Best Reward Points Credit Cards in India 2026

Why we picked it: 1,000 bonus points every month for 4 transactions of ₹1,500, giving very high returns for moderate spenders.

• 1,000 bonus MR points on 4 transactions of ₹1,500+ a month
• Extra bonus points on ₹20,000 monthly spend
• Redeem via 18K/24K Gold Collection for high value
• Annual fee waived on ₹1.5 lakh yearly spend

No points on fuel, insurance or utilities. Amex isn't accepted at every merchant and doesn't work on UPI.

Why we picked it: 1,000 bonus points a month for 6 transactions, with no preset spending limit.

• 1,000 bonus MR points on 6 transactions of ₹1,000+ a month
• No preset spending limit
• Redeem via 18K/24K Gold Collection
• Taj, Marriott & dining offers

This is a charge card, so the full bill must be paid every month. No points on fuel or utilities.

Why we picked it: 5% NeuCoins on Tata brands and 1.5% everywhere else, with 1 NeuCoin worth ₹1.

• 5% NeuCoins on BigBasket, Croma, Tata CLiQ, 1mg, Westside
• 1.5% NeuCoins on UPI via Tata Neu UPI ID (RuPay)
• 1.5% NeuCoins on all other spends
• Domestic + international lounge access

UPI through other apps earns only 0.5%, and UPI rewards are capped at 500 NeuCoins a month. NeuCoins can only be used within Tata brands.

Why we picked it: 10X points on Flipkart and Uber, as a low-fee way to start earning Amex points.

• 10X points on Flipkart, Uber & partner brands
• 5X points on Amazon, Swiggy & Zomato
• 1 point per ₹50 on other spends
• Fee waived on just ₹40,000 yearly spend

10X points are capped at 500 a month across all 10X merchants. No points on fuel or utilities.

Why we picked it: Milestone points and a Taj voucher for high annual spenders.

• 10,000 bonus MR points on ₹4 lakh yearly spend
• ₹20,000 Taj Experiences voucher on ₹7 lakh yearly spend
• Up to 8 domestic lounge visits a year
• Redeem points via Travel Collection

From Oct 2026, lounge visits need ₹1 lakh of spend in the previous quarter. Milestones were revised in Sep 2026.

Why we picked it: About 3.3% value-back with 1:1 redemption on flights, hotels and air miles.

• 5 reward points per ₹150 (≈3.3% when redeemed 1:1)
• Unlimited airport lounges for you and add-ons
• Club Marriott & ITC hotel benefits
• Unlimited golf, 2% forex markup

Invite-only. From 2026, redemptions are limited to 5 per month and keeping the card reportedly needs ₹18 lakh yearly spend or ₹50 lakh relationship value.

Why we picked it: The same 3.3% reward rate as Infinia, and easier to get.

• 5 reward points per ₹150 (≈3.3% via SmartBuy and air miles)
• Unlimited airport lounges worldwide
• Complimentary memberships (e.g. Swiggy One, Amazon Prime) on spend
• Low forex markup

Diners Club isn't accepted everywhere. The fee waiver threshold is reported differently by sources, so check before you rely on it.

Why we picked it: 4X points on travel and instant transfers to about 20 airline and hotel partners.

• 4X reward points on airlines, travel aggregators & forex
• 2X reward points on other eligible spends
• 6 domestic + 4 international lounge visits a year
• Instant transfers to airline & hotel partners

Why we picked it: EDGE Miles transferable to airline partners.

• 5 EDGE Miles per ₹100 on travel (up to ₹2 lakh/month)
• 2 EDGE Miles per ₹100 on other spends
• Tier milestones with bonus miles
• Domestic & international lounges by tier

In 2026 several transfer partners were removed or moved to weaker ratios/lower caps, and new applications have reportedly been paused at times. Check before applying.