Highest verified base earn Lead match
Federal Bank Scapia
10 pts / ₹100
Annual fee ₹0 · Forex 0% · Unlimited lounge access
View card details →Intent shortlist
Best high reward credit cards in India
New to this metric? What reward rate (pts / ₹100) means →
Strong base reward rate (pts / ₹100)
24 rankedRanked by verified base earn rate in points per ₹100 when point value is unit-safe. Point caps and partner accelerators remain context.
- Axis Bank Burgundy Private 7.5 pts / ₹100 · Annual fee ₹50,000 · Forex 0% · Unlimited lounge access→
- Axis Bank Reserve 7.5 pts / ₹100 · Annual fee ₹50,000 · Forex 1.5% · Unlimited lounge access→
- IDFC FIRST Bank Private 6.7 pts / ₹100 · Annual fee ₹25,000 · Forex 0% · Unlimited lounge access→
- Axis Bank Magnus 6 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- Axis Bank SELECT 5 pts / ₹100 · Annual fee ₹3,000 · Forex 3.5% · 2 per quarter domestic + 6 per year international→
- IndusInd Bank EazyDiner 4 pts / ₹100 · Annual fee ₹2,999 · Forex 3.5% · No complimentary lounge access→
Show 17 more
- HDFC Bank Infinia 3.3 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- HDFC Bank Infinia Metal Edition 3.3 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- IDFC FIRST Bank Ashva Metal 3.3 pts / ₹100 · Annual fee ₹2,999 · Forex 1% · 4 domestic + 2 international lounge visits/quarter→
- IDFC FIRST Bank Mayura 3.3 pts / ₹100 · Annual fee ₹5,999 · Forex 0% · 4 domestic + 4 international lounge visits/quarter→
- Kotak Mahindra Bank Zen Signature 3.3 pts / ₹100 · Annual fee ₹1,500 · Forex 3.5% · 2 per quarter domestic + 3 per year international→
- Standard Chartered Bank India Ultimate 3.3 pts / ₹100 · Annual fee ₹5,000 · Forex 2% · 4 per quarter domestic + 1 per month international→
- BOBCARD Eterna 3 pts / ₹100 · Annual fee ₹2,499 · Forex 2% · Unlimited lounge access→
- HDFC Bank Regalia Gold 2.5 pts / ₹100 · Annual fee ₹2,500 · Forex 2% · 3 per quarter domestic + 6 per year international→
- American Express Gold Charge Card 2 pts / ₹100 · Annual fee ₹4,500 · Forex 3.5% · No complimentary lounge access→
- American Express Membership Rewards 2 pts / ₹100 · Annual fee ₹4,500 · Forex 3.5% · No complimentary lounge access→
- American Express SmartEarn 2 pts / ₹100 · Annual fee ₹495 · Forex 3.5% · No complimentary lounge access→
- Axis Bank Atlas 2 pts / ₹100 · Annual fee ₹5,000 · Forex 3.5% · 2 per quarter domestic + 4 per year international→
- Axis Bank Horizon 2 pts / ₹100 · Annual fee ₹3,000 · Forex 3.5% · 8 domestic + 2 international lounge visits/quarter→
- Axis Bank My Zone 2 pts / ₹100 · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge→
- HDFC Bank Platinum Times 2 pts / ₹100 · Annual fee ₹1,000 · Forex 3.5% · Lounge access not verified→
- ICICI Bank Coral Visa 2 pts / ₹100 · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge→
- ICICI Bank Sapphiro Mastercard 2 pts / ₹100 · Annual fee ₹3,500 · Forex 3.5% · 2 per quarter domestic + 2 per year international→
Context
Rewards- Ranked by base earn rate (points per ₹100) only when field confidence ≥ 0.8 and point value is unit-safe. Weak or non-comparable cards appear below as verification-needed.
- 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 — when point value is safely comparable. Caps, partner accelerators, and redemption still vary.
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 — only when eligibility and unit-safety pass. Check each card page for the full picture.