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Best Rewards Credit Cards in India 2022

List of Best Reward Points Credit Cards

Credit CardBest ForAnnual Fee (INR)Best Features
Simply Click Credit CardAmazon / Apollo24X7/ BookMyShow49910X rewards on Amazon / Apollo24X7/ BookMyShow / Cleartrip / Dineout/ Lenskart / Netmeds, 5 rewards per Rs. 100 on other online spends
AMEX Membership Rewards Credit CardRestaurants/ Gold45001,000 Bonus Membership Rewards Points for simply using your card, 5,000 Membership Rewards Points upon First Year Card Renewal
AMEX SmartEarn Credit CardFlipkart/ Amazon/ Big Bazaar4950X Membership Rewards Points at Flipkart, Amazon, 5X rewards points on Paytm Wallet, Jabong, Myntra, Grofers, and Big Bazaar
Diners Club Black Credit CardClub Marriott/ Forbes/ Amazon Prime1000010X Reward Points via SmartBuy, 5 Reward Points for every Rs 150 spent, 2X reward on weekend dining
Eterna Credit CardOnline Shopping/ Paytm movies249910,000 bonus reward points on spending ₹ 50,000 within first 60 days, 3 reward points for every ₹ 100 spent
ELITE Credit CardDining/ Departmental stores/ Grocery49995X Reward Points on Dining, Departmental stores and Grocery, 2 Reward Points per Rs. 100 on all other spends & International transactions
BPCL Credit CardBPCL/ Movies/ Dining49913X Reward Points at BPCL petrol, 5X Reward Points on every ₹ 100 spent at Groceries, Departmental Stores, Movies & Dining

7. BPCL SBI Credit Card

BPCL SBI Rewards Credit Card
BPCL Credit Card

Joining and Annual fees- ₹499

Apply Now

Reward points

  • 13X Reward Points on fuel purchases at BPCL petrol pumps (4.25% Valueback)
  • 5X Reward Points on every ₹ 100 spent at Groceries, Departmental Stores, Movies & Dining

Fuel Surcharge Waiver

  • 3.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000

Welcome Gift

  • 2,000 Activation Bonus Reward Points Rs. 500 on payment of joining fee
  • You should be between the age of 18 to 60
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 30,000 per month
  • Joining and Renewal Fee Rs. 499 +Taxes
  • Renewal Fee reversible if annual spends for last year Rs. 50,000 or more

6. SBI ELITE Credit Card

SBI ELITE Rewards Credit Card
ELITE Credit Card

Joining and Annual fees- ₹4,999

Apply Now

Reward

  • 5X Reward Points on Dining, Departmental stores and Grocery Spends
  • 2 Reward Points per Rs. 100 on all other spends
  • 2 Reward Points on every Rs.100 spent on International transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 500 to Rs. 4,000

Welcome Gift

  • Rs. 5,000 worth welcome gift vouchers

Lounge Access

  • 2 complimentary Domestic Airport Lounge visits every quarter in India
  • 6 complimentary Airport Lounge visits per calendar year, outside India

Milestone Privileges

  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
  • Free Movie Tickets worth Rs. 6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay

Club Vistara Membership

  • Complimentary Club Vistara Silver membership
  • Get 1 complimentary Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Forex Markup

  • Lowest Foreign Currency Mark-up Charge of 1.99% on International usage
  • 2 Reward Points on every Rs.100 spent on International transactions
  • You should be between the age of 18 to 70
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 60,000 per month
  • Joining Fee Rs. 4,999
  • Renewal Fee Rs. 4,999 (from second year onwards)
  • Renewal Fees Reversal, spends Rs. 10 Lakhs in the year

5. Bank of Baroda Eterna Credit Card

Bank of Baroda Eterna Rewards
Eterna Credit Card

Joining and Annual fees- ₹2499

Apply Now

Reward points

  • 3 reward points for every ₹ 100 spent (1 reward point = ₹ 0.25 p)

Milestone Rewards

  • 10,000 bonus reward points on spending ₹ 50,000 within first 60 days
  • 20,000 bonus reward points on spending ₹ 5,00,000 in a year

Lifestyle Benefit

  • 15 reward points for every ₹ 100 spent on online shopping
  • Buy 1 get 1 free movie ticket at paytm movies

Dining Privileges

  • 15 reward points for every ₹ 100 spent on dining

Travel Benefit

  • 15 reward points for every ₹ 100 spent on Travel and International transaction

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000

Extra Benefits

  • Zero Lost Card Liability
  • You should be age between 21 to 65 years
  • Add-on cardholder should be over 18 years
  • Salaried & Self-employed both are eligible
  • Minimum Income Rs. 12 lakhs per annum
  • Must be resident of India
  • Joining and Renewal Fee Rs. 2499

4. HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card
Diners Club Black Credit Card

Joining and Annual fees- ₹1000

Apply Now

Reward points

    • 5 Reward Points for every Rs 150 spent
    • Up to 10X Reward Points via SmartBuy

Welcome Benefit

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year

Dining Benefit

    • 2X on weekend dining

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India

Lounge Access

    • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members

Milestone Benefit

    • 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 1.99% on all your foreign currency spends

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime

  • Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month

Insurance/ protection cover

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalisation: Rs. 50 Lacs
  • Travel Insurance Cover of up to INR 55,000 on baggage delay
  • Credit Liability Cover of up to ₹9 Lakh
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income ₹1.75 Lakhs per month
  • Self-employed gross Income ₹21 Lakhs per annum
  • Joining & Renewal Fees – ₹10,000
  • Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

3. American Express SmartEarn Credit Card

American Express SmartEarn Shopping Credit Cards
AMEX SmartEarn Credit Card

Joining and Annual fees- ₹495

Apply Now

Rewards

  • 10X Membership Rewards Points for next purchase at Flipkart, Amazon
  • 5X rewards points for shopping on Paytm Wallet, Jabong, Myntra, Grofers, and Big Bazaar
  • Spend 50 rupees on Flipkart and Amazon, earn 10 Membership Rewards points.
  • Spend Rs.50 at Paytm Wallet, Myntra, Jabong, Big Bazaar, or Grofers, earn  5 Membership Rewards points

Welcome gift

  • Rs. 500 cashback as a Welcome Gift on eligible spends Rs. 10,000 in the first 90 days

Fuel Surcharge Waiver

  • 0% Convenience fee on fueling up at HPCL for transaction less than Rs. 5000
  • 1% convenience fee on fuel purchases for transaction of Rs. 5000 or above

Milestone Privileges

  • Earn Amazon vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Card membership year
  • You should be age over 18
  • Salaried or self-employed both are eligible
  • Salaried Annual Income of INR 4.5 lakhs and above
  • Self Employed with a Personal Annual Income of INR 6 lakhs and above
  • Have to Indian or multinational bank’s savings or current account in India
  • Good credit history
  • Have a current/permanent residential address in India
  • Joining and Fee Renewal fee Rs.495
  • Renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Card membership

2. American Express Membership Rewards Credit Card

American Express Membership Rewards
AMEX Membership Rewards Credit Card

Joining fees ₹1000 and Annual fees- ₹4500

Apply Now

Rewards

  • 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above (each calendar month)
  • 5,000 Membership Rewards Points upon First Year Card Renewal
  • 1 Rewards Point for every Rs. 50 spent

Welcome gift

  • 4,000 Bonus Membership Rewards Points is available only in the 1st year on payment of the annual fee and on spending INR 2,000 within 60 days of Card membership

Fuel Surcharge Waiver

  • 0% Convenience fee on fueling up at HPCL

Dining benefits

  • 20% every time you dine at select restaurants

Milestone Privileges

  • 18 and 24 Karat Gold Collection
  • 24,000 MR points / 24 Karat Gold Collection
  • 18,000 MR points / 18 Karat Gold Collection
  • You should be age over 18
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 6 Lakhs or above, per annum
  • Have to Indian or multinational bank’s savings or current account in India
  • Good credit history
  • Have a current/permanent residential address in India
  • Joining Fee Rs. 1000
  • Renewal Fee Rs. 4,999 (from second year onwards)
  • Annual Membership Renewal fee 100% waived off if total spends in a year Rs.1,50,000 and above
  • 50% annual membership renewal fee will be waived off if total spendsin a year Rs.90,000 to Rs.1,49,999.

1. SBI Simply Click Credit Card

SBI Simply Click
Simply Click Credit Card

Joining and Annual fees- ₹499

Apply Now

Reward points

  • 10X rewards on online spends with exclusive partners- Amazon / Apollo24X7/ BookMyShow / Cleartrip / Dineout/ Lenskart / Netmeds
  • 5 rewards per Rs. 100 on other online spends
  • 1 reward point per Rs. 100 spent on other categories

Welcome Benefit

  • welcome e-gift card worth Rs. 500 from Amazon

Milestone Benefits

  • E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and Rs. 2 Lakhs each

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000
  • Available to both Salaried and Self-employed
  • Salaried person gross Income ₹20,00 per month
  • Self-employed gross Income ₹30,000 per month
  • Joining & Renewal Fees – ₹499
  • Spend 1 lakhs or more in the preceding 1 year and get renewal membership fee waived off

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