Every card claims rewards. This is the effective rate each one returns on the spending it is built for, next to what it costs to hold for a year.
01
INVESTING
Effective reward rate
4.5%
₹5,000 a year
Up to 10% value back on travel spends via EDGE Miles.
02
INVESTING
Effective reward rate
4.2%
₹999 a year
5% cashback on all online spends with no merchant restriction.
03
INVESTING
Effective reward rate
3.3%
₹12,500 a year
5 reward points per ₹150, worth up to ₹1 each on SmartBuy flight and hotel bookings.
04
INVESTING
Effective reward rate
3%
No annual fee
Zero forex markup on international spends, with unlimited domestic lounge access on spend.
05
INVESTING
Effective reward rate
2.8%
₹1,499 a year
Up to 10% back in NeuCoins across Tata brands, plus UPI payments on RuPay.
06
INVESTING
Effective reward rate
2.6%
₹2,500 a year
4 reward points per ₹150, with 5x on Nykaa, Myntra, Marks & Spencer and Reliance Digital.
07
INVESTING
Effective reward rate
2.5%
₹4,500 a year
Membership Rewards points transferable to airline and hotel partners.
08
INVESTING
Effective reward rate
2.5%
₹1,499 a year
25 reward points per ₹100 at BPCL outlets — about 7.25% value back on fuel.
09
INVESTING
Effective reward rate
2.4%
₹1,000 a year
5% cashback on Amazon, Flipkart, Swiggy, Zomato and other partner merchants.
10
INVESTING
Effective reward rate
2.2%
₹499 a year
5% cashback on bill payments and recharges via Google Pay, 4% on Swiggy, Zomato and Ola.
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Fees, reward rates and benefits are from credsir's own card database, checked on 21 September 2026. Issuers change fees and reward structures without much notice and a card's terms can…
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