Top Rewards Credit Cards in India: Maximize Your Benefits

Q: What are rewards credit cards?

Rewards credit cards offer points, cashback, or other benefits for every purchase you make with the card.

Q: How do I choose the best rewards credit card in India?

Consider your spending habits, annual fees, and the types of rewards offered to find the best card that suits your needs.

Q: What is the advantage of using a rewards credit card?

The advantage is earning rewards like cashback, points, or miles, which can be redeemed for various perks, effectively saving money on your purchases.

Q: Are there any fees associated with rewards credit cards?

Yes, most rewards credit cards come with annual fees, but the benefits often outweigh the costs if used wisely.

Q: How can I maximize the rewards on my credit card?

Maximize rewards by using the card for purchases in categories that offer the highest reward rates and ensuring timely payments to avoid interest.

Team PaisaSimple • February 15, 2025

Explore the best rewards credit cards in India, offering cashback, points, and lifestyle perks tailored to your spending habits.

Discover the Best Rewards Credit Cards in India

In the world of personal finance, credit cards are like the Swiss Army knife of payments. They come packed with features that cater to different needs, especially when they offer rewards. Let’s dive into some of the top rewards credit cards in India and see what they bring to the table.

HDFC Regalia Gold Credit Card: A Golden Opportunity

The HDFC Regalia Gold Credit Card is your golden ticket to a world of rewards. With a modest annual fee of Rs. 2,500, this card offers a whopping 20 reward points for every Rs. 150 spent at popular stores like Nykaa and Myntra. It’s like getting a bonus every time you shop! Plus, the exclusive Gold Catalogue for reward redemption adds a touch of luxury to your spending.

Axis Bank SELECT Credit Card: Select Your Rewards Wisely

Imagine getting 10X EDGE Reward Points on your favorite platforms like Zomato and Flipkart. That’s exactly what the Axis Bank SELECT Credit Card offers. With an annual fee of Rs. 3,000, it’s perfect for those who love to dine out and shop online. And the Rs. 500 cashback welcome benefit makes it even more enticing.

American Express SmartEarn™ Credit Card: Smart Spending, Smart Earning

With an annual fee of just Rs. 495, the American Express SmartEarn™ Credit Card is like a smart shopper’s best friend. It offers 10X Membership Rewards® Points on popular platforms and a fee waiver on spending Rs. 40,000 annually. It’s like getting rewarded for being smart with your money!

HDFC MoneyBack+ Credit Card: Money Back in Your Pocket

Who doesn’t love getting money back? The HDFC MoneyBack+ Credit Card, with a fee of Rs. 500, gives you 10X Cash Points on major online platforms. It’s like a cashback bonanza every time you shop!

IDFC FIRST Power+ Credit Card: Power Up Your Spending

This card, with an annual fee of Rs. 499, is ideal for those who want rewards and cashback on various categories. It’s like having a power boost every time you swipe your card!

SBI Cashback Credit Card: Cash in on Cashback

The SBI Cashback Credit Card offers a generous 5% cashback on all online spends. With an annual fee of Rs. 999, it’s like getting a little extra every time you make an online purchase.

Axis Bank Reserve Credit Card: Reserve the Best for Yourself

If you love luxury, the Axis Bank Reserve Credit Card is your go-to option. With unlimited lounge visits and a low forex mark-up fee, it’s like traveling in style wherever you go.

ICICI Bank HPCL Coral Credit Card: Fuel Your Savings

No annual fee and 4% cashback on fuel purchases make the ICICI Bank HPCL Coral Credit Card a great companion for your car journeys. It’s like getting rewarded every time you fill up your tank!

YES Bank Paisabazaar PaisaSave Credit Card: Save While You Spend

With 3% Cashback Points on e-commerce spends, this card, with a fee of Rs. 499, ensures you save while you spend. It’s like having a little piggy bank that grows with every purchase.

These credit cards offer a variety of rewards, cashback, and lifestyle perks. Choosing the right one depends on your spending habits and preferences. So, pick the one that suits your lifestyle and start reaping the benefits!