In India, credit cards are more than just a tool for making purchases; they provide numerous benefits like cashback, travel rewards, and most importantly, high reward points. These reward points can be redeemed for a variety of things, from shopping vouchers to airline miles. Whether you’re a frequent shopper, traveler, or simply looking to make the most out of your spending, certain credit cards stand out when it comes to offering high reward points. In this article, we’ll discuss the top credit cards in India for high reward points that can help you maximize your benefits.
Best Credit Cards in India for High Reward Points
If you’re looking for a credit card that helps you earn maximum reward points, these top options are worth considering:
HDFC Bank Regalia Credit Card
The HDFC Regalia Credit Card is one of the top credit cards in India for high reward points. It allows cardholders to earn 4 reward points for every ₹150 spent. Additionally, the points can be redeemed for a wide range of options, including flight bookings, hotel stays, and shopping vouchers. The card also offers a welcome bonus of 2,500 reward points, making it a great choice for those looking to earn high rewards on their regular purchases.
ICICI Bank Sapphiro Credit Card
The ICICI Bank Sapphiro Credit Card offers an impressive 2 reward points for every ₹100 spent. It also comes with a host of other benefits, such as airport lounge access, complimentary golf games, and more. This card is perfect for those who want to accumulate reward points quickly while enjoying premium benefits. The points can be redeemed for gifts, flight tickets, and other lifestyle rewards.
Axis Bank Miles & More Credit Card
For frequent travelers, the Axis Bank Miles & More Credit Card is one of the best options. It earns 4 miles for every ₹200 spent on retail purchases, which can be converted into miles for airlines under the Miles & More program. This makes it a great choice for those looking to earn high-reward points that can be redeemed for flight tickets and other travel benefits. The card also offers complimentary access to airport lounges and exclusive travel discounts.
American Express Membership Rewards Credit Card
American Express is known for its generous reward programs, and the Membership Rewards Credit Card is no exception. Cardholders earn 1 Membership Rewards point for every ₹50 spent. The card also provides exclusive offers from brands like Amazon, Flipkart, and more. If you’re someone who spends a lot on online shopping or dining, this card will help you rack up reward points quickly, which can be redeemed for travel, shopping, or dining rewards.
SBI Card ELITE
The SBI Card ELITE is a premium card that allows users to earn 2 reward points for every ₹100 spent on regular purchases. The points can be redeemed for a variety of rewards, such as gift vouchers, air miles, and more. In addition to high reward points, the card offers a host of benefits, such as airport lounge access, complimentary movie tickets, and a welcome gift, making it an ideal choice for those who want a high reward rate along with additional perks.
RBL Bank Signature Credit Card
The RBL Bank Signature Credit Card offers 1 reward point for every ₹100 spent. While this may seem low compared to other cards, it has one of the best redemption options for high reward points. RBL Bank allows you to convert your reward points into flight miles with various airlines, giving you the chance to earn rewards faster and make your travel experience more enjoyable. The card also provides exclusive dining and shopping offers, adding more value to your spending.
IndusInd Bank Pioneer Heritage Card
The IndusInd Bank Pioneer Heritage Card is an excellent choice for those who want to earn high reward points on their everyday purchases. It offers 2 reward points for every ₹150 spent on most purchases. What makes this card stand out is its ability to redeem reward points for a wide variety of options, such as flight tickets, hotel stays, and merchandise. Additionally, the card provides exclusive privileges like airport lounge access, concierge services, and discounts on dining and shopping, making it an ideal choice for people looking to maximize their reward points with added perks.
Standard Chartered Manhattan Platinum Credit Card
If you enjoy shopping, the Standard Chartered Manhattan Platinum Credit Card is an excellent choice for earning high reward points. It offers 5 reward points for every ₹150 spent on supermarkets and grocery stores and 1 reward point for every ₹150 spent on other purchases. The reward points can be redeemed for cashback or shopping vouchers, allowing you to get more for your everyday spending. This card is perfect for those who want to earn reward points while shopping for essentials.
Kotak Mahindra Bank Privy League Signature Credit Card
The Kotak Mahindra Privy League Signature Credit Card is designed for high-spenders who want to earn maximum reward points. It offers 1 reward point for every ₹100 spent on regular purchases, and you can redeem these points for a wide range of rewards, including air miles, shopping vouchers, and more. The card also offers a host of benefits, such as priority pass access to airport lounges and special discounts on dining and shopping.
HSBC Premier Credit Card
The HSBC Premier Credit Card is an excellent choice for those who want to earn high reward points without paying an annual fee. It offers 2 reward points for every ₹150 spent, and these points can be redeemed for a wide range of rewards. The card also provides access to exclusive offers, airport lounge access, and discounts on luxury shopping, making it ideal for those who enjoy premium experiences while earning great rewards.
Also Read:- Introduction to Credit Card Billing Cycles in India
Conclusion
Choosing the right credit card for high reward points can significantly enhance your shopping, travel, and lifestyle experiences. Whether you’re looking for travel miles, cashback, or exclusive shopping rewards, the above credit cards in India offer some of the best opportunities to earn and redeem reward points. Make sure to select a card that aligns with your spending habits and lifestyle to make the most out of your rewards.