Category
Rewards
Reward-point earners that let you stack points on everyday and accelerated spends.
Data as of 5 September 2026
Rewards cards earn points on every spend, then layer accelerated rates on categories you choose — dining, fuel, shopping, travel. FinWiz24 currently tracks 76 active rewards cards from AU Small Finance Bank, American Express, Axis Bank and others. Annual fees on this list range from 0, with 20 lifetime-free options. Top reward rates hit 12x on the issuer's accelerated category, with waived-fee versions sitting alongside paid options for readers who would rather not clear a spend threshold. Every card below links to a full review with the issuer's latest fee schedule, reward table, and eligibility criteria, so you can match the card to your spend pattern instead of taking the headline rate at face value. Pick the lineup that overlaps with where you actually spend — fuel, dining, travel, online, or EMI — and verify the eligibility bar before you apply, since minimum income and credit-score requirements differ across issuers. Eligible readers can apply directly through the issuer's site when they are ready.
How to pick a rewards card
We currently track 76 rewards cards. The lineup mixes premium, value, and lifetime-free options across India's major issuers. Compare the annual fee against the reward earn on your highest spend, check the eligibility bar on each card page, and prefer lifetime-free options when the fee exceeds a year of expected rewards.