Smart Spending Starts Here: Choosing a Card That Rewards Every Purchase

One of the easiest ways to build credit or access emergency funds is to get a credit card online, where the application process is fast, convenient and often offers instant approval. A significant perk of a credit card is earning reward points on everyday purchases, helping cardholders save on their daily expenses. 

As a result, people seek out cards with generous rewards—though such offers can make approval more competitive. Understanding how rewards credit cards work and what to consider can simplify your selection. Ultimately, what is the best card depends on your spending habits.

What Is a Rewards Credit Card?

Rewards credit cards allow you to earn benefits on every eligible transaction, often up to certain spending limits. They have become a major segment of the credit card market in India, offering various reward structures tailored to different spending habits and lifestyles.

When you get a credit card online, look for one with flexible redemption options so you can use your accumulated points to make purchases more affordable. You can easily track your rewards balance on your monthly statement or through your credit card apps that show all points earned and spent.

To attract new users, many cards offer introductory perks, such as:

• A one-time welcome bonus after meeting a minimum spending requirement

• 0% interest for the first few months

• No annual fees for the first year

Benefits of Rewards Credit Cards

You can redeem your reward points for a wide range of benefits. Credit card issuers offer various redemption options that cater to diverse needs and preferences.

Here are some common ways to redeem your reward points:

• Travel Bookings: Use points to book flights, hotels, and car rentals and reduce travel costs significantly

• Cashback: Convert points into cash, which can be used to pay off your credit card balance

• Gift Vouchers: Redeem points for vouchers from top retail brands, especially popular with shopping and lifestyle cards

• Merchandise: Explore a product catalogue offered by many issuers, featuring items from electronics to home appliances, which you can purchase using your accumulated points.

Top Rewards Credit Cards

This range of cards helps you save more by earning reward points on your purchases. Select a rewards card that matches your spending habits to maximise its benefits. Here are some of the best rewards credit cards in India.

YES Bank FinBooster Credit Card

It’s a co-branded card that offers multiple benefits for your daily expenses. Check out the table below for more details about the card:

One Credit Card

It’s a lifetime free card that provides reward points for all categories. Some more details about the card are:

 IndusInd Bank Legend Credit Card

SBI Card PRIME

Disclaimer: The features and charges mentioned above may change at the discretion of the issuer. Please check the latest information before applying for a credit card.

Choose a rewards credit card to enjoy exciting perks while you spend. Assess your finances, compare interest rates and reward terms, and use your card responsibly to boost your credit score and maximise benefits.

Turn your daily spending into valuable rewards with the One Credit Card. Enjoy a range of benefits, including: 

• Earning 1 point for every ₹50 spent on eligible purchases

• Getting 5X bonus points on your top two spending categories every month

• Redeeming your reward points whenever you like, as there’s no expiry

• Using the OneCard App for smart money management – track your spending, set budgets, and discover local deals

Apply online today and start enjoying lifetime free benefits!