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ICICI Bank HPCL Super Saver
6.7 pts / ₹100
Annual fee ₹500 · Forex 3.5% · 4/year domestic lounge
Best high reward credit cards in India
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.
New to this metric? What reward rate (pts / ₹100) means →
Strong base reward rate (pts / ₹100)
24 cardsOther options
- ICICI Bank Emeralde 6 pts / ₹100 · Annual fee ₹12,000 · Forex 2% · Unlimited lounge access
- Axis Bank Magnus 5 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access
- Axis Bank SELECT 5 pts / ₹100 · Annual fee ₹3,000 · Forex 3.5% · 8/year domestic lounge (2 per quarter)
- HDFC Bank Infinia 5 pts / ₹100 · Annual fee ₹10,000 · Forex 2% · Unlimited lounge access
- HDFC Bank Tata Neu Infinity RuPay 5 pts / ₹100 · Annual fee ₹1,499 · Forex 2% · 8/year domestic lounge (2 per quarter)
- IDFC FIRST Bank Private Reserve 4 pts / ₹100 · Annual fee ₹0 · Forex 0% · Unlimited lounge access
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Context
RewardsHow this list is built
- 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.
Learn & composite
- What reward rate means Definition, math example, and smaller top list.
- Cashback vs reward points When headline earn types differ, compare carefully.
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