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

• 3% cashback on Paytm Mall, movies and travel.

• 2% cashback on all other purchases on the Paytm app. 

• 1% cashback on any other spends across millions of offline and online stores. 

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

• Users will get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month).

• 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month).

• 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.

0.75% to 3.5% per month (9% to 42% per annum)

• Users will get up to 6.5% savings on fuel expenses.

• 5% savings as rewards on grocery & utility expenses.

• 5% savings as rewards on IDFC FIRST FASTag recharge.

• 3X rewards on other retail transactions.  1 RP = 0.25 paisa.

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

• 10 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: 2.5%. 

• Get 10 points on spend of every INR 100 on dining, 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%.

3.50%, 42% annually.

• 6 6E rewards for every INR 100 spent on IndiGo spending,

• 3 6E rewards for every INR 100 spent on merchant spending (Dining, Grocery & Entertainment).

• 2 6E rewards for every INR 100 spent on other categories. 

• 1 6E = INR 1  Effective cashback rate: 6% (IndiGo spends), 3% (Dining, Grocery & Entertainment), 2% (other spends). 

The IDFC FIRST SWYP Credit Card is unique in that it doesn't charge a traditional interest rate. Instead, it uses a flat fee system for converting purchases above ₹2,500 into EMIs (Equal Monthly Installments).

• The value of 1 reward point is Rs. 0.25. 

• Users will get 200 reward points on a monthly spend of INR 5,000. Effective cashback rate: 1%.

• Users will get 500 reward points on a monthly spend of INR 10,000. Effective cashback rate: 1.25%.

•  Users will get 1,000 reward points on a monthly spend of INR 15,000. Effective cashback rate: 1.67%. 

• 100 reward points on monthly UPI spends of ₹5,000 or more (excluding fuel and rent transactions). Effective cashback rate: 0.50%.

3.40% per month (49.96% per annum)

• Users will get 4 Edge reward points on spending INR 100 domestically and 8 Edge reward points on spending INR 100 internationally. 

• Value of 1 Edge point: INR 0.20. 

• Domestic cashback rate: 0.8% 

• International cashback rate 1.6%.

2.50% per month (APR) of 30%.

• 1 reward point has value of INR 0.20. 

• Users will earn 6 reward points for every INR 200 spent on domestic and international transactions.

• Effective cashback rate: 0.6%. 

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%. 

3.60% p.m. 43.20% p.a.

• Users earn 3 Reward Points for every INR 200 spent. 

• Value of 1 Reward Point = INR 0.20. 

• General cashback rate: 0.30%.

• Users earn 2X Reward Points on eligible shopping, mobile recharge and hotel-booking spends, giving an effective cashback rate of 0.60%.

Interest Rate: 3.60% p.m. 43.20% p.a.

• Users earn 2 Reward Points for every INR 200 spent. 

• Value of 1 Reward Point = INR 0.30. General cashback rate: 0.30%.

• On qualifying spends eligible for 50% additional rewards, effective cashback rate can increase to approximately 0.45%.

0.75% to 3.5% per month (upto 9%- 42% per annum)

• Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 

• 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 

• 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 

• 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%. 

• 3X reward points on rental and property management transactions, cashback rate: 0.50%.

3.6% per month (52.86% per annum).

• Users will get 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payment (Capped at INR 300). 

• 10% cashback on utility bill payments such as gas, electricity, etc (Capped at INR 300 per month). 

• 10% cashback on Swiggy, Zomato and BigBasket (Capped at INR 500 per month). 

• 1% cashback on all other spends.

3.80% monthly, 45.60% annually.

• The value of 1 reward point is INR 1.

• Users will get 6 reward points per INR 200 spent on e-commerce transactions. 

• E-commerce Cashback Rate: 3%.

• Users will get 3 reward points per INR 200 spent on other spends. 

• General Cashback Rate: 1.5%.

3.99% monthly, 47.88% annually.

• 1 reward point per ₹150 spent. 1 reward point = ₹0.25. 

• Users will earn 5X reward points on all spending excluding 1X and 3X categories mentioned below. Effective cashback rate: 1.25%.

• Users will earn 1X reward points for spending on insurance premiums and utility bill payments. Effective cashback rate: 0.165%. 

• Users will earn 3X reward points for spending on rental & property management, government services, education and wallet load transactions. Effective cashback rate: 0.50%. 

• Users can get 10X reward points on incremental spending above ₹20,000 in a monthly statement cycle. Effective cashback rate: 2.5%.; 

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

• Users will get 6 reward points for every INR 100 spent on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month) and international spent (Up to 5000 reward points per month). 

• Value of 1 reward point = INR 0.25.

• Grocery+ Cashback Rate: 1.5%

• 1 reward point on every INR 100 spent on all other categories.

• General Cashback Rate: 0.25%.

Interest Rate: 3.83% per month and 46% per annum.

• Get 2 reward points on every INR 100 spent on UPI transactions.

• Value of 1 reward point is INR 0.35. 

• UPI cashback rate:  0.70%. 

• Get 1 reward points on every INR 100 spent on non-UPI transactions. 

• Non-UPI cashback rate:  0.35%.

3.6% p.m. (52.86% p.a.)

• Users will be awarded 2 EDGE reward points for every Rs. 200 spent (1 EDGE reward point for every Rs. 100 spent). 

• 1 reward point = Rs. 0.20. 

• Effective cashback rate: 0.2%.

2.50% monthly, 30% annually.

None.

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

• Users will get 25 points on spending every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. 

• Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month). 

• 10 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 2.5% (Capped at 7500 reward points per month). 

• 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.