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

• Users will get 1 reward point on spending INR 100. 

• Value of 1 reward point = INR 0.40. 

• General Cashback Rate: 0.4%.

3.49% per month (41.88% per annum)

• Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. 

• General cashback rate 3.33%.

• On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.

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

• Users will be awarded 5 points on spending every INR 100 on Reliance Retail stores. 

• Value of 1 point = INR 0.25. 

• Reliance Retail Cashback Rate: 1.25%. 

• 5 points on spend of every INR 100 on dining, movies & entertainment, domestic airlines and international spending. 

• Special Cashback Rate: 1.25%.

• 1 point on all other retail spends. 

• General Cashback Rate: 0.25%.

Finance charges#: Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards

• The value of 1 reward point = INR 1. 

• Users will get 3 reward points for every Rs. 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%.

• 1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.

• Cardholders can earn 5% value back as Croma points on spends at Croma and cromaretail.com, and 2% value back as Croma points at Tata outlets (including Tata Cliq, Tata Sky, Tata Power, and Tata Play).  

• 1 Croma point is earned for every Rs. 100 spent on other retail outlets.  8 complimentary visits per year to domestic MasterCard lounges in India (Max. 2 visits per quarter).

3.67% per month (44% per annum)

• Users will get 3 ICICI Bank reward points on spending INR 100 on all domestic transactions. 

• Value of 1 reward point = INR 0.25. 

• General Cashback Rate = 0.75%.

• 4 reward points per INR 100 spent on international spends. 

• International Cashback Rate = 1%.

• 5 points on all spends during Manchester United on match days. 

• Effective Match Day Cashback Rate: 1.25%.

41.88% (3.49% per month)

• Reward System: For every INR 200 you spend, you will earn 1 reward point. 

• 1 RP = 0.25 Paisa. 

• Effective General Cashback Rate: 0.125%. 

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. 

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

• Users will get 5 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). 

• Value of 1 point = INR 0.25. 

• Lifestyle+ Store Cashback Rate: 1.25%.

• 5 points on spend of every INR 100 on dining, movies & entertainment spends. 

• Dining/Entertainment Cashback Rate: 1.25%. 

• 1 reward point per INR 100 spent on other retail purchases (Non-fuel). 

• General Cashback Rate: 0.25%.

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.

1.70% p.m. (22.45% p.a.) on daily balances In case of default service charges is 2.50% p.m. (34.50 % p.a)

• The value of 1 reward point = INR 0.25.

• Users will get 2 StarPoints for every Rs. 100 on regular spending. 

• Effective general cashback rate: 0.50%.

• 3 StarPoints on every Rs. 100 spent at point of sales transactions and e-commerce transactions. 

• Special cashback rate: 0.75%. 

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%. 

1.20% p.m. (15.40% p.a.) on daily balances
In case of default service charges is 1.70% p.m. (22.45 % p.a

• The value of 1 reward point = INR 0.25. 

• Users will get 2 StarPoints for every Rs. 100 on regular spending. 

• Effective general cashback rate: 0.50%. 

• 4 StarPoints on every INR 100 spent at point of sales transactions and ecommerce transactions. 

• Effective cashback rate: 1%. 

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

• Card holders will get 8 reward points on spending INR 150. 

• Value of 1 reward point is INR 0.25. 

• General Cashback Rate: 1.3%.

2.95% per month, 35.89% annually.

• 1 reward point per INR 100 spent. 

• 1RP= INR 0.25.

•  General Cashback Rate= 0.25%.

• Users will get flat 10% off up to Rs. 1,000 on domestic flight bookings. 

• Users will get flat 10% off up to Rs. 5,000 on international flight bookings.

• Users will get a flat 20% discount up to Rs.5,000 on domestic hotel bookings.

• Users will get a flat 20% discount Up to Rs.10,000 on international hotel bookings.

• Users will get flat Rs.125 off on bus bookings on a minimum order value of Rs.500.

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%.

3.6% per month, 43.2% per annum.

• 1 reward point =INR 0.25 

• 5X i.e. 5 reward points on dining, online and utility bills. 

• Dining+ Cashback rate: 1.25%. (Maximum 1000 reward points per month). 

• 1 reward points for every INR 100 spent on any other category. 

• General cashback rate 0.25%.

3.6% p.m (43.2%p.a).

• 5% cashback on movie ticket bookings, grocery shopping, and utility bill payments.

• 0.75% on all other spends except fuel.

• 5% cashback on bill payments through YES PayNow.

3.40% per month (49.36% per annum).

• Users will get 5 Edge reward points on spending INR 100 domestically and 10 Edge reward points on spending INR 100 internationally.

•  Value of 1 Edge point: INR 0.20. Domestic cashback rate: 1%. International cashback rate 2%.

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

• Users will be awarded 10 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar).  Effective store cashback rate: 2.5%.

• Value of 1 point = INR 0.25.

• 10 points will be awarded for every INR 100 on dining, movies & entertainment spent. Effective dining/entertainment cashback rate: 2.5%. 

• 2 reward points per INR 100 spent on other retail purchases (non-fuel). Effective general cashback rate: 0.5%.

Interest Rate: 3.6% per month (52.86% per annum).

• Users will get 5% cashback on Freecharge spends

• 2% cashback on local commute, 1% cashback on all other spends

• 5% cashback on all spends made on the Freecharge app or website.

• 1% cashback on other spends.