Rewards cards suit people who put most of their spending on one card and actually redeem what they earn. The reward rate matters less than the redemption value — 4 points per ₹150 is meaningless until you know what a point is worth on redemption.
HDFC Regalia Gold Credit Card
HDFC Bank- 5X reward points at Marks & Spencer, Myntra, Nykaa and Reliance Digital
- 12 complimentary domestic and 6 international lounge visits a year
- Complimentary Swiggy One and MMT Black membership on joining
SBI SimplyCLICK Credit Card
SBI Card- 10X reward points on Amazon, BookMyShow, Cleartrip, Netmeds and Apollo 24/7
- 5X points on all other online spending
- ₹500 Amazon voucher on joining
IDFC FIRST Select Credit Card
IDFC FIRST Bank- Lifetime free — no joining or annual fee
- 10X reward points on spending above ₹20,000 in a month
- Reward points never expire
HDFC Infinia Credit Card
HDFC Bank- Unlimited complimentary lounge access worldwide with Priority Pass, including guests
- 10X points on SmartBuy for flights, hotels and vouchers
- Complimentary Club Marriott membership and golf access
Axis Bank Magnus Credit Card
Axis Bank- Complimentary domestic and international lounge access with guest visits
- 5,000 bonus points on monthly spending above ₹1 lakh
- Complimentary annual membership benefits and airport concierge
Not sure which card fits?
Tell us where you spend and an advisor will tell you which card actually pays for itself.