Best of
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 Metal Edition Credit Card
HDFC Bank
4.9PremiumVerifyingWhy we picked it: Very strong reward rate: 5 RP per Rs 150 on eligible purchases — 1% at our typical Rs 0.30/RP, up to 3.33% redeemed against SmartBuy travel at Rs 1/RP, and up to ~33% on SmartBuy accelerated categories at the same redemption; Unlimited domestic and international lounge access via Priority Pass.
- Top reward
- 10%
- Annual fee
- ₹12,500
- Welcome
- ₹3,750
- 2
#2 for rewards
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
4.5PremiumVerifyingWhy we picked it: Unlimited domestic and international airport lounge access for primary and add-on members; Strong base earn of 5 RP per Rs. 150 — 1% at our typical Rs 0.30/RP, up to 3.33% only if every point is redeemed at Rs 1 against SmartBuy flights and hotels.
- Top reward
- 10%
- Annual fee
- ₹10,000
- Welcome
- —
- 3
#3 for rewards
Samsung Axis Bank Signature Credit Card
Axis Bank
4.3Lounge accessVerifyingWhy 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
- 4State Bank of IndiaIRCTC SBI Platinum Credit Card
#4 for rewards
IRCTC SBI Platinum Credit Card
State Bank of India
4.0VerifyingWhy we picked it: Useful restricted rewards for eligible AC rail bookings; Four primary-holder railway lounge visits per year.
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome
- ₹350
- 5
#5 for rewards
Flipkart Axis Bank Credit Card
Axis Bank
4.2VerifyingWhy we picked it: 5% cashback on Flipkart and 7.5% on Myntra; Low annual fee with spend-based waiver.
- Top reward
- 7.5%
- Annual fee
- ₹500
- Welcome
- ₹250
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At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| HDFC Bank Infinia Metal Edition Credit Card | 4.9 | 10% | ₹12,500 | ₹3,750 |
| HDFC Bank Diners Club Black Metal Edition Credit Card | 4.5 | 10% | ₹10,000 | — |
| Samsung Axis Bank Signature Credit Card | 4.3 | 10% | ₹500 | ₹500 |
| IRCTC SBI Platinum Credit Card | 4.0 | 10% | ₹500 | ₹350 |
| Flipkart Axis Bank Credit Card | 4.2 | 7.5% | ₹500 | ₹250 |