Highest earning cards with Value for Money weighting. Cashback gets 35% bonus over points for guaranteed value.
91 cards ranked | Updated February 2026
Earning per ₹100
Cashback vs points
Accelerated earning
Monthly limits
₹1.0-25.0/₹100
₹1.0-5.0/₹100
₹1.0-10.0/₹100
₹2.0-5.0/₹100
₹1.0-3.0/₹100
₹1.0-7.5/₹100
₹1.0-7.5/₹100
₹1.5-10.0/₹100
₹2.0-24.0/₹100
₹3.3-33.3/₹100
₹10.0/₹100
₹13.3/₹100
₹1.0-5.0/₹100
₹1.0-5.0/₹100
₹5.0/₹100
₹1.0-5.0/₹100
₹13.3/₹100
₹1.0-5.0/₹100
₹4.0/₹100
₹1.5-10.0/₹100
₹1.0-6.0/₹100
₹1.3-13.3/₹100
₹0.6-9.6/₹100
₹0.5-3.0/₹100
₹1.0-5.0/₹100
₹1.3-13.3/₹100
₹2.7-13.3/₹100
₹1.7-16.7/₹100
₹1.5-5.0/₹100
₹1.3-13.3/₹100
₹2.0-5.0/₹100
₹0.3-6.3/₹100
₹0.5-2.5/₹100
₹0.6-6.0/₹100
₹1.0-3.0/₹100
₹0.3-2.5/₹100
₹5.0/₹100
₹0.3-3.3/₹100
₹1.0-5.0/₹100
₹0.3-3.3/₹100
₹0.3-8.7/₹100
₹1.3-6.7/₹100
₹2.0-5.0/₹100
₹1.3-3.3/₹100
₹1.0-2.0/₹100
₹0.3-3.3/₹100
₹2.0-8.0/₹100
₹0.5-5.0/₹100
This leaderboard ranks cards by pure earning potential, Value for Money adjusted. Cards offering high rewards at low fees rank higher than expensive cards with similar rates.
We give cashback a 35% bonus because it's guaranteed value—points can be devalued and have uncertain redemption rates.
Cashback is guaranteed value. Points offer flexibility but uncertain value. We recommend cashback unless you have specific redemption goals (travel, etc.) where points offer premium value.
The best rewards card maximizes returns on your actual spending. High earners benefit from uncapped premium cards; average spenders often do better with no-fee cashback options.
