If you love earning reward points on your daily spending, choosing the right credit card can help you maximize benefits. Whether it’s for shopping, travel, fuel, or dining, the best reward credit cards in India offer high reward rates, easy redemption, and bonus perks like cashback and vouchers.
Top Credit Cards for Reward Points in India
| Credit Card | Annual Fee | Best For | Reward Rate | Key Benefits |
|---|---|---|---|---|
| HDFC Diners Club Privilege | ₹2,500 | Travel & Dining | 4 reward points per ₹150 | Free annual memberships, lounge access |
| SBI Prime Credit Card | ₹2,999 | Lifestyle & Shopping | 10X on dining, groceries, and department stores | ₹3,000 welcome gift vouchers |
| Axis Bank Magnus Credit Card | ₹10,000 | Premium Rewards | 12 EDGE Rewards per ₹200 | Free flight tickets, airport concierge |
| ICICI Coral Credit Card | ₹500 | Budget Shoppers | 2 reward points per ₹100 | Movie discounts, dining offers |
| American Express Membership Rewards Card | ₹1,500 | Exclusive Offers | 1,000 bonus points on ₹4,000 spends/month | Convert points into travel & hotel stays |
| Citi Rewards Credit Card | ₹1,000 | Frequent Spenders | 10X points on shopping | ₹1,000 welcome gift, instant redemption |
| Standard Chartered Platinum Rewards | ₹250 | Low-Fee Rewards | 5X points on dining & fuel | Lifetime free on spending ₹30K annually |
How to Choose the Best Credit Card for Reward Points in India
🔹 Higher Reward Rate: Look for 5X-10X reward points on preferred categories.
🔹 Low to No Fees: Some cards offer lifetime-free or fee waiver on annual spending.
🔹 Easy Redemption: Ensure points can be converted to cash, travel, or shopping vouchers.
🔹 Bonus Points & Offers: Some cards provide welcome bonus points, milestone rewards, and extra perks.
Best for Different Categories
🏆 Best for Travel & Lounge Access: HDFC Diners Club Privilege (4X points, free memberships)
🛍 Best for Shopping & Lifestyle: SBI Prime Credit Card (10X points, ₹3,000 gift vouchers)
✈️ Best for Premium Rewards: Axis Bank Magnus (12X EDGE points, free flight tickets)
🍽 Best for Dining & Fuel: Standard Chartered Platinum Rewards (5X points)
🎬 Best for Entertainment: ICICI Coral (Movie discounts, dining rewards)
💎 Best for Exclusive Offers: Amex Membership Rewards (Monthly bonus points)
Final Thoughts
If you love earning and redeeming points, choose a card based on your spending habits. The HDFC Diners Club and Axis Bank Magnus offer premium rewards, while SBI Prime is perfect for shopping and lifestyle perks. For budget-friendly reward cards, go for Standard Chartered Platinum or ICICI Coral.
