Best Credit Cards with High Rewards in India (2025)

 Here are the Best Credit Cards with High Rewards in India for 2025, carefully selected based on categories like travel, cashback, lifestyle, and premium benefits:

🏆 Top High-Reward Credit Cards in India (2025)

1. HDFC Bank INFINIA Credit Card (Metal Edition)

Rewards: 5 Reward Points per ₹150 (₹1 = 1 Reward Point approx.)

Best For: Premium lifestyle, travel, and lounge access

Key Perks: Unlimited airport lounge access (global), Club Marriott, Taj Epicure membership

Eligibility: Very high income or HNW individuals

2. Axis Bank Magnus Credit Card

Rewards: 12 Edge Reward Points per ₹200 (very high effective return)

Best For: Frequent flyers, hotel stays, and luxury spenders

Perks: Complimentary domestic + international lounge access, Taj vouchers, Grab Deals

Joining Fee: ₹10,000 (worth it for premium users)

3. SBI Cashback Card

Rewards: Flat 5% cashback on online spends (Amazon, Myntra, Flipkart, etc.)

Best For: E-commerce shoppers

Annual Fee: ₹999 (waived on ₹2L spend)

Bonus: Cashback auto-credited every month

4. HDFC Millennia Credit Card

Rewards: 5% cashback on Amazon, Flipkart, Swiggy, Zomato

Best For: Online lifestyle and foodies

Annual Fee: ₹1,000 (waived at ₹1L spend)

5. IDFC FIRST Wealth Credit Card

Rewards: 10X rewards on weekend dining, movies, and shopping

Best For: Zero-fee premium users

Perks: Golf, lounge access, personal concierge

Bonus: No annual fee. Ever.

6. American Express Platinum Travel Card

Rewards: Travel vouchers worth ₹17,000+ per year

Best For: Domestic flyers and luxury hotel perks

Perks: Taj/ITC stays, Priority Pass, concierge

Annual Fee: ₹5,000–₹7,000

7. AU Bank Zenith+ Credit Card (New Entry 2025)

Rewards: Up to 20 Reward Points per ₹100 on travel bookings

Best For: Premium users looking for emerging alternatives

Features: Golf, luxury hotel stays, concierge

Joining Fee: ₹4,999

8. Standard Chartered Ultimate Credit Card

Rewards: 5 Reward Points per ₹150 (1 RP = ₹1)

Best For: Flat-rate luxury spend

Perks: Club Vistara Gold upgrade, global lounge access

9. Kotak White Reserve Credit Card

Rewards: High points with milestone spends

Best For: Elite Kotak clients

Perks: White Pass (₹1L annual benefits), airport transfers, golf sessions

10. ICICI Emeralde Credit Card (Amex/Visa)

Rewards: 4 Reward Points per ₹100 (effective 1.5–2% return)

Best For: Health + lifestyle spending

Perks: Spa, unlimited lounge, health check-ups, movie vouchers

💳 Bonus Tip:

If you are salaried and travel frequently, combine 1 cashback card + 1 travel card for optimized value (e.g., SBI Cashback + Axis Magnus).

🧮 Want a Match?

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Monthly spend amount

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And I’ll recommend the best card combo for you.