REWARDS CREDIT CARDS
Best Rewards Credit Cards of July 2026
By CreditGully Editors · Updated July 20, 2026
Earn points on every spend and redeem them for flights, hotels, merchandise, or statement credits. Our rewards card picks offer the best earn rates across categories like dining, travel, and grocery.
Some cards on this page are linked to affiliate programmes managed through Cuelinks. Our rankings are based on independent editorial assessment and are not influenced by commercial relationships. Cards are also featured where no affiliate arrangement exists. Card details are subject to change — always verify current terms directly with the issuing bank.
HDFC Infinia Credit Card (Metal Edition)
HDFC Bank
Bonus: 12,500 Reward Points
Ultimate travel rewards
12,500 Reward Points
3.33% – 33.33%
₹12,500
HDFC Diners Club Black Metal Edition Credit Card
HDFC Bank
Bonus: Club Marriott, Swiggy One, Amazon Prime
Premium lifestyle and travel
Club Marriott, Swiggy One, Amazon Prime
3.33% – 33.33%
₹10,000
Axis Atlas Credit Card
Axis Bank
Bonus: 2,500 EDGE Miles
Flexible airline rewards
2,500 EDGE Miles
2% – 10%
₹5,000
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Bonus: 1,499 NeuCoins
Tata ecosystem and UPI rewards
1,499 NeuCoins
1% – 10%
₹1,499
American Express® Platinum Travel Credit Card
American Express
Bonus: 10,000 Membership Rewards points
High-value milestone rewards
10,000 Membership Rewards points
0.8% – 4%
₹5,000
Cashback on online shopping
1% – 5%
₹999
HDFC Regalia Gold Credit Card
HDFC Bank
Bonus: Swiggy One, MMT Black Gold
Travel and lifestyle
Swiggy One, MMT Black Gold
1.25% – 16.25%
₹2,500
Everyday Amazon shopping
1% – 5%
Nil
Airtel Axis Bank Credit Card
Axis Bank
Bonus: ₹250 Amazon eVoucher
Airtel and utility savings
₹250 Amazon eVoucher
1% – 25%
₹500
SBI Card Miles Elite
State Bank of India
Bonus: 5,000 Travel Credits
Travel and lounge milestones
5,000 Travel Credits
1% – 3%
₹4,999
HSBC TravelOne Credit Card
HSBC
Bonus: ₹1,000 cashback + ₹3,000 PostCard voucher + 3 months EazyDiner Prime + 3000 RP
Flexible travel rewards
₹1,000 cashback + ₹3,000 PostCard voucher + 3 months EazyDiner Prime + 3000 RP
2% – 4.8%
₹4,999
HSBC Live+ Credit Card
HSBC
Bonus: ₹1,000 cashback + ₹250 Amazon eGift Voucher + upto ₹750 voucher
Everyday dining and groceries
₹1,000 cashback + ₹250 Amazon eGift Voucher + upto ₹750 voucher
1.5% – 10%
₹999
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
Lifetime-free premium rewards
0.375% – 9.5%
Nil
Editorial Disclaimer: Opinions expressed here are the CreditGully editorial team's alone and have not been reviewed or approved by any card issuer. Compensation may impact which cards appear and how, but does not affect our editorial integrity or ratings.