Updated June 2026
Best Rewards Credit Cards in India
Rewards cards earn points you redeem for vouchers, travel or statement credit. The best ones combine a strong earn rate with benefits worth more than their fee. These are our highest-rated all-round cards for India.
- 1
Best rewards card overall
HDFC Bank Infinia Credit Card
HDFC Bank
4.9PremiumWhy we picked it: One of the best reward rates in India (3.3% base, up to ~33% via SmartBuy); Unlimited domestic and international lounge access via Priority Pass.
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome
- ₹12,500
- 2
#2 for rewards
HDFC Bank Diners Club Black Credit Card
HDFC Bank
4.5PremiumWhy we picked it: Unlimited domestic and international airport lounge access for primary and add-on members; High base reward rate of 5 RP per Rs. 150 (up to 3.33% at full RP value).
- Top reward
- 33.33%
- Annual fee
- ₹10,000
- Welcome
- —
- 3
#3 for rewards
HDFC Bank Swiggy Credit Card
HDFC Bank
4.3Why we picked it: Excellent 10% cashback on Swiggy (food, Instamart, Dineout); 5% cashback on broad online spends.
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome
- —
- 4
#4 for rewards
Samsung Axis Bank Credit Card
Axis Bank
4.3Lounge accessWhy we picked it: Strong 10% cashback across the Samsung ecosystem (good for Samsung loyalists); Low ₹500 fee with achievable ₹2 lakh fee-waiver.
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome
- ₹500
- 5
#5 for rewards
SBI Card IRCTC
State Bank of India
4.0Why we picked it: Up to 10% value back on AC train tickets via IRCTC; 1% transaction charge waiver on IRCTC bookings.
- Top reward
- 10%
- Annual fee
- ₹300
- Welcome
- ₹350
At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| HDFC Bank Infinia Credit Card | 4.9 | 33% | ₹12,500 | ₹12,500 |
| HDFC Bank Diners Club Black Credit Card | 4.5 | 33.33% | ₹10,000 | — |
| HDFC Bank Swiggy Credit Card | 4.3 | 10% | ₹500 | — |
| Samsung Axis Bank Credit Card | 4.3 | 10% | ₹500 | ₹500 |
| SBI Card IRCTC | 4.0 | 10% | ₹300 | ₹350 |