REWARDSAI GUIDES

Credit card rewards guides for India

Practical guides — no affiliate links, no card recommendations for commission. Just the math on how to redeem smarter.

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Jun 2026

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FEATURED GUIDES

Flights

Your HDFC Infinia points are worth 7× more than you think

Most Infinia holders redeem for cashback at ₹0.25/point. The same points transferred to Singapore Airlines KrisFlyer are worth ₹1.78/point. On 80,000 points, that's the difference between ₹20,000 and ₹1,42,400.

14 min read·1 Jun 2026

Lounge access

Airport lounges in India just changed. Here's what still works in 2026

12 min · 1 Jun 2026

Hotels

How to stay at a Taj hotel for free — using your credit card points

12 min · 1 Jun 2026

ALL GUIDES

Cashback

The 5% cashback card that most Indians are using wrong

SBI Cashback gives 5% on all online spends — but only if you avoid the three categories that silently earn zero. And if you own both SBI Cashback and Axis ACE, there's a stacking strategy that covers everything at 5-10%.

10 min

Dining

Which card should you swipe at a restaurant in 2026? A real comparison

HSBC Live+ gives 10% on dining. Axis ACE gives 4%. HDFC Diners Privilege gives 5X points worth 6.67%. IndusInd EazyDiner gives 25% off the bill. These are not equivalent. Here's how to actually choose.

12 min

UPI & Everyday

UPI on credit cards is here. Which card makes it actually worth using?

RuPay credit cards now work on UPI — meaning you can earn rewards on payments that previously earned nothing. But earn rates vary from 0% to full rewards depending on the card.

10 min

Strategy

The two-card setup that beats any single premium card in India

No single card covers every spend category at maximum reward rate. But two cards — picked correctly — can. We model the optimal two-card wallet for ₹5L, ₹10L, and ₹15L annual spend profiles.

14 min