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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
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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

    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I came to know about Bank bazaar through Social Media .This website is doing a very good service and can get update about credit score since it is a free service can check whenever required it is very much useful .This portal is easy to access and gain knowledge as well .I am completely satisfied on using this portal ,Even we can get details about marketing information as well .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 20, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which i have taken through Bank directly .I am using this credit card for the past 8 years.This is a free card and there was no issues faced so far ,There are really good reward points and cash back offers and also extra reward point will be received on this card .
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jul 20, 2019
    • Citibank Credit Card
      "Good for all transactions"
      0.5 5.0/5 "Blown Away!"
      This card gave me more reward points even I have option to convert those points into cash, I got the rewards card it gives benefits for all transactions. The credit limit is okay for me, the grace period is there to make the payment. Since 2 years I am using this card its good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2019
    • IndusInd Bank Credit Card
      "Need lots of improvement"
      0.5 3.0/5 "Satisfactory"
      Indusind gave me the good limit but the customer support and mobile app is not upto the mark. Most of time the app won''t function properly I used to see the error message, last two weeks I am trying to convert one transaction into emi, then I called to their customer support. One time I tried after 8 pm the call was not connected.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2019
    • YES Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Yes Bank credit card which i have got through Online .The card process was clearly explained by the agent and the credit limit was really good as well .This is a free credit card and there are good reward points as well as cash back offers .I have not faced any issues so far on using this card ,It is very easy to access .
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jul 20, 2019
    • Axis Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      The process with Axis Bank for the credit card is fine. There are no hassles in the usage of the card. The limit is good and there are good deals as well. The customer services and response is good too and they respond to my queries on time. I am also okay with the credit limit.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 20, 2019
    • ICICI Bank Credit Card
      "Good Coral Card"
      0.5 4.5/5 "Excellent!"
      I have coral card from ICICI it giving lots of cash back and reward points are good for the most of outlet. Its a non chargeable card when I spend certain limit of transaction. They keep enhancing the limit and the card accessibility is good as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2019
    • Bank of Baroda Credit Card
      "Need to use the card a lot"
      0.5 4.0/5 "Great!"
      I have got a credit card from Bank of Baroda. They have provided me a lots of offers but I'm not getting a chance to use it. They provide good insurance to you. After i took the loan, they have called me and provided me a free card with a good limit. I'm not tried their customer care service even though i hold for 8 months
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2019
    • ICICI Bank Credit Card
      "Very Good Card"
      0.5 4.0/5 "Great!"
      Currently I'm holding a Rubyx card and i will recommend people to go for this card since it has a lots of offers. I get a buy1+get1 movie tickets and basically they provide two credit cards like the same credit card account, they provide two cards which is Amex and master card. I do get the airport launch access as well. If they are trying better offers, it would be fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2019
    • HSBC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      HSBC is a free card to use. I'm not satisfied with the customer care and we need to wait for 10 to 15 minutes to reach and the service is poor. They always want to market their products instead of answering the customer. I got the welcome benefits like if i do some transaction the cashback got credited.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2019
    • RBL Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I got RBL BANK credit card . I have applied this card recently , yet to get this card it was in process . But the moment i applied the customer support has done the proper follow up . Everything has been done online and the process was very simple . They came to my place to collect doctment .
      Was this review helpful? 2
      , kochi
      Reviewed on Jul 20, 2019
    • SBI Cards Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      SBI is one of the best card to use because even small transactions also can be converted into EMI. There are plenty of offer available and they are going to increase my limit. In restaurants, jewelry, movie ticket, i get a discounts and rewards points. SBI is providing a excellent customer care service.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Jul 20, 2019
    • HDFC Bank Credit Card
      "Good but can improve on reward point redemption"
      0.5 4.0/5 "Great!"
      Since one year I am using HDFC jet privilege credit card, best thing they are prompt in their service. I am getting reward points for the transactions but all the points converting into Jp miles it would nice if they other options like mobile recharges, travel booking, hotel ticket. I am holding chargeable card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I bought the STANDARD CHARTED BANK Online. I've been using this card for a past 1 year . This card is better.So far it has been a good experience with the card. The whole application and the documentation process was smooth and hassle free. No annul charges is there .
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 20, 2019
    • ICICI Bank Credit Card
      "Facilities are good"
      0.5 5.0/5 "Blown Away!"
      ICICI is a good card to use and we can get the proper information from the customer care officer. We can convert our purchase into EMI as well. In one shot, they have increased my limit upto Rs. 6000. I'm getting the rewards points which i haven't utilized till now. Overall, i'm satisfied with the services.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with ICICI BANK . I ma holding this card for past few months . I use this card for shopping , traveling , petrol and for so many purpose . They offered good credit limit here and service is also good . Features are good here and it is life time free card .
      Was this review helpful? 1
      , kochi
      Reviewed on Jul 20, 2019
    • HDFC Bank Credit Card
      "I'm not satisfied with the service"
      0.5 5.0/5 "Blown Away!"
      In HDFC, i could not able to convert my purchase into EMI and for last 4 years, i have been using the card with HDFC. I haven't know about the variant of my card. I got the limit of Rs. 50000 and i haven't received any offer for credit limit enhancement. I am planning to disconnect with my HDFC credit card.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I have HDFC BANK credit card . The process of getting the card was easy and the documentation part is also smooth . I do not have to pay annul fee it is life time free card . The credit limit which they offered was good i do not have any issue with that . Overall it is good experience with this card.
      Was this review helpful? 1
      , kochi
      Reviewed on Jul 20, 2019
    • Bank Bazaar Credit Card
      "Bankbazaar can provide all the guidance to new comers"
      0.5 4.0/5 "Great!"
      I got a full support from the bankbazaar customer care service people. I get a lots of information regarding the financial products through bankbazaar website. There was a good guidance and proper information has given. From 2016, i am using the bankbazaar website and its my 4th purchase with bankbazaar.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 20, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using the services of BANK BAZAAR for the last one year and the services of them had been good. I had been using their mobile application which has been quite convenient in using and i used to check about credit cards through them. Their customer support team has ben quite responsive and had been helpful.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 20, 2019
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