- Ranked by base earn rate (points per ₹100) — the amount you earn on everyday non-category spend. Only cards with verified reward data are included. Cards without confirmed earn rates are excluded, not penalised.
Intent shortlist
Best high reward credit cards in India
New to this metric? What reward rate (pts / ₹100) means →
We don't yet have enough high-confidence data for this list.
Context
Rewards- What reward rate means Definition, math example, and smaller top list.
- Cashback vs reward points When headline earn types differ, compare carefully.
This shortlist ranks cards by base earn rate — points per ₹100 on everyday spend. It is not a full value ranking: caps, partner accelerators, and point value still vary. Check each card page before you apply.
Use `/learn/reward-rate` for the field definition and a worked example.
How cards make this list
Higher is betterCards are ranked by base reward earn — points per ₹100 on everyday non-category spend. Higher rank means more points, but caps, partner bonuses, and point value also matter. Check each card page for the full picture.