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Credit Card
Credit Card
Explore India's largest collection of unbiased credit card reviews. All credit cards reviews are unpaid and the rating provided by us is completely objective. Compare the pros, cons, special features and various fees associated with credit cards.
Credit Card
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
IDBI Bank
IFM- upto 3.5%
2.9% (p.m.) i.e. 34.80% p.a.
Cashback Rate
MyRupaya Ratings :-
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IDBI Aspire Platinum
Bank / CC Company
Cashback Rate
Cashback Rate
IDBI Bank
Foreign Currency Transactions mark- up 3.5%
2.9% (p.m.) i.e. 34.80% p.a.
The value of 1 Delight point is 0.25 Paisa.
Users will earn 2 Delight points for every 150 spent.
General Cashback Rate: 0.33%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
HDFC Bank
3.50%
3.75% monthly, and 45.0% annually.
Cashback Rate
MyRupaya Ratings :-
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HDFC Bank Biz Grow Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
HDFC Bank
Foreign currency markup: 3.50%.
3.75% monthly, and 45.0% annually.
Users will receive 2 cash points on spending INR 150.
Value of 1 cash point = INR 0.25
General cashback: 0.33%.
10x cashback on (a) bill payment for utilites via Smartpay app/website or Payzapp app/website, (b) income tax/advance tax payment, (c) GST tax payment, (d) hote and flights booked through MMTBiz app/website, (e) business tools like, Office 365, Google, Azure, Tally, AWS, etc. (f) Dmart, (g) Cleartax app/website.
Special Cashback Rate: 3.33% (Maximum 1,500 Cash Points per statement cycle.)
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Axis Bank
3.5% of the transaction value.
3.6% p.m. (52.86% p.a.)
Cashback Rate
MyRupaya Ratings :-
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Axis KWIK Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Axis Bank
Foreign Currency Mark-up fees: 3.5% of the transaction value.
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
HDFC Bank
IFM- 3.5%
3.60% p.m. 43.20% p.a.
Cashback Rate
MyRupaya Ratings :-
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HDFC All Miles Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.60% p.m. 43.20% p.a.
Users will get 3 reward points for every Rs. 150 spent.
1RP= Rs 0.20.
General cashback rate: 0.40%
2x reward points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
Special cashback rate: 0.8%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
HDFC Bank
3.5%
3.6% per month (43.2% per annum)
Cashback Rate
MyRupaya Ratings :-
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HDFC Moneyback Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.6% per month (43.2% per annum)
1 reward point = INR 0.20.
Users will get 2 reward points for every INR 150 spent.
General Cashback Rate 0.27%
2X reward points i.e. 4 reward points for every Rs. 150 spent online.
Online Cashback Rate: 0.54%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Union Bank of India
16% per annum on reducing balances
Cashback Rate
MyRupaya Ratings :-
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Union Bank of India Visa Gold Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Union Bank of India
Foreign Currency Transactions Fees: 3%.
16% per annum on reducing balances
The value of 1 reward point = INR 0.25.
Users can earn 2 reward point for every INR 100 spent.
General Cashback Rate: 0.5%
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
ICICI Bank
Up to 3.5%
3.40% per month or 40.80% per year
Cashback Rate
MyRupaya Ratings :-
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ICICI Bank Rubyx Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
ICICI Bank
Foreign Currency Transaction Fee:3.5% on all international transactions.
3.40% per month or 40.80% per year
1RP = Rs. 0.25.
Users will earn 2 reward points on every ₹100 domestic spends, effective cashback rate: 0.50%.
4 reward points on every ₹100 international spends, effective cashback rate: 1%.
1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Bank of India
IFM- Upto 3.5%
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
Cashback Rate
MyRupaya Ratings :-
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Bank of India SwaDhan Rupay Platinum Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Bank of India
3.50%
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Bank of India
IFM- Upto 3.5%
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)
Cashback Rate
MyRupaya Ratings :-
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Bank of India Rupay Platinum Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Bank of India
3.50%
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Federal Bank
3.5%
41.88% (3.49% per month)
Cashback Rate
MyRupaya Ratings :-
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Federal Bank Rupay Wave Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Federal Bank
Foreign Currency Mark-up Fees: 3.5%
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Bank of India
IFM- upto 3%
1.70% per month (20.45% per annum).
Cashback Rate
MyRupaya Ratings :-
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Bank of India Visa Gold Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Bank of India
Foreign transaction fee: 3% on all foreign currency transactions.
1.70% per month (20.45% per annum).
The value of 1 StarPoint = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 spent.
Effective general cashback rate: 0.50%.
4 StarPoints on every Rs. 100 spent at e-commerce transactions, and point of sales transactions.
Special cashback rate: 1%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Kotak Mahindra Bank
Interest Rate: 3.5% per month, 42% per year
Cashback Rate
MyRupaya Ratings :-
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Kotak Urbane Gold Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Kotak Mahindra Bank
Foreign Currency Mark Up 3.5%
Interest Rate: 3.5% per month, 42% per year
Users will get 3 reward points per Rs. 100 spend on all retail transactions.
1 RP = 0.25 Paisa.
General Cashback Rate: 0.75%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Bank of Baroda
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
Cashback Rate
MyRupaya Ratings :-
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Prime Bobcard
Bank / CC Company
Cashback Rate
Cashback Rate
Bank of Baroda
Foreign Currency Transaction fee: 3.50% of the transaction amount.
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
Users will earn 2 reward points for every INR 100 spent.
Value of 1 point = INR 0.20
Effective Cashback Rate: 0.4%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Axis Bank
3.5%.
Interest Rate: 3.6% per month (52.86% per annum).
Cashback Rate
MyRupaya Ratings :-
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LIC Axis Bank Platinum Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Axis Bank
Forex Markup: 3.5%
Interest Rate: 3.6% per month (52.86% per annum).
Users will earn 2 reward points for every INR 100 spent on LIC Premium payments and foreign currency transactions.
Value of 1 reward point: INR 0.20.
Special Cashback Rate: 0.4%
Cardholder will earn 1 reward point for every INR 100 spent on all other transactions except fuel, wallet load and EMI conversions.
General Cashback Rate: 0.2%
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
2.95% p.m. (35.89% p. a.)
Cashback Rate
MyRupaya Ratings :-
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PNB Rakshak Rupay Platinum Card
Bank / CC Company
Cashback Rate
Cashback Rate
Punjab National Bank
Foreign Currency Transactions Fees: 3.5%.
2.95% p.m. (35.89% p. a.)
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
J&K Bank
IFM- 3.50%
3% per month and APR (Annualized
Percentage Rate of 36%)
Cashback Rate
MyRupaya Ratings :-
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J&K Bank Platinum Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
J&K Bank
Foreign Currency Transactions Fees: 3.5%.
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
HDFC Bank
3.50%
3.75 monthly, 45% annually
Cashback Rate
MyRupaya Ratings :-
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HDFC Bank UPI RuPay Biz Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
HDFC Bank
Foreign currency markup: 3.50%
3.75 monthly, 45% annually
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
Union Bank of India
16% per annum
Cashback Rate
MyRupaya Ratings :-
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Union Bank Rupay Platinum Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
Union Bank of India
Foreign Currency Transactions Fees: 3%.
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%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
IDFC First Bank
3.5%.
3.6% per month (52.86% per annum).
Cashback Rate
MyRupaya Ratings :-
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IDFC First Wow Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
IDFC First Bank
Forex Markup: 0% for all international transaction.
3.6% per month (52.86% per annum).
Users will get 4 reward points per Rs. 150 spent.
The value of 1 reward point = Rs 0.25. Cashback rate: 0.66%.
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Bank / CC Company
Forex Markup
Interest Rate
Cashback Rate
ICICI Bank
Up to: 3.5%
3.40% per month (40.80% annualized)
Cashback Rate
MyRupaya Ratings :-
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ICICI Bank Platinum Chip Credit Card
Bank / CC Company
Cashback Rate
Cashback Rate
ICICI Bank
Foreign Currency Mark-up Fees: 3.5% of the transaction value.
3.40% per month (40.80% annualized)
Retail purchases (except fuel): 2 PAYBACK points per Rs. 100 spent.
Value of 1 point = INR 0.25.
General Cashback Rate: 0.5%
Insurance & utilities: 1 PAYBACK point per Rs. 100 spent.
Insurance+ Cashback Rate: 0.25%
- Page 17
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
IDBI Bank
0.33
2.9% (p.m.) i.e. 34.80% p.a.
Cashback Rate
MyRupaya Ratings :-
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IDBI Aspire Platinum
Bank / CC Company
Forex Mark-Up
Interest Rate
IDBI Bank
Foreign Currency Transactions mark- up 3.5%
2.9% (p.m.) i.e. 34.80% p.a.
The value of 1 Delight point is 0.25 Paisa.
Users will earn 2 Delight points for every 150 spent.
General Cashback Rate: 0.33%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
0.33
3.75% monthly, and 45.0% annually.
Cashback Rate
MyRupaya Ratings :-
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HDFC Bank Biz Grow Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign currency markup: 3.50%.
3.75% monthly, and 45.0% annually.
Users will receive 2 cash points on spending INR 150.
Value of 1 cash point = INR 0.25
General cashback: 0.33%.
10x cashback on (a) bill payment for utilites via Smartpay app/website or Payzapp app/website, (b) income tax/advance tax payment, (c) GST tax payment, (d) hote and flights booked through MMTBiz app/website, (e) business tools like, Office 365, Google, Azure, Tally, AWS, etc. (f) Dmart, (g) Cleartax app/website.
Special Cashback Rate: 3.33% (Maximum 1,500 Cash Points per statement cycle.)
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Axis Bank
0.2
3.6% p.m. (52.86% p.a.)
Cashback Rate
MyRupaya Ratings :-
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Axis KWIK Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Axis Bank
Foreign Currency Mark-up fees: 3.5% of the transaction value.
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
0.8
3.60% p.m. 43.20% p.a.
Cashback Rate
MyRupaya Ratings :-
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HDFC All Miles Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.60% p.m. 43.20% p.a.
Users will get 3 reward points for every Rs. 150 spent.
1RP= Rs 0.20.
General cashback rate: 0.40%
2x reward points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
Special cashback rate: 0.8%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
0.8
3.6% per month (43.2% per annum)
Cashback Rate
MyRupaya Ratings :-
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HDFC Moneyback Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign Currency Transactions Fees: 3.5%.
3.6% per month (43.2% per annum)
1 reward point = INR 0.20.
Users will get 2 reward points for every INR 150 spent.
General Cashback Rate 0.27%
2X reward points i.e. 4 reward points for every Rs. 150 spent online.
Online Cashback Rate: 0.54%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Union Bank of India
0.5
16% per annum on reducing balances
Cashback Rate
MyRupaya Ratings :-
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Union Bank of India Visa Gold Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Union Bank of India
Foreign Currency Transactions Fees: 3%.
16% per annum on reducing balances
The value of 1 reward point = INR 0.25.
Users can earn 2 reward point for every INR 100 spent.
General Cashback Rate: 0.5%
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
ICICI Bank
0.5
3.40% per month or 40.80% per year
Cashback Rate
MyRupaya Ratings :-
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ICICI Bank Rubyx Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
ICICI Bank
Foreign Currency Transaction Fee:3.5% on all international transactions.
3.40% per month or 40.80% per year
1RP = Rs. 0.25.
Users will earn 2 reward points on every ₹100 domestic spends, effective cashback rate: 0.50%.
4 reward points on every ₹100 international spends, effective cashback rate: 1%.
1 reward point on every ₹100 on utilities and insurance, effective cashback rate: 0.25%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of India
0.5
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
Cashback Rate
MyRupaya Ratings :-
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Bank of India SwaDhan Rupay Platinum Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of India
3.50%
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of India
0.5
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)
Cashback Rate
MyRupaya Ratings :-
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Bank of India Rupay Platinum Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of India
3.50%
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Federal Bank
0.125
41.88% (3.49% per month)
Cashback Rate
MyRupaya Ratings :-
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Federal Bank Rupay Wave Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Federal Bank
Foreign Currency Mark-up Fees: 3.5%
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of India
0.75
1.70% per month (20.45% per annum).
Cashback Rate
MyRupaya Ratings :-
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Bank of India Visa Gold Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of India
Foreign transaction fee: 3% on all foreign currency transactions.
1.70% per month (20.45% per annum).
The value of 1 StarPoint = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 spent.
Effective general cashback rate: 0.50%.
4 StarPoints on every Rs. 100 spent at e-commerce transactions, and point of sales transactions.
Special cashback rate: 1%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Kotak Mahindra Bank
0.75
Interest Rate: 3.5% per month, 42% per year
Cashback Rate
MyRupaya Ratings :-
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Kotak Urbane Gold Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Kotak Mahindra Bank
Foreign Currency Mark Up 3.5%
Interest Rate: 3.5% per month, 42% per year
Users will get 3 reward points per Rs. 100 spend on all retail transactions.
1 RP = 0.25 Paisa.
General Cashback Rate: 0.75%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Bank of Baroda
0.5
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
Cashback Rate
MyRupaya Ratings :-
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Prime Bobcard
Bank / CC Company
Forex Mark-Up
Interest Rate
Bank of Baroda
Foreign Currency Transaction fee: 3.50% of the transaction amount.
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
Users will earn 2 reward points for every INR 100 spent.
Value of 1 point = INR 0.20
Effective Cashback Rate: 0.4%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Axis Bank
0.2
Interest Rate: 3.6% per month (52.86% per annum).
Cashback Rate
MyRupaya Ratings :-
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LIC Axis Bank Platinum Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Axis Bank
Forex Markup: 3.5%
Interest Rate: 3.6% per month (52.86% per annum).
Users will earn 2 reward points for every INR 100 spent on LIC Premium payments and foreign currency transactions.
Value of 1 reward point: INR 0.20.
Special Cashback Rate: 0.4%
Cardholder will earn 1 reward point for every INR 100 spent on all other transactions except fuel, wallet load and EMI conversions.
General Cashback Rate: 0.2%
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Punjab National Bank
0.5
2.95% p.m. (35.89% p. a.)
Cashback Rate
MyRupaya Ratings :-
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PNB Rakshak Rupay Platinum Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Punjab National Bank
Foreign Currency Transactions Fees: 3.5%.
2.95% p.m. (35.89% p. a.)
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
J&K Bank
0.5
3% per month and APR (Annualized
Percentage Rate of 36%)
Cashback Rate
MyRupaya Ratings :-
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J&K Bank Platinum Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
J&K Bank
Foreign Currency Transactions Fees: 3.5%.
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
HDFC Bank
0.75
3.75 monthly, 45% annually
Cashback Rate
MyRupaya Ratings :-
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HDFC Bank UPI RuPay Biz Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
HDFC Bank
Foreign currency markup: 3.50%
3.75 monthly, 45% annually
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
Union Bank of India
0.25
16% per annum
Cashback Rate
MyRupaya Ratings :-
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Union Bank Rupay Platinum Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
Union Bank of India
Foreign Currency Transactions Fees: 3%.
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%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
IDFC First Bank
0.66
3.6% per month (52.86% per annum).
Cashback Rate
MyRupaya Ratings :-
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IDFC First Wow Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
IDFC First Bank
Forex Markup: 0% for all international transaction.
3.6% per month (52.86% per annum).
Users will get 4 reward points per Rs. 150 spent.
The value of 1 reward point = Rs 0.25. Cashback rate: 0.66%.
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Credit Card Issuer
Most Useful Cashback Rate %
Interest Rate
Fuel Surcharge
ICICI Bank
0.7
3.40% per month (40.80% annualized)
Cashback Rate
MyRupaya Ratings :-
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ICICI Bank Platinum Chip Credit Card
Bank / CC Company
Forex Mark-Up
Interest Rate
ICICI Bank
Foreign Currency Mark-up Fees: 3.5% of the transaction value.
3.40% per month (40.80% annualized)
Retail purchases (except fuel): 2 PAYBACK points per Rs. 100 spent.
Value of 1 point = INR 0.25.
General Cashback Rate: 0.5%
Insurance & utilities: 1 PAYBACK point per Rs. 100 spent.
Insurance+ Cashback Rate: 0.25%
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