Friends, if you use a credit card, you’ll know that reward points are a big bonus! You earn points on every purchase, which can later be redeemed for cashback, vouchers, or travel. But the question is, which card’s points have the highest real value in 2025?
I’ve compared the point value of top cards – like HDFC, Axis, SBI, and American Express. This comparison will help you decide which card is best for your daily spends. Let’s explain in a simple way what points mean and who wins!
What are Reward Points and how is their value calculated?
Reward points are awarded differently on each card – from 1 to 10 points for every ₹100 or ₹150 spent. To calculate their value in rupees, see how much 1 point is redeemed. In some cards, 1 point = ₹0.25 (for cashback), while in some it is up to ₹1 (for travel).
In 2025, banks have added AI features and better redemption options, such as instant cashback or flight bookings. But note: the value depends on the category – more for shopping, less for fuel. Now let’s compare the top cards!
Top Credit Cards Reward Points Value Comparison
I’ve selected five popular cards from the latest data as of 2025. This table shows how many points each card earns, their average value, and the best redemption rate. The value is also expressed as a percentage, which tells you how much you can get back per ₹100 spent.
| Card Name | Points Earned (per ₹100/₹150) | Value of 1 Point (in ₹) | Best Redemption | Value Back (%) |
|---|---|---|---|---|
| HDFC Regalia Gold | 4 Points per ₹150 (on retail) | 0.65 | Travel/Cashback | 1.73 |
| Axis Bank Atlas | 5 EDGE Points per ₹100 (on travel) | 0.50 (on travel) | Airlines/Hotels | 2.50 |
| SBI SimplyCLICK | 10 Points per ₹100 (on online partners) | 0.25 | Gift Vouchers | 2.50 |
| American Express MRCC | 1 MR per ₹50 (on travel) | 0.50 (on transfers) | Air Miles | 1.00 (Basic) |
| IDFC FIRST Select | Unlimited Points (2.5% value back) | 0.25 (on cashback) | Statement Credit | 2.50 |
This table is based on 2025 updates – such as Axis Atlas now offers more lounge access, which increases the value of points.
Pros and Cons: Real Picture of Points
Pros:
- For travel lovers, cards like Axis Atlas offer up to 2.5% value, providing extra benefits on flight bookings.
- The HDFC Regalia Gold offers a solid 0.65% cashback per point, with a 1.73% return on daily spends.
- SBI SimplyCLICK is a free lifetime card, and 2.5% on online shopping – perfect for beginners.
- Amex MRCC points do not expire, and have a high value (up to 1%) on transfers.
- IDFC FIRST has no cap on points, which is best for high spenders.
Cons:
- Some cards have category-specific value – such as reduced fuel costs (only 1%).
- If the annual fee is high (e.g., Regalia Gold ₹2,500), the points’ value is offset if you spend less.
- Redemption hassle: Some banks require a minimum number of points (e.g., 2,000) and have an expiry date.
- Forex markup fees (1-2%) reduce the value of points on foreign spends.
How to choose the right card?
If you shop daily, get SBI SimplyCLICK – an easy 2.5% return. If you’re a travel enthusiast, get Axis Atlas, as points offer double the value on airlines. And yes, in 2025, banks have added AI – like auto-suggest redemption – which makes points even more useful.
First, check your spending: how much online, how much travel? Then compare fees and value. Look for pre-approved offers on sites like Paisabazaar to get the most out of them.
Conclusion
The value of credit card reward points is increasing in 2025, but those who choose cards that match their spending will reap the most benefits. Cards like HDFC Regalia Gold and Axis Atlas are top-notch, with 2%+ returns.
If you want high value, try travel redemption – where 1 point can be worth up to ₹1! Tell us in the comments, what card do you have and how many points have you accumulated? And yes, read the terms before applying for a new card. Save money and have fun with smart spending!
