Top Credit Cards That Offer Maximum Rewards on Each Spend
New Delhi, 22 November 2025:With the year 2025now slowly winding down, quick getaways or long-awaited vacations are on the wish list for many. It means initiating travel bookings, hotels, to refreshing wardrobes and picking up travel must-haves. During such times, managing spends smartly becomes just as important as choosing the perfect destination. Having the right credit card can make all the difference — offering not just convenience, but also exclusive rewards that enhance both your travel and shopping experience.
SBI Card, India’s largest pure-play credit card issuer brings a wide range of travel and lifestyle privileges designed to make your holidays and shopping plans more rewarding. Whether you’re looking for air miles, airport lounge access, cashback or reward points on popular brands, exclusive deals on dining,orsavings on fuel, these credit cards combine comfort with value.
Here’s a look at some of the top credit card options to help you save morethis upcoming vacation season.
SBI Card MILES ELITE
A premium travel companion for those who seek both luxury and functionality, the SBI Card MILES ELITE elevates a trip from ordinary to extraordinary. The credit card offers 5,000 travel credits as a welcome gift for an annual fee of ₹4,999. These credits can be redeemed for flights, hotels, and more, giving you a head start on your next trip. Earn 6 travel credits per ₹200 on travel spends and 2 per ₹200 on all other purchases. Frequent flyers can unlock milestone rewards like bonus lounge visits, 20,000 extra travel credits on annual spends of ₹12 lakh, and even an annual fee waiver at ₹15 lakh spends.
Enjoy Priority Pass membership, 8 complimentary domestic and 6 international lounge visits, plus a low forex markup of 1.99% for cost-efficient global travel. A 1% fuel surcharge waiver adds on to everyday savings. The card is also available in more variants SBI Card MILES PRIME (₹2,999) and SBI Card MILES (₹1,499).
IndiGo SBI Card Elite
IndiGo SBI Card ELITE takes your travel experience to the next level with premium rewards and privileges. With a joining and annual fee of ₹4,999 (plus taxes), it offers generous travel rewards and exclusive perks. Cardholders can earn 7 IndiGo BluChips on ₹100 spent within IndiGo’s ecosystem, 3 IndiGo BluChips on ₹100 spent on hotel and travel bookings made through other platforms, and 2 IndiGo BluChips on ₹100 spent as base reward. Travel benefits include 8 complimentary domestic airport lounge visits per year (2 per quarter) and 6 complimentary international lounge accesses annually (2 per quarter). Milestone rewards of 6,000 IndiGo BluChips are awarded on reaching annual spends of ₹3 lakh, ₹6 lakh, ₹9 lakh, and ₹12 lakh, respectively. Additionally, a 1% fuel surcharge waiver is applicable on transactions between ₹500 and ₹4,000 across petrol pumps in India. For those looking for similar benefits at a lower annual fee, the IndiGo SBI Card base variant is available at ₹1,499 (plus taxes). Designed for maximum travel value, the IndiGo SBI Card ELITE is an ideal choice for frequent travellers seeking elevated rewards and lounge access.
KrisFlyer SBI Card APEX
Designed for the global trotters and Singapore Airlines flyers, the KrisFlyer SBI Card APEX opens the door to a world of premium privileges. With an annual fee of ₹9,999 + taxes, you will be welcomed aboard with 10,000 KrisFlyer miles upon paying the fee and completing your first transaction within 60 days. You can earn miles on every spend and get 10 KrisFlyer miles per ₹200 spent with the Singapore Airlines Group, 8 miles per ₹200 on international purchases, and 6 miles per ₹200 on other eligible spends. Enjoy 2 complimentary domestic and international lounge visits every quarter along with a Priority Pass membership valued at $99(Priority Pass benefits apply to primary cardholders only and remain valid for 2 years). Adding to the convenience, enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps across India making your journeys smoother, rewarding, and effortlessly premium. If you are looking for a lighter alternative, the KrisFlyer SBI Card offers many travel benefits with a joining fee of ₹2,999 plus taxes.
BPCL SBI Card OCTANE
BPCL SBI Card OCTANE is designed for commuters, offering maximum savings on fuel purchases with 7.25% value back, accelerated reward points equivalent to 6.25%, 1% fuel surcharge waiver on transactions up to ₹4000. Cardholders can also earn enhanced rewards on categories like groceries, movies, and dining, ensuring value with every drive. The annual renewal fee of BPCL SBI Card Octane is ₹1499 plus applicable taxes, which can be reversed on annual spends of ₹2 Lakhs.
Cashback SBI Card
Cashback SBI Card is designed for individuals who seek cashbacks and rewards on every purchase – be it online or offline. The Cashback SBI Card offers 5% cashback on online spends* and 1% on offline spends*, with no merchant restrictions. Cardholders also benefit from a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000. The card comes with a joining fee of ₹999 plus taxes, and an annual renewal fee of ₹999 from the second year onwards. However, the renewal fee is waived if annual spends cross ₹2,00,000 — making this card a smart choice for those who prefer straightforward cashback over rewards.(Note: *subject to Cardholders T&C)
Tata Neu Infinity SBI Card
Perfect for those who frequently shop across Tata brands, the Tata Neu Infinity SBI Card adds value to each purchase. With a ₹1,499 annual fee, you receive 1,499 NeuCoins (1 NeuCoin = ₹1 savings) as a welcome gift. Earn 5% back in NeuCoins on Tata Neu app spends, an extra 5% on select categories, and 1.5% on others, including UPI payments. Additional benefits include Priority Pass membership, 8 domestic and 4 international lounge visits, and a 1% fuel surcharge waiver. The annual fee is waived for spends above ₹3 lakh. A lighter Tata Neu Plus SBI Card (₹499) offers 2% back on Tata Neu app spends.
Flipkart SBI Card
The Flipkart SBI Card delivers unmatched value for online shopping enthusiasts with cashback benefits across categories including electronics, fashion, travel and many more. With a joining fee of ₹500, customers enjoy welcome benefits worth ₹1,250 on successful application from Flipkart App. Cardholders can earn 7.5% cashback on Myntra, 5% cashback on Flipkart, 12% off on Cleartrip, and 4% cashback on partners like Zomato, Uber, Netmeds, and PVR. Cashback is auto-credited monthly to the SBI Card account, and the card also includes a 1% fuel surcharge waiver (up to ₹400 per cycle). A perfect choice for Flipkart, Myntra, and Cleartrip customers seeking value and affordability.
Spend Smart, Celebrate Smarter
Whether you are booking flights, shopping, or planning spontaneous getaways, there is an SBI Card tailored to fit your lifestyle. From high-end travel perks and exclusive rewards to cashback benefits, these cards ensure that your holiday season feels lighter, not just on your mood, but on your wallet too. So, this year, swipe smarter, travel further, and shop happier, because holidays are even sweeter when every spend adds value.
