Best reward points credit cards

Heads-up: A feature left switched on keeps charging its fee every 90 days, and per-feature fees are easier to lose track of than a single annual…

Heads-up: The 5X rate caps at 1,000 Reward Points a month, about Rs. 20,000 of CSD, grocery and departmental store spending.

Heads-up: The reward is digital gold, so its rupee value moves with the gold price and it cannot be taken as statement credit.

Heads-up: Airport lounge access was discontinued on this card with effect from 7 March 2025, and older reviews still list it as a benefit.

Heads-up: 1 reward point per Rs. 100 at Rs. 0.25 a point is 0.25% back, low even against other entry cards.

Heads-up: Every transaction must be Rs. 500 or more to earn any Reward Point at all.

Heads-up: The base rate of one Star per Rs. 500 is 0.2% back, among the lowest in this catalogue.

Heads-up: The Rewards and EMI buttons work only at a physical point of sale, and not on online, MoTo, IVR, Samsung Pay or ATM cash withdrawal…

Heads-up: 3.49% foreign currency markup, which eats into the card's own 12-point international rate.

Heads-up: The accelerated layer begins only above Rs. 20,000 of retail spend in a month; below that the card earns the base 4 points per Rs. 150.

Heads-up: This card is secured against a fixed deposit of Rs. 2,000 or more. The deposit is locked for as long as the card is held.

Heads-up: A Reward Point is worth about Rs. 0.25, so the headline multipliers convert at a quarter of their face value.

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points — a longer list than several issuers…

Heads-up: Rewards arrive only at monthly spend milestones. Individual transactions earn nothing, and a month under Rs. 5,000 earns nothing at all.

Heads-up: The base rate is 3 Reward Points per Rs. 100 at Rs. 0.10 a point, which is 0.3% back — far below what a cashback card pays on the same…

Heads-up: 10X stops at 500 Membership Rewards Points a month and 5X at 250. The 10X cap is shared across Flipkart, Uber, BookMyShow and others, and a…

Heads-up: 1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.

Heads-up: RBL does not publish a rupee value per point for this card, so the up to 10X headline cannot be converted into a percentage return.

Heads-up: 1 Reward Point per Rs. 100 is 0.25% back at the published point value — among the lowest rates in this catalogue.

Heads-up: 2 Reward Points per Rs. 150 is a modest base rate, and the value depends entirely on which airline or hotel programme the points are…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points, which also narrows which categories…

Heads-up: Bank of Baroda states an age window of 25 to 55 for this card, with anything outside it at its own discretion — one of the narrowest in the…

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.

Heads-up: 4 Reward Points are worth Re. 1, so 10 points per Rs. 150 is an effective 1.67% back and the base rate is about 0.17%.

Heads-up: The 10-point rate stops at 1,000 reward points a month across dining, groceries, entertainment and international together — about Rs.…