3.99% per month (47.8% annually)

• Value of 1 YES Rewardz Point is INR 0.25. 

• Users will get 8 YES Rewardz Points on spends of every ₹200 on travel-related categories (airlines, hotels, dining). 

• Accelerated Travel Cashback Rate: 1%. 

• Users will get 4 YES Rewardz Points on all other retail spends per INR 200. 

• Base Cashback Rate: 0.5%.

• Users will get 2 YES Rewardz Points on select-category spends per INR 200. 

• Select Categories Cashback Rate: 0.25%.

3.99% per month (47.8% annually)

• Value of 1 YES Rewardz Point is INR 0.25. 

• Users will get 16 YES Rewardz Points on spends of every INR 200 on air, hotel, dining, travel and rented-vehicle spends. 

• Accelerated Travel/Dining Cashback Rate: 2%. 

• Users will get 8 YES Rewardz Points on all other retail spends per INR 200. 

• Base Cashback Rate: 1%. 

3.80% per month (45.6% annually)

• Value of 1 YES Rewardz Point is INR 0.25. 

• Users will get 12 YES Rewardz Points on spends of every INR 200 on online fashion, beauty, travel, dining and grocery spends. 

• Accelerated Online Cashback Rate: 1.5%. 

• Users will get 8 YES Rewardz Points on all other online spends per INR 200. 

• Online Cashback Rate: 1%. 

• Users will get 4 YES Rewardz Points on all offline spends per INR 200. 

• Offline Cashback Rate: 0.5%.

• MyRupaya Tip: Use the card for purchasing coupons /tickets on the Yes Bank rewards portal to get more value out of each point. 

3.80% per month (45.6% annually)

• Users will get 10 Pop Coins for every INR 100 spent on e-commerce and online transaction on any website. 

• Value of 1 Pop Coin = INR 0.1. 

• Online Cashback Rate: 1%. 

• 7 Pop Coins on making any payment through UPI QR. 

• UPI Cashback Rate: 0.7%. 

• Get 2 Pop Coins on all other spends. General Cashback Rate: 0.2%. 

• MyRupaya Tip: Use Pop Coins to puchase brand vouchers on the PoP App to get more value for each Pop Coin. 

3.75% monthly, 55.5%

•  Cardholder will earn 7 BluChips on spending INR 100 on booking flights through Indigo app and website. 

• Value of 1 BluChip = INR 1 (when used for booking Indigo flights).

• Indigo Cashback Rate: 7%. 

• User will earn 3 BluChips on hotel and grocery spends. 

• Grocery+ Cashback Rate: 3%. 

• User will earn 2 BluChip on all other sepends. 

• General Cashback Rate: 2%

3.75% monthly, 55.5%

•  Cardholder will earn 3 BluChips on spending INR 100 on booking flights through Indigo app and website. 

• Value of 1 BluChip = INR 1 (when used for booking Indigo flights).

• Indigo Cashback Rate: 3%. 

• User will earn 2 BluChips on dining and grocery spends. 

• Dining+ Cashback Rate: 2%. 

• User will earn 1 BluChip on all other sepends. 

• General Cashback Rate: 1%

3.75% (Annualized 45%).

• Reward System: Value of 1 Air Mile is INR 1 when redeemed for flights/hotels on Kotak's Unbox platform (best case). 

• Users will get 10 Air Miles on spends of every INR 100 on flight and hotel bookings (including add-ons) made through the Kotak Unbox platform. 

• Kotak Unbox Travel Cashback Rate: 10%. 

• Users will get 3 Air Miles on all other eligible spends per INR 100. 

• General  Cashback Rate: 3%.

3.75% (Annualized 45%)

• Users will get 17 Indigo Blue Chips on booking flight and hotels through the Indigo App/Website. 

• Value of 1 Indigo Blue Chip for booking flights and hotels through the Indigo App / Website is INR 1. 

• Special Travel Cashback Rate: 17%. 

• User will get 3 Indigo Blue Chips on dining and entertainment. 

• Dining+ Cashback Rate: 3%. 

• Cardholders will get 2 Indigo Blue Chip on all other categories. 

• General Cashback Rate: 2%.

3.75% (Annualized 45%)

• Value of 1 reward point is INR 1 (cashback accrues as reward points and redeems 1:1 as statement cashbacck.

• Users will get 5 reward points on spends of every INR 100 on online food delivery, groceries and entertainment.

• (OTT, movies, gaming). Online Food/Grocery/Entertainment Cashback Rate: 5%. 

• Users will get 3 reward points on all fuel spends per INR 100. 

• Fuel Cashback Rate: 3%. 

• Users will get 0.5 reward points on all other eligible spends per INR 100. 

• Base Cashback Rate: 0.5%. 

• 5% and 3% cashback has single max cap of INR 750 per month. 

3.50% monthly, 42% annually.

• Get 1 reward point on every INR 500 spent. Value of 1 reward point = INR 1. 

• General Cashback Rate: 0.20%. 

• If the user has spent atleast INR 100 in the previous cycle he will get 2x reward points. 

• Special 2x Cashback Rate: 0.4%. 

• Get 4x reward points if you start at 2x at the beginning of the month and thereafter spend INR 15,000 in a month. 

• Special 4x Cashback Rate: 0.8%. 

• Get 8x reward points if you start at 4x at the beginning of the month and thereafter spend INR 30,000 in a month. 

• Special 8x Cashback Rate: 1.6%. 

3.49% per month (41.88% annually)

• Creditcardholder will get 1% cashback on the payment of total due amount at the end of the month. 

• Maximum cashback capped at INR 1,000 per month. 

3.49% per month (41.88% annually)

• Value of 1 reward point is INR 0.25. 

• Users will get 8 reward points on spends of every INR 100 on dining, travel, tax payments and software purchases. 

• Dning/ Travel/ Tax/ Software Cashback Rate: 2%. 

• Users will get 2 reward points on all other purchases per INR 100. Other Purchases Cashback Rate: 0.5%. Users will get 1 reward point on utility and insurance spends per INR 100. Utility+ Cashback Rate: 0.25%.

3.49% per month (41.88% annually)

• Reward System: Value of 1 reward point is INR 0.25. 

• Users will get 4 reward points on spends of every INR 100 on international spends. 

• International Cashback Rate: 1%. 

• Users will get 2 reward points on all domestic spends per INR 100.

• Domestic Cashback Rate: 0.5%. 

• Users will get 1 reward point on insurance, utility and telecom spends per INR 100 (capped at 100 reward points per transaction). 

• Utility+ Cashback Rate: 0.25%. 

3.49% per month (41.88% annually)

Value of 1 reward point is INR 1 when redeemed as Paytm Gold on the Paytm app. 

• Users will get 2 reward points on spends of every INR 100 on Paytm UPI Scan & Pay for transaction values between INR 100 and INR 2,000. 

• Paytm UPI Cashback Rate: 2%. 

• Users will get 1 reward point per INR 100 on Paytm UPI Scan & Pay for transaction values above INR 2,000. 

• Paytm UPI (above INR 2,000) Cashback Rate: 1%. 

• Users will get 1 reward point on spends of every INR 400 on UPI transactions via other (non-Paytm) UPI apps. 

• Other UPI Apps Cashback Rate: 0.25%. 

• Users will get 5 reward points on spends of every INR 100 on Paytm Travel and Paytm Gold. 

• Paytm Travel & Gold Cashback Rate: 5%. 

• Users will get 1 reward point on all online spends per INR 100. 

• Online Cashback Rate: 1%. 

• Users will get 1 reward point on all offline spends per INR 100. 

• Offline Cashback Rate: 1%. 

• Users will get 1 reward point on Paytm utility bill payments per INR 100 via the Paytm app. 

• Utility Cashback Rate: 1%.

3.49% per month (41.88% annually)

• Users will get 4 reward points of spend of every INR 100 on UPI through Zag Money App. 

• Value of 1 reward point is INR 0.25. 

• UPI Cashback Rate: 1%. Users will get 8 reward points of spend of every INR 100 on UPI through Zag Money App when spends exceed INR 10,000. 

• UPI Special Cashback Rate: 2%. 

• Users will get 2 reward points of spend of every INR 100 on UPI through other apps. 

• UPI Other Cashback Rate: 0.5%. 

• Max cashback per month: INR 500. 

• Transaction value to be a minimum of INR 500 in order earn points.

3.49% per month (41.88% annually)

• User will get 5% cashback on spends over INR 1.5 Lakh. 

• User will get 2% cashback on UPI scan and pay spends. 

• Cardholder will get 0.5% cashback on online payments

3.49% per month (41.88% annually)

Interest Rate: 3.49% per month (41.88% annually)

• Users will get 15 reward points of spend of every INR 100 on dining, movies, grocery and deparmental store. 

• Value of 1 reward point is INR 0.25. 

• Special Cashback Rate: 3.75%. 

• User will get 3 reward point on all online and offline spends per INR 100. 

• General Cashback Rate: 0.75%. 

• User will get 1 reward point on all offline spends per INR 100. 

• Offline Cashback Rate: 1%. 

• User will get 1 reward point on utility, insurance and telecom spends. Utility+ Cashback Rate: 0.25%. 

• Also user will get 2x reward points between 1st and 5th of every month. 

Interest Rate: 3.49% per month (41.88% annually)

• Cardholder will earn 1% Cashback on monthly spends of INR 7,500. 

• Cardholder will earn 2% Cashback if monthly spends exceed INR 7,500 upto INR 12,500.

• Cardholder will earn 3% Cashback on monthly spends exceed INR 12,500 upto INR 20,000.

Interest Rate: 3.49% per month (41.88% annually)

• Users will get 12 reward points of spend of every INR 100 on international spends. 

• Value of 1 reward point is INR 0.25. 

• International Cashback Rate: 3%. 

• User will get 8 reward point on all online spends per INR 100. 

• Online Cashback Rate: 2%. 

• User will get 4 reward point on all offline spends per INR 100.

• Offline Cashback Rate: 1%. 

• User will get 1 reward point on utility, insurance and telecom spends. 

• Utility+ Cashback Rate: 0.25%.