Points cards reward loyalty and travel redemption over flat cash. We picked the cards with the strongest earn rates and the most usable redemption paths.
As of October 2026, the HDFC Regalia Gold Credit Card leads our rewards picks with 4 pts per ₹150 spent. We shortlisted 6 cards, each earning a distinct "Best for" verdict from MITC-sourced data — never paid placement.
Why we picked itA balanced points earner with accelerated rewards on Marriott, Myntra, Reliance and Nykaa, plus 12 lounge visits. Points redeem cleanly against the SmartBuy travel portal.
Why we picked itEDGE Miles transfer 1:1 to a dozen airline and hotel partners, making it India's most flexible miles card. Tier benefits scale with annual spend.
Why we picked itA 10X rewards accelerator on online partners (Amazon, BookMyShow, Cleartrip and more) for just ₹499. The annual fee reverses once you cross ₹1L in spend.
Why we picked itUp to 10X reward points on incremental spends above ₹20,000/month, with points that never expire. Low forex and complimentary lounge access round it out.
Why we picked itEarns 5% NeuCoins across the Tata ecosystem — BigBasket, Croma, Air India, Westside — and works on UPI via RuPay. Strong if your grocery and travel sit inside Tata.
Why we picked itA ₹499 card that punches above its weight with 8 reward points per ₹150 and a fuel surcharge waiver. A sensible entry into a rewards-first setup.
| Card | Rewards | Annual Fee | Best For | Welcome | Network | |
|---|---|---|---|---|---|---|
| HDFC Regalia Gold Credit Card | 4 pts | ₹2,500 | per ₹150 spent | — | VISA | Apply |
| Axis Atlas Credit Card | 5 miles | ₹5,000 | per ₹100 on travel | ₹2,500 | VISA | Apply |
| SBI SimplyCLICK Credit Card | 10X | ₹499 | points online | ₹500 | VISA | Apply |
| IDFC FIRST Wealth Credit Card | 10X | ₹0 | points on high spends | — | VISA | Apply |
| Tata Neu Infinity Credit Card | 5% | ₹1,499 | NeuCoins on Tata brands | ₹1,499 | VISA | Apply |
| Kotak League Platinum Credit Card | 8 pts | ₹499 | per ₹150 spent | ₹500 | VISA | Apply |
Every card is judged on four criteria. Picks live in code review — never influenced by affiliate payouts, and never ordered by a paid placement.
Points cards reward loyalty and travel redemption over flat cash. We picked the cards with the strongest earn rates and the most usable redemption paths.
The best rewards card depends on where your money goes. Match the card's strongest rate to your biggest spending categories, and weigh the annual fee against the rewards you will realistically earn — not the headline number on the marketing page.
Shortlist two or three cards from the picks above and put them side-by-side with the compare tool before you apply. And whichever you choose, clear the statement in full each month — interest quickly outweighs any reward.