Best 5 Reward Credit Cards To Unlock More From Every Swipe in 2025

Best Reward Credit Cards in 2025: Reward points and additional benefits are some of the most lucrative features of credit cards, which also help people in building solid credit history and building a contingency fund.
Wise usage of credit cards also helps people in earning rewards, getting discounts on online purchases and utilising the credited money during unexpected situations. Many credit cards also offer reward programs, cashback, and even travel points and discounts on certain restaurant dine-ins.

Best 5 Credit Cards For Earning Reward Points in 2025

People apply for credit cards looking at different aspects including annual fee, travel discounts related to flight bookings and lounge benefits. For those looking for credit cards that offer high reward points on every transaction and online purchases here is a list they can consider.

HDFC Regalia Gold Credit Card

People can apply for HDFC Regalia Gold Credit Card and own it with a joining fee of Rs 2500. People can get upto five times of reward points while making online purchase on Nykaa, Myntra, Marks and Spencer and Reliance Digital. They are required to spend a renewal fee of Rs 2500. Additionally, they can also earn four reward points on all retail spend with a minimum transsaction of Rs 150 with the credit card.

HDFC MoneyBack+ Credit Card

People would be required to pay a comparatively lesser amount of Rs 500 for this type of credit card. Owning this credit card would help people to earn lucrative cash points while making online purchases on e-commerce websites and while making merchant payments. With HDFC MoneyBack+ Credit Card, people can earn 10X Cashpoints while making purchases on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket. Whereas, they will be rewarded with 5X CashPoints on EMI transactions at selected merchants.

Axis Bank SELECT Credit Cards

This credit card offers 10000 EDGE Reward Points worth Rs 2,000 as welcome benefit. People have to pay a joining fee of Rs 3,000 and an annual fee of Rs 3,000. There are also additional benefits for frequent travelers as there are 12 complimentary international lounge visits in a year and two domestic lounge visits per quarter for its customers. They can also get Rs 500 off per month on BigBasket on a minimum spend of Rs 3,000. There is an additional Rs 200 discount on Swiggy orders worth Rs 1,000 or more.

SBI Card PRIME

SBI Card PRIME comes with a joining fee of Rs 2999 and an annual fee (also known as renewal fee) of Rs 2999. With this credit card, people can get upto 5X reward points while making payments for groceries, movies or while purchasing items at departmental stores. Additionally, there are eight international priority pass and four domestic airport lounge visits per year. Users can also get e-gift vouchers worth Rs 3,000 on payment at popular brands like Yatra, Pantaloons, etc. Pizza lovers can get a gift voucher worth Rs 1,000 from Pizza Hut on a quarterly spend of Rs 50,000.

A careful and wise use of credit card, which also includes timely payments of debt, can help people in strengthening their credit history by improving their credit score.