By need · 18 cards ranked

Best Rewards Credit Cards 2026

Points cards whose rewards are worth more than cash back when redeemed well.

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Ranked 1–10 at a glance

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
1
American Express Cobalt CardFoodies and renters maximising dining and grocery rewards
 C$155/yr 5x on dining and groceries, 3x on streaming, 2x on travel Earn points monthly through a welcome bonus period 2.5% on foreign currency p… Good to excellent credit 4.7
2
Scotiabank Gold American Express CardDiners and grocery shoppers who travel abroad
 C$120/yr 5x on groceries, dining and entertainment; 3x on gas/transit Large Scene+ points welcome bonus after spend 0% on foreign currency pur… Good to excellent credit 4.6
3
ADCB TouchPoints Infinite Credit CardAffluent UAE residents who value lifestyle privileges
 AED 1,050/yr Up to 4 TouchPoints per AED4 spent (category dependent) Welcome TouchPoints bonus after activation and spend Foreign currency markup ap… High income, UAE residency 4.5
4
Wells Fargo Autograph CardNo-fee 3x rewards across many everyday categories
 None 3x points on restaurants, travel, gas stations, transit, popular streaming servi… 20,000+ bonus points after meeting the minimum spend None Good to Excellent (700+) 4.4
5
American Express Membership Rewards Credit CardDisciplined spenders who hit monthly milestones for bonus points
 ₹4,500/yr Around 1 point per Rs.50, boosted by milestones 4,000 Membership Rewards points on spending Rs.15,000 in 90… 3.5% markup on foreign cur… Good to Excellent 4.3
6
Citi Rewards Credit CardRewards collectors wanting flexible, lasting points
 None Bonus points on dining, department stores and travel Welcome ThankYou Points bonus after activation and spend Foreign currency markup ap… Stable income, UAE residency 4.3
7
Citi Rewards+ CardSmall everyday purchases thanks to the round-up feature
 None 2x at supermarkets & gas stations (first $6,000/yr, then 1x), 1x on all other pu… 20,000+ bonus ThankYou Points after meeting the minimum spen… 3% Good (690+) 4.2
8
Axis Bank Privilege Credit CardMid-level spenders who want EDGE points, a milestone bonus and domestic lounges
 None 10 EDGE REWARD points per ₹200 spent in India or abroad; 10,000 bonus points (wo… 12,500 EDGE REWARD points (worth ₹2,500) only when a joining… 3.5% of the transaction va… Age 18 to 70, Indian resident; i… 4.1
9
SBI SimplySAVE Credit CardEveryday spenders who want simple rewards on essentials
 ₹499/yr Around 2.5% on bonus categories, 0.25% base 2,000 bonus Reward Points on spending Rs.2,000 in 60 days 3.5% markup on foreign cur… Fair to Good 4.1
10
Westpac Altitude Platinum Credit CardRewards seekers wanting Qantas or flexible points
 A$150/yr Earn Altitude points per AUD1 on eligible spend Bonus Altitude or Qantas points after qualifying spend 3% on foreign currency pur… Good to excellent credit history 4.1

The full list: 18 cards

Ranked by editorial score. Scroll the table on smaller screens.

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
11
American Express Payback CardPayback loyalty fans wanting points on every euro
 None 1 Payback point per 2 euros (more with partners) Bonus Payback points after first purchases 2% on foreign currency pur… Positive SCHUFA, regular income 4.0
12
CommBank Awards Credit CardCommBank customers wanting flexible rewards points
 None Earn Awards points per AUD1 on eligible spend Bonus Awards points after qualifying spend 3% on foreign currency pur… Good credit history 4.0
13
ICICI Bank Coral Credit CardNew cardholders wanting dining, movie and starter lounge perks
 ₹500/yr Around 0.5% base, higher with offers Activation benefits and offers (varies by channel) 3.5% markup on foreign cur… Fair to Good 4.0
14
SBI Card PRIMESpenders who will use milestone vouchers and want domestic and Priority Pass lounges
 ₹2,999/yr 10 Reward Points per ₹100 on dining, departmental stores, grocery and movies; 20… e-Gift voucher worth ₹3,000 from brands including Yatra, Bat… 3.5% foreign currency tran… See issuer 4.0
15
Tesco Clubcard Credit CardRegular Tesco shoppers and Clubcard collectors
 None Boosted points in Tesco, standard points elsewhere Occasional bonus points promotion 2.75% on foreign currency… Good credit history 4.0
16
RBL Bank ShopRite Credit CardHouseholds that want a low-fee card for monthly grocery spending
 ₹500/yr 20 Reward Points per ₹100 on grocery (5% value back at up to ₹0.25 a point), up… 2,000 Reward Points on meeting the issuer's conditions 3.5% markup See issuer 3.8
17
Kotak League Platinum Credit CardModerate spenders who can reach ₹1.25 lakh every six months for tickets or points
 ₹499/yr 8 Reward Points per ₹150 on special categories and on anniversary-year spends of… 5,000 Reward Points (worth ₹500) on joining, after fee payme… 3.5% foreign currency tran… Age 21 to 60; annual income of ₹… 3.7
18
New Fintech Rewards Card (Reported / Coming Soon)Readers tracking new card launches
 None To be announced To be announced To be announced To be announced —