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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 2019

    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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    Bankbazaar Rewards Credit Cards in India
    We found 6 Credit Card
    Card
    1st Year Fee
    Rewards
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    0
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    0
    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
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      It is very complicate to connect to customer service of ICICI bank. I have been using the Ferrari card for more than 1 year. It is a free card from 2nd year onwards. The credit limit is sufficient for 50 thousands. EMI option is applicable. I am using this card for purchasing purpose. Based on the usage I get reward points and cash back. There is no much benefits. For up gradation they detecting the amount of 2500 rupees.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to decrease interest charges"
      0.5 5.0/5 "Blown Away!"
      SBI offered a IRCTC credit card and I have been using for more than 1 year. It is a life time free credit card from 2nd years onwards. EMI option is applicable but charges are high. I use this card for ticket booking purpose for train and provide discount as well.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank regalia credit card for more than 3 years. For 1st year it was an annual fee chargeable. 2nd year onwards free card. The credit limit is given for one lakh. EMI option applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 months before only I have taken money back credit card with HDFC bank. I got an offered from their end. It is an annual fee chargeable of 2400 rupees. The credit limit is sufficient of 42 thousands. I am not aware about an EMI option. I use for shopping and fuel purpose. Within 20 days I received a card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied for a credit card with INDUSIND bank on a month before which was processed through online. On time I received a call from their end for further processing. The credit limit is sufficient. Since I have an account with them I got an offer to apply for a credit. I used to get salary on a weekly basis to convert monthly basis it take few months so closed from my end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2019
    • SBI Cards Credit Card
      "Need to provided rewards points and cash back"
      0.5 4.0/5 "Great!"
      Through SBI, I had got an offer for a credit card to apply and got one year before. It is a simply save card. The credit limit is given for 20 thousands for a low one. EMI option is applicable and charges are nominal. I use this card for shopping and fuel purposes. Based on the usage I didn't get reward points and cash back so far.
      Was this review helpful? 0
      , mysore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Really good for transactions"
      0.5 4.0/5 "Great!"
      ICICI Credit card service is really good. They have offered me a credit limit of Rs. 56K and they have not increased my credit limit so far even though i use the credit card for past 2 years. I get the offers like cashbacks and discounts. They are sending the offer messages on a regular basis.
      Was this review helpful? 0
      , vellore
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am using HDFC BANK credit card and it was a better experience. Its been 2 years and it was hassle free. The credit limit is sufficient and every year, they were increasing the limit as per my usage. The customer service is really good. I never been charged for late payments. The interest is 15% for EMI conversion which is reasonable but not converted yet.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The credit card limit is low in ICICI BANK and its only 20K which have been using it for past 6months. I am using the card for Amazon online purchase because they are providing 10% discounts. The annual fee is not applicable. The payment mode is easy.
      Was this review helpful? 0
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum credit card for the past one year. It is a life time free credit card. I received a card on time. The credit limit is not much sufficient of 20 thousands only. EMI option is applicable and charges are nominal. By his card I bought only one mobile phone and monthly paying for an EMI of 2700 rupees.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 15, 2019
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Axis My Zone card which was taken through Bank directly.The credit limit was really sufficient and it was upto 75,000.There are good reward points as well as cash back offers which is very useful.I have got all the relevant details about the card process very clearly through the agent and this card is good to use as well.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which i am using for the past 14 years.This was a free card and there was no difficulties faced so far on using this card .There are very good reward points and cash back offers which is really useful.I have Platinum card which is also good for me.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 14, 2019
    • RBL Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I use the RBL credit card for last 2 months. I actually trying for the money tap app, from that they directly contacted me and sent me a credit card. Documentation was a online process and one executive came to my office got the signature and took the photo.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • Citibank Credit Card
      "Convenient loan service"
      0.5 5.0/5 "Blown Away!"
      With CITI bank, I am holding the CITI premier miles card and it almost having a discounts on coupons. They keep on mailing me about the offers. The given credit limit is Rs. 57000 which is fine for me. It has a app and everything can be handled with the help of it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was applied through Bank and got the card .I am using this credit card for the past 6 years.The credit limit was sufficient and there was no difficulties faced so far on using this card.I have got the credit card on time ,There are very useful reward points as well as cash back offers.
      Was this review helpful? 0
      , nellore
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank .I am using this credit card for the past 2 years ,The credit limit was good and this was a free card and there are good cash back offers as well as reward points ,This card is veryb useful and comfortable .I am really satisfied with the service so far .
      Was this review helpful? 0
      , erode
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 9 months and this card is having good cash back offers and reward points as well.This was a chargeable card and if spend 90,000 the charges will be wived off .I am really satisfied with the service so far on using this credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am having ICICI credit card for the past 8 years. Since I am holding a salary account with them they offered for the credit card and no documents submitted. It is an annual fee chargeable of 500 rupees. The credit limit is low given for 30 thousands only. EMI option is applicable and charges are nominal. I use this card for shopping and to pay for the loan. Based on the usage I get reward points.
      Was this review helpful? 1
      , erode
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India credit card which was taken through Bank directly .I am using this credit card for the past 6 months .The credit limit was very less and got all the details about the card process very clearly .I am really satisfied with the service so far on using this credit card.
      Was this review helpful? 1
      , bellary
      Reviewed on Oct 14, 2019
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