Circles by two IIMA graduates and winner of GC Mital Entrepreneurship Award in 2019

GC Mital Entrepreneurship Award

Circles incubated and registered office at CIIE

IIMAvericks startup

 Email Us: founders@circlesway.com   |   Tel: 7704000453

Ideapad, CIIE Building, IIM Ahmedabad New Campus, Vastrapur, Ahmedabad - 380015

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most Rewarding Credit Cards in India!






What should you look for in a great credit card?


  • Maximum Reward Points per Rupee spent

  • Massive offers and discounts online and offline

  • Spend based Reversals

  • Hassle Free Usage

  • Widespread Access and Reach

  • Lowest Annual Renewal Fee





Our research team went through more than 700+ credit and debit cards and evaluated each of them on the above mentioned criteria. Based on our research we present to you the most rewarding credit cards of India in 2019 (most preferred listed first):


HDFC Infinia Credit Card
  • 10 Reward Points for every Rs. 150 spent

  • Exclusive Dining Privileges

  • Amazing Discounts and Cashback

  • High Annual Fees with renewal





Axis Bank BUZZ Credit Card
  • 6 Reward Points for every 200 spent

  • Discounts at leading e-commerce platforms

  • Awesome Gift-Vouchers

  • Low Annual Fees



ICICI Emeralde Credit Card
  • 4 Reward Points for every 100 spent

  • Unlimited Lounge Access

  • Discounted Memberships on Services

  • Low Annual Fees





Bank of Baroda Premier Credit Card
  • 10 Reward Points for every 100 spent

  • Low annual Renewal Fees

  • Zero Fuel Surcharges and Fee Reversal on spends

  • Exclusive privileges


SBI Prime Credit Card
  • 2 Reward Points for every 100 spent

  • Low Annual Fees and Spend based Reversal

  • Trident and Club Vistara Memberships

  • Lounge Access and Vouchers from multiple food and e-commerce joints



RBL Insignia Credit Card
  • 5 Reward Points for every 100 spent

  • Free Tickets , Curated Rewards and Lounge Experiences

  • Hotel Stays and Fuel Surcharge Offers

  • Low Annual Fees and personalised service


Kotak Mahindra Solaris Platinum Credit Card
  • 5 Reward Points for 150 spent

  • Low Annual Fess and Spend based Reversal

  • Fuel and Railway Surcharge Waiver

  • Privileges for Airlines , Movies , Mobile Recharges and more


American Express Gold Credit Card
  • 1 Reward Points for every 50 spent

  • Best in Class Services and privileges - Lounge Access , Cashback

  • Fuel Surcharge Waiver and Dining Privileges at the top Hotels


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