The rewards rating measures how much value you earn back on your spending. This component contributes 27% to our overall rating—the single largest factor because rewards are why most people get credit cards.

We evaluate normalized reward rates (per ₹100 spent), whether rewards are cashback or points, point redemption values, category coverage, and monthly caps that limit your earning potential.

• High base earning rate: Look for cards offering 1%+ back on all spending
• Accelerated categories: 5-10% back on specific categories you use frequently
• Reasonable caps: Avoid cards with low monthly reward caps that limit your earnings
• Good point value: For points cards, check redemption rates—₹0.25/point is average, ₹0.50+ is excellent

• Match cards to spending: Use category-specific cards for major spending areas
• Watch for bonus categories: Some cards rotate 5% categories quarterly
• Avoid interest: Carrying a balance at 40% APR destroys any reward value
• Redeem strategically: Points often have better value for travel than statement credits

The best rewards card depends on your spending patterns. High spenders benefit from premium cards with uncapped rewards, while average spenders often do better with no-fee cashback cards that don't require hitting spending thresholds.