3.6% per month (52.86% per annum)

• Users will get 28 SpiceClub points (16 SpiceClub points as a Spice Club member and 12 Spice Club points on a card spent on every INR 200 spent on the Spice Jet app. 

• 12 SpiceClub points for every INR 200 spent on online food order. 

• 6 SpiceClub points for every INR 200 spent on all other domestic retail & international transactions(excl fuel, wallet, EMI transaction). 

• These points can be redeemed for different purposes as specified by the bank from time to time. 

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

• Users will get 3 reward points per INR 100 spent at Ikea.

• Value of 1 reward point: INR 0.20. Ikea cashback rate: 0.6%.

• Users will get 2 reward points per INR 100 spent on dining transactions. Dining cashback rate: 0.4%. 

• Users will get 1 reward point on all other spends. General cashback rate: 0.2%.

• 20% off at partner restaurants.

3.6% per month i.e. 43.2% annually

• Users will get 10 CashPoints on  Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).

• Value of 1 reward point = INR 0.25.

•  5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 

• 2 cashback points on all other spends, general cashback rate: 0.33%.

Depends on your bank balance maintained in Federal Bank Saving Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001- 10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).

• The value of 1 reward point = INR. 0.25.

• Users will get 1 reward point on a spend of INR 100. 

• 3x rewards on spending for the Electronics & Apparel categories, cashback rate: 0.75%. 

• 2x rewards on the Entertainment category, cashback rate: 0.50%. 

• 1x rewards for other categories, effective cashback rate: 0.25%.

4% p.m. or 48% per annum

• Reward System: Cardholder will get 1 cash point on spending INR 100. 

• Value of 1 point is INR 0.1. 

• General cashback rate: 0.1%. 

• On achieving milestone spend of INR 10,000 in any month, cardholder will get 7X points for all spends made in that month. 

• Special cashback rate: 0.7%.

16% per annum

• The value of 1 reward point = 0.25. 

• Users will earn 2 RP for every INR 100 spent. 

• Effective cashback rate = 0.50%.

Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).

• User will earn 4 reward points for every INR 100 spent (maximum 800 Reward Points per statement cycle).

• 1 rewrd point = 0.25 paisa. 

• General Cashback Rate = 1%.

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

• Users will be awarded 10 points on spending every INR 100 on FabIndia stores. 

• Value of 1 point = INR 1. Effective FabIndia store cashback rate: 10%. 

• 3 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 3%. 

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

• 5% cashback on online spending without any kind of merchant restriction.  (maximum cashback of Rs 5,000 per month).

• 1% cashback on all offline spends. One of the best credit card for online shopping as there is no merchant restriction and a very high cashback rate: 5%.

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

• 15 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: 3.75%. 

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

3.75% per month i.e, 45.00% p.a.

• Users will receive 5% cashback on purchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 1500 per month. 

• 3% cashback on preferred merchants such as Swiggy, AJIO, Big Basket & Uber. Maximum cashback is capped at INR 500 per month. 

• 1% cashback on all other retail spend. Maximum cashback s capped at INR 2000 per month.

3.6% per month i.e. 43.2% annually

• Users will get 7% reward points on every Shoppers Stop spends. Maximum cap at ₹2000 per month.

• 2% reward points on Non-Shoppers Stop spends. Maximum cap at ₹2000 per month. 

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

• Users will earn 2 Edge reward points on spending INR 100. 

• Value of 1 Edge point: INR 0.20. Cashback rate: 0.4%.

• 15% discount at 200 partnered restaurants across the country. 

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

• 5% 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.

3.40% per month / 40.80% p.a.

• The value of 1 reward point for ICICI Bank Sapphiro credit card is Rs. 0.25. 

• Users will earn 2 reward points for every INR 100 spent on domestic transactions, effective cashback rate: 0.50%.

• 4 reward points for every INR 100 spent on international transactions, effective cashback rate: 1%.

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

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

• Users will get 10 reward points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies. Effective cashback rate: 2.5%. 

• 2 reward points will be awarded on Rs.100 spent on all other spends. Effective cashback rate: 0.5%. 

• Up to 5X reward points on dining, grocery, departmental and online spends.

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

• Value of 1 point = INR 0.25

• 10 point on spend of every INR 100 on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra. 

• Special Cashback Rate: 2.5%

• Get 5 reward points on all other online spends per INR 100. Effective online cashback rate: 1.25%.

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

41.88% (3.49% per month)

• 10% scapia coins on all normal purchases and 20% scapia coins on all travel purchases through the scapia app. 

• The value of 5 coins is INR 1.

• The effective cashback rate on normal transactions is 2% and the effective cashback rate on travel transactions is 4%.

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

• Users will be awarded 10 reward points per INR 100 spent on Aditya Birla Stores (Aditya Birla Fashion Online and Retail Stores: Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry, VI store). 

• Value of 1 point = INR 0.25. Effective Aditya Birla Cashback Rate: 2.5%. 

• 5 reward points per INR 100 spent on dining, entertainment & hotels. Effective dining/entertainment/hotel cashback rate: 1.25%. 

• 1 reward point per INR 200 spent on other purchases. Effective general cashback rate: 0.125%.

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

• Get 2 Edge reward points on spend of INR 125. 

• Value of 1 reward point = 0.20. General cashback rate = 0.32%.

• Get 20 reward points on spending INR 125 on apparel and departmental stores. Apparel and departmental stores cashback rate: 3.2% (subject to a cap of 1008 points per month).