Air miles and hotel points

Points that transfer to airlines and hotels, valued for a frequent traveller.

How it is ranked

Open cards whose points transfer to an airline or hotel programme, valued with the calculator for the Frequent traveller profile (₹77,000 a month on flights, hotels, dining, spends abroad and more) at the best way to redeem, transfers included, at our value of each programme's points, plus the profile's 6 lounge visits in India and 4 abroad a year where the card covers them. Net of the annual fee and GST unless that spending waives it, from the second year, as a share of the year's spend. Highest first, then lowest annual fee.

50 cards, best first

  1. HSBC TravelOne Credit Card: 5.9% back (₹54,389 a year on ₹77,000 a month, after fees)
  2. HSBC Premier Credit Card: 4.6% back (₹42,738 a year on ₹77,000 a month, after fees)
  3. IndusInd Bank Avios Visa Infinite Credit Card: 3.5% back (₹32,062 a year on ₹77,000 a month, after fees)
  4. BOBCARD Etihad Guest: 3.4% back (₹31,484 a year on ₹77,000 a month, after fees)
  5. Marriott Bonvoy HDFC Bank Credit Card: 3.2% back (₹29,124 a year on ₹77,000 a month, after fees)
  6. BOBCARD Etihad Guest Premium: 3.0% back (₹27,300 a year on ₹77,000 a month, after fees)
  7. SBI Card MILES PRIME: 2.9% back (₹26,752 a year on ₹77,000 a month, after fees)
  8. Axis Bank HORIZON Credit Card: 2.9% back (₹26,617 a year on ₹77,000 a month, after fees)
  9. RBL Bank Insignia Preferred Banking Credit Card: 2.7% back (₹25,116 a year on ₹77,000 a month, after fees)
  10. RBL Bank iGlobe Credit Card: 2.4% back (₹22,586 a year on ₹77,000 a month, after fees)
  11. KrisFlyer SBI Card Apex: 2.3% back (₹20,948 a year on ₹77,000 a month, after fees)
  12. IndiGo SBI Card ELITE: 2.2% back (₹20,201 a year on ₹77,000 a month, after fees)
  13. IndusInd Bank Tiger Credit Card: 2.1% back (₹19,440 a year on ₹77,000 a month, after fees)
  14. Kotak Air+ Credit Card: 2.0% back (₹18,686 a year on ₹77,000 a month, after fees)
  15. Kotak Air+ Prime Credit Card: 2.0% back (₹18,686 a year on ₹77,000 a month, after fees)
  16. SBI Card MILES ELITE: 2.0% back (₹18,075 a year on ₹77,000 a month, after fees)
  17. SpiceJet Axis Bank Voyage Black Credit Card: 1.9% back (₹17,404 a year on ₹77,000 a month, after fees)
  18. IndiGo Axis Bank Premium Credit Card: 1.9% back (₹17,104 a year on ₹77,000 a month, after fees)
  19. Axis Bank SELECT Credit Card: 1.7% back (₹15,518 a year on ₹77,000 a month, after fees)
  20. RBL Bank World Safari Plus Credit Card: 1.6% back (₹15,183 a year on ₹77,000 a month, after fees)
  21. IndiGo IDFC FIRST Dual Credit Card: 1.6% back (₹14,657 a year on ₹77,000 a month, after fees)
  22. Axis Bank MAGNUS Credit Card: 1.6% back (₹14,593 a year on ₹77,000 a month, after fees)
  23. Miles and More Axis Bank World Credit Card: 1.6% back (₹14,446 a year on ₹77,000 a month, after fees)
  24. IndiGo Kotak Premium Credit Card: 1.4% back (₹13,302 a year on ₹77,000 a month, after fees)
  25. IndusInd Bank Pinnacle Credit Card: 1.4% back (₹13,120 a year on ₹77,000 a month, after fees)
  26. Emirates Skywards ICICI Bank Emeralde Credit Card: 1.4% back (₹12,672 a year on ₹77,000 a month, after fees)
  27. Axis Bank PRIVILEGE Credit Card: 1.2% back (₹10,695 a year on ₹77,000 a month, after fees)
  28. KrisFlyer SBI Card: 1.1% back (₹10,362 a year on ₹77,000 a month, after fees)
  29. SBI Card MILES: 1.1% back (₹10,359 a year on ₹77,000 a month, after fees)
  30. Emirates Skywards ICICI Bank Sapphiro Credit Card: 1.0% back (₹9,090 a year on ₹77,000 a month, after fees)
  31. Axis Bank REWARDS Credit Card: 0.9% back (₹8,692 a year on ₹77,000 a month, after fees)
  32. Kotak Air Credit Card: 0.9% back (₹8,575 a year on ₹77,000 a month, after fees)
  33. IndusInd Bank Celesta American Express Credit Card: 0.9% back (₹7,910 a year on ₹77,000 a month, after fees)
  34. HSBC RuPay Platinum Credit Card: 0.8% back (₹7,425 a year on ₹77,000 a month, after fees)
  35. SpiceJet Axis Bank Voyage Credit Card: 0.8% back (₹7,269 a year on ₹77,000 a month, after fees)
  36. HSBC Visa Platinum Credit Card: 0.8% back (₹7,086 a year on ₹77,000 a month, after fees)
  37. Axis Bank Pride Signature Credit Card: 0.7% back (₹6,769 a year on ₹77,000 a month, after fees)
  38. IndusInd Bank Legend Credit Card: 0.7% back (₹6,167 a year on ₹77,000 a month, after fees)
  39. IndiGo SBI Card: 0.7% back (₹6,067 a year on ₹77,000 a month, after fees)
  40. IndiGo Kotak Credit Card: 0.4% back (₹4,146 a year on ₹77,000 a month, after fees)
  41. IndiGo Axis Bank Credit Card: 0.4% back (₹3,743 a year on ₹77,000 a month, after fees)
  42. Axis Bank My Zone Credit Card: 0.1% back (₹1,278 a year on ₹77,000 a month, after fees)
  43. IndusInd Bank Nexxt Credit Card: 0.1% back (₹868 a year on ₹77,000 a month, after fees)
  44. IndusInd Bank Platinum RuPay Credit Card: 0.1% back (₹470 a year on ₹77,000 a month, after fees)
  45. IndusInd Bank Platinum Credit Card: 0.0% back (₹115 a year on ₹77,000 a month, after fees)
  46. Axis Bank Pride Platinum Credit Card: −0.1% back (−₹1,344 a year on ₹77,000 a month, after fees)
  47. IndusInd Bank Crest Credit Card: −0.3% back (−₹2,940 a year on ₹77,000 a month, after fees)
  48. Axis Bank Neo Credit Card: −0.5% back (−₹4,322 a year on ₹77,000 a month, after fees)
  49. IndusInd Bank Pioneer Heritage Credit Card: −1.4% back (−₹12,844 a year on ₹77,000 a month, after fees)
  50. Axis Bank RESERVE Credit Card: −2.1% back (−₹19,714 a year on ₹77,000 a month, after fees)