Question 1

Which credit card gives the most reward points per rupee in India?

Accepted Answer

Earn rates vary by category and card. Some cards offer 10–25 reward points per ₹100 on travel and dining; others earn a flat 2–5 points. Compare the actual value per point — not just the count — to find the best card for your spending pattern.

Question 2

How do I redeem credit card reward points in India?

Accepted Answer

Options typically include statement credit, merchandise or gift vouchers, flight and hotel bookings via the bank's portal, and transfer to airline or hotel loyalty programs. Log in to your net banking or card app to see your specific redemption options.

Question 3

Do credit card reward points expire in India?

Accepted Answer

Most Indian credit card reward points expire after 2–3 years if unused. Some cards reset expiry with each transaction. Always check the card's reward terms — unused points at expiry are forfeited and cannot be recovered.

Question 4

What is the best way to redeem reward points for maximum value?

Accepted Answer

Transferring reward points to airline miles or hotel points typically gives the highest value — often 2–5x more than statement credit redemption. Booking travel through the bank's own portal is the next best option.

Question 5

What is the difference between a rewards credit card and a cashback card?

Accepted Answer

Rewards cards earn points redeemable for travel, merchandise, or statement credits at a variable value per point. Cashback cards return a direct percentage of spend as cash. Rewards cards can deliver higher value for travellers; cashback is simpler and more predictable.

Best Rewards Credit Cards of June 2026

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