Best Rewards Credit Cards for Everyday Spending

Joining Fee: Rs. 2,500

Renewal Fee: Rs. 2,500 (Waived off on spending Rs. 4 lakh in a year)

HDFC Regalia Gold Credit Card is one of the best credit cards for rewards that provides benefits across multiple categories such as travel, dining, and shopping. However, the good redemption rate and exclusive redemption catalogue, makes this card a suitable option for frequent travellers. The annual fee charged on this card is Rs. 2,500. Here are other details regarding this HDFC Credit Card:

Reward Benefits:

• 4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
• 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
• 1 Reward Point = Rs. 0.65 against Exclusive Gold Catalogue
• 1 Reward Point = Rs. 0.50 against Flights and Hotel Bookings
• 1 Reward Point = 0.5 Airmile
• 1 Reward Point = Up to Rs. 0.35 against Products and Voucher Purchase
• 1 Reward Point = Rs. 0.20 against Cashback/Statement Balance

Additional Benefits:

• 12 complimentary domestic airport lounge visits
• 6 complimentary international lounge visits with Priority Pass for primary and add-on member*
• Spend Rs. 1.5 Lakh and get Rs. 1,500 voucher from Myntra, Marriott, M&S or Reliance Digital
• Spend Rs. 5 Lakh and get Rs. 5,000 flight voucher
• Spend Rs. 7.5 Lakh and get additional Rs. 5,000 flight voucher

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

Suggested read: Best Online Shopping Credit Cards | Check Eligibility for Similar Cards

Joining Fee: Rs. 2,999

Renewal Fee: Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)

SBI Prime is one of the best credit cards for reward points in India. It is best suited for you, if you use credit cards for basic expenses such as grocery, dining, departmental store purchases, etc., and intend to earn reward points on your spending that can be further redeemed for various other benefits. The card also provides complimentary lounge access to both domestic and international lounges which can be an added benefit. Some of the important details regarding this credit card are mentioned below:

Reward Benefits:

• 20 reward points for every Rs. 100 spent on your birthday
• 10 reward points on every Rs. 100 spent on dining, groceries, departmental stores and movies
• 2 reward points on every Rs.100 spent on all other expenses except for fuel spends
• 4 Reward Points = Re. 1

Additional Benefits:

• Welcome gift worth Rs. 3,000 from brands like Bata/Hush Puppies, Yatra.com, Pantaloons, Shoppers Stop, etc.
• Complimentary Club Vistara Silver Membership
• 4 international and 8 domestic lounges in a year (Max. 2 in each quarter for each type)
• 9 Club Vistara points on every Rs. 100 spent on booking Vistara flights

Suggested read: Best Travel Credit Cards in India | Check Eligibility for Similar Cards

Joining Fee: Rs. 3,000 (Nil for Burgundy clients)

Annual Fee: Rs. 3,000 (Nil for Burgundy clients)

Axis Bank SELECT Credit Card offers benefits across major spending categories, including travel, entertainment, groceries, and more. Cardholders can earn accelerated reward points on select categories along with discount on BigBasket and Swiggy – covering two major categories, i.e., grocery and dining. Cardholders can earn 2X reward points on retail (offline) spends, which enhances the overall value of this card as most cards offer a base reward rate on offline spends. Moreover, Complimentary Priority Pass membership with up to 12 international lounge visits annually and a low forex markup fee makes it a suitable choice for frequent travellers.

Reward Benefits:

• 10 EDGE reward points on every Rs. 200 spent
• 20 EDGE reward points per Rs. 200 spent on retail transactions
• Redeem reward points at a value of 1 EGDE Reward Point = Re. 0.20
• 10,000 EDGE reward points worth Rs. 2,000 on the first transaction made within 30 days of card issuance
• 5,000 EDGE reward points on spending Rs. 3 Lakh in a card anniversary year

Additional Benefits:

• 20% off in a month on BigBasket on a minimum transaction value of Rs. 3,000
• 200 off, twice a month on spends at Swiggy, on a minium order value of Rs. 1,000
• 6 complimentary international lounge access per calendar year
• Additional 6 international lounge visits per year by spending Rs. 3 Lakh or more in a calendar year
• 2 complimentary domestic lounge visits per quarter on spending Rs. 50,000 in the previous quarter
• 6 complimentary golf rounds per year & additional 6 visits on spending Rs. 3 Lakh annually

Joining Fee: Rs. 495

Renewal Fee: Rs. 495 (Waived off on spending Rs. 40,000 or above annually)

American Express SmartEarn™ Credit Card is one of the best rewards credit cards in India that gives good value back on your purchases. This credit card is suited for people who frequently shop online and are looking for a card that offers benefits on brands like Amazon, Flipkart, etc. Apart from cashback, you can also earn other privileges with this card, such as bonus cashback, fee waiver, gift vouchers and more. Below mentioned are the details regarding this credit card:

Reward Benefits:

• 10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon and Uber
• 5X Membership Rewards Points on every Rs. 50 spent on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and more
• 1 Membership Rewards Point for every Rs. 50 spent on other categories except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale

Additional Benefits:

• Rs. 500 cashback as a welcome gift on spending Rs. 10,000 in the first 90 days of card membership
• Vouchers worth Rs. 500 each on achieving the spending milestone of Rs. 1.20 lakh, Rs. 1.80 lakh and Rs. 2.40 lakh, respectively in a card membership year
• Convert purchases into EMI at the point of sale with an interest rate as low as 14% p.a. and zero foreclosure charges
• 0% convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps
• 1% convenience fee on fuel purchases above Rs. 5,000 at HPCL Petrol Pumps

Suggested read: Best Shopping Credit Cards in India | Check Eligibility for Similar Cards

Joining Fee: Rs. 500

Annual Fee: Rs. 500 (Waived off on spending Rs. 50,000 or more in a year)

HDFC MoneyBack+ Credit Card is an upgraded variant of HDFC MoneyBack Credit Card. The card offers accelerated reward points on popular brands such as Amazon, Swiggy, BigBasket, and more. Unlike other cards, MoneyBack+ also offers accelerated rewards on EMI spends, making it a good option for big-ticket purchases. However, this credit card does not offer any travel-related benefits, such as complimentary lounge access. People looking for a credit card offering benefits on daily expenses can opt for this card.

Reward Benefits:

• 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
• 5X CashPoints on EMI spends at merchant locations
• 2 CashPoints per Rs. 150 spent on other categories
• Redeem CashPoints at a value of 1 CashPoint = Re. 0.25
• 500 CashPoints on the payment of joining fee and renewal fee

Additional Benefits:

• Gift voucher worth Rs. 500 on reaching quarterly spends of Rs. 50,000 or more
• 1% fuel surcharge waiver (Max. Rs. 250 per month) on transactions between Rs. 400 and Rs. 5,000

Joining Fee: Rs. 1,000

Annual Fee: Rs. 1,000 (Waived off on annual spends of Rs. 2 Lakh or more)

Axis Bank Rewards Credit Card is a migrated variant of Citi Rewards Credit Card. The card offers accelerated rewards on day-to-day categories, such as departmental stores and apparel. Besides this, cardholders can also avail benefits on dining, food delivery, travel, and fuel. This is a suitable option for people looking for a credit card with decent reward benefits, primarily focused on shopping. Below mentioned are some of the key features that make this one of the best credit cards for reward points:

Reward Benefits:

• 5,000 EDGE reward points on spending Rs. 1,000 within 30 days of card issuance
• 2 EDGE reward points on every Rs. 125 spent
• 20 EDGE reward points per Rs. 125 spent on department stores and apparel
• 5 EDGE Reward Points / 10 EDGE Reward Points = 1 Partner Point
• 1,500 EDGE reward points on spending Rs. 30,000 in a statement cycle
• Membership benefits worth Rs. 1,000 every anniversary year

Additional Benefits:

• Up to 30% off on Swiggy, twice a month on order worth Rs. 200 or above
• Up to 15% off on dining at partner restaurants under Axis Bank Dining Delights Program
• 2 complimentary domestic airport lounge access every quarter
• 1% fuel surcharge waiver (Max. Rs. 400 per month) on all fuel transactions between Rs. 400 and Rs. 5,000

Joining Fee: Nil

Renewal Fee: Nil

IDFC FIRST Select Credit Card is a lifetime free credit card that is best suited for people who frequently shop online. One of the unique features of this credit card is that it comes with a dynamic interest rate model, which means the interest rate is decided based on user’s profile. This is a right option for people who are looking for a superior rewards program, travel benefits and round-the-year offers. Some of the other details of this credit card are as follows:

Reward Benefits:

• 10X reward points on incremental purchases greater than Rs. 20,000 per billing cycle
• 3X reward points on purchases up to Rs. 20,000 per month
• 1X reward points on insurance premium and utility bill payments
• 3X reward points on rental and property management transactions
• 1X reward point = 1 Reward Point per Rs. 150 spent

Additional Benefits:

• Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card set-up
• 5% cashback on your first EMI transaction made within 30 days of card set-up
• Buy 1 get 1 offer on booking movie tickets booked via Paytm mobile app
• 2 complimentary domestic lounge access per quarter on spending Rs. 20,000 in a month
• 4 complimentary railway lounge access per quarter
• Low forex markup fee of 1.99%

Suggested read: Best Super Premium Credit Cards | Check Eligibility for Similar Cards

Joining Fee: Rs. 250

Renewal Fee: Nil

Standard Chartered Platinum Rewards Credit Card focuses on reward points along with offers on dining and movies and comes with an annual fee of Rs. 250. The best part about this card is that you get 5X reward points on fuel spends as well. It is almost rare for an entry-level credit card to provide such benefits on fuel spends. Most cards do not provide any benefit on fuel transactions. So, if you are new to credit and need an entry-level credit card that provides decent rewards on your dining and fuel transactions, you can opt for this card.

Reward Benefits:

• 5 reward points for every Rs. 150 spent on dining and fuel
• 1 reward point for every Rs. 150 spent on all other categories

Additional Benefits:

• Joining fee waiver on spending Rs. 500 or more within 30 days of card issuance
• Instant approval without any documentation

Suggested read: Best Entry-level Credit Cards | Check Eligibility for Similar Cards

Confused whether you want a rewards credit card? Take a look at some of the best credit cards for different categories: