Expert Selection 2026
Best Credit Cards for rewards
Unlock exclusive rewards and premium benefits with our handpicked list of the finest credit cards tailored specifically for rewards. Compare, choose, and apply for the card that fits your lifestyle.
Recommended Cards (10)
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Top Choice
KOTAK MAHINDRA BANK LTD
IndiGo 6E Rewards XL
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- ₹3,000 IndiGo ticket & ₹1,099 6E Prime add-ons as welcome gift
- 6 reward points per ₹100 spent on IndiGo flights
- 3 reward points per ₹100 spent on dining, grocery & entertainment
KOTAK MAHINDRA BANK LTD
IndiGo 6E Rewards
Excellent
Expert Score5.0
Joining Fee
₹700
Annual Fee
₹700
- Ticket voucher worth ₹1,500 and 6E Prime add-ons worth ₹1,099 on card activation
- 3% rewards on IndiGo spends
- 2% rewards on merchant spends (including dining, grocery & entertainment)
YES BANK LTD
YES Prosperity Rewards Credit Card
Excellent
Expert Score5.0
Joining Fee
₹399
Annual Fee
₹399
- Basic rewards program
- Entrylevel card for new users
YES BANK LTD
YES Prosperity Rewards Plus Credit Card
Excellent
Expert Score5.0
Joining Fee
₹399
Annual Fee
₹399
- Enhanced rewards on retail spends
- Fuel surcharge waiver
- Basic lifestyle benefits
HDFC BANK LTD
6E Rewards - IndiGo HDFC Bank Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Rewards on IndiGo bookings
- Standard earning rate for IndiGo 6E Rewards
- Foreign currency markup of 3.5%
HDFC BANK LTD
6E Rewards XL - IndiGo HDFC Bank Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- Enhanced rewards on IndiGo bookings
- Accelerated earning of IndiGo 6E Rewards
- Foreign currency markup of 2.5%
STANDARD CHARTERED BANK LTD
Standard Chartered Rewards Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹1,000
- 4 reward points per ₹150 on retail spends (except fuel)
- Extra 4 rewards per ₹150 (up to 2,000 per month) on retail spends made after ₹20,000 monthly spends
- 1 reward point per ₹150 spent on government and insurance transactions
STANDARD CHARTERED BANK LTD
Standard Chartered Platinum Rewards Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- 5X reward points on international and retail spends
- Up to 5 reward points on every ₹150 spent
- Discounts and offers for dining, shopping, and travel through Good Life Programme
AXIS BANK LTD
Axis Bank Rewards Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- nan
AMERICAN EXPRESS BANKING CORPORATION
American Express Membership Rewards Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹4,500
- 4,000 Bonus Membership Reward Points as a welcome benefit.
- 1 Membership Reward Point per ₹ 50 spent.
- 2X Membership Rewards on all spends through Rewards Multiplier portal.
Frequently Asked Questions
How do I choose the best credit card for rewards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for rewards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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