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  • Rewards Credit Cards in India

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  • Rewards credit cards offer the primary advantage of reward points program and their redemption options. The reward points help you save your hard-earned money and give you the best experience of using a credit card.

    By spending with these cards on popular categories like online and merchant store shopping, travel and holidays, dining, etc., you earn reward points in bulk. Also, to redeem the accumulated points, you get a number of good and diverse options.

    Top Rewards Credit Cards In 2020

    Credit Card Variant Joining Fee Annual Fee

    YES Prosperity Reward Plus Credit Card

    NIL (limited time offer)

    NIL (limited time offer)

    HSBC Smart Value Credit Card

    NIL

    Rs.499

    Citi Rewards Card

    Rs.1,000.

    Rs.4,500

    HDFC Moneyback Credit Card

    Rs.500.

    Rs.4,500

    HDFC Freedom Credit Card

    Rs.500

    Rs.500

    YES Prosperity Rewards Credit Card

    NIL (limited time offer)

    NIL (limited time offer)

    Standard Chartered Platinum Rewards credit card

    Rs.250

    Rs.250

    ICICI Coral American Express Credit Card

    Rs.500

    Rs.500

    Standard Chartered Landmark Rewards Platinum

    NIL

    Rs.250

    IndusInd Bank Platinum Card

    NIL

    NIL

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    1st Year Fee
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    PA PL OTP
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    100% PAPERLESS APPROVAL
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    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    500
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    Reduced to 0 If annual spends > 30,000 1000
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    Features And Benefits Of The Top Rewards Credit Cards

    YES Prosperity Reward Plus Credit Card

    Key Highlights: With this card, you can earn reward points on popular and diverse categories like international transactions, shopping, dining, etc. This is one of the best options for people looking for premium privileges on their credit card.

    Joining Fee: NIL (limited time offer)

    Renewal Fee: NIL (limited time offer)

    Joining Bonus: On spending Rs.5,000 within 30 days of the card issuance, you earn 1,250 reward points.

    Features and benefits:

    • Accelerated reward points on birthday spends and international POS and e-commerce transactions.
    • Attractive offers on categories like dining, wellness, shopping, etc.
    • Insurance cover in the unfortunate event of the primary cardholder's accidental death.
    • Fuel surcharge waiver on fuel transactions of Rs.400 to Rs.5,000 anywhere in India.

    Regular reward points

    2 reward points for every Rs.100 spent across all retail categories

    Accelerated reward points

    3 reward points for every Rs.100 spent on dining and online categories

    4 reward points for every Rs.100 on international purchases.


    5 reward points for every Rs.100 on birthday spends.


    500 reward points for each YES PayNow registration.

    Redemption options

    JPMiles (4RP = 1 JPMile)

    An exclusive list of products.

    Milestone rewards

    12,000 bonus reward points on yearly spends of a minimum of Rs.3.6 lakh.


    100 RP on doing 4 transactions of at least Rs.500 each in a month.

    HSBC Smart Value Credit Card

    Key Highlights: Save your hard-earned money by availing the 10% cashback that this card offers. The 3X accelerated rewards points and the special BookMyShow and Cleartrip would enhance your experience of using the card.

    Joining Fee: NIL

    Renewal Fee: Rs.499. Waived off if the sum of all the spends in the previous year is Rs.50,000 or more.

    Introductory offers:

    Voucher worth Rs.200 from BookMyShow within 60 days of the issuance of the card.

    Subscription to Gaana+ for 3 months within 60 days of the issuance of the card.

    Features and benefits:

    • 3X reward points on online, telecom and dining spends.
    • Voucher worth Rs.2,000 from Cleartrip and voucher worth Rs.250 from Amazon within 30 days of the issuance of the card.
    • On doing 5 transactions with a minimum total value of Rs.5,000 within 60 days of issuance of the card, you get 10% cashback.
    • EMI purchases at an attractive interest rate of 10.99% p.a. within 90 days of the issuance of the card.

    Regular reward points

    1 reward point for every Rs.100 spent on any category.

    Accelerated reward points

    3X reward points for telecom, dining, and hotel spends

    Redemption options

    Vouchers and gift listed on the HSBC rewards catalogue.

    HDFC Freedom Credit Card

    Key Highlights: Enjoy unmatched reward points and gift vouchers with the Freedom credit card. You also get free accidental death insurance, fire and burglary protection, etc.

    Joining fee: Rs.500

    Renewal fee: Rs.500. Waived off if the total spending in the previous year is over Rs.60,000.

    Joining bonus: 500 reward points when the joining fee is paid.

    Features & benefits:

    • Accelerated reward points on retail, HDFC SmartBUY, PayZapp, and birthday spends.
    • Gift vouchers worth Rs.1,000 on yearly spends of at least Rs.90,000.
    • Accidental insurance of up to 50 lakh.

    Regular reward points

    1 reward point for every Rs.150 spent

    Accelerated reward points

    5X RP for popular lifestyle spends; 10X RP for HDFC PayZapp and SmartBUY spends; 25X RP for birthday spends

    Redemption options

    Cashback and gifts from the HDFC rewards catalogue.

    Milestone rewards

    Gift vouchers worth Rs.1,000 on yearly spends of at least Rs.90,000.

    YES Prosperity Rewards Credit Card

    Key Highlights: It enables you to earn quick reward points by spending on multiple top categories like dining, retail, online, and international spends. Other attractions are the welcome bonus, the annual bonus, and the lifestyle benefits.

    Joining Fee: NIL (limited time offer)

    Renewal Fee: NIL (limited time offer)

    Joining Bonus: On spending Rs.2,500 within 30 days of the card issuance, you earn 1,000 reward points.

    Features and benefits:

    • Accelerated reward points on birthday spends and international POS and e-commerce transactions.
    • Attractive offers on categories like dining, wellness, shopping, etc.
    • Fuel surcharge waiver on fuel transactions of Rs.400 to Rs.5,000 anywhere in India.
    • Convert any transaction of Rs.2,500 or above to EMI at attractive interest rates.

    Regular reward points

    1 reward point for every Rs.100 spent across all retail categories.

    Accelerated reward points

    2 reward points for every Rs.100 spent on dining and online categories.

    3 reward points for every Rs.100 on international spends.


    4 reward points for every Rs.100 on birthday spends.


    500 reward points for each YES PayNow registration.

    Redemption options

    JPMiles (4RP = 1 JPMile)

    An exclusive list of products.

    Milestone rewards

    10,000 bonus reward points on yearly spends of a minimum of Rs.1.8 lakh.

    100 RP on doing 4 transactions of at least Rs.500 each in a month.

    Standard Chartered Platinum Rewards credit card

    Key Highlights: It comes with a host of offers and discounts across popular categories like dining, shopping, travel, etc. alongside an excellent reward points program. Also, there are the other regular benefits of a credit card.

    Joining Fee: Rs.250

    Renewal Fee: Rs.250 (2nd year onwards)

    Features and benefits:

    • Up to 5X reward points on lifestyle spends.
    • Contactless facility for safer and faster payments at merchant points.
    • Attractive deals on popular categories through the Standard Chartered Good Life programme.
    • Convert the entire balance of up to Rs.5 lakh to EMI with zero processing fee.
    • Convert any transaction of over Rs.5,000 to EMI.

    Regular reward points

    1 reward point for every Rs.150 on retail spends.

    Accelerated reward points

    5 RP for every Rs.150 spent on fuel and dining.

    Redemption options

    RP can be used for e-vouchers and gifts from the Standard Chartered catalogue.

    ICICI Coral American Express Credit Card

    Key Highlights: Enjoy payback points in bulk alongside other privileges like airport and railway lounge access, and free movie ticket offers.

    Joining Fee: Rs.500

    Renewal Fee: Rs.500 (2nd year onwards)

    Features and benefits:

    • 15% discount at over 2500 participating restaurants in India.
    • 2 complimentary movie tickets per month through the 'Buy 1 Get 1 free' offer on BookMyShow.
    • Complimentary access to participating airport and domestic railway lounges in India.
    • 2X reward points on online spends.
    • 1% fuel surcharge waiver for fuel transactions at HPCL pumps.

    Regular reward points

    1 payback point on every Rs.100 spent on insurance and utilities.

    Accelerated reward points

    2 payback points on every Rs.100 on retail purchases.

    4 payback points on every Rs.100 spent on online transactions.

    Redemption options

    Movie tickets, travel vouchers, lifestyle products, appliances, mobiles, and appliances.

    Milestone rewards

    2,000 payback points on yearly spends of Rs.2 lakh. 1,000 payback points on yearly spends of Rs.1 lakh.

    Standard Chartered Landmark Rewards Platinum

    Key Highlights: Earn reward points in bulk and redeem them when you shop at Landmark affiliated stores. Also enjoy cashback offers and the complimentary vouchers worth Rs.2,800.

    Joining Fee: NIL

    Renewal Fee: Rs.250 (2nd year onwards)

    Features and benefits:

    • 9X reward points on spending at Landmark affiliated stores.
    • Special offers and discounts on travel, shopping, and dining.
    • 5% cashback on grocery shopping at SPAR stores.
    • Convert the entire balance of up to Rs.5 lakh to EMI with zero processing fee.
    • Convert any transaction of over Rs.5,000 to EMI.

    Accelerated reward points

    9X reward points on every Rs.200 spent on Landmark stores like Max, Lifestyle, and Home Centre.

    Redemption options

    RP can be redeemed instantly at Landmark affiliated stores.

    Eligibility To Apply For Rewards Credit Cards

    Credit Card Variant Eligibility criteria

    YES Prosperity Reward Plus Credit Card

    21 years to 60 years

    Salaried or self-employed

    Minimum net salary - Rs.25,000 per month or min. Income Tax Return of Rs.5 lakhs.

    Also available against Fixed Deposit.

    HSBC Smart Value Credit Card

    18 to 65 years

    Salaried or Self Employed

    Minimum salary Rs.3 lakh p.a.

    Available in Chennai, Bangalore, Hyderabad, Gurgaon, New Delhi, Mumbai, Kolkata, Noida, and Pune.

    American Express Membership Rewards Credit Card

    Income - 6 lakh p.a.

    An Indian resident

    Available in Coimbatore, Chennai, Bangalore, Hyderabad, Jaipur, New Delhi/NCR, Ahmedabad, Vadodara, Mumbai, Indore, Surat, Chandigarh, and Pune

    HDFC Freedom Credit Card

    21 years to 60 years (salaried individuals)

    21 years to 65 years (self-employed individuals)

    Monthly income - Rs.12,000 or Income Tax Return of Rs.2 lakhs.

    YES Prosperity Rewards Credit Card

    21 years to 60 years

    Salaried or self-employed

    Minimum net salary - Rs.25,000 per month or min. Income Tax Return of Rs.5 lakhs.

    Standard Chartered Platinum Rewards Credit Card

    21 years to 65 years

    The individual belongs to credit cards sourcing cities or locations of the bank.

    Standard Chartered Landmark Rewards Platinum

    21 years to 65 years

    The individual belongs to credit cards sourcing cities or locations of the bank.

    Check Eligibility For The Rewards Credit Cards Online

    You can use the BankBazaar website and check your eligibility for your desired rewards credit card.

    • Just visit bankbazaar.com and decide on the card that you want to apply for.
    • Click the 'Check Eligibility' button placed next to it and answer the set of questions that appear.

    Documents Required To Apply For The Rewards Credit Cards

    The exact list of documents depends on the issuer of the card and it also varies from card to card. However, there are certain documents which are common to most of the cards.

    These common documents have been listed below. In addition to these, the bank may also ask for additional documents when you apply for the card.

    Proof of Identity

    Any one of the following

    Aadhaar card

    PAN Card

    Ration Card

    Passport

    Voter's ID card

    Driving license

    Address proof

    Any one of the following

    Ration card

    Electricity bill

    Passport

    Electricity bill

    Rental agreement

    Aadhaar card

    Income proof (salaried individuals)

    Recent salary slip/s

    Salary certificate

    Employment letter

    Income proof (For self-employed)

    Certified financials

    Audited profit and loss statement or balance sheet

    Recent ITR (Income Tax Returns)

    Others

    Form 60 or PAN card copy

    Photograph

    How To Apply For The Rewards Credit Cards?

    BankBazaar is an official partner for some of the cards listed above. You can apply for these cards directly from the BankBazaar website. It also saves your precious time by allowing you to upload the documents in a fast and safe way.

    Some of the other prominent advantages of applying for credit cards on BankBazaar are a chance to check your credit score for free, instant eligibility check for the card, instant approval for eligible individuals, free gift, and rapid processing of your application.

    To apply on BankBazaar, do the following:

    • Click the 'Check Eligibility' button set next to your desired card.
    • Next, verify your eligibility for the card by answering the questions that you are asked.
    • As you are now redirected to the application page of the card, enter the information asked for and click 'Submit' .
    • Upload the documents and select 'Submit'.

    You will receive your Application ID on successfully submitting of the application and the documents. Use this ID to track your application by visiting ' Track Application '.

    To apply for the non-partner credit cards, you need to visit the bank's official website for credit card application.

    Benefits Of Rewards Credit Cards

    Reward points programmes available on credit cards vary from one credit card to another. However, there are certain common benefits offered by most of the reward points programmes.

    Listed below are a few benefits offered by rewards credit cards.

    • Rewards on every transaction: You can earn reward points on most of the transactions done with your credit cards. Only a few transactions such as gold, fuel, cash advances, fees and charges are not eligible for reward points. A minimum amount should be spent on each transaction to become eligible for reward points. The same points, after reaching a cut off, can be redeemed for rewards and other gifts from the bank's rewards catalogue.
    • Accelerated rewards: Not only can cardholders earn reward points for minimum spends, they can also earn accelerated reward points on selected categories of spends. The categories eligible for accelerated reward points differ from one card to another and are mostly based on the credit card type. In co-branded credit cards,more rewards points will be offered on purchases related to credit card partner's product or services. For instance, a co-branded fuel credit card will offer more reward points on fuel transactions compared to regular transactions.
    • Milestone rewards: For reaching certain milestones with respect to credit card transactions or spends, the bank will offer a bundle of reward points as milestone bonus. Cardholders can earn a huge lot of reward points by achieving such milestones.
    • Exciting rewards: After accruing a certain number of reward points, cardholders will be eligible to redeem the same for various category of products listed in the company's rewards catalogue. Each bank has its own rewards catalogue that features products including electronics, home appliances, apparels, etc. Some cards will also provide an option to redeem rewards points for cash against the outstanding on the card.

    Types of Rewards Credit Cards in India

    Some of the common Reward Credit cards types that are available are as follows -

    • Travel Rewards Credit Cards
    • Dining/Shopping Rewards Credit Cards
    • Entertainment Rewards Credit Card
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Card Reviews

    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was taken through bank. I am using this card for the past 1.5 years only .There are very useful cash back offers as well as reward points and there are converting EMI option as well. I am really satisfied with the card service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 27, 2020
    • Citibank
      Citibank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have CITI Bank credit card which was availed through online .Everything is good to me so far and using this mostly for shopping .I have this credit card for the past 2 to 3 months only .The credit limit was very less it was 60,000 only .I am really satisfied with the service so far .
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 27, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through bank .I amn using this credit card for the past 3 years ,The rate of interest and the processing fee was nominal .There is an option of converting EMI .The credit limit was average and there was discounts on shopping and the credit limit was average .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      There was no reason for taking a credit card from Indusind bank. I have got the card this month hence i have not activated it. My previous card was blocked due to some technical issue. They gave me a credit limit of Rs. 50000. Overall, I'm not much satisfied with the services provided by this bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • YES Bank Credit Card
      "Good service and issue in netbanking should intimate "
      0.5 4.0/5 "Great!"
      My YES Bank credit card limit is very less they given Rs. 15k. This is a life time free card, my salary is in this bank based on that i got this card offer. Mostly i use this card for shopping, customer service was good some times due to down time not able to use net banking but otherwise service was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 27, 2020
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have SBI FBB style up credit card which is very good to use .There are discounts on shopping will be getting 15 % to 20 % and also getting dinning offers .I am using this credit card for the past 1 month only.This was a chargeable card and if i spend 32,000 to 40,000 then the charges will be waived off .
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 27, 2020
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through bank.This was a coral card and have fuel benefits .There are movie ticket offers and have discounts of 15% for groceries .I am not using movie tickets and the credit limit was sufficient .There was no drawbacks faced so far on using this credit card.
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 27, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I'm getting a good benefits from HDFC credit card. I have been using this card for more than 1 year and they have not increased my credit limit right now. There is no annual fee if i transact Rs. 500 and more in a month. Right now lots of special offer is going on in the market.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      No charges taken from Indusind bank credit card regarding the annual fee or joining fee. I have not started using this card. I called the customer care service for the pin generation and they were very helped me a lot. For the Indusind bank credit card, there are lots of offers coming in the market.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 27, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken ICICI Bank credit card which was taken through bank.I am using this credit card for the past 3 years ,There is an option of converting EMI ,using this credit card very frequently .This was a life time free card and there a was no difficulties faced .I am satisfied with the service so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have applied INDUSIND Bank credit card through online. It is a life time free credit card. I have a credit limit of 50K, which is sufficient. EMI conversion options are available at the rate interest 16% and the processing fee varies according to amount.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card and the credit limit was 34,000 it was satisfied .This was a chargeable card need to pay Rs.499 on yearly .I am using this service very frequently and it is almost 1 year .I have got 4000 reward points on this card for shopping. I am using this card for fuel it is very frequently used from my end.
      Was this review helpful? 0
      , salem
      Reviewed on Jan 27, 2020
    • Citibank Credit Card
      "Need to improve mobile application"
      0.5 3.0/5 "Satisfactory"
      I have applied CITI bank credit card through online. The credit limit offered from bank is 60K, which is not sufficient. If I do the payment it takes around 3 days to get updated in my card. Mobile application is not up to mark, it is hard to check the balance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • Axis Bank Credit Card
      "Best Service"
      0.5 4.5/5 "Excellent!"
      I am using Axis Bank credit card which was taken through Online.I am using this credit card for the past 2.5 to 3 years .There is an option of converting EMI which is very useful .Everything is good on this card and it was a hassle free process.I am satisfied with the service so far .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      YES bank credit card service is really fine because their executive came to pick up the documents. I'm fine with the credit limit. I have got to know about the offers but i haven't started using it. Its a life time free credit card and i have received the card on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • HDFC Bank Credit Card
      "Best Service"
      0.5 4.5/5 "Excellent!"
      I have HDFC Bank credit card which was taken through bank directly. I am using this credit card for the past 8 months ,There are movie ticket offers ,fuel benefits and airport lounge access .The credit limit was satisfied and there was no drawbacks faced so far .I am satisfied with the credit limit and converting EMI option is also avail.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have applied INDUSIND credit card through online as it was pre approved card. I use to get cash back for fuel. It is a life time free credit card. EMI conversion options are available, I received the call from executive and they converted it. I have a credit limit of 1L, which is sufficient as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • Kotak Credit Card
      "Keep up the good work"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak Mahindra bank credit card for more than 6 months. I'm getting the benefits like discounts. Within 6 months, they have given me a opportunity to upgrade the card as well as to increase the credit limit. They have own offers in their app and rate of interest also less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Try to keep up with the customer"
      0.5 2.0/5 "Expected more"
      After getting the credit card from INDUSIND Bank by 2 days, they have blocked the card and they have not informed me anything in prior. I called the customer care also but the they said due to some internal policies, they have rejected my card. If they are providing the card, it should be for a longer period and they should inform the customer at the earlier stage itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • YES Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using Yes Bank credit card which was taken through online.This card is very useful and comfortable nowadays .I am using this credit card almost 5 years and not faced any drawbacks so far,The credit limit was satisfied and this was a life time free card.I am really happy with the service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
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