Top 10 Reward Credit Cards in India in 2024

Posted by  Fintra , updated 2023-12-06

Top 10 Reward Credit Cards in India in 2024

Credits cards, as we all know are a convenient way by which we can buy products and services as simple as gas or groceries to complex products such as Travel packages or even jewellery. 

There is an assortment of plans accessible with different credit card types, one of which is rewards credit cards.

 Benefits of Reward Credit Cards-

  1. Procuring rewards or even Mile points.
  2. Some of these serve as fraud alerts to ensure the safety and security of the user’s hard-earned money and personal information. They are not linked to any saving or current account, hence added security is ensured.
  3. No fees for foreign transactions.

Here's a list of Top 10 Reward Credit Card in India for the year 2024:

  1. HDFC Diners Club Rewardz Credit Card


If you are looking for travel and dining benefits credit card then you should get the HDFC Bank Diners Club Rewardz Credit Card- it’s one of the best cards in the market. This card has been designed for frequent travellers who desire to gain dining discounts. It provides concierge service, air miles conversion with leading airlines, a range of rewards on every purchase, complimentary services along with exclusive offers.

Below are the highlights of the features of HDFC Bank Diners Club Rewardz Credit Card: 

  1. BOB Financial Premire


BOB Financial PREMIER Credit Card complements your 'Premier' lifestyle. With a minimal annual fee, Premier Credit Card is for those who're frequent shoppers because it offers great rewards along with handpicked benefits. Using this credit card, one can avail 1 reward point on each spending of Rs. 100 on any category, and later redeem those reward points for certain gift vouchers or cashback.

 Below are the highlights of the features of the BOB Financial PREMIER Credit Card:

  1. Axis Bank Pride Platinum Credit Card


The Pride Platinum Credit Card is exclusively designed for our brave personnel serving in the Indian Defence Forces. It comes with a shade of the Tricolor on the card itself. This unique cared offers a 15% discount at partner restaurants, fuel surcharge waiver of up to Rs. 250, and earn eDGE loyalty reward points for each transaction which later can be redeemed.

  Below are the highlights of the features of Pride Platinum Credit Card:

  1. HDFC Diners Club Black Credit Card     


HDFC Diners Club Black is an elite international credit card that has various lifestyle benefits. It's for those who love to have a luxurious lifestyle and love travelling. This card provides benefits across various categories such as travel, shopping, rewards, dining and golf. It has one of the highest default reward rates of 3.33% and has the lowest foreign currency markup of 1.99%.

  Below are the highlights of the features of HDFC Diners Club Black:

  1. American Express Platinum Card


American Express® Platinum Card provides generous rewards, unrivalled experiences and exclusive invitations. It is a well-known issuer of premium credit cards and their services. This credit card, unlike other cards, is made up of steel and provides a luxury vibe. Moreover, it offers many luxury vouchers and rewards that make up for the fee charged.

  Below are the highlights of the features of the American Express® Platinum Card:

  1. Air Accident Insurance
  2. Overseas Medical Insurance
  3. Purchase Protection
  4. Wallet Protection
  1. The Centurion® Lounge
  2. American Express Lounges
  3. Priority Pass™ Lounges
  4. Delta Sky Club® Lounges when flying Delta
  5. Escape Lounges
  6. Domestic Partner Lounges in India
  1. BOB Financial Easy Credit Card


With BOB Financial Easy Credit Card, welcome the 'Easy' living. This is a reward credit card that even provides cashback. The card has an annual fee of just Rs. 500 and when you spend Rs. 35,000 on the card in a year for a fee waiver. This credit card provides up to 5 reward points for every Rs. 100 spent, free insurance coverage, and get up to 50 days of the interest-free period.

Below are the highlights of the features of BOB Financial Easy Credit Card:

  1. First Citizen Citi Credit Card


First Citizen Citi Credit Card is launched by Citibank in association with Shoppers Stop. This card is specially made for loyal customers of Shopper Stop as it'll provide them with various rewards and benefits. Upon joining you'll get welcome vouchers worth Rs. 2050 that can be redeemed at Shoppers Stop or Home Stop. Moreover, for every Rs. 100 spent in Shoppers Stop for private label brands, you can earn 7 first citizen points and avail discount of 15 on all the dining bills.

 Below are the highlights of the features of First Citizen Citi Credit Card:

  1. Axis Bank Select Credit Card


The SELECT Credit Card, a premium card, is best suited for individuals who desire to avail various benefits on travel, shopping, lifestyle, and many other c categories. This card has been crafted to provide maximum lifestyle benefits such as a complimentary Amazon e-voucher, exclusive online discounts on food and groceries, complimentary Priority Pass lounge visits, and Golf rounds across various locations.

Below are the highlights of the features of SELECT Credit Card:

  1. Citi Premire Miles Credit Card


For all those travel freaks, Citibank has specially crafted Citi PremierMiles Credit Card. This card enables users to win free miles and other exciting travel offers. Customers making payments via this credit card can earn high reward points and win miles. Once the air miles have been accumulated they can then be redeemed to purchase flight tickets. Along with providing access to international and domestic airport lounges, the card also offers exclusive deals on flight tickets, hotel bookings and car hire that makes the card an ideal travel credit card.

Below are the highlights of the features of Citi PremierMiles Credit Card:

  1. SBI Card Elite


SBI Card ELITE, an all-rounder premium credit card, has specifically designed for high-end users. This card offers various benefits across various categories including shopping, travel, movies and more. Although it's available with a relatively high annual and joining fee of Rs. 4,999, SBI Card ELITE lavishly gives back to its users. It offers complimentary membership to Club Vistara and Priority Pass Program. The SBI Card Elite is a highly rewarding card especially for those who are high spenders.

 Below are the highlights of the features of SBI Card ELITE:

  1. 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses across India
  2. 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels
  1. Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals
  2. Exclusive benefits across 900 luxury hotels worldwide
  1. American Express Dining Platform - Discover delectable dining offers & get up to 25% discount in your city
  2. Complimentary Tablet plus membership - Access VIP upgrades and privileges at hotels in India and around the globe


You can choose any credit card which suits your expenditure style and which is not too expensive to maintain. Owning a credit card might seem a fun experience, but one should always keep an eye on their expenditure. Many of these credit cards come with hidden charges, so beware of these charges and always read the terms and conditions thoroughly before signing any documents. Refrain from any late payments of the credit card to ensure that no late fee is charged. Stay safe.