This comprehensive guide is dedicated to helping you discover the Best Rupay Credit Cards for Reward Points designed specifically for earning and maximizing reward points, ensuring not only seamless transactions but also an abundance of exclusive perks.
Before delving into our top recommendations, it’s essential to understand why having a Rupay credit card optimized for reward points is a strategic choice.
Renowned for its cost-effective solutions, Rupay offers credit cards equipped with features tailored to enhance your overall financial experience. Opting for the right card ensures not only efficient transactions but also a robust rewards program, allowing you to earn points with every swipe.
Unlocking Rewards: The Ultimate Guide to the Best Rupay Credit Cards for Reward Points
| Credit Card | Annual Fees | Key Features |
|---|---|---|
| HDFC Shopper Credit Card | Nil | Get up to 6 First Citizen Reward Points on each Rs. 150 spent. |
| IDFC First Power Plus Credit Card | Rs. 499 + GST | Enjoy the benefit of saving up to ₹18,500 each year with this credit card, enabling you to afford 175+ litres of fuel. |
| HDFC Indian Oil Credit Card | Rs. 499 + GST | Receive a 5% cashback on your fuel expenses at IndianOil outlets in the form of ‘Fuel Points’. |
| IndianOil Axis Bank Credit Card | Rs. 499 + GST | Receive 4% value back on your fuel transactions made at IndianOil fuel stations. |
Best Rupay Credit Cards for Reward Points – Table of Contents
Top Picks for Best Rupay Credit Cards for Reward Points:
1. HDFC Shopper Credit Card
With the Shoppers Stop HDFC Bank Credit Card, you have the opportunity to accrue valuable First Citizen Points with each use at Shoppers Stop outlets. This credit card comes with a lifetime free membership, offering additional perks to enhance your shopping experience.
Avail yourself of a complimentary Shoppers Stop membership and receive a Rs.500 Shoppers Stop voucher.
Enjoy 6 First Citizen Points for every expenditure on Shoppers Stop private label brands, with a monthly cap of 500 First Citizen Points.
Moreover, benefit from a 1% fuel surcharge waiver when utilizing the Shoppers Stop HDFC Bank Credit Card for fuel purchases at any gas station across India. HDFC Shopper Credit Card is one of the Best Rupay Credit Cards for Reward Points.
For all other expenditures at Shoppers Stop brands, earn 2 First Citizen Points, further maximizing your rewards on diverse transactions.
2. IDFC First Power Plus Credit Card
When considering the IDFC Bank HPCL First Power Plus Credit Card, it offers annual savings of up to Rs. 18,500, equivalent to approximately 175+ litres of fuel, providing you with substantial fuel cost reductions.
Beyond the fuel savings, this credit card extends a host of additional advantages, including a welcome gift package valued at Rs. 1,650.
With a nominal joining fee of Rs. 499, this card boasts remarkable lifestyle privileges such as complimentary access to domestic airport lounges, up to 25% off on movie tickets, complimentary roadside assistance, and more.
Moreover, the IDFC Bank HPCL First Power Plus Credit Card opens doors to fantastic deals and discounts across a diverse range of renowned partner brands.
What’s particularly appealing is the low interest rate, ranging from 0.75% to 3.5% per month, translating to an annual rate of 9% to 42%. This ensures cost-effective financial management for cardholders.
3. HDFC Indian Oil Credit Card
The IndianOil HDFC Bank card stands out as a co-branded credit card collaboration between HDFC Bank and the Indian Oil Corporation, tailored for frequent city travellers who rely on personal transport.
This credit card boasts a spectrum of features and benefits, particularly advantageous in the fuel category. With an annual fee of Rs.500 and a monthly interest rate of 3.49%, it offers a cost-effective solution.
Benefit from earning 5% Fuel Points (FP) on expenditures at Indian Oil Fuel outlets, Groceries, Bill payments, and utilities.
For other purchases, accumulate 1 FP for every Rs.150 spent. Enjoy a 1% fuel surcharge waiver on all fuel transactions. Plus, relish an annual fee waiver if your annual spending surpasses Rs.50,000 in the preceding year.
Maximize the utility of your Fuel Points by redeeming them for IndianOil XTRAREWARDS, adding extra value to your credit card experience.
4. IndianOil Axis Bank Credit Card
The IndianOil Axis Bank credit card stands out by not only providing substantial savings on fuel expenditures but also extending its benefits to various other spending categories. This fuel credit card offers a comprehensive set of advantages, including accelerated reward points and surcharge waivers on every fuel purchase. Additionally, it encompasses perks in diverse areas.
Key Features of Axis Bank IndianOil Credit Card:
- Earn accelerated reward points when fueling up at Indian Oil Corporation fuel pumps.
- Enjoy a welcome cashback of up to Rs. 250 on all fuel transactions made within the initial 30 days of card issuance.
- Gain accelerated reward points on your shopping expenses.
- Benefit from a fuel surcharge waiver on all fuel outlays.
- Obtain an annual fee waiver if your yearly expenditures surpass Rs. 50,000.
- Avail discounts on purchases of movie tickets, enhancing the card’s appeal across entertainment avenues.
Conclusion for Best Rupay Credit Cards for Reward Points
In conclusion, the search for the best Rupay credit cards for reward points involves a comprehensive analysis of the rewards program, redemption options, and additional benefits. By selecting a card that aligns with your spending habits and offers a lucrative rewards structure, you not only streamline your financial transactions but also enhance your overall savings and benefits.
Remember, the right card is more than a payment tool; it’s your key to unlocking a world of rewards with each transaction. Happy earning!
