3.50% per month (42% per annum) from the transaction date. 

• Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. 

• Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%.

• 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.

Interest Rate: 1.79% per month and 21.48% per annum.

• Users will get 1.5 reward points for every INR 100 spent.

• Value of 1 reward point = INR 1.  Cashback percentage: 1.5%.

• Users can also exchange 1 reward point also for 1 air mile.

3.4% per month (or 40.8% per annum)

• Users will get 0.5 MyCash on every INR 100 spent on domestic spending.

• Value of 1 MyCash= INR 1. Domestic cashback rate: 0.5%.

• Get 0.62 MyCash on every INR 100 spent on international spending. Value of 1 MyCash= INR 1. International cashback rate: 0.62%.

• Get 1 MyCash on every INR 100 spent on flight booking. Value of 1 MyCash= INR 1. Flight booking cashback rate: 1%.

• Get 1.5 MyCash on every INR 100 spent on hotel/holiday booking. Value of 1 MyCash= INR 1. Holiday/hote cashback rate: 1.5%.

3.6% per month i.e. 43.2% annually

• Users will get 1 reward point for every INR 100 spent.

• The redemption against the statement balance will be at the rate of 1 Cashpoint = ₹1. Effective cashback rate of 1%.

• Cashpoints can also be used for redemption against travel benefits like Flight & Hotel bookings and the Rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cashpoint = Upto INR 0.30.;

• Customers can get 5% cashback on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of INR 2000, Max ₹1000 cashback per calendar month in first 6 months, Max ₹ 750 cashback post 6 months from card issuance).; 

• 2.5% cashback on all online spends (minimum transaction size of ₹2000, maximum cashback = INR 750/calendar month).

• 1% cashback on all offline spends and Wallet reloads (Minimum transaction size of INR 100, maximum cashback = ₹750/calendar month).

3.75% per month (45% p.a.)

• 1 Turbo Point = Rs. 1.

• Users will be awarded 4 Turbo points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country. Cashback rate: 2.67%. 

• 2 Turbo points / Rs. 150 spent on groceries and supermarkets. Cashback rate: 1.33%. 

• 1 Turbo point / Rs. 150 on all other spends. Effective cashback rate: 0.66%.

Interest Rate: 3.67% per month (annual interest rate - 42%). 

• Value of 1 MyCash= INR 1.

• Users will get 0.62 MyCash on every INR 100 spent on domestic spending.

• Domestic Cashback Rate: 0.62%. 

• 0.75 MyCash on every INR 100 spend on international spends. 

• International Cashback Rate: 0.75%. 

• 0.75 MyCashMyCash on every INR 100 spend on flight booking. 

• Flight Booking Cashback Rate: 0.75%. 

• 1.5 MyCash on every INR 100 spend on hotel/holiday booking. 

• Holiday/Hotel Cashback Rate: 1.5%.

3.49% p.m. (41.88% p. a.)

• The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.

• Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.

3.49% per month (41.88% annually).

• The value of 1 reward point = INR 0.25. Users will get 4 reward points per INR 100 retail spent on grocery & departmental stores. Grocery cashback rate: 1%.

• 2 reward points per INR 100 retail spent across all other merchant categories. Effective general cashback rate: 0.50%. 

• 1 reward points per INR 100 spend on rent, insurance, BBPS, education & govt and utility & telecom categories. Utilities cashback rate: 0.25%.

3.50% p.m. (APR) of 35.4%.

• Users will earn 1 Membership rewards point for every Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash transactions and EMI conversion at Point of Sale(PoS). 

• Effective cashback rate: 1%.

3.67% per month (44.04% per annum)

• Users will get 2 ICICI Bank reward points INR 100 on all domestic transactions.

•  Value of 1 reward point = INR 0.25. General cashback rate = 0.50%.

• 2 reward points per INR 100 spends on international spends. International cashback rate = 0.50%

• 3 points on all spends during Manchester United on match days. Effective match day cashback rate: 0.75%.

Interest Rate: 3.5% per month, 42% per year.

• Users will get 10 Zen points for every INR 150 spent on apparels, lifestyle goods, departmental stores and jewellery. 

• Value of 1 Zen point = INR 0.25. Shopping cashback rate: 1.6%. 

• 5 Zen points on all other spends of INR 150. General cashback rate: 0.8%.

3.75% (45% annualized)

• Users will be awarded a minimum of 1 reward point on every ₹ 100 spent on online and in-store purchases.

• 1 point = 1 INR. Effective cashback rate: 1%.

• Users can earn 5x ThankYou points on flights booked directly with airlines or on select car rentals booked through Citi. Special Cashback Rate: 5%

Does not have a traditional interest rate

• The value of 1 RP = INR 0.50.

• Users will get 2 Membership rewards points per Rs. 100 spent on flights and hotels booked through American Express Travel. Effective cashback rate: 1%.

•  1 Membership rewards point per Rs. 100 spent on all other purchases. Effective cashback rate: 0.50%.

3.50% per month (42% per annum) from the transaction date. 

• Value of 1 point Rs. 0.25. 

• Users will get 6 Etihad guest miles on every INR 100 spent on Etihad.com. Effective cashback rate: 1.50%. 

• 4 Etihad guest miles on every INR 100 spent on International spending. Effective cashback rate: 1%. 

• 2 Etihad guest miles on every INR 100 spent on other spend. Effective cashback rate: 0.50%.

• Users will get 3% on Economy Class and 10% on Business Class discount on direct Etihad Airways booking.

3.99% per month or 47.88% per annum.

• Earn 5 reward points for every INR 100 spent on domestic purchases, and  10 reward points for every INR 100 spent on international spends.  

• 1 RP =0.25paise.  Domestic cashback rate: 1.25%, and  International cashback rate: 2.5%.

3.50% per month (42% per annum) from the transaction date. 

• Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. 

• Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. 

• Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

3.50% per month (42% per annum) from the transaction date. 

• Users will earn 1.5 CV points per INR 100 spent on all spending. 

• Value of 1 point = INR 0.75. Cashback rate: 1.12%.

3.50% per month (42% per annum) from the transaction date. 

• Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. 

• Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%.

• 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.

3.4% per month (or 40.8% per annum)

• Users will get 5 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Value of 1 reward point = INR 0.25. Cashback rate: 1.25%. 

• 1 reward point on spend of Rs. 100 on all other categories. General cashback rate: 0.25%. 

3.40% per month or 40.80% per annum.

• Users will earn 3 ICICI reward points per Rs. 100 spent on your card (except fuel). 

• 1 ICICI rewards point per Rs. 100 spent. Generally, 1 point is worth Rs. 0.25 to Rs. 0.40 for vouchers, merchandise, or gift cards. Effective cashback rate: 0.75% to 1.2%.

• 3 PAYBACK points per Rs. 100 spent on retail shopping (except fuel). 1 PAYBACK point per Rs. 100 spent on utilities and insurance.