What annual fee range is covered on Reward rate: how points per ₹100 works?

Cards on this page range from ₹0 to ₹50,000 (based on the current snapshot).

What forex markup range is covered on Reward rate: how points per ₹100 works?

Forex markup on this page ranges from 0% to 3.5% (based on the current snapshot).

How many of these cards offer lounge access?

11 of 12 cards on this page include domestic lounge access (including unlimited where available).

Which card has the highest base reward rate on this page?

IDFC FIRST Private Credit Card is highest at ~6.67%, based on base earn rates in the current snapshot.

Learn

Reward rate: how points per ₹100 works

Example math

₹10,000 spend

At 10 pts / ₹100 (Federal Bank Scapia ), ₹10,000 earns 1000 points at base rate — (10,000 ÷ 100) × 10 = 1000. Category multipliers apply on top.

Strong published base reward rate (pts / ₹100, normalized)

12 cards

Only reward points cards — cashback uses % back and isn’t on this scale. Cards without a published base earn rate are excluded. Sorted highest first.

Highest published base rate here Lead by rate

Federal Bank Scapia

10 pts / ₹100

Annual fee ₹0 · Forex 0% · Unlimited lounge access

View card details →

YES Bank Marquee 9 pts / ₹100 · Annual fee ₹4,999 · Forex 1% · 6 per quarter domestic + Unlimited international
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Axis Bank Burgundy Private 7.5 pts / ₹100 · Annual fee ₹50,000 · Forex 0% · Unlimited lounge access
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Axis Bank Reserve 7.5 pts / ₹100 · Annual fee ₹50,000 · Forex 1.5% · Unlimited lounge access
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ICICI Bank HPCL Super Saver 6.7 pts / ₹100 · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge
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IDFC FIRST Bank Private 6.7 pts / ₹100 · Annual fee ₹25,000 · Forex 0% · Unlimited lounge access
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Axis Bank Magnus 6 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access
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Show 5 more

ICICI Bank Emeralde 6 pts / ₹100 · Annual fee ₹12,000 · Forex 2% · Unlimited lounge access
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Axis Bank Privilege 5 pts / ₹100 · Annual fee ₹1,500 · Forex 3.5% · 2 per quarter domestic lounge
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Axis Bank SELECT 5 pts / ₹100 · Annual fee ₹3,000 · Forex 3.5% · 2 per quarter domestic + 6 per year international
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IndusInd Bank EazyDiner 4 pts / ₹100 · Annual fee ₹2,999 · Forex 3.5% · No complimentary lounge access
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HDFC Bank Infinia 3.3 pts / ₹100 · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access
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Another published base-rate reference: Rubyx American Express — 2 pts / ₹100.

Category-rate examples

Not the base-rate ranking

Some cards earn differently for a named merchant, channel, or spending category. Their card pages keep those conditions and caps attached instead of flattening them into the base-rate table.

Context

Orientation

You are here

Reward rate

You’re looking at how fast a card earns points — points per ₹100 at base earn, before category bonuses.

Part of Reward points & programmes

Closely related

Useful when comparing the same kind of card decision.

Cashback vs reward points Cashback % and points / ₹100 are different units — compare the shape, not the number.
Forex markup Cost-side counterpart — lower forex saves; higher reward rate earns.
Reward point transfers Earn rate only matters if you can move points to where value lives.

Often compared with

Shortlists people usually open next to this topic.

High reward credit cards Larger shortlist of strong points-earning cards.
Dining credit cards Category earn where base rate × dining multiplier shows up.

Reward rate is the number of points you earn per ₹100 spent at the base earn level — before category bonuses or partner accelerators. Higher is better. A card earning 5 pts/₹100 returns 500 points on ₹10,000 of everyday spend. Dining, fuel, or partner category rates are layered on top and vary by card.

Caps, exclusions, and the rupee value of one point still determine real returns — always check the issuer’s current terms.

Why points per ₹100?

Earn rate

Different issuers state earn rates on different bases — some say ‘2 pts per ₹100’, others ‘3 pts per ₹150’. Normalising everything to pts/₹100 lets you compare cards directly without doing the division yourself.