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

• Users will get 10 points on spending every INR 150 on dining, movies, departmental stores and grocery spending. 

• Value of 1 point = INR 0.25. 

• Dining Cashback Rate is 1.6%. 

• 1 reward point on INR 100 on all other spends. 

• General Cashback Rate: 0.16%.; 

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. 

3.49% per month, 41.88% per annum.

• 1 reward point =0.25 paise. 5X reward points on departmental stores, and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month).  

• 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%.

3.4% per month (or 40.8% per annum)

• 2.5% cashback on purchase of fuel at HP petrol pumps on minimum purchase of INR 500. Max cashback capped at INR 100. 

• Get 2 reward points on all other spends. Value of 1 reward point = INR 0.25. General cashback rate: 0.5%.

3.75% per month (i.e., 45.00% annualized)

• 1 RP = Rs. 0.6.

• Customers get 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every INR 100 spent, Cashback Rate:4.2%).

• 10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every INR 100 spent, Cashback Rate: 3%).  

• 10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%).  

• 2 First Citizen Reward Points/Rs.200 on other spends (Effective Cashback Rate: 0.6%).

3.75% p.m. (45% p.a.)

• Users will get a 20% flat discount on domestic & international hotel bookings(Capped at INR 5000 and Rs 10000 respectively). 

• 10% flat off on domestic & international flight bookings (capped at INR 1000 and INR 5000 respectively). 

• 10 reward points on every INR 100 spent on booking standalone hotel and airline websites/apps/outlets. Value of 1 reward point = INR 0.25. Travel cashback rate = 2.5%. 

• 2 reward points on all other spends. General cashback rate: 0.5%.

Interest Rate: 2.95% per month (41.75% per annum).

• Users will earn 4 Edge reward points on spending INR 100. 

• Value of 1 Edge point: INR 0.20. Cashback rate: 0.8%.

2.50% monthly, 30% annually.

• Users will earn 2 reward points for every Rs. 100 spent on credit cards. 

• Value of 1 reward point = Rs.0.25. Effective cashback rate: 0.50%.

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

• Users earn 1 CashPoint for every INR 200 spent on other eligible spends. 

• 1 CashPoint = INR 0.15 for cashback, SmartBuy flights/hotels and eligible catalogue redemption. 

• General cashback rate: 0.075%. Users earn 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber, giving an effective cashback rate of 0.75%.

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

• Users will get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. 

• Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%.

• 20 reward points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. 

• 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. 

• On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 

• 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%.

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

• The value of 1 InterMiles = 1 Rs. 

• Users will earn 8 InterMiles on every Rs. 150 spent on retail spending. Cashback rate: 5.33%.

• 16 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com. Cashback rate: 10.66%. 

• 16 InterMiles on every Rs. 150 spent on every Hotel booked Interbook.intermiles.com. Cashback rate: 10.66%.

3.50%p.m. and 42%p.a.

• The value of 1 reward point for ICICI Bank Coral credit card is INR 0.25.  

• Users will earn 2 reward points on every INR 100 spent on their card (except fuel), 

• General Cashback Rate: 0.50%.

• Users will earn 1 reward point on every INR 100 spent on utilities and insurance categories.

• Utility Insurance Cashback Rate: 0.25%.

9% per annum. 

• User will earn 10X reward points on all general spends.

• 1 reward point =INR 0.25.

• General cashback rate: 2.5%.

• 3x points on rent and education spends. 

• Rent+ Cashback Rate: 0.75%.

• 1x points on insurance premiums. 

• Insurance Cashback Rate: 0.25%. 

• If the rewards points are used on the IDFC app to book a hotel or flight the value of the points will be INR 1.

3.49% per month, 41.88% per annum.

• 1 reward point = INR 0.25. 

• 5X reward points on departmental stores, and movies. 

• Special Cashback Rate: 2.5%. (Maximum 1000 reward points per month). 

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

• General Cashback Rate 0.50%.

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

• The value of 1 reward point = INR 0.25. 

• Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.

• 24 reward points for every fuel spend of Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%. 

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 expenses with a cashback rate of 1%.

• Cardholders can earn up to 5% value back as points on spends at TATA Partner outlets, and 3x points on dining, departmental store, grocery, and international spends.  

3% per month and APR (Annualized
Percentage Rate of 36%)

• The value of 1 reward point = INR 1. 

• Users will earn 1 reward point on every Rs.200/- spent on the card except on fuel purchases and cash withdrawal transactions. Effective cashback rate: 0.50%.

3.6% per month (52.86% per annum)

• Users will get 5% unlimited cashback on Flipkart and Myntra. 

• 4% unlimited cashback on Swiggy, Uber, Cleartrip, Cultfit, and PVR.

• 1.5% unlimited cashback on other categories.

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

• Users will get 3X reward points on every INR. 100 spent on all Apollo services. 

• Value of 1 point = INR 1, Apollo cashback rate: 3%. 

• 2X reward points on every Rs. 100 spent on dining, movies & entertainment. Dining, movies, entertainment cashback rate: 2%. 

• 1 reward point on every INR 100 spent on beauty & wellness services, effective cashback rate: 1%.

• 0.5 reward points on other retail spending. General cashback rate 0.5%.