Best credit cards for KrisFlyer miles in October 2026

26. Axis Bank Pride Signature ₹1,700
27. IndianOil Easy Axis Bank ₹1,100
28. IndusInd ePay Amex ₹900
29. RBL Nova −₹1,200
30. Indus Solitaire −₹5,500 · Invite only
31. Axis Bank Reserve −₹23,300
32. RBL Lumière −₹23,500 · Invite only
33. Axis Burgundy Private −₹50,100 · Invite only
34. HSBC Privé −₹2,42,000 · Invite only
35. Axis Bank PRIMUS −₹2,50,500 · Invite only
36. Axis Bank Privilege ₹4,200
37. Samsung Axis Bank Signature ₹3,900
38. Axis Bank REWARDS ₹3,000
39. IndusInd Platinum Aura Edge ₹1,900
40. IndusInd Bank Nexxt Credit Card ₹1,700
41. Axis Bank Platinum ₹1,400
42. Axis Bank NEO ₹1,300
43. Axis Bank My Zone ₹1,100
44. IndianOil Axis Bank Credit Card ₹1,100
45. Axis Bank Pride Platinum ₹800
46. Axis Bank Titanium Smart Traveller ₹500
47. Axis Bank My Zone Easy ₹300
48. Axis Bank Freecharge ₹200 · Invite only
49. IndusInd Celesta −₹2,000 · Invite only
50. IndusInd Indulge −₹6,700 · Invite only
51. IndusInd Crest −₹7,200 · Invite only
52. IndusInd Pioneer Heritage −₹19,200 · Invite only
53. Axis Bank My Wings ₹300
54. Axis Atlas ₹50,700 · Closed to new applicants
55. HSBC Advance Platinum ₹23,800 · Closed to new applicants
56. Amex Membership Rewards Card ₹21,500 · Issuing paused
57. HSBC Smart Value ₹15,800 · Closed to new applicants
58. Amex SmartEarn ₹15,400 · Issuing paused
59. Amex Gold Charge ₹11,400 · Issuing paused
60. HDFC Regalia ₹11,300 · Closed to new applicants
61. HDFC Bank Superia ₹10,900 · Closed to new applicants
62. Amex Platinum Travel ₹8,800 · Issuing paused
63. HDFC Bank Diners Club Rewardz ₹4,500 · Closed to new applicants
64. Poonawalla Fincorp IndusInd eLITE RuPay ₹4,200 · Closed to new applicants
65. IndusInd Iconia Amex ₹3,500 · Closed to new applicants
66. Axis Bank Signature ₹2,600 · Closed to new applicants
67. IndusInd Iconia Visa ₹2,000 · Closed to new applicants
68. Samsung Axis Bank Infinite ₹3,200 · Closed to new applicants
69. IndusInd Bank Gold Credit Card ₹1,200 · Closed to new applicants
70. Amex Platinum Reserve −₹1,700 · Issuing paused
71. Amex Platinum Charge −₹45,500 · Issuing paused

RBL Reward Points: no route in (56): RBL iGlobe , RBL World Safari , RBL World Safari Lite , RBL World Safari Plus , RBL Bank Patanjali Swarn , RBL Insignia Preferred Banking World Card , RBL Icon , RBL Platinum Maxima Plus , RBL Platinum Edge , RBL Platinum Maxima , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , RBL BankBazaar SaveMax Pro , RBL Movies and More , RBL Platinum Delight , RBL Platinum ShopGain , RBL Patanjali Vishisht , RBL Bank SalarySe UP , RBL Bank DMI Finance , RBL Cookies , RBL Platinum Max , RBL Platinum Prime , RBL Shoprite , RBL Binge , RBL BankBazaar SaveMax , RBL Platinum LifeEasy , RBL Platinum Choice , RBL Platinum Plus , TVS Credit RBL Bank , RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold , RBL Platinum Advantage , RBL Bank QuickPay , RBL EasySaver , RBL MyFirst , RBL World Plus , RBL World Prime , RBL World Max , RBL Platinum Classic , RBL Bank MoneyTap , RBL Monthly Treats , RBL Bank novio , RBL Bank Black , RBL Bank Fun+ , RBL vCard , RBL Titanium Delight , RBL Bank MoCash , RBL IGU NHS Golf World Card , RBL India Startup Club World , RBL India Startup Club Platinum , RBL Platinum Cricket , RBL Freedom SuperCard , Bajaj Finserv RBL Bank CA SuperCard , Bajaj Finserv RBL Bank Doctor's SuperCard , ETMONEY RBL Bank LoanPass Credit Card .

Statement cashback (₹): no route in (55): Swiggy Ornge HDFC Bank Credit Card , Swiggy BLCK HDFC Bank Credit Card , Utkarsh Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card , Utkarsh superCard , RBL Paisabazaar Duet , YES PaisaSave , YES PaisaSave RuPay , Federal Bank Paisabazaar Paisaback Credit Card , YES Prosperity Cashback+ , AU SPONT Credit Card , BOBCARD Cashback , YES Prosperity Cashback , RBL Paisabazaar Duet Plus , AU Altura Credit Card , AU Xcite Ace Credit Card , Dhi CUB Visa Signature , IDFC FIRST Hello Cashback , IDFC FIRST Quantum+ , IDFC FIRST EA₹N , Standard Chartered Smart , Suryoday SFB RuPay Platinum , Suryoday SFB RuPay Select , ESAF INORI RuPay Platinum , DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card , SBM MobiKwik First Credit Card , Paisabazaar Paisa Plus Credit Card , Paisabazaar Step-Up SBM Credit Card , Utkarsh Wish Credit Card , Unity Bank BharatPe Credit Card , PVR INOX Kotak , IndusInd Samman RuPay , YES Bank BYOC (Cashback) , AU InstaPay RuPay Credit Card , YES BANK EMI , Kotak Delight Platinum , IB-VISA-Bharat , IB-VISA-Gold , IB-VISA-Platinum , IB-RuPay-Classic , IB-RuPay-Platinum , IB-RuPay-Select , IOB Gold Credit Card , IOB Classic Credit Card , Swiggy HDFC Bank Credit Card , Best Price Save Smart HDFC Bank , HDFC Bank Bharat , PVR Kotak Platinum , Myntra Kotak , ABN AMRO One , ABN AMRO Titanium One , PVR Kotak Gold , RBL Edition Black .

SBI Reward Points: no route in (48): SBI Card ELITE , SBI Card PRIME , SBI Card PULSE , BPCL SBI Card OCTANE , Titan SBI Card , Reliance SBI Card PRIME , Landmark Rewards SBI Card PRIME , BPCL SBI Card , SimplySAVE SBI Card , SimplySAVE UPI SBI Card , Landmark Rewards SBI Card SELECT , Landmark Rewards SBI Card , Reliance SBI Card , SimplyCLICK SBI Card , KVB SBI Signature Card , KVB SBI Platinum Card , South Indian Bank SBI Platinum Card , Shaurya SBI Card , Doctor's SBI Card , Shaurya Select SBI Card , SBI Card Unnati , Federal Bank SBI Platinum Card , Chennai Metro SBI Card , Mumbai Metro SBI Card , SBI Platinum Card , SBI Signature Card , SpiceJet SBI Card , SBI Gold & More Card , Federal Bank SBI Gold 'N More , SBI Card ELITE Advantage , SBI Card PRIME Advantage , SimplyCLICK Advantage SBI Card , SimplySAVE Advantage SBI Card , SBI Student Plus Advantage Card , SBI Apna Bazaar Card , SBI Advantage Platinum Card , SBI Advantage Signature Card , SBI Gold Card (pre-2009) , SBI Advantage Card (pre-2009) , SBI Employee Card , Hero Honda SBI Card , SBI Silver & More Card , SBI Platinum Card (2007) , SBI Doctors Card , SBI Platinum Card (2010) , SBI UBI Card , SBI UBI Gold Card , SBI Mumbai Card .

BOBCARD Reward Points: no route in (36): BOBCARD Eterna , BOBCARD Tiara , BOBCARD Premier , IRCTC BOBCARD , HPCL ENERGIE BOBCARD , Snapdeal BOBCARD , ICAI Exclusive BOBCARD , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , PRAGATI BOBCARD (RRB) , PM SVANidhi BOBCARD , BOBCARD Select , BOBCARD Easy , Nainital Bank RENAISSANCE BOBCARD , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , BOBCARD Easy (FD Backed) , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , BOBCARD Prime , BOBCARD ConQR , BOBCARD Bombay Bullion , BOBCARD Titanium , BOBCARD Elite Platinum , BOBCARD Select Platinum , BOBCARD Signature , BOBCARD Assure , BOB Financial Paytm Credit Card .

Kotak Reward Points: no route in (20): Kotak NRI Royale Signature , Kotak Zen Signature , Kotak Cashback+ , Kotak Cashback+ Prime , Kotak UPI RuPay , IndianOil Kotak Credit Card , Kotak League Platinum , Kotak 811 Credit Card , Kotak Infinite , Kotak Veer Select , Kotak Privy League Signature , Kotak Essentia Platinum , Kotak Feast Gold , Kotak Royale Signature , Kotak Solaris Platinum , Kotak Urbane Gold , Kotak Mojo Platinum , Kotak Veer Platinum , Easyday Kotak Titanium Card , Easyday Kotak Silver Card .

AU Reward Points: no route in (19): AU CA Metal , AU CS , AU Ananta , AU Zenith , AU Vetta , Aditya Birla Capital AU Pro , Paytm AU Credit Card , AU Bank NOMO Credit Card , AU Zenith+ , AU Laksya Credit Card , AU Bank Traverse Credit Card (NRI) , AU Tejas Credit Card , AU Xcite Ultra Credit Card , AU Xcite Credit Card , AU Prathama Credit Card , AU Altura Plus Credit Card , AU LIT Credit Card , Aditya Birla Capital AU Flex , Aditya Birla Capital AU Nxt .

ICICI Reward Points: no route in (18): ICICI Emeralde Private Metal , ICICI Times Black , ICICI Bank Emeralde , ICICI Bank Coral , ICICI Bank Expressions , ICICI Bank HPCL Super Saver , ICICI Sapphiro , ICICI Bank HPCL Coral Credit Card , ICICI Bank Platinum Chip Credit Card , ICICI Bank Rubyx , ICICI Bank Parakram , ICICI Bank Parakram Select , ICICI Bank Coral against FD , ICICI Bank Rubyx against FD , ICICI Bank NRI Coral , ICICI Bank NRI Sapphiro , 1838 Reserve ICICI Bank Credit Card , Chennai Super Kings ICICI Bank .

YES Rewardz (YES CC Rewardz): no route in (18): YES Bank Marquee , YES Bank RESERV , YES Private Prime , YES Private , YES Bank ELITE+ , YES Bank BYOC (Rewards) , YES Essence , YES Bank Wellness Plus , YES Bank ACE , YES Bank SELECT , YES Bank Wellness , YES Bank FinBooster , YES FinBooster RuPay , YES Bank anQ Pi , YES BANK RuPay Virtual , YES Bank anQ Phi , YES Prosperity Rewards , YES First Preferred .

HDFC Reward Points: no route in (18): PhonePe HDFC Bank Ultimo , Shoppers Stop Black HDFC Bank , PhonePe HDFC Bank Uno , IndianOil HDFC Bank Credit Card , Shoppers Stop HDFC Bank , HDFC Bank Regalia First , HDFC Harley-Davidson Diners Club , HDFC Regalia Activ , Best Price Save Max HDFC Bank , HDFC Bank Diners Club Black (non-metal) , HDFC Bank Diners Club Miles , HDFC Bank Diners Club Premium , HDFC Bank MoneyBack (original) , Pine Labs HDFC Bank , Pine Labs HDFC Bank Pro , HDFC Bank Solitaire , HDFC Bank Titanium Times , HDFC Bank Idea International Silver .

PNB Reward Points: no route in (18): PNB VISA Classic , PNB VISA Gold , PNB VISA Platinum , PNB LUXURA Metal (RuPay) , PNB LUXURA Metal (Visa Infinite) , PNB Premium Metal LUXURA , PNB Parakram , PNB Zaggle Twin , PNB Visa Signature , PNB Patanjali RuPay Select , PNB RuPay Millennial , PNB RuPay Select , PNB SALARY RuPay Select , PNB BLISS , PNB EMT RuPay Platinum , PNB Patanjali RuPay Platinum , PNB RuPay Platinum , PNB SALARY RuPay Platinum .

IDFC FIRST Reward Points: no route in (16): IDFC FIRST Private , IDFC FIRST Gaj , IDFC FIRST Mayura , IDFC FIRST Ashva , IDFC FIRST Diamond Reserve , IDFC FIRST WOW! , IDFC FIRST Select , IDFC FIRST WOW! Black , IDFC FIRST Millennia , IDFC FIRST Classic , LIC IDFC FIRST Select , IDFC FIRST HPCL Power+ , IDFC FIRST SWYP , IDFC FIRST Wealth , LIC IDFC FIRST Classic , IDFC FIRST HPCL Power .

StanC 360° Reward Points: no route in (14): Standard Chartered Beyond , Standard Chartered Ultimate , Standard Chartered Priority Visa Infinite , Standard Chartered Rewards , Standard Chartered Super Value Titanium , Standard Chartered Platinum Rewards , Standard Chartered Manhattan , Standard Chartered Landmark Rewards Platinum , Standard Chartered Bandhan One , Standard Chartered Bandhan Plus , Standard Chartered Bandhan Xclusive , Standard Chartered Platinum Elite , Standard Chartered Bajaj Finserv Platinum , Standard Chartered Bajaj Finserv World .

HDFC Bank CashPoints: no route in (12): Paytm HDFC Bank Select , HDFC PIXEL Go , HDFC Bank Millennia , HDFC Bank PIXEL Play , HDFC Bank Freedom , Paytm HDFC Bank Digital , Paytm HDFC Bank Mobile , Paytm HDFC Bank , HDFC Bank UPI RuPay , HDFC Bank MoneyBack+ , HDFC Bank UPI RuPay Mega Saver , HDFC Bank Easy EMI .

Union Rewardz Points: no route in (12): Union Bank UNICORN , Union Bank NEXTERIA , Union Bank DIVAA ICON , Union Bank RuPay Select , Union Sparsh , Union JCB Wellness , Union JCB Health , Union Bank RuPay Platinum , Union UNI-CARBON , Union Bank VISA Signature , Union Bank VISA Platinum , Union Bank VISA Gold .

Citibank Reward Points: no route in (11): Delhi Metro Citibank , Citibank Platinum Credit Card , Citibank Gold Credit Card , Citibank Silver Credit Card , Citibank Woman's Credit Card , CRY Citibank Credit Card , WWF Citibank Credit Card , MTV Citibank Credit Card , Reliance Gold Credit Card , Reliance Silver Credit Card , Citibank Rewards Domestic Credit Card .

DBS Cash Points: no route in (9): DBS Spark 5 Credit Card , DBS Spark 10 Credit Card , DBS Spark 20 Credit Card , Bajaj Finserv DBS 5X SuperCard , Bajaj Finserv DBS 5X Plus SuperCard , Bajaj Finserv DBS 7X SuperCard , Bajaj Finserv DBS 7X Plus SuperCard , Bajaj Finserv DBS 10X Signature SuperCard , Bajaj Finserv DBS 10X Plus SuperCard .

InterMiles: no route in (9): InterMiles HDFC Bank Diners Club , InterMiles HDFC Bank Platinum , InterMiles HDFC Bank Signature , JetPrivilege HDFC Bank Titanium , InterMiles ICICI Bank Coral Credit Card , Jet Airways Amex Platinum , Jet Airways Citibank Titanium , Jet Airways Citibank Silver , Jet Airways Citibank Platinum .

PAYBACK Points (now Zillion Coins): no route in (9): Amex PAYBACK Credit Card , IndusInd PAYBACK Credit Card , Amex MakeMyTrip Credit Card , ICICI Bank HPCL Gold , ICICI Bank HPCL Silver , Toyota ICICI Bank Co-Branded , ICICI Bank Gitanjali Jewellery , ICICI Unifare Bangalore Metro , ICICI Unifare Mumbai Metro .

IndiGo BluChip: no route in (8): IndiGo IDFC FIRST Dual Credit Card , IndiGo SBI Card ELITE , IndiGo Axis Bank Premium Credit Card , IndiGo SBI Card , IndiGo Kotak Credit Card , IndiGo Kotak Premium Credit Card , IndiGo Axis Bank Credit Card , IndiGo IDFC FIRST Secured .

Air India Maharaja Points: no route in (8): Axis Bank Vistara Infinite Credit Card , Air India SBI Signature Card , Club Vistara SBI Card PRIME , Axis Bank Vistara Signature Credit Card , Club Vistara SBI Card , Axis Bank Vistara Credit Card , Air India SBI Platinum Card , Club Vistara IDFC FIRST .

IDBI Delight Points: no route in (7): IDBI Bank LIC Eclat Select , IDBI Bank Euphoria World , IDBI Bank Royale Signature , IDBI Bank Winnings , IDBI Bank Aspire Platinum , IDBI Bank Imperium Platinum , IDBI Bank LIC Lumine .

Axis Bank Cashback: no route in (7): Fibe Axis Bank Credit Card , Axis Bank ACE , Flipkart Axis Bank Credit Card , Axis Bank Cashback , Axis Bank Freecharge Plus , Axis Bank SuperMoney RuPay , Airtel Axis Bank Credit Card .

Lufthansa Miles & More: no route in (6): Axis Miles & More World Select , Axis Miles & More World , Deutsche Bank Miles & More Signature , Deutsche Bank Miles & More Platinum , IndusInd Bank Miles & More Signature , IndusInd Bank Miles & More Platinum .

City Union Bank Reward Points: no route in (6): CUB CSK Master Platinum , CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , CUB CSK Master World , CUB SRH Master World .

Federal Bank Reward Points: no route in (5): Federal Bank Imperio , Federal Bank Celesta , Federal Bank Signet , Federal RuPay Wave Credit Card , Federal Bank VALUEMAX Credit Card .

Etihad Guest: no route in (4): BOBCARD Etihad Guest Premium , BOBCARD Etihad Guest , Etihad Guest SBI Premier Card , Etihad Guest SBI Card .

Kotak Air Miles: no route in (4): Kotak Air+ Prime , Kotak Air+ , Kotak Solitaire , Kotak Air .

Bandhan Delight Points: no route in (4): Bandhan Bank Lumina Credit Card , Bandhan Bank Flare Credit Card , Bandhan Bank Ignite Credit Card , Bandhan Bank Sparks Credit Card .

Jupiter Jewels: no route in (4): Edge CSB Bank RuPay Credit Card , Edge+ CSB Bank RuPay Credit Card , Edge+ CSB Bank Mastercard Credit Card , Edge Federal Bank Visa Credit Card .

Avios (BA / Qatar / Finnair): no route in (4): IndusInd Avios Visa Infinite , British Airways ICICI Bank Premium , British Airways ICICI Bank Classic , Diners Club International British Airways .

Tata NeuCoins: no route in (4): Tata Neu Infinity HDFC Bank , Tata Neu Infinity SBI Card , Tata Neu Plus HDFC Bank , Tata Neu Plus SBI Card .

Emirates Skywards: no route in (4): Emirates Skywards ICICI Bank Emeralde , Emirates Skywards ICICI Bank Sapphiro , Emirates Skywards ICICI Bank Rubyx , Standard Chartered Emirates World .

LIC Axis Bank Reward Points: no route in (4): LIC Axis Bank Signature , LIC Axis Bank Platinum , LIC Axis Bank Titanium , LIC Axis Bank Gold .

Canara Reward Points: no route in (4): Canara Bank Select / World / Signature , Canara Bank Platinum , Canara Bank Classic / Standard , Canara Bank Gold .

BarclaycardPoints: no route in (4): Yatra Barclaycard Platinum , Barclaycard Gold , Barclays Premier League Barclaycard , Times Card from Barclaycard and TimesofMoney .

ABLE REWARDS Points: no route in (4): Andhra Bank VISA Platinum Credit Card , Andhra Bank VISA Gold Credit Card , Andhra Bank VISA Classic Credit Card , Andhra Bank MasterCard Credit Card .

Scapia Coins: no route in (3): Scapia (Federal Bank) , Scapia (Axis Bank) , Scapia (BOBCARD) .

SBI Travel Credits: no route in (3): SBI Card MILES PRIME , SBI Card MILES ELITE , SBI Card MILES .

MakeMyTrip myCash: no route in (3): MakeMyTrip ICICI Bank Platinum , MakeMyTrip ICICI Bank , MakeMyTrip ICICI Bank Signature .

RBL Cashback: no route in (3): RBL Signature Banking , RBL Aspire Banking , RBL Apex .

IRCTC Reward Points: no route in (3): IRCTC SBI Card Premier , IRCTC SBI Platinum Card , IRCTC RBL Bank Credit Card .

SBI Card Cashback: no route in (3): Flipkart SBI Card , CASHBACK SBI Card , Eternal SBI Card .

IOB Reward Points: no route in (3): Indian Overseas Bank RuPay Select , Indian Overseas Bank RuPay Platinum , Indian Overseas Bank RuPay Classic .

SalarySe SCoins: no route in (3): CUB SalarySe Level UP , CUB SalarySe Level UP Virtual , IOB SalarySe Rise UP .

DBS Vantage Points: no route in (2): DBS Altitude , DBS Vantage .

HSBC Cashback: no route in (2): HSBC Live+ , HSBC RuPay Cashback .

Equitas PowerMiles Points: no route in (2): Equitas PowerMiles , Equitas PowerMiles Secured .

Equitas Selfe Reward Points: no route in (2): Equitas Selfe Credit Card , Equitas Selfe Secured .

Adani Reward Points: no route in (2): Adani One ICICI Bank Signature , Adani One ICICI Bank Platinum .

SpiceJet SpiceClub: no route in (2): SpiceJet Axis Bank Voyage Black , SpiceJet Axis Bank Voyage .

EazyDiner Reward Points: no route in (2): EazyDiner IndusInd Signature , EazyDiner IndusInd Platinum .

Kotak White Pass: no route in (2): Kotak White , Kotak White Reserve .

Zagg Coins: no route in (2): YES Bank Zagg Credit Card , AU Zaggle Credit Card .

PhonePe SBI Card Reward Points: no route in (2): PhonePe SBI Card SELECT BLACK , PhonePe SBI Card PURPLE .

Apollo Health Credits: no route in (2): Apollo SBI Card SELECT , Apollo SBI Card .

Google Pay Stars: no route in (2): Google Pay Flex Axis Bank , Google Pay Flex SBI Card .

Shoppers Stop First Citizen Points: no route in (2): Axis Bank Shoppers Stop Credit Card , First Citizen Citibank Platinum Credit Card .

HDFC PIXEL Times Reward Points: no route in (2): HDFC Bank PIXEL Times Credit Card (Rush) , HDFC Bank PIXEL Times Credit Card (Move) .

IndianOil Fuel Points: no route in (2): IndianOil RBL Bank Credit Card , IndianOil RBL Bank XTRA Credit Card .

Dhanlaxmi Reward Points: no route in (2): Dhanlaxmi Bank RuPay Dhan Samriddhi , Dhanlaxmi Bank RuPay Dhan Vriddhi .

Equitas Tiga Reward Points: no route in (2): Equitas Tiga , Equitas Tiga Secured .

Paytm SBI Card Reward Points: no route in (2): Paytm SBI Card SELECT , Paytm SBI Card .

SyndicateBank Reward Points: no route in (2): SyndicateBank Global Credit Card Classic , SyndicateBank Global Credit Card Gold .

Marriott Bonvoy: no route in (1): Marriott Bonvoy HDFC Bank .

Taj Reward Points: no route in (1): HSBC Taj .

Ixigo AU Reward Points: no route in (1): ixigo AU .

Amazon Pay balance: no route in (1): Amazon Pay ICICI Bank .

Niyo Coins: no route in (1): Niyo Global SBM Credit Card .

IRCTC HDFC Bank Reward Points: no route in (1): IRCTC HDFC Bank Credit Card .

Uni Coins: no route in (1): BOBCARD Uni GoldX .

AURUM Reward Points: no route in (1): SBI AURUM .

CheQ Points: no route in (1): CheQ AU Credit Card .

CRED Reward Points: no route in (1): CRED IndusInd Bank RuPay Credit Card .

Slice monies: no route in (1): slice UPI Credit Card .

Axis EDGE Reward Points: no route in (1): Axis Bank Kwik .

Standard Chartered Rewards (EaseMyTrip): no route in (1): Standard Chartered EaseMyTrip .

POPcoins: no route in (1): YES Bank POP-CLUB .

KIWIS: no route in (1): PNB Kiwi .

KVB Reward Points: no route in (1): KVB Eternis Credit Card .

Flipkart SuperCoins: no route in (1): Flipkart Axis Bank Super Elite .

OneCard Reward Points: no route in (1): OneCard Metal .

Fi-Points: no route in (1): MagniFi (Federal Bank) .

Diners Club Rewards Points (Citibank India): no route in (1): Taj Epicure Diners Club .

Citibank Hutch Talk Points: no route in (1): Hutch Citibank Credit Card .

Citibank Maruti Auto Points: no route in (1): Maruti Suzuki AutoCard .

Citibank IndianOil Turbo Points: no route in (1): IndianOil Citibank Credit Card .

Citibank Cash Reward Points: no route in (1): Citi Titanium Cash Rewards Credit Card .

ABN AMRO Smart Miles: no route in (1): ABN AMRO Smart Miles Titanium .

HSBC Spencer's Retail Reward Points: no route in (1): HSBC Spencer's Retail Classic .

SBI Railway Points: no route in (1): SBI Railway Card .

SBI Maruti Auto Points: no route in (1): SBI Maruti Card .

Practo HealthCash: no route in (1): RBL Bank Practo Plus Credit Card .

HDFC Diners Club Black Metal. Spend ₹75,000 a month on it and it posts 40,025 KrisFlyer miles a year, worth ₹44,000 at our ₹1.10 house mark — ₹44,000 after its fee (₹10,000/yr). That is the card's real earn — its tiers, its category rules, its bonus category and its milestones — multiplied by the ratio that card actually gets, with the fee taken off: a card cannot top this board on points its fee costs more than.

71 of the 990 Indian personal cards we track are ranked here. 580 are listed unranked with the computed reason — no route into singapore airlines krisflyer — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

The records behind this board — the ratios into Singapore Airlines KrisFlyer we could re-read, and that program's house mark — carry re-verification dates from 2 Aug 2026 to 24 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

11 of the 71 ranked here are lifetime free. The best on net ₹/yr in KrisFlyer miles at ₹75,000/mo is IndusInd Tiger at ₹8,800. This board's call, HDFC Diners Club Black Metal, costs ₹10,000/yr and reaches ₹44,000 — that gap is what the fee buys.

On what this board ranks — net ₹/yr in KrisFlyer miles at ₹75,000/mo — yes: ₹44,000 against ₹27,100. That is the whole claim, and a narrow one. No card wins overall: 24 boards, 24 questions.