Best 16 Reward Credit Cards In India 2022 | Top 16 Reward Credit Cards In India 2022

The reward points earned from a proper credit card can go beyond its value. With the right reward card, you can make big savings on shopping and everyday expenses, make a big deposit on your travel fund, and lots more. But the most challenging part is finding the right credit card. 

That’s why in this article we have discussed our favorite 16 reward credit cards. Go through them and hopefully, it will help you to find your choice.

• Table of Contents

  American Express SmartEarn Credit Card

When it comes to powerful rewards at an affordable rate, there are a few credit cards that can compete with the american express smartearn credit card. Offering powerful rewards on online transactions, a 0% convenience fee on fuel purchase, and lost card liability coverage, this card brings so much value with it that is more than enough to justify the Rs. 499 annual fee. Read the complete american express smartearn credit card review to know more about this card.

What are the American Express SmartEarn Credit Card charges?

• American Express Credit Card joining fee: Rs. 495 + GST
• American Express Credit Card annual fee: Rs. 495 + GST

100xGain Rating:

7/10

What are the major benefits of the American Express SmartEarn Credit Card?

• You can earn up to 10X reward points for every Rs. 50 transaction.
• There is a 0% convenience fee on fuel purchases.
• You will also get a low-cost EMI option available on this american express credit card.

Pros and Cons:

Pros	Cons
The rate of earning American Express Credit Card rewards is very impressive. You will not have to pay any convenience fee for fuel purchases. There is also an annual fee waiver option available on this American Express Card.	You will not get any dining benefits from this Amex Credit Card.

*For queries like; how to activate a new american express smartearn credit card or how to check american express smartearn credit card status, then make sure to take a look at our faq page.

• Axis Bank Platinum Credit Card

If you are looking for powerful reward points at an affordable rate, then you’d love the axis bank platinum credit card. While the card charges Rs.200 as an annual fee, it lets you enjoy powerful rewards on every transaction, huge discounts on dining bills, exclusive cashback on movie tickets, and lots more. You can find more about the benefits from the complete axis bank platinum credit card review.

What are the Axis Bank Platinum Credit Card charges?

• Axis Bank Platinum Credit Card joining fee: Rs. 500 + GST
• Axis Bank Platinum Credit Card annual fee: Rs. 200 + GST

100xGain Rating:

7/10

What are the major Axis Bank Visa Platinum Credit Card benefits?

• The axis bank platinum credit card offers up to 6 reward points for every Rs.200 transaction.
• You can bag up to a 15% discount on your dining bills.
• You will also get a 25% discount on movie tickets booked offline.
• You can earn up to Rs. 400 waiver on fuel surcharges. 

Pros and Cons:

Pros	Cons
The rate of earning axis bank platinum credit card reward points is quite impressive. This card offers big discounts on dining and movies. You can make some good savings from fuel surcharges.	There are no travel benefits on this axis bank visa platinum credit card.

*If you are curious about the axis bank platinum credit card activation process, then make sure to take a look at the 100xGain FAQ page.

• Citi Rewards Credit Card

If getting rewarded for every transaction seems beneficial to you, then you would love the citi rewards credit card. Targeting the shopaholics this card offers powerful rewards on online and offline shopping, huge discounts on dining bills, exclusive waivers on fuel surcharges, and lots more. Make sure to read the complete citi rewards credit card review to know more about the benefits.

What are the Citi Rewards Credit Card charges?

• Citi Rewards Credit Card joining fee: This will be communicated at the time of sourcing.
• Citi Rewards Credit Card annual fee: This will be communicated at the time of sourcing.

100xGain Rating:

7/10

What are the major Citi Rewards Credit Card benefits?

• Under the citi credit card rewards program you can earn up to 10 reward points for every Rs.125 transaction. 
• There is also a 20% discount on your dining bills. 
• This citi rewards credit card offers a 1% waiver on fuel surcharges. 

Pros and Cons:

Pros	Cons
The rate of earning Citi Credit Card Reward Points is quite impressive. You can earn a handsome discount on your dining bills. It’s a quite simple and straightforward credit card which makes it ideal for beginners.	There are no travel or entertainment benefits on this Citi Bank Rewards Credit Card.

*If you want to know about; how to activate citi rewards credit card or how to check rewards points in citi citibank credit card then make sure to take a look at our faq page.

• HDFC Bank Freedom Credit Card

Those who want to get the freedom of earning benefits should take a look at the hdfc bank freedom credit card. Targeting the Millennials HDFC bank has staffed this card with exclusive benefits. From shopping to dining and online food order to movies, this card has everything to offer us. A detailed description of the benefits can be found in the complete hdfc bank freedom credit card review.

What are the HDFC Bank Freedom Credit Card charges?

• HDFC Bank Freedom Credit Card joining fee: Rs. 500 + GST
• HDFC Bank Freedom Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7.5/10

What are the major HDFC Bank Freedom Credit Card benefits?

• The hdfc bank freedom credit card offers up to 10X reward points for every Rs.150 transaction.
• There is also a 15% discount on your dining bills.
• You can earn up to Rs.250 waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
The rate of earning reward points on this card is quite impressive. There is a handsome discount on dining at premium restaurants. You can also earn a handsome waiver on fuel surcharges.	There are no movie or golf benefits on this card. You will not get any travel benefits from this card.

*If you want to know about the hdfc bank freedom credit card pin generation process then make sure to take a look at our faq page.

• Kotak Mahindra League Platinum Credit Card

The kotak mahindra league platinum credit card is unmatched when it comes to premium privileges and powerful rewards. It is a semi-premium credit card that offers a plethora of premium privileges like huge discounts on golf rounds, attractive discounts on dining bills at premium restaurants, exclusive deals on lifestyle products, etc. You can find more about the benefits from the complete kotak mahindra league platinum credit card review.

What are the Kotak Mahindra Bank League Platinum Credit Card charges?

• Kotak League Platinum Credit Card joining fee: Rs. 500 + GST
• Kotak League Platinum Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

7.5/10

What are the major Kotak Mahindra League Platinum Credit Card benefits?

• This kotak league platinum credit card offers up to 8X reward points for every Rs.150 transaction.
• You can earn up to a 10% discount on your dining bills at Taj restaurants.
• You can earn up to Rs. 3500 annual waiver on fuel surcharges.
• You can also win some free movie tickets from milestone spending.

Pros and Cons:

Pros	Cons
This card offers some exclusive discounts on dining and fuel surcharges. There are also some free movie tickets on milestone spends. This Kotak Mahindra platinum league credit card has a very impressive reward earning rate.	The Taj membership is only valid for the first year. You need to spend Rs. 2 lakh within a year to unlock the 8X reward offer.

• HDFC Bank Platinum Edge Credit Card

The hdfc bank platinum edge credit card is a perfect blend of convenience and affordability. Targeting the millennials HDFC bank has stuffed this card with exclusive benefits like; reward points on every transaction, exclusive discount on dining, big waiver on fuel surcharges, etc. Read the complete hdfc platinum edge credit card review to know more about this card.

What are the HDFC Platinum Edge Credit Card fees?

• HDFC Platinum Edge Credit Card joining fee: Rs. 1000 + GST
• HDFC Platinum Edge Credit Card annual fee: Rs. 1000 + GST

100xGain Rating:

7.5/10

What are the major HDFC Platinum Edge Credit Card benefits?

• Using this card, you can earn up to 2 reward points for every Rs.150 transaction.
• This hdfc platinum edge credit card offers 50% extra rewards on dining expenses.
• You can earn up to Rs. 250 monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
The rate of earning HDFC Platinum Edge Credit Card reward points is very good. You can also earn extra rewards on dining expenses. You can also earn a good monthly waiver on fuel surcharges.	The HDFC Platinum Edge Credit Card fees seem a bit high. There are no entertainment or travel benefits on this card.

*If you want to know about how to generate pin for hdfc platinum edge credit card then make sure to take a look at the 100xGain faq page.

• ICICI Bank Visa Signature Credit Card

The icici bank visa signature credit card is one of the most popular credit cards among Indian credit card users. While it charges an enormous Rs. 25,000 joining fee, it lets you enjoy; Free access to airport lounges, accelerated hand-picked rewards on every transaction, exclusive deals and dining, and lots more. You can find more about the benefits from the complete review.

What are the ICICI Visa Signature Credit Card charges?

• ICICI Visa Signature Credit Card joining fee: Rs. 25,000 + GST
• ICICI Visa Signature Credit Card annual fee: Rs. 2,000 + GST

100xGain Rating:

7/10

What are the major ICICI Visa Signature Credit Card benefits?

• This card gives you 10 reward points for every Rs.100 transaction.
• You can also earn up to 10 reward points for every Rs.100 transaction made on dining.
• You will also get a chance to spend your weekends in style with complimentary golf access.
• This card also comes with a multilingual concierge service.

Pros and Cons:

Pros	Cons
The rate of earning reward points is very impressive. You will get some free golf rounds. You can also earn some extra reward points from your dining expenses.	There are no travel booking benefits on this card. The joining fee is exceptionally huge.

• HDFC Bank Diners Club Black Credit Card

The hdfc bank diners club black credit card is one of the most popular credit cards of India. Targeting the notch section of Indian credit card users this card offers; free access to airport lounges, complimentary golf rounds, a built-in insurance coverage protection, and a reward scheme that can make your every transaction rewarding. You can find more about the benefits from the complete hdfc bank diners club black credit card review.

What are the HDFC Bank Diners Club Black Credit Card charges?

• HDFC Diners Club Credit Card joining fee: Rs. 10,000 + GST
• HDFC Diners Club Credit Card annual fee: Rs. 10,000 + GST

100xGain Rating:

8.5/10

What are the major HDFC Bank Diners Club Black Credit Card benefits?

• This card offers up to 5 reward points for every Rs.150 transaction.
• You will get access to domestic and international airport lounges.
• You will also get a chance to spend your holidays more delightfully with complimentary golf rounds.
• There is also a lost card liability coverage of Rs. 9 lakh on this card.

Pros and Cons:

Pros	Cons
This card offers a very impressive reward earning rate. You can enjoy free access to domestic and international airport lounges. You will also get some complimentary golf rounds with this card.	The annual fee seems a bit high.

• Citi Bank First Citizen Credit Card

The citi bank first citizen credit card is specially curated for frequent Shoppers Stop customers, and as you can guess this card is specialized in offering shopping-related benefits. Apart from that, you will get some exclusive deals on dining and travel booking, and also some free movie tickets every month. Make sure to read the complete review to know more about this card.

What are the Citi First Citizen Credit Card charges?

• First Citizen Citi Credit Card joining fee: None.
• First Citizen Citi Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major benefits of the Citi First Citizen Credit Card?

• This card offers up to 14 reward points for every Rs.200 transaction.
• You can bag up to a 10% discount on travel booking from MakeMyTrip.
• There is also a 15% discount on your dining bills.
• You can also earn some exclusive deals on duty-free shopping.

Pros and Cons:

Pros	Cons
This card offers a very good reward earning rate. There are some very attractive deals on travel booking, shopping, and dining. The annual fee is very reasonable.	The shopping benefits are available only on Shoppers Stop outlets or websites.

*If you want to know about how to check first citizen citi credit card application status then feel free to take a look at our faq page.

• Kotak Mahindra Royale Signature Credit Card

The kotak mahindra royale signature credit card is unmatched when it comes to luxury and affordability. Targeting the notch section of Indian credit card users, this card offers; exclusive deals on hotel booking, free access to airport lounges, powerful rewards on every transaction, and lots more. Make sure to read the complete kotak mahindra royale signature credit card review to know more about this card.

What are the Kotak Mahindra Bank Royale Signature Credit Card charges?

• Kotak Royale Signature Credit Card joining fee: Rs. 1499 + GST
• Kotak Royale Signature Credit Card annual fee:  Rs. 999 + GST

100xGain Rating:

8/10

What are the major benefits of the Kotak Mahindra Bank Royale Signature Credit Card?

• This kotak royale signature credit card offers up to 4X reward points for every Rs.150 transaction.
• You can also earn some extra reward points for hotel booking.
• This card offers up to 2 free access to Visa airport lounges.
• You can also earn some extra rewards from milestone spending.

Pros and Cons:

Pros	Cons
This card is very good for travel booking. You will get free access to airport lounges. This card offers a very good reward earning rate.	There are no dining or entertainment benefits on this card.

• RBL World Max Supercard

If you want to add a touch of luxury to your travel experience then the rbl world max supercard will be a decent choice for you. While this card charges Rs. 2999 as an annual fee, it lets you enjoy; free access to airport lounges, exclusive deals on dining, free movie tickets every month, and a multilingual concierge service to take care of your needs. To know more about the benefits, make sure to read the complete rbl bank world max supercard review.

What are the RBL Bank World Max Supercard charges?

• RBL Bank World Max Supercard joining fee: Rs. 2999 + GST
• RBL Bank World Max Supercard annual fee: Rs. 2999 + GST

100xGain Rating:

8/10

What are the major RBL World Max Supercard benefits?

• This card offers 2 reward points for every Rs.100 transaction made using this card.
• This card offers up to 6 free access every year to most of the domestic airport lounges.
• You can also earn up to 20 reward points for every Rs.100 spent on dining.
• You can also earn some free movie tickets every month. 

Pros and Cons:

Pros	Cons
You can get free access to most of the domestic and international airport lounges. This card has a very powerful reward scheme.	There are no travel booking benefits on this bajaj RBL World Max Supercard. This card does not offer anything shopping categories.

• SBI Prime Credit Card

The sbi prime credit card is one of the most popular credit cards among Indians. Offering free access to airport lounges, exclusive deals on hotel booking, and reward points on every transaction, this card brings so much value with it, that it can outrank most other premium credit cards. You can find more about the benefits from the complete sbi prime credit card review.

What are the SBI Prime Credit Card charges?

• SBI Credit Card Prime joining fee: Rs. 2999 + GST
• SBI Prime Credit Card annual fee: Rs. 2999 + GST

100xGain Rating:

8/10

What are the major SBI Prime Credit Card benefits?

• This sbi prime credit card offers you up to 20 reward points for every Rs.100 transaction.
• You can get free access to domestic and international airport lounges.
• This card also offers some exclusive deals on hotel booking.
• You can also earn up to Rs. 250 monthly waiver on fuel surcharges. 

Pros and Cons:

Pros	Cons
This SBI Prime Visa Credit Card offers you free access to domestic and international airport lounges. There are some exclusive deals on travel booking on this card. This card offers a very good reward earning rate.	You will not get any dining benefits from this SBI Visa Prime Credit Card. This card does not offer anything in the movie and entertainment categories.

*If you want to know about the sbi prime credit card pin generation process or if you are curious about how to pay sbi prime credit card bill offline, then make sure to take a look at our faq page.

• RBL Shoprite Credit Card

If you are a shopping enthusiast and looking for a credit card that can add value to your transactions, Then you should definitely take a look at the rbl shoprite credit card. Offering reward points on every transaction, exclusive deals on movies, and zero convenience fee on fuel purchase, this card brings so much value with it, that is enough to justify the Rs. 500 annual fee. Read the complete rbl bank shoprite credit card review to know more about the benefits.

What are the RBL Shoprite Credit Card charges?

• RBL Shoprite Credit Card joining fee: Rs. 500 + GST
• RBL Shoprite Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major RBL Shoprite Credit Card benefits?

• This rbl shoprite credit card offers up to 20 reward points for every Rs.100 transaction.
• You can also earn a 10% discount on movie tickets booked through BookMyShow.
• There is also an annual fee waiver option available on this shoprite rbl credit card.
• You can earn up to Rs. 100 monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This card offers an exclusive discount on movie tickets booked from BookMyShow. This card offers a very good reward earning rate. You can also earn a handsome waiver on fuel surcharges.	There are no dining benefits available on this card. You will not get any travel booking benefits from this RBL Bank Shoprite Credit Card.

*For queries like; how to check rbl shoprite credit card application status or how to activate your RBL bank credit card for the first time, you can visit our faq page.

• SBI Simply Save Credit Card

There are a few credit cards available in India that can replace the sbi simply save credit card when it comes to powerful rewards. Targeting the shopping enthusiasts this card offers extra rewards on shopping and dining expenses, an exclusive waiver on fuel surcharges, and several other useful features, this card can offer you huge monthly savings. You can find more about the benefits from the complete sbi simply save credit card review.

What are the SBI Simply Save Credit Card charges?

• SBI Simply Save Credit Card joining fee: Rs. 499 + GST
• SBI Simply Save Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

7.5/10

What are the major SBI Simply Save Credit Card benefits?

• This sbi simply save credit card offers up to 10 reward points for every Rs.100 transaction.
• You can also earn some extra rewards from your dining expenses.
• There is also an Rs. 100 monthly waiver on fuel surcharges.
• There is also an annual fee waiver option available on this card.

Pros and Cons:

Pros	Cons
This card offers a very good reward earning rate. You can also earn a handsome waiver on fuel surcharges.	There are no travel benefits on this card.

*For queries like; how to generate sbi simply save credit card pin or how to pay sbi simply save credit card bill offline, you can visit our faq page.

• IndusInd Bank Platinum Aura Edge Credit Card

The indusind bank platinum aura edge credit card is unmatched when it comes to powerful rewards and premium benefits at an affordable rate. Offering reward points on every transaction, free access to airport lounges, and complimentary insurance coverage protection, this card brings so much value with it that it can outrank most of the lifestyle credit cards available in India. You can find more about the benefits from the complete indusind bank platinum aura edge credit card review.

What are the IndusInd Bank Platinum Aura Edge Credit Card fees?

• IndusInd Bank Platinum Aura Edge Credit Card joining fee: None.
• IndusInd Bank Platinum Aura Edge Credit Card annual fee: None.

100xGain Rating:

7.5/10

What are the major IndusInd Bank Platinum Aura Edge Credit Card benefits?

• The indusind bank platinum aura edge credit card offers up to 4 reward points for every Rs.100 transaction.
• This card gives you 8 free yearly access to most of the frontline airport lounges.
• You will get complimentary accidental insurance coverage of Rs, 25 lakh with this card.
• You can also earn a good waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This IndusInd Bank Platinum Aura Edge Credit Card offers you free access to premium airport lounges. The rate of earning reward points on this card is quite impressive. You will also get complimentary accidental and travel insurance coverage with this IndusInd Aura Edge Platinum Credit Card.	There are no dining and entertainment benefits on this IndusInd Bank Aura Edge Platinum Credit Card.

• Yes Prosperity Rewards Plus Credit Card

If you are looking for a credit card for everyday usage, then you should take a look at the yes prosperity rewards plus credit card. With powerful rewards on every transaction, exclusive waiver on fuel surcharges, and huge milestone benefits, this card can make your every transaction rewarding. More benefits of the card are discussed in the complete yes prosperity rewards plus credit card review.

What are the Yes Prosperity Rewards Plus Credit Card charges?

• Yes Prosperity Rewards Plus Credit Card joining fee: Rs. 499 + GST
• Yes Prosperity Rewards Plus Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

6.5/10

What are the major Yes Bank Prosperity Rewards Plus Credit Card benefits?

• This yes bank prosperity reward plus credit card offers up to 6 reward points for every Rs.200 transaction.
• You can earn up to 12,000 bonus points as a milestone reward.
• This yes prosperity rewards plus credit card offers a big waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This yes bank prosperity rewards plus credit card features a very good reward earning rate. You can earn a big waiver on fuel surcharges. There is also an annual fee waiver option available on this card.	There are no dining benefits on this card. You will not get any movie benefits from this yes bank prosperity reward plus credit card.