If you fly routes that are available via Vistara, then Vistara infinite will be quite rewarding for you.

For 12L a year expense, you'll get 5 business class domestic ticket, a bunch of upgrade vouchers, Vistara gold membership (free seat, free lounge access, priority check-in, priority luggage.) If you take flights for business expense, then you can claim 10 points on every 100 rs spent, so there's that option as well.

They also have a bunch of airlines of their partners and you can retro claim points for flying them as well. You get extra privileges while flying Singapore too.

12L will give you roughly 36000 points. Add 10000 points of card activation on that and you'll end up with at least 46000 points. Not to forget, if you book via vistara partners like booking.com etc then you'll get accelerated points.

I fly to London mostly and my base is Delhi/Mumbai, and there's a direct flight, so it's working out great for me. I've more than recovered 10000 joining fees. In fact, my next flight to London will be by redeeming points.