Question 1

Which credit card is best for groceries in India?

Accepted Answer

For grocery spend in India, HDFC Swiggy Credit Card (10% cashback on Swiggy Instamart), SBI SimplySAVE (10x points at supermarkets), and Axis Flipkart (1.5% unlimited cashback) consistently rank among the top picks. Use the Rewards Sphere calculator to enter your monthly grocery spend and instantly compare which card gives you the highest ₹ return.

Question 2

HDFC Infinia vs Axis Magnus – which is better?

Accepted Answer

Both are premium travel-focused cards but suit different spenders. HDFC Infinia offers 5 reward points per ₹150 with excellent SmartBuy redemption value, while Axis Magnus provides 12 EDGE Miles per ₹200 on general spend with strong airline transfer partners. Magnus edges ahead for high travelers; Infinia is better for those who spend heavily via HDFC SmartBuy. Use the Rewards Sphere calculator to compare based on your actual spend mix.

Question 3

Which credit card gives the most reward points per rupee in India?

Accepted Answer

The best reward rate depends on spend category. For travel, Axis Atlas and Axis Magnus offer some of the highest per-rupee rates. For online shopping, HDFC Pixel Go and Axis Flipkart are strong. For dining, Amex Membership Rewards and HDFC Regalia Gold stand out. Enter your specific spend pattern into Rewards Sphere to get a personalised ₹-value ranking.

Question 4

Is Scapia credit card worth it?

Accepted Answer

Yes, Scapia is excellent value for frequent flyers with no annual fee. It offers unlimited 10% Scapia coins on travel bookings and 2% on other spends, with coins redeemable for flights and hotels on the Scapia app. It's one of the few no-fee cards with strong travel rewards, making it worth applying for as a complementary card.

Question 5

How do I calculate the ₹ value of reward points?

Accepted Answer

The ₹ value of a reward point varies by card and redemption method. For most HDFC cards, 2 reward points = ₹1 as statement credit, but up to ₹1 per point via SmartBuy travel. Axis EDGE Miles are worth roughly ₹0.50 in cashback but ~₹1.5–2 when transferred to airline miles. Rewards Sphere automatically applies the best redemption value for each card so you see true ₹ returns.

Question 6

Which credit card is best for fuel in India?

Accepted Answer

The best fuel credit cards in India include BPCL SBI Card (4.25% value back at BPCL pumps), Indian Oil Axis Bank Credit Card (4% cashback at IOC pumps), and HDFC IOCL Card. Most premium cards like HDFC Regalia and Axis Magnus also waive the 1% fuel surcharge. Use our calculator to compare based on your fuel spend volume.

Question 7

Which credit card is best for online shopping in India?

Accepted Answer

For online shopping, the Axis Flipkart Credit Card (1.5% unlimited cashback on all online spends, 5% on Flipkart), HDFC Pixel Go (5% on partner apps), and Amazon Pay ICICI Card (5% on Amazon for Prime members) are top picks. Enter your Amazon, Flipkart, and other online spend in Rewards Sphere to see which card wins for your basket.

Question 8

Is IDFC First Select credit card good?

Accepted Answer

IDFC First Select is one of the best lifetime-free credit cards in India. It offers up to 10x reward points on weekend dining, 3x on all other spends, complimentary lounge access, and zero interest on EMI for select merchants — all with no annual fee. It's especially strong for users who dine out frequently.

Question 9

How many reward points equal ₹1 for HDFC credit cards?

Accepted Answer

For most HDFC credit cards, 2 reward points = ₹1 when redeemed as statement credit (i.e., each point is worth ₹0.50). However, when redeemed via HDFC SmartBuy for travel, the value can be ₹0.70–₹1 per point depending on the card tier. Premium cards like HDFC Infinia offer higher redemption rates.

Question 10

What is the best credit card for travel in India 2026?

Accepted Answer

The top travel credit cards in India in 2026 are Axis Atlas (highest milestone rewards), Axis Magnus (strong airline transfer partners), HDFC Infinia (SmartBuy travel value), Scapia (best no-fee travel card), and Amex Platinum (premium lounge + hotel status). The best one for you depends on your annual spend and preferred airlines — use Rewards Sphere to compare.

Initializing Rewards Interface

Maximize Your Rewards Smartly

⚡ Smart Calculator

Select Your Cards

🏆 Your Optimal Rewards

📝 Insights & Card Reviews

Adjust Amount