Updated October 18, 2026 · DebitCue Editorial Team

Top rewards cards compared in India

43 cards available in India, ranked for India.

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Top rewards cards compared in India
#	Card	Score	Key facts	Actions
1	ICICI BankTop pick 25% off up to INR 100 on movie tickets on BookMyShow and INOX (Coral Credit Card): 25% off up to INR 100, twice a month	9.1/10	Rewards rate: 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend Annual fee: ₹3,500 Currency conversion fee: 3.5%	Review Compare Visit
2	Instarem Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000	9.1/10	Rewards rate: 0.5 InstaPoints per SGD spent Annual fee: SGD 0 Currency conversion fee: 0%	Review Compare Visit
3	ICICI Bank Credit Cards Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000	8.9/10	Rewards rate: 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend Annual fee: ₹3,500 Currency conversion fee: 3.5%	Review Compare Visit
4	Scapia Scapia is a travel credit card issued in partnership with Federal Bank.	8.5/10	Rewards rate: 10% rewards Currency conversion fee: 0% Rewards type: Points	Review Compare Visit
5	Zagg Money Zagg Money offers a lifetime free UPI credit card with cashback and rewards.	8.5/10	Rewards rate: Upto 8% Zagg Coins on UPI, contactless spends Annual fee: ₹499 Rewards type: Points	Review Compare Visit
6	HDFC Bank Apply Online HDFC Bank Apply Online is the bank's online application site, listing savings accounts, personal, car, two wheeler, business, home, gold and consumer durable loans, fixed deposits, loans on card and a range of credit cards with rewards and discounts.	8.0/10	Legal entity: HDFC Bank Limited	Review Compare Visit
7	Union Pay International	9.6/10	Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
8	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank Annual fee: $0 Rewards type: Points	Review Compare See alternatives
9	Uni5Pay+ by Scombank	9.4/10	Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
10	AffinityPlus Credit Union Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers	9.3/10	Rewards rate: MyPlus Rewards points Annual fee: $0 APR: 14.65% to 18%	Review Compare See alternatives

Licensed in India

ICICI Bank: Deposit Insurance and Credit Guarantee Corporation (DICGC)
ICICI Bank Credit Cards: Deposit Insurance and Credit Guarantee Corporation (DICGC)
OneCard: Visa

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ICICI Bank

Top pick for India

9.1/10Visit