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Reward rate: how points per ₹100 works

Example math

₹10,000 spend

Example: at 5 points per ₹100, ₹10,000 base spend → 500 points on the base rate ( (10,000 ÷ 100) × 5 ). Replace 5 with your card’s normalized rate from its reference page.

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Knowledge system

How this list is built

Only reward points cards are shown — cashback cards use a different unit (% back) and are not comparable on the same scale. Cards without a verified base earn rate are excluded. The list is sorted highest first.

Cashback vs reward points Why cashback % and points / ₹100 can't be directly compared — and how to think about both.
Best high reward credit cards Larger shortlist of top points-earning cards.
Best dining credit cards Effective earn rate for dining — base earn × category multiplier where available.
Forex markup (learn) The cost-side counterpart — lower is better, opposite to earn rate.

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.