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Set what you spend in a month. We rank cards by what they'd pay back in a year, minus the annual fee.
₹10,200per year
How we worked this out
5% only at its 10 partner brands (Amazon, Flipkart, Myntra, Swiggy, Zomato…), max 1,000 CashPoints a month; 1% max 1,000 a month. CashPoints valued at ₹1 against your bill (₹50 fee per statement redemption not counted).
₹0per year
How we worked this out
5% on Amazon with Prime (3% without). Paid as Amazon Pay balance, not cash. Invite only.
₹0per year
How we worked this out
5 Scapia Coins = ₹1, so '10% rewards' is 2% and '20%' on Scapia app travel is 4%. Coins usable only for bookings in the Scapia app.
₹0per year
How we worked this out
10X on dining, travel and international; 3X elsewhere; 1 point = ₹0.25. ₹99 + GST each time you redeem.
₹0per year
How we worked this out
10X on dining, travel and international; 3X elsewhere; 1 point = ₹0.25. Needs ₹36 lakh yearly income.
−₹499per year
How we worked this out
10X (2.5%) at partners like Swiggy, Myntra, Cleartrip; 5X (1.25%) on other online, max 10,000 points a month. Milestone vouchers not counted.
−₹500per year
How we worked this out
10% only in the Swiggy app (max ₹1,500 a cycle); 5% on selected online merchants (max ₹1,500); 1% max ₹500. Card is being replaced.
−₹500per year
How we worked this out
5% on Flipkart, capped at ₹4,000 a quarter (shown as ₹1,333 a month). Food assumes Swiggy at 4%.
−₹500per year
How we worked this out
10% on Zomato and Blinkit with a coupon, up to ₹200 a month each, usable only on that partner. Airtel bill cashback not counted.
−₹999per year
How we worked this out
5% online (max ₹2,000 a cycle), 1% offline (max ₹2,000). Assumes food and travel are paid online, groceries in-store.
−₹999per year
How we worked this out
10% on dining, food delivery, groceries (max ₹1,200 a month). Amazon and Flipkart earn only 1.5% since 26 Jul 2026. Select cities only.
−₹1,499per year
How we worked this out
Assumes non-Tata brands (1.5%). Tata brands earn 5%. NeuCoins usable only at Tata Neu brands.
−₹1,499per year
How we worked this out
7.25% only at BPCL pumps, including the 1% surcharge waiver. Points valued at ₹0.25 as BPCL fuel.
−₹2,500per year
How we worked this out
5 points per ₹200, valued at ₹0.50 on flights/hotels. Against your bill they are worth only ₹0.15 (0.375%). 5X brands and milestones not counted.
−₹4,999per year
How we worked this out
Milestone bonus points (up to 50,000 a year) not counted.
−₹5,000per year
How we worked this out
EDGE Miles valued at ₹1 on Travel EDGE (bank's figure). 5 miles per ₹100 only when booked direct with airlines/hotels or Travel EDGE.
−₹10,000per year
How we worked this out
5 points per ₹150, valued at up to ₹1 on SmartBuy flights/hotels. Against your bill: ₹0.30. Weekend dining 2X not counted.
−₹12,500per year
How we worked this out
5 points per ₹150, valued at ₹1 on SmartBuy flights/hotels. Against your bill: ₹0.30. Invite only.Rough estimate using the rates and caps in each bank's documents, simplified to six spend types. Welcome gifts, milestone bonuses and partner-only offers are not counted. Fees exclude GST. Open each card's page before deciding.
7 cards not ranked, and why
- ICICI Coral: ICICI doesn't state a ₹ value per point.
- ICICI Sapphiro: ICICI doesn't state a ₹ value per point.
- Axis Magnus: Points convert to airline miles, so the ₹ value varies.
- Amex Membership Rewards (MRCC): Point value depends on the reward you pick.
- Amex Platinum Travel: Point value depends on the reward you pick.
- OneCard One Credit Card (metal): OneCard doesn't state a ₹ value per point.
- Kiwi YES BANK Klick RuPay (on Kiwi): Rewards are based on UPI payments, not these categories.