Reward-points credit cards
Cards that earn points you redeem for flights, hotels, vouchers or statement credit.
9 rewards cards listed on CardSetu, sorted by annual fee then minimum income.
Who this category suits
Regular spenders who will redeem points and who spend enough in accelerated categories to beat a cashback card after fees.
- Lowest annual fee in this list
- IDFC FIRST Essential · Lifetime free
- Lowest minimum income in this list
- SBI Smart Save · ₹20K/month
Rewards cards on CardSetu
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹25K/mo
2. IDFC FIRST Bank
IDFC FIRST Prestige
Lifetime free with no spend condition
Lounge: 4 domestic lounge visits per quarter (spend-linked)
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹50K/mo
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹60K/mo
- Annual fee
- ₹499
- Joining fee
- ₹499
- Min. income
- ₹20K/mo
- Annual fee
- ₹750
- Joining fee
- None
- Min. income
- ₹30K/mo
6. HDFC Bank
HDFC Skyline Travel
8 complimentary domestic lounge visits a year
Lounge: 8 domestic + 4 international visits per year
- Annual fee
- ₹2,500
- Joining fee
- ₹2,500
- Min. income
- ₹1L/mo
7. SBI Card
SBI Horizon Travel
8 domestic and 4 international lounge visits a year
Lounge: 8 domestic + 4 international visits per year
- Annual fee
- ₹2,999
- Joining fee
- ₹2,999
- Min. income
- ₹75K/mo
8. ICICI Bank
ICICI Sapphire Signature
Unlimited domestic lounge access
Lounge: Unlimited domestic lounge visits
- Annual fee
- ₹3,500
- Joining fee
- ₹3,500
- Min. income
- ₹1.3L/mo
9. AU Small Finance Bank
AU Summit
Unlimited domestic and international lounge visits
Lounge: Unlimited domestic and international lounge access
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999
- Min. income
- ₹1.5L/mo
Figures describe the cards currently listed on CardSetu, not the whole Indian market. Fees and benefits are indicative; verify with the issuer.