Rewards Credit Cards – Earn More Every Time You Spend!
Unlock Everyday Value with the Best Rewards Credit Cards in India
Looking to get the most out of your everyday spending? Whether it’s shopping, dining, fuel, or travel, CardMela.com brings you a curated list of the Top Rewards Credit Cards that turn your purchases into valuable rewards.
Enjoy more than just spending — these credit cards make every rupee count. From accelerated reward points and cashback to exclusive partner offers and milestone bonuses, the benefits keep adding up.
Explore top cards like the HDFC Millennia Credit Card, Axis Bank ACE Credit Card, SBI SimplyCLICK, and ICICI Amazon Pay Credit Card — each designed to match your spending style and lifestyle.
These cards also come with added advantages like:
- Accelerated rewards on specific categories like online shopping, groceries, or dining
- Cashback on utility bills, fuel, and popular merchants like Amazon, Flipkart & Zomato
- Milestone benefits like vouchers and annual fee waivers based on your yearly spends
- Easy redemption options for flights, hotels, merchandise, or direct statement credit
Start earning on what you already spend. Use our comparison tool to view features, fees, eligibility, and apply directly from CardMela.
HDFC Bank Swiggy Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
ICICI Coral Credit Card
★★★★☆ (4.2/5)
Best for movie lovers & frequent travelers
Benefits:
2 reward points per ₹100 spent
25% off on 2 movies/month via BookMyShow & INOX
1 free domestic lounge + 1 railway lounge access quarterly
1% fuel surcharge waiver at HPCL
Exclusive dining offers & chip-enabled security
Eligibility:
Age 21–58 years (salaried)
Minimum ₹15,000 monthly income
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L annual spend)
ICICI Bank Parakram Credit Card
★★★★☆ (4.3/5)
Best for defence personnel with exclusive rewards and benefits
Benefits:
1 reward point per ₹100 on all spends
5X reward points on grocery, department stores, and CSD (up to 1000 points/month)
1 domestic lounge access per quarter
1% fuel surcharge waiver
Eligibility:
Available exclusively for Indian Defence and Paramilitary personnel
Subject to ICICI Bank’s internal approval process
Fees:
Joining fee Nil
Annual fee Nil
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
IDFC First Bank Classic Credit Card
★★★★☆ (4.5/5)
Best for lifetime-free card with good rewards
Benefits:
₹500 gift voucher on ₹5,000 spend within 30 days
5% cashback on first EMI (up to ₹1,000)
3X reward points on UPI spends
10X points on spends above ₹20,000/month & birthdays
1% fuel surcharge waiver
25% off on movie tickets (up to ₹100/month)
4 railway lounge visits per quarter
₹2L personal accident cover
Eligibility:
Annual income ₹3L+
₹5,000 spend within 30 days for welcome benefits
Fees:
Joining fee ₹0
Annual fee ₹0
IDFC First Bank Select Credit Card
★★★★☆ (4.5/5)
For premium lifestyle users
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
Buy-1-Get-1 movies (2x/month)
4 domestic + 4 railway lounges quarterly
₹10K trip cancellation cover
1% forex markup
Eligibility:
₹12L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IDFC First Bank Millennia Credit Card
★★★★☆ (4.5/5)
Best for millennials with perks
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points up to ₹20K spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
25% off on movies
4 railway lounge visits quarterly
₹2L accident cover
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
RBL Bank Shoprite Credit Card
★★★★☆ (4.2/5)
Best for regular Shoprite shoppers wanting cashback and discounts
Benefits:
5% cashback on shopping at Shoprite stores
10% discount on dining and entertainment
1% fuel surcharge waiver
Exclusive access to sales and offers
Contactless payment enabled
Eligibility:
Indian resident aged 21-60
Minimum annual income ₹3 lakhs
Fees:
Joining fee ₹499
Annual fee ₹499 waived on spending ₹50,000/year
HSBC Bank Visa Platinum Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
No joining/annual fee
2 points per ₹150 spent
5X points on spends > ₹4L/year (max 15,000 bonus)
Points transferable to air miles/hotel points
₹500 Amazon voucher on ₹5,000 spend
Fuel surcharge waiver ₹3,000/year
Up to 3.5% forex cashback (limited time)
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
Earn More on Every Spend – Your Ultimate Guide to the Best Rewards Credit Cards in India
Daily spends can earn you more than just goods — they can fetch you cashback, vouchers, travel perks, and much more. Whether you’re shopping online, paying bills, or dining out, the right rewards credit card turns every expense into a benefit. At CardMela.com, we help you explore, compare, and choose the best rewards credit cards in India, tailored to your spending style and lifestyle needs.
No need to browse endless bank websites — find cards offering accelerated reward points, cashback on essentials, partner offers, and milestone bonuses — all at one place.
Why Choose a Rewards Credit Card?
A rewards credit card is your smart wallet companion. Here’s why lakhs of users prefer them:
- Accelerated Reward Points: Earn 2X–10X points on categories like online shopping, fuel, groceries, and dining. Cards like HDFC Millennia and Axis ACE offer big rewards on Flipkart, Amazon, Swiggy, and more.
- Milestone & Welcome Benefits: Cards like SBI SimplyCLICK or ICICI Amazon Pay offer bonus vouchers on crossing monthly/annual spend milestones.
- Cashback & Wallet Credits: Save instantly on spends with real cashback or redeemable points — ideal for utility bills, fuel, or travel bookings.
- Partner Deals: Enjoy exclusive discounts with select brands across e-commerce, fashion, food delivery, and entertainment.
- Flexi Redemption: Use your points for merchandise, travel bookings, or even direct statement credit.
Compare. Choose. Earn Smarter.
CardMela.com offers an easy, transparent experience where you can filter rewards cards by:
- Reward Rate (Points per ₹100 spent)
- Cashback % or Equivalent Value
- Partner Brand Benefits (e.g., Amazon, Flipkart, Swiggy, Uber)
- Fees & Waivers
- Eligibility & Income Requirements
- Welcome or Annual Milestone Bonuses
Top Rewards Credit Cards on CardMela.com
- HDFC Millennia Credit Card – 5% cashback on Amazon, Flipkart, Swiggy; free lounge access
- Axis Bank ACE Credit Card – 2% cashback on all spends; 5% via Google Pay
- SBI SimplyCLICK Credit Card – 10X rewards on online spends; low annual fee
- ICICI Amazon Pay Credit Card – 5% back for Prime users; lifetime free
- AU Bank Xcite Ultra – Hybrid card offering cashback + lifestyle rewards + fuel benefits
- Standard Chartered Smart Credit Card – 2% cashback + EMI offers
Who Should Get a Rewards Credit Card?
These cards are great for:
- Salaried professionals with regular spending on essentials
- Online shoppers and deal hunters
- Cashback lovers who want maximum return per rupee
- Students or young professionals managing daily expenses
- Urban families making high monthly spends
- Frequent fuel and utility bill payers
- Lifestyle spenders (restaurants, fashion, OTT platforms)
If any of the above sounds like you, explore our curated rewards cards now on CardMela.com.
Transparent Fees & Eligibility
Every card on our platform includes details on:
- Joining & Annual Fees
- Spend-based Waiver Rules
- Minimum Income Requirements
- Credit Score Needed (CIBIL 700+)
- Late Payment, Overlimit, and EMI Charges
We make it easy for you to compare and apply without confusion.
Maximize Every Rupee You Spend
Smart savers pair a rewards card with a fuel card or a travel card to build a custom stack of benefits.
For example, combine ICICI Amazon Pay Card (for e-commerce rewards) with AU Bank Vetta Card (for lounge & travel perks) to save across categories.
Why Choose CardMela.com?
We’re India’s growing credit card discovery platform trusted for:
- 100% Unbiased, Transparent Comparisons
- Real Benefits Breakdown, Not Just Bank Jargon
- Always-Updated Offers & Partner Deals
- Mobile-Friendly, SEO-Optimized Experience
- Direct Application Links – No Middlemen
- Expert Guides, Tools & Reviews
Still confused? Explore our Credit Card Help Guides or read verified user reviews to make the right choice.
Final Word
A rewards credit card isn’t just plastic — it’s your gateway to smart savings and lifestyle perks. From cashback on your everyday spends to free vouchers and partner deals, it brings value where it matters.
Don’t miss out. Explore India’s best rewards credit cards, compare them side-by-side, and apply instantly — only on CardMela.com. Whether you’re a first-time user or a seasoned spender, there’s a card waiting to reward you.