Best Rewards Credit Cards in India 2026

American Express Platinum Reserve Credit Card is a high-end credit card just below the top-tier Platinum Card. It is designed for people who spend a lot and want premium benefits across different areas. The card offers great travel perks like free Taj Epicure membership and access to The Hotel Collection.

The IndiGo Axis Bank Credit Card and IndiGo Axis Bank Premium Credit Card are travel credit cards offered by Axis Bank and IndiGo. These cards let you earn IndiGo BluChips on your spending, which can be used to book IndiGo flights. The IndiGo Axis Bank Credit Card is the basic and more affordable option.

The American Express Membership Rewards Credit Card is a popular card in India that offers good value through its rewards and everyday benefits. The card has a joining fee of ₹1,000 plus taxes and an annual fee of ₹4,500 plus taxes from the second year.

The HSBC Live+ Credit Card, formerly known as the HSBC Cashback Credit Card, is perfect for online shoppers. It offers a high cashback of 10% on grocery, food delivery, and dining purchases, and 1.5% on all other transactions. Upon joining, you receive an Amazon voucher as a welcome gift.

The MakeMyTrip ICICI Bank Credit Card is perfect for people who travel often and book their trips on MakeMyTrip. It comes with an annual fee of ₹999, making it a great choice for frequent travelers.

Standard Chartered has introduced the Standard Chartered Rewards Credit Card, specially designed for those who frequently use their credit card for shopping and everyday expenses. You don’t have to pay anything to get the card, and the yearly fee of ₹1,000 won’t be charged if you spend enough in the previous year.

The Bank of Baroda Select Credit Card is a good option for earning rewards on daily spending. It usually has an annual fee of ₹750 plus taxes, but you can get it waived by spending ₹7,500 within the first 60 days.

The RBL Bank Cookies Credit Card is an affordable and rewarding option designed for value-conscious users. For a nominal monthly fee of ₹100, cardholders earn 1 Reward Point for every ₹100 spent on offline transactions and enjoy 5X Reward Points on online purchases.

The IDBI Winnings RuPay Select Credit Card is a great choice for first-time credit card users, offering rewards, travel perks, and insurance benefits. You don’t have to pay any joining fee, and you can easily get at least 500 delight points every month. On your birthday month, you get double delight points on all spending.

The HDFC Bank UPI RuPay Credit Card is a new virtual credit card from HDFC Bank that you can link to your UPI ID. It works with apps like Google Pay, PhonePe, Paytm, Mobikwik, BHIM, and more.

The YES Bank POPclub Credit Card is a unique offering created in partnership between YES Bank and POPclub. With every purchase, you earn POPcoins, which can be redeemed on the POPclub app for future buys. The card comes with great perks, including zero joining fees, up to Rs.

The American Express Centurion Card, also known as the Black Card, is one of the most exclusive credit cards available in India. It is not a card that people can apply for directly. Instead, American Express offers it only to selected customers through an invitation.

The IndusInd Bank Jio-bp Mobility+ Credit Card is a RuPay fuel credit card designed for people who regularly use Jio-bp fuel stations. It comes with a joining fee of ₹499 + GST, which is waived if you spend ₹10,000 within the first 30 days. From the second year onwards, there is no annual fee.

The PNB RuPay Platinum Credit Card offers simple and useful benefits for everyday spending. The card has no joining or annual fee as long as it is used at least once every quarter, making it an easy and affordable option.

The HDFC Bank Millennia Credit Card is made for young people, especially those born in the 1990s. It’s an easy-to-use credit card with an annual fee of ₹1,000. This card is great for those who shop online often.

The Bank of Baroda Eterna Credit Card is a premium card that comes with several helpful features. As a welcome gift, you get a free FitPass Pro membership and 10,000 bonus reward points. The card provides unlimited free access to domestic airport lounges, complimentary golf lessons, and air accident insurance worth ₹1 crore.

The IDBI Bank Imperium Platinum Credit Card is a secured credit card backed by a fixed deposit. The credit limit is based on a percentage of the fixed deposit, making it a good option for those with a limited credit history.

The AU Fi MagniFi Credit Card is made for people who spend more on weekends rather than on luxury travel or airport lounges. It is best for young professionals, first-time card users, and anyone who wants good value from their spending.

The American Express SmartEarn Credit Card lets you earn reward points on everyday purchases. You can earn extra points when shopping on popular websites like Zomato, EaseMyTrip, Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra, with 10X points on these platforms and 5X points on Amazon.

The Kotak League Platinum Credit Card is a lifetime-free credit card that helps you earn reward points on your everyday spending. You get 8 Reward Points for every ₹150 spent on selected categories such as flight bookings, travel services, electrical stores, departmental stores, and consumer durable purchases.

The HSBC TravelOne Credit Card is a great option for frequent travelers, offering 4 Reward Points per ₹100 spent on travel, including flights and international purchases.

The Federal Bank Celesta Credit Card is available in both Visa and Mastercard types. It offers useful benefits for travel, lifestyle, and entertainment. As a welcome gift, new cardholders receive an Amazon voucher worth ₹600.

The RBL Bank ShopRite Credit Card helps you save on everyday shopping. It gives reward points for grocery purchases and discounts on movie tickets booked through BookMyShow. There’s no annual fee, making it a budget-friendly choice.

YES Bank has recently introduced a customizable credit card called the YES Bank BYOC Credit Card, where BYOC stands for 'Build Your Own Card.' It has a monthly fee of Rs. 49, and you may need to pay a one-time charge if you wish to customize the card’s material.

The ICICI Coral Credit Card offers rewards on dining, entertainment, and travel, with up to 2 points per ₹100 spent and 10,000 bonus points yearly. It provides discounts on movie tickets, free airport and railway lounge access, and savings on fuel and dining.

The SBI SimplySAVE Credit Card is a good option for people just starting with credit cards. You’ll need to pay ₹499 each year for this card, and when you get it, you’ll receive 2,000 bonus reward points as a welcome gift.

The Bank of Baroda Easy Credit Card is a rewards credit card that also offers cashback. It comes with an annual fee of ₹500, which is waived upon spending ₹35,000 in a year. Cardholders earn 5 reward points per ₹100 spent on movies, groceries, and department stores, while all other expenses earn 1 reward point per ₹100.

The PNB RuPay Select Credit Card is an easy-to-use card that comes with simple benefits for everyday spending. You pay a joining fee of ₹500 and get 300 bonus Reward Points when you receive the card. The annual fee is ₹750, but you can avoid paying it if you make at least one retail purchase every quarter.

The RBL Bank QuickPay Credit Card is a basic, entry-level credit card from RBL Bank, which also offers co-branded cards like the ShopRite Credit Card and premium options such as the RBL World Safari. Unlike higher-end RBL cards that come with travel benefits and extra rewards, this card is designed for beginners.

The EazyDiner Platinum Credit Card by IndusInd Bank offers 25% off when you dine at popular restaurants. It has no joining or renewal fees for life, making it great for people who love dining out.

The IDBI Euphoria World Credit Card is a great option for those looking for rewards and savings. It has no joining fee and gives you 3 Delight Points for every Rs. 100 spent, with double points on flight, hotel, and bus bookings, including IRCTC.

The PNB EMT RuPay Platinum Credit Card is a travel-focused credit card offered by Punjab National Bank with EaseMyTrip. It is suitable for people who often book flights, hotels, or holidays. The card has a joining fee of ₹2,000, but the annual fee can be waived if you spend more than ₹1 lakh in a year.

The American Express Platinum Travel Credit Card is a premium credit card in India, offering great benefits. You get welcome rewards and milestone rewards in the form of Membership Rewards Points. These points can be redeemed for travel-related expenses like flights, hotels, and car bookings on the Amex Travel Online portal.

The Axis Bank ACE Credit Card works with Google Pay and Visa to give you 5% cashback when you pay utility bills such as electricity, gas, water, and internet using the Google Pay app. You also get 4% cashback when you use apps like Swiggy, Zomato, and Ola for your spending.

The YES Bank RESERV Credit Card, previously known as the First Exclusive Credit Card, is a premium offering from Yes Bank designed to compete with HDFC Bank's Regalia Gold Credit Card. It's ideal for people who enjoy luxurious and convenient services.

The Standard Chartered Ultimate Credit Card was launched in September 2017 and is the most premium card offered by the bank. It’s designed for people with high incomes who want to enjoy luxury benefits without giving up on comfort or lifestyle.

The ICICI Bank  Rubyx Credit Card is India’s first dual platinum credit card, offering both Visa and Mastercard versions under one account. It is ideal for frequent travelers and big spenders, with a joining fee of ₹3,000 and an annual fee of ₹2,000.

The Kotak Air Credit Card is a simple travel credit card for people who want to earn Air Miles on their regular spending. The card has a joining and annual fee of ₹999 + GST, and you get 1,000 bonus Air Miles when you join and another 1,000 Air Miles every year on renewal.

The HSBC Visa Platinum Credit Card is an entry-level card from HSBC Bank with no joining or annual fee. It offers exclusive benefits to customers. You earn 2 Reward Points for every ₹150 spent, and you get 5X Reward Points when your total spending reaches ₹4 lakhs in a year.

The BOBCARD Etihad Guest Credit Card is a travel credit card for people who fly with Etihad Airways. It helps you earn air miles easily while giving travel perks like airport lounge access and a low foreign exchange fee. You earn 3 Etihad Guest Miles for every ₹100 spent on Etihad flights and 1 Mile per ₹100 on other purchases.

The SBI SimplyCLICK Credit Card is a basic and affordable option for those new to credit cards, especially if you shop online often. It gives 10X reward points on popular websites like Cleartrip, Myntra, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Swiggy.

The Swiggy HDFC Bank Credit Card is a great choice for those who regularly order from Swiggy. It offers a great 10% cashback on all purchases made on Swiggy platforms, such as food delivery, Instamart, Dine Out, and Genie.

The PNB Global Gold Credit Card is a basic and easy-to-use credit card with no joining fee. You earn 1 Reward Point for every Rs. 100 you spend on normal shopping, and you can earn extra points when you use the E-bill option. These points can be redeemed for different products and categories.

The American Express Platinum Charge Card is a high-end credit card aimed at people who enjoy luxury and exclusive benefits. It comes with an annual fee of ₹66,000 + GST, and offers amazing perks like memberships to premium hotels, free access to airport lounges, and invitations to special VIP events.

The IDBI Bank Royale Signature Credit Card is a basic shopping card with no annual fee, making it a good choice for beginners. It comes with a few travel perks, such as free domestic lounge access and air accident insurance of Rs. 25 lakh.

The RBL Bank SalarySe UP Credit Card is a fully virtual credit card launched by RBL Bank in partnership with SalarySe, designed for people who prefer digital payments over carrying a physical card.

The Federal Bank Visa Imperio Credit Card is a lifetime free card made for people who focus on family needs. It offers up to 3 Reward Points for every ₹150 spent, helping you earn benefits on daily expenses. You also get exclusive perks like a Buy 1 Get 1 Free offer on movie tickets through INOX and BookMyShow every quarter.

The Standard Chartered Beyond Credit Card is a premium credit card for customers with a strong banking relationship. It has a joining fee of ₹15,000 + GST and offers welcome benefits of similar value. From the second year, the annual fee is ₹25,000 + GST if you don’t meet the required Funds Under Management (FUM).

The Kotak Solitaire Credit Card is a special metal card offered by Kotak Mahindra Bank for people who travel a lot. It is invite-only and free for life if you are a Solitaire banking customer, with no joining or annual fees. You earn 10 Air Miles for every ₹100 you spend on travel through Kotak’s Unbox platform.

The YES Bank Select Credit Card is a great option for those who want to earn rewards while spending. Previously known as the YES Bank Prosperity Edge Card, it comes with a joining fee of ₹599 and offers exciting benefits like reward points, travel perks, fuel surcharge waivers, and fee waivers.