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Credit Card
Credit Card
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Credit Card
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of Baroda
5
(APR) of 19.2%
Cashback Rate
MyRupaya Ratings :-
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BOB Assure Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of Baroda
Foreign currency transaction fee:A foreign currency transaction fee of 3.5% will be charged on all transactions made in a foreign currency.
(APR) of 19.2%
You earn 1 reward point for every Rs. 100 spent across all categories.
Redeem 500 points for ₹25. This translates to a value of 5 paise per point.
Effective Cashback Rate: 0.5% cashback on all spends.
5% cashback on fuel transactions.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
RBL Bank
5
3.99% p.m (upto 47.88% p.a).
Cashback Rate
MyRupaya Ratings :-
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RBL Bank Shoprite Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
RBL Bank
3.50%
3.99% p.m (upto 47.88% p.a).
The value of 1 reward point = INR 0.25. Users will get 1 reward point for every Rs.100 spent on all purchases except fuel and 20 reward points for every Rs.100 when using the card for in-store grocery shopping, effective in-store grocery shopping cashback rate: 5%. General cashback rate: 0.25%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
ICICI Bank
5
3.5% - 3.8%p.m. or 42% - 45.6%p.a.
Cashback Rate
MyRupaya Ratings :-
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Amazon Pay ICICI Bank Credit Card
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Bank / CC Company
Forex Mark-Up
Interest Rate
ICICI Bank
Foreign currency transactions: Mark-up of 3.50%.
3.5% - 3.8%p.m. or 42% - 45.6%p.a.
Reward system: The reward rate is 5% on Amazon for the cardholders if they are also an Amazon Prime member. Non-prime members will get 3% cashback on Amazon. 2% cashback on Amazon Pay for certain kinds of bill payments. 1% cashback on all other payments.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Union Bank of India
6.5
16% p.a.
Cashback Rate
MyRupaya Ratings :-
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UNI Carbon Credit Card.
Bank / CC Company
Forex Mark-Up
Interest Rate
Union Bank of India
Foreign Currency Transactions Fees: 3%.
16% p.a.
The value of 1 reward point = 0.25.
For every Rs. 100 spent on non-fuel transactions, the cardholder will earn 2 reward points. Effective cashback rate: 0.50%.
1.50% cashback in the form of 6 payback points on transactions made on the HP Pay App.
16 rewards will be awarded on fuel spends with a minimum transaction of Rs. 500 and above at authorized HPCL outlets which would be equivalent to 4% cashback on every Rs. 100.00 spent up to a maximum of 150 per billing cycle per card.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Kotak Mahindra Bank
7.5
Interest Rate: 3.7% per month, 44.4% per year
Cashback Rate
MyRupaya Ratings :-
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Myntra Kotak Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Kotak Mahindra Bank
3.50%
Interest Rate: 3.7% per month, 44.4% per year
Users will get an instant discount of 7.5% on all spends done across Myntra Platforms (Mobile app/website) with a maximum discount of Rs.750 per transaction.
Cashback of 5% on spends across the Partner category of Myntra and Kotak Bank.
Earn unlimited 1.25% cashback on spending across all other online and offline merchants.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
0.15
3.60% p.m. 43.20% p.a.
Cashback Rate
MyRupaya Ratings :-
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HDFC Bank Freedom Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.60% p.m. 43.20% p.a.
Users will get 1 reward point for every INR 100 spent.
1 CashPoint = Rs. 0.15 for redemption against product catalogue, SmartBuy, and cashback. Effective cashback rate: 0.15%.
1 RP for product catalogue 0.15. Effective cashback rate: 0.15%.
For unified SmartBuy (Flights/Hotels), the effective cashback rate is 0.15%.
10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber. Special cashback rate 1.5%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
American Express
10
3.5% per month (42% p.a.)
Cashback Rate
MyRupaya Ratings :-
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American Express Smartearn Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
American Express
Foreign currency markup fee: 3.5% of the transaction amount for international transactions.
3.5% per month (42% p.a.)
The value of 1 RP=0.50 Paise.
10X Membership rewards on transactions on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more. Effective cashback rate: 5%.
5X Membership rewards on transactions on Amazon and Paytm Wallet. Effective cashback rate: 2.5%.
1 Membership rewards point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale. Effective cashback rate: 0.50%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of Baroda
5
3.49% per month
Cashback Rate
MyRupaya Ratings :-
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Snapdeal Bobcard
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of Baroda
Foreign Currency Transaction Fee: 3.5% of transaction amount
3.49% per month
1 RP= INR 0.25.
5% Unlimited cashback (20 reward points per ₹ 100) for purchases on the Snapdeal website & app only.
10 reward points for every ₹ 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%),
4 reward points for every ₹ 100 spent on other categories (Cashback rate: 1%).
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
5
3.6% per month i.e. 43.2% annually
Cashback Rate
MyRupaya Ratings :-
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HDFC Bharat Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.6% per month i.e. 43.2% annually
In category A: Customers will get 5% monthly cashback when they book tickets through IRCTC. 5% monthly cashback on Fuel expenses and fuel surcharge waiver also available. 5% monthly cashback on spends on groceries. 5% monthly cashback on Bill payment and Mobile recharge.
In category B: 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY.; Maximum cashback per month for categories A and B is Rs 300.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
3.33
1.99% monthly, 23.88% annually.
Cashback Rate
MyRupaya Ratings :-
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HDFC Biz Black Metal Edition Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign currency markup: 2%.
1.99% monthly, 23.88% annually.
Reward System: 1 reward point = Upto Rs. 1.
5% cashback on selected business spends such as (a) Bill payment via Payzapp & SmartPay, (b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in, (d) hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei.
5X Reward Points applicable on minimum spends INR 50,000 in statement cycle.
A minimum of 2500 RP is needed to redeem reward points against the statement balance.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Yes Bank
4.5
2.99% per month (35.88% annually)
Cashback Rate
MyRupaya Ratings :-
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YES Bank Marquee Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Yes Bank
Foreign Currency Mark-up of 1%
2.99% per month (35.88% annually)
1 YES rewardz point = Rs. 0.25.
Users will earn 36 YES reward points for every Rs. 200 spent on online shopping. Effective cashback rate: 4.5% (Online shopping).
Users will earn 18 YES rewardz points for every Rs. 200 spent on offline shopping. Effective cashback rate: 2.25% (Offline shopping).
Users will earn 10 YES rewardz points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments). Effective cashback rate: 1.25% (All other categories).
Users will earn 2 bonus reward points for every Rs. 100 spent on international transactions.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Axis Bank
3.2
Interest Rate: 3.6% per month (52.86% per annum).
Cashback Rate
MyRupaya Ratings :-
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Axis Bank Rewards Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Axis Bank
Forex Markup: 3.5%
Interest Rate: 3.6% per month (52.86% per annum).
Get 2 Edge reward points on spend of INR 125.
Value of 1 reward point = 0.20. General cashback rate = 0.32%.
Get 20 reward points on spending INR 125 on apparel and departmental stores. Apparel and departmental stores cashback rate: 3.2% (subject to a cap of 1008 points per month).
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Axis Bank
4
3.6% per month (52.86% per annum)
Cashback Rate
MyRupaya Ratings :-
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IndianOil Axis Bank Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Axis Bank
Foreign currency transaction fee: 3.5% of the transaction value
3.6% per month (52.86% per annum)
Users can earn 20 reward points for every INR 100 spent on fuel. The value of 1RP= 0.20 paisa. Fuel cashback rate: 4%.
5 reward points for every INR 100 spent on online spending. Online cashback rate is 1%.
10% cashback at Myntra, Uber & Zomato, up to Rs 300 each per month.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Kotak Mahindra Bank
4
Interest Rate: 3.5% per month, 42% per year
Cashback Rate
MyRupaya Ratings :-
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Indianoil Kotak Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Kotak Mahindra Bank
3.5% on the transaction value
Interest Rate: 3.5% per month, 42% per year
Reward System: The value of 1 RP = INR 0.25.
User will earn 24 reward points on every INR 150 spent, fuel cashback rate: 4%. Cardholders also get 2% cash back on grocery and dining spending. 0.5% cashback on all othe spends (uncapped).
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
State Bank of India
3.75
3.50% per month (42% per annum) from the transaction date.
Cashback Rate
MyRupaya Ratings :-
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Spar SBI Card Prime
Bank / CC Company
Forex Mark-Up
Interest Rate
State Bank of India
3.50%
3.50% per month (42% per annum) from the transaction date.
15 points on every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%.
Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%.
Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
State Bank of India
3.75
3.50% per month (42% per annum) from the transaction date.
Cashback Rate
MyRupaya Ratings :-
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Lifestyle Home Centre SBI Card Prime
Bank / CC Company
Forex Mark-Up
Interest Rate
State Bank of India
3.50%
3.50% per month (42% per annum) from the transaction date.
Users will get 15 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar).
Value of 1 point = INR 0.25.
The effective store cashback rate is 3.75%.
10 points on every INR 100 on dining, movies & entertainment. Effective dining/entertainment cashback rate: 2.5%.
2 reward points per INR 100 spent on other retail purchases (Non-fuel). The effective general cashback rate: 0.5%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
IndusInd Bank
3
2.85% per month (34.2% per annum).
Cashback Rate
MyRupaya Ratings :-
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IndusInd Bank Club Vistara Explorer Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
IndusInd Bank
2.85% per month (34.2% per annum).
1 CV = Rs. 0.75.
On spending Rs. 200, customers will earn 8 CV points on the Club Vistara website. Cashback rate: 3%,
6 CV points on hotels, airlines, and other travel-related categories. Cashback rate: 2.25%,
2 CV points on utility bill payments, insurance premiums, government payments, and fuel purchases. Cashback rate: 1.5%.
1 CV point for all other categories of spending. Cashback rate: 0.75%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
State Bank of India
3.75
3.50% per month (42% per annum) from the transaction date.
Cashback Rate
MyRupaya Ratings :-
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Max SBI Card Prime
Bank / CC Company
Forex Mark-Up
Interest Rate
State Bank of India
3.50%
3.50% per month (42% per annum) from the transaction date.
15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar).
Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%.
Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%.
Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
State Bank of India
3
3.50% per month (42% per annum) from the transaction date.
Cashback Rate
MyRupaya Ratings :-
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FabIndia SBI Card Select
Bank / CC Company
Forex Mark-Up
Interest Rate
State Bank of India
3.5
3.50% per month (42% per annum) from the transaction date.
Users will be awarded 10 points on spending every INR 100 on FabIndia stores.
Value of 1 point = INR 1. Effective FabIndia store cashback rate: 10%.
3 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 3%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
5
3.6% per month i.e. 43.2% annually.
Cashback Rate
MyRupaya Ratings :-
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Indianoil HDFC Bank Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.6% per month i.e. 43.2% annually.
Users can redeem Fuel Points through NetBanking towards catalogue products where 1 FP = upto 20 paise. Effective cashback rate of 0.20%.
Customers will earn 5% Fuel Points of their spending as Fuel Points at IndianOil outlets. The value of 1 Fuel Poinbt is 0.96 Paisa. Effective cashback rate: 4.8%.
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