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 acheiving milestone spend of INR 20,000 in any month, cardholder will get 20X points for all spends made in that month.

• Special cashback rate: 2%.

2.5% per month, 30% per annum.

• For every e-commerce/general transaction, users will earn 1 reward point for INR 100 spent. 

• Where 1 cashback point = INR 1.00. 

• General Cashback Rate: 1%. 

• Cardholders will get 5x reward points on POS transactions (credit card swipe machine transactions). 

• POS Cashback Rate: 5%. 

• Cardholders will get 10x reward points on fuel transaction made via credit card through UPI (max cashback in a month: INR 400). 

• Fuel UPI Cashback Rate: 10%

2.95% per month, 35.89% annually.

• 1 reward point per INR 100 spent. 

• 1RP= INR 0.25. 

• General Cashback Rate: 0.25%.

• Cashback of 2% for all transactions over and above INR 2500. subject to a ceiling of INR 50 per transaction at Patanjali stores.

• Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using PNB-Patanjali credit card.

3.75% per month, 45% per annum.

• The value of 1 reward point = INR 0.10 Paisa. 

• Users will get 2 reward points for every INR 100 spent on fuel, dining, and travel.

• Dining+ Cashback Rate: 0.2% 

• Cardholders will get 1 reward point for every INR 100 spent on other purchases. 

• General Cashback Rate: 0.1%. 

• Cardholders will get 5x reward points on top two categories of spends such as travel, groceries, and entertainment. 

• Special Cashback Rate: 1%.

2.50% monthly, 30% annually.

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

• Value of 1 reward point = INR 0.25. 

• General Cashback Rate: 0.50%.

3.99% p.m (upto 47.88% p.a)

None.

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 general cashback rate: 0.50%.

3.50% monthly, 42% annually. 

• Users will get 2 reward point per INR 200 on every travel spend. 

• 1 reward point = INR 1 for air mile/hotel booking using partner travel portals. 

• Hotel/Air Cashback Rate: 1%.

• User will earn 1 reward point per INR 200 on other spends.

• General Cashback Rate: 0.5%

• Value of reward point is lower then INR 1 when redeemed against other products/services. 

3.6% per month, 43.2% per annum.

• 1 reward point =0.25 paise. 

• 5X i.e. 5 reward points on dining, online and utility bills. (Effective cashback rate: 1.25%). (Maximum 1000 reward points per month).

• 1 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 0.25%).

3.49% per month, 41.88% per annum.

• 1 reward point =INR 0.25. 

• 5X i.e. 15 reward points on travel, online, dining, and international spending. 

• Special Cashback Rate: 3.75% (Maximum 2500 reward points per month).

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

• General Cashback Rate 0.75%.

1.99% monthly, 23.88% annually.

• Users will receive 4 reward points for every INR 150 spent.  

• 1 reward point = Upto Rs. 0.20. 

• General cashback rate: 0.53%. 

• 5x 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) Google Ads, (g) Meta, (h) Reliance Digital

• Special Cashback Rate: 2.65%.

• Cardholder can earn a maximum of 5,000 reward points per statement cycle. 

3.99% p.m (upto 47.88% p.a)

• Reward system: Users will earn 1 reward point for every Rs. 100 spent. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. 

• Users will get 12 reward points for every INR 100 spent on online spends, except for online purchases. 

• The maximum reward points that can be earned in a month can be 800 reward points. Online cashback rate: 3%.

3.25% per month, 39% per annum.

• 1 reward point is equal to .25 paise. 

• Users will receive 3 reward points for every INR 100 spent. General cashback rate: .75%. 

• 5X reward points on dining, travel and international spending. Cashback rate: 3.75%.

• 5X rewards are capped at 5,000 reward points on the mentioned categories per statement cycle.

0.75% monthly, 9% annually.

• 1% cashback on UPI spend via the IDFC FIRST Bank mobile app. 

• 0.5% cashback on UPI spends via other apps. 

• 0.5% cashback on all online spends, cashback will be capped at INR 500 in a statement cycle.

2.50% monthly, 30% annually.

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

• Value of 1 reward point = INR 0.25. 

• General Cashback Rate: 0.50%.

3.99% p.m (upto 47.88% p.a).

• Users will earn 2 reward point for every INR 100 spent.

• The value of 1 reward point is INR 0.25.

• General Cashback Rate: 0.50%. 

• Users will get 10 reward point for every Rs. 100 spent on international purchases. 

• International Cashback Rate: 2.50%.

2.50% monthly, 30% annually.

None.

Up to 3.99% per month or 47.88% per annum.

• 1 fuel point = INR 0.5. 

• Users will get 1 fuel point for every transaction worth INR 100 like shopping etc. General cashback rate: .50%. 

• Users will get accelerated 10 fuel points on every INR 100 spent at IndianOil fuel stations (Maximum 1,000 fuel points per month). Cashback rate: 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%.; 

3.80% 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%.