Highest signup and spending milestone rewards with fee recovery analysis.
275 cards ranked | Updated February 2026
Total welcome value
Value per spend required
Achievable thresholds
Time to achieve
Score: 10353425
Score: 9955333
Score: 248937
Score: 74821
Score: 33632
Score: 30408
Score: 27881
Score: 26888
Score: 25402
Score: 24638
Score: 20031
Score: 19831
Score: 19070
Score: 12689
Score: 12602
Score: 12079
Score: 11997
Score: 11873
Score: 9072
Score: 8699
Score: 8418
Score: 8151
Score: 8139
Score: 7680
Score: 7606
Score: 7190
Score: 6299
Score: 6257
Score: 5524
Score: 5500
Score: 5444
Score: 5236
Score: 4944
Score: 4940
Score: 4910
Score: 4910
Score: 4849
Score: 4836
Score: 4536
Score: 4451
Score: 4425
Score: 4257
Score: 4143
Score: 3924
Score: 3515
Score: 3361
Score: 3201
Welcome bonuses and milestone rewards can add significant first-year value. Some cards offer ₹5,000-10,000+ in welcome benefits alone, often exceeding their annual fees.
Welcome bonus is valuable but shouldn't be the only factor. A card with a smaller bonus but better ongoing rewards often delivers more total value over time.
Welcome bonuses add significant first-year value but consider ongoing rewards too. The best strategy is finding cards with good bonuses AND strong long-term value.
