Reward points are considered to be one of the most attractive benefits offered by credit cards. Whenever you use a credit card, a few reward points are credited to your account. Once you reach a certain reward point threshold, for example, 2,000 points, you can redeem the same as gift vouchers, merchandise, or cash credit. Below mentioned is the list of best credit cards for reward points.
Exclusive Card Offers from India’s top banks are just a click away
Error: Please enter a valid number
Best Rewards Credit Cards in India for December 2024
Below mentioned are some of the best credit cards for rewards that will give you a good value back on your expenses:
HDFC Regalia Gold Credit Card
Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
Product Details
- Complimentary Swiggy One & MMT Black Elite Memberships
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
SBI Card PRIME
Joining fee: ₹2999
Annual/Renewal Fee: ₹2999
5X reward points on dining, groceries, departmental stores, and movies
8 international Priority Pass & 4 domestic airport lounge visits per year
Product Details
- 10X reward points on birthday spends; 2 reward points per Rs. 100 on other retail purchases
- Complimentary Club Vistara Silver membership
- E-gift vouchers worth Rs. 3,000 of popular brands, such as Yatra, Pantaloons, etc., as welcome benefits
- Pizza-hut gift voucher worth Rs. 1,000 on quarterly spend of Rs. 50,000
- Yatra/ Pantaloons gift voucher worth Rs. 7,000 on spending Rs. 5 lakh in a year
Axis Bank SELECT Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
2X EDGE Reward Points acrosss all retail transactions
10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit
Product Details
- 10 EDGE Reward Points on every Rs. 200 spent
- Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
- Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
- Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
- Up to 12 complimentary golf rounds in a year
American Express SmartEarn™ Credit Card
Joining fee: ₹495
Annual/Renewal Fee: ₹495
10X* Membership Rewards® Points on Zomato, Flipkart, Myntra, etc.
5X* Membership Rewards® Points on spends at Amazon
Product Details
- 1 Membership Rewards® Point per Rs. 50 spent on other categories
- Rs. 500 voucher each on achieving annual spends of Rs. 1.20 Lakh, Rs. 1.80 Lakh & Rs. 2.40 Lakh respectively
- 0% convenience fee on fuel purchases below Rs. 5,000 at HPCL Petrol Pumps
HDFC MoneyBack+ Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
5X CashPoints on EMI transactions at select merchants
Product Details
- 2 CashPoints per Rs. 150 spent on other categories
- 500 CashPoints as welcome benefit after the payment of joining fee
- Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
Axis Bank Rewards Credit Card
Joining fee: ₹1000
Annual/Renewal Fee: ₹1000
10X reward points on spends at departmental stores & apparel
Product Details
- Up to 30% off on Swiggy, twice a month on a minimum order of Rs. 200
- 2 complimentary domestic airport lounge access in a quarter
- 2 EDGE reward points on every Rs. 125 spent
- 1,500 EDGE reward points on spending Rs. 30,000 in a statement cycle
IDFC FIRST Select Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
10X reward points on incremental monthly spends above Rs. 20,000
3X reward points on purchases of up to Rs. 20,000 in a month
Product Details
- 1 reward point per Rs. 150 on utility, insurance and other offline spends
- Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card setup
- 5% cashback on first EMI transaction done within 90 days of card setup
- 2 complimentary domestic airport lounge access in a quarter on spending Rs. 20,000 in a month
- Buy 1 Get 1 offer on movie tickets, twice a month on Paytm mobile app
Standard Chartered Platinum Rewards Credit Card
Joining fee: ₹250
Annual/Renewal Fee: ₹250
5X reward points on dining & fuel spends
100% cashback on your first transaction at restaurants
Product Details
- 5X rewards on dining and fuel spends
- Joining fee waiver on spending Rs. 500 or more within 30 days of card issuance
- Dial-a-loan facility, for a loan of up to Rs. 5 Lakh for a tenure of 12 to 60 months
Video: Best Rewards Credit Cards 2024
Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.