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. 

• 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%.

3.49% per month (41.88% annually)

• Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR1,000 per billing cycle).

• 1.5% unlimited cashback on most other spends. 

3.6% per month (i.e., 43.2% per annum)

• 5% cashback on train ticket booking through HDFC SmartBuy. 

• Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%. 

• 1 Reward point on all other spends. General cashback rate = 1%. 

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 card, users can get upto 10% value back as reward points. 

• 3 reward points on every 125 spent at dining, and on standing instructions on utility bill payment. Dining & bill cashback rate: 2.4%. 

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

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• 5% Cashback on Flipkart (quarterly cashback limit of INR 4,000). 

• 5% cashback on Cleartrip (quarterly cashback limit of INR 4,000). 

• 7.5% Cashback on Myntra (quarterly cashback limit of INR 4,000). 

• 4% Cashback on Uber, Zomato, Netmeds, PVR (quarterly cashback limit of INR 4,000).

• 1% uncapped cashback on all other spends, excluding some.

3.49% per month i.e 41.88% annually

• For every Rs. 100 spent users will get 1NeuCoin. 1 NeuCoin = ₹1, redeemable on Tata Neu app. 

• The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions. 

• Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. 

• The effective cashback rate varies from 1% to 5%.

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.

3.75% per month i.e 45% annually

• 1 NeuCoin = ₹1, redeemable on the Tata Neu App.

• 2% cash back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.

• 1% cash back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends. 

• 1% cash back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month. 

• 7% cash back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App. 

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%. 

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%.

Interest Rates/ charges: upto 3.99% p.m (upto 47.88% p.a)

• Users can earn 1 reward point for every INR 100 spent. 

• Every Wednesday 40 reward points for every INR 100 spent on online orders of Pizza Hut & Domino's, and 20 reward points for every INR 100 spent on groceries on Wednesdays. 

• 1 RP =0.25 paisa.

•  General cashback rate: 0.25%, effective cashback rate for online orders on Wednesday: 10%, and effective cashback rate for grocery shopping done on Wednesday: 5%. 

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. 

3.50% per month, 42% per annum.

• Reward System: 1 NeuCoin = Rs. 1 savings, users will get 5% value back as NeuCoins on spends at Tata Neu App/Website and partner Tata Brands, 

• Extra 5% value back as NeuCoins on select category spends on Tata Neu App/Website 

• 1.5% value back as NeuCoins on other spends.

3.49% per month.

• 1 BoB Reward Point = INR 0.25. 

• Users will get 2 reward points per INR 100 on other categories. Effective cashback rate: 0.50%.

• 4 reward points on purchase made on departmental store effective cashback rate = 1%. 

• 40 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. Cashback rate: 10%.

• Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per ₹100 on other categories.

Interest rate: 0.71% - 3.85% monthly, 8.5% - 46.2% annually, depending on credit score.

• Cardholder will earn 22 BluChips on spending INR 100 on booking flights through Indigo app and website. 

• Value of 1 BluChip = INR 1 (when used for booking Indigo flights). 

• Indigo Cashback Rate: 22%. 

• User will earn 0.5 BluChip on UPI spends. 

• UPI Cashback Rate: 0.5%. 

• User will earn 0.5 BluChip on utilities, rent, wallet, fuel spends. 

• Utilities Plus Cashback Rate: 0.5%. 

• User will earn 3 BluChip on other spends. 

• General Cashback Rate: 3%

39.99% per annum on outstanding balance after the due date and on cash advances.

• Users will earn 10 reward points for every INR 100 spent on hotel, travel booking, shopping, and entertainment. 

• Value of 1 reward point = INR 0.20. 

• Special cashback rate: 2%.

• Users will earn 4 reward points on all other spends (except fuel). 

• General cashback rate: 0.4%.

• 25% off on dining when using the EazyDiner app at a partner restuarant. Maximum cashback is capped at INR 2,000. However, if in the previous month the user had done an expenditure of INR 30,000 through card on non-dining spends the max cashback will be capped at INR 5,000. 

• Dining Cashback Rate: 25%. 

3.6% per month (i.e., 43.2% per annum)

• Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. 

• 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. 

• 1% cashback on all other eligible spends, capped at INR 500 per month.

3.6% per month. 52.86% per month.

• The value of 1 EDGE Mile is equal to INR 1. 

• Users will get 5 EDGE Miles per INR 100 spend on travel. Effective travel cashback rate: 5%

• 2 EDGE Miles per INR 100 spent on other spends. Effective general cashback rate: 2%.

0.75% - 3.5% Annual Interest Rate - 9% - 42%

•  Users will get 5% cashback on fuel on paying through the HP Pay App. Max fuel cashback is capped at INR 5,000 per month. 

• 2.5% cashback on grocery and utility bill payments. Max grocery and utility bill payments are capped at INR 4,000 per month.

• 2.5% cashback on fast tag recharge through the IDFC app. Cashback on Fasttag is capped at INR 2000 per month.

• 0.33% cashback on all other spends, no capping, payment can be made through UPI too for all other spends.