- Welcome Benefit: Spend over Rs. 10,000 on your first swipe within 30 days of card issuance to get up to Rs. 500 cashback.
- Contactless Payments: RuPay contactless feature allows transactions up to Rs. 5,000 without a PIN, offering fast and secure payments.
American Express® Gold Credit Credit
Joining Fee
₹1000 + Tax
Renewal Fee
₹4500 + Tax
Welcome Benefits
4,000 bonus Membership Rewards Points on spending Rs. 10,000 within 90 days of card membership
- Earn 1 Membership Rewards® point on every spend, including fuel and utility payments.
- Redeem your points for premium items from the 18 and 24 Karat Gold Collection.
- Get 1,000 bonus points when you make six transactions of Rs.1,000 or more in a month.
American Express Membership Rewards® Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹4500 + Tax
Welcome Benefits
4,000 Membership Rewards Points on the payment of joining fee and on spending Rs. 15,000 in the first 90 days of cardmembership
- Earn 1 Membership Rewards Point for every ₹50 spent (except on fuel, insurance, utilities, cash transactions, and EMI conversions at POS).
- 100%: Spend ₹1,50,000 or more in a year to get the annual renewal fee of ₹4,500 waived completely.
- 50%: Spend between ₹90,000 and ₹1,49,999 in a year to get 50% off on the renewal fee.
IndusInd Bank Indulge Credit Card
Joining Fee
₹75000 + Tax
Renewal Fee
₹10000 + Tax
- Premium card with 22K gold inlay and no pre-set spending limit.
- 1.5% reward points on all spends, redeemable 1:1 for cashback.
- Low forex markup fee of 1.8% on international transactions.
- Unlimited golf games and lessons, plus 4 premium golf games per month.
- Buy 1 Get 1 offer on BookMyShow tickets, plus extra discounts on F&B.
- Dining discounts up to ₹6,000 per year via EazyDiner.
- 4 complimentary international lounge visits per quarter.
- 1% fuel surcharge waiver on petrol transactions.
- Annual fee waiver on spending ₹10 lakh or more in a year.
- Additional VISA benefits: fast-track immigration, airport limo discounts, and more.
IndusInd Platinum Aura Edge Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Get vouchers from top brands like EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip, and more upon paying the joining fee.
- Choose your rewards plan: Shop, Home, Travel, or Party
- Earn up to 4 points per ₹100 on select spends; 0.5 points per ₹100 on others
- Redeem points for cash, KrisFlyer Miles, or “Pay with Points”
- Welcome vouchers from top brands like EaseMyTrip, Nykaa, Domino’s, MakeMyTrip
- 1% fuel surcharge waiver up to ₹100 per month on spends of ₹500–₹3,000
- Insurance cover for lost baggage, delayed baggage, lost ticket, missed connection, passport loss, and air accidents up to ₹25 lakh
- Lifetime free card with no joining or annual fee
IndusInd Bank Duo Credit Card
Joining Fee
₹249 + Tax
Renewal Fee
₹0 + Tax
- Dual functionality: Works as both credit and debit card with two EMV chips.
- Reward Points: Earn 1 reward point for every Rs. 150 spent; extra points on first transactions.
- Entertainment Benefits: Free movie tickets worth Rs. 3,000 per year and B1G1 offers on BookMyShow.
- Insurance Coverage: Air accident, personal accident, lost card liability, baggage, and passport cover up to Rs. 25 lakh.
- Fuel & Forex Benefits: 1% fuel surcharge waiver (up to Rs. 250/month) and 2% cross-currency mark-up fee.
- Concierge Service: 24×7 assistance for travel bookings, hotels, and exclusive experiences.
Indus Solitaire Credit Card
Joining Fee
₹30000 + Tax
Renewal Fee
₹10000 + Tax
IndusInd Bank Pioneer Heritage Credit Card
Joining Fee
₹100000 + Tax
Renewal Fee
₹25000 + Tax
IndusInd Bank Pioneer Legacy Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹0 + Tax
EazyDiner IndusInd Bank Signature Credit Card
Joining Fee
₹1999 + Tax
Renewal Fee
₹1999 + Tax
RBL Bank Platinum Maxima Credit Card
Joining Fee
₹2000 + Tax
Renewal Fee
₹2000 + Tax
Welcome Benefits
Get 8,000 Bonus Reward Points as welcome benefits on your first payment within 30 days.
- Welcome Bonus: 8,000 reward points
- Reward Points: 2 per Rs. 100 spent; 10 per Rs. 100 on selected categories
- Movie Benefits: 1 free ticket per month (up to Rs. 200)
- Lounge Access: 2 visits per quarter at domestic lounges
- Annual Spend Bonus: Up to 20,000 reward points for spends above Rs. 2 lakh and 3.5 lakh
RBL Bank BankBazaar SaveMax Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
IndianOil RBL Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
1,000 Fuel Points on making the first card spend worth at least Rs. 500 within 30 days of card issuance.
- Fuel Savings: Up to 6% value-back on IOCL fuel spends.
- Reward Structure: 10 Fuel Points per Rs. 100 on IOCL fuel; 1 Fuel Point per Rs. 100 on other spends.
- Welcome Benefit: 1,000 Fuel Points on first transaction within 30 days.
- Annual Fee Waiver: Waived on annual spends of Rs. 1.75 lakh.
- Fuel Surcharge Waiver: 1% waiver, capped at Rs. 100 per month, on transactions between Rs. 500 and Rs. 4,000.
- Best For: Daily commuters and IOCL loyalists looking for fuel-specific savings.
BookMyShow RBL Bank Play Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
Discount worth Rs. 500 on BookMyShow app/website for movies, streams, events, plays, and sports activities ticket bookings.
- Co-branded card with BookMyShow
- ₹500 activation discount on BookMyShow
- ₹500 monthly discount on BookMyShow (on ₹5,000 monthly spend)
- ₹100 monthly discount on food & beverages (min. 2 tickets booked)
- 1% fuel surcharge waiver (up to ₹100/month)
- Annual fee waived on yearly spends of ₹1.5 lakh