MARKET INSIGHTS
The Indian Credit Card Landscape
Everything on this page is computed live from our catalogue of 280 cards — the best card in each category right now, the issuers we cover, and what every reward currency is really worth. No estimates, no stale numbers.
AT A GLANCE
What we cover
RANKED FROM OUR CATALOGUE
Best card in each category, right now
Ranked by category reward rate. See full category lists →
THE ISSUER LANDSCAPE WE TRACK
Cards by issuer in our catalogue
Counts reflect the cards in our catalogue, not total market share.
WHERE THE VALUE LEAKS
Biggest reward-value gaps
Most people redeem points at the lowest rate. These currencies have the most upside between the typical route and the best one — value left on the table.
| Reward currency | Typical | Best |
|---|---|---|
| HSBC Reward PointsHSBC | ₹0.25 | ₹2.00 |
| Axis EDGE MilesAxis Bank | ₹1.00 | ₹2.00 |
| RBL Reward PointsRBL Bank | ₹0.25 | ₹1.00 |
| SBI Reward PointsSBI Card | ₹0.25 | ₹1.00 |
| HDFC Reward PointsHDFC Bank | ₹0.30 | ₹1.00 |
THE REWARD LANDSCAPE
How our cards earn
Earn direct money back — no points to manage or devalue.
Points for vouchers, travel and transfers — value depends on the route.
Earn airline miles or hotel points for outsized redemption value.
Earn rewards on UPI spends — scan-and-pay that still earns.
Counts overlap — a card can earn in more than one currency. All figures computed live from our catalogue.
✨ PERSONALISED ANALYSIS
Get research personalised
to your spending profile
This page shows market-level data. Our recommender goes deeper — it scores every card against your actual spending and shows exactly which one maximises your personal return, with ₹ estimates and eligibility confidence.
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