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

• Reward system: Users will earn 1 reward point for every Rs. 400 spent. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.0625%. 

• Users will get 8 reward points for every INR 100 spent on bill payments, an effective cashback rate of 0.5%. 

• Users will also get 8 reward points for every INR 400 spent on Education, with an effective cashback rate of 0.50%.

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

• Users will get 5% cashback on Grocery spending. Max cashback capped at INR 250 per month.

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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 25 reward points for every INR 100 spent on utility bills. The maximum reward points that can be earned in a month can be 500 reward points. Utility cashback rate: 6.25%.

4% monthly, 48% annually. 

• Cardholders will earn 2 cashpoints for every INR 200 spent on eligible purchases. 

• The value of 1 cash point is INR 0.20 so the cashback rate is 0.20%.

• Cardholders crossing the monthly spend threshold of Rs. 15,000 will earn 10X on other online spends (maximum 5000 cash points) & 5X on all offline spends (maximum 5000 cash points). 

• Milestone Online Cashback Rate: 2%

• Milestone Offline Cashback Rate: 1%

3.6% per month, 43.2% per annum.

• 1 reward point = INR 0.25.

• 5X i.e. 5 reward points on dining, online and utility bills. 

• Dining+ Cashback Rate: 1.25%. (Maximum 1000 reward points per month).

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

• General Cashback Rate: 0.25%.

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%.

3.49% 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%.

3.75% per month (i.e. 55.55% per annum).  

• The value of 1 First Citizen point is INR 0.50. Users will get 20 First Citizen accelerated points for every INR 200 spent on private label brands of Shopper's Stop. 

• Priavte lable cashback rate: 5%.

• Cardholders will ger 12 First Citizen accelerated points for every Rs. 200 spent on beauty products and other brands at Shopper's Stop. 

• Effective beauty product cashback rate: 3%.

• Cardholders will get 2 First Citizen points earned on every INR 200 spent elsewhere. 

• Effective general cashback rate: 0.5%

3.40% per month, 40.80% per year.

• Users can earn 2.5% reward points on international spending and 2% reward points on domestic spending. 

• The value of 1 reward point is up to ₹1.

• If redemption is made against the statement balance, the value of 1 reward point is 0.4% which means the cashback rate is 0.40%.

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%.

3.75% per month 45% p.a. 

• Users will earn 1.5 reward points for every INR 100 spent on standard purchases, 

• The value of 1.5 reward points is INR 1. 

• General Cashback Rate: 1%. 

• Cardholder will get 5 reward points for every INR 100 spent with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows with a 

• Special Cashback Rate: 3.33%.

3.6% per month, 43.2% per annum.

• 1 reward point =INR 0.25 

• 5X i.e. 5 reward points on dining, online and utility bills. 

• Dining+ Cashback rate: 1.25%. (Maximum 1000 reward points per month). 

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

• General cashback rate 0.25%.

2.95% per month, 35.89% annually.

• 1 reward point per INR 100 spent. 

• 1RP= INR 0.25.

•  General Cashback Rate= 0.25%.

• Users will get flat 10% off up to Rs. 1,000 on domestic flight bookings. 

• Users will get flat 10% off up to Rs. 5,000 on international flight bookings.

• Users will get a flat 20% discount up to Rs.5,000 on domestic hotel bookings.

• Users will get a flat 20% discount Up to Rs.10,000 on international hotel bookings.

• Users will get flat Rs.125 off on bus bookings on a minimum order value of Rs.500.

3.99% p.m (upto 47.88% p.a) 

• Users will earn 5 reward points per INR 200 spent on train ticket bookings through the IRCTC website or app. 

• One reward point, if redeemed at the IRCTC website, is worth Rs.1. So, the effective cashback rate is 2.5%. 

• If the reward points are redeemed on platforms other than IRCTC then the value of 1 reward point is Rs. 0.25.

• Users will get 3 reward points per INR 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App with a cashback rate of 0.375%. 

• Users will get 2 reward points per INR 200 spent on booking flights, hotels and cruises from the IRCTC website or app with a cashback rate of 0.25%

• 1 reward point per INR 200 spent everywhere else with a cashback rate of 0.125%.

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

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

• The value of 1 reward point is INR 0.25. 

• Online Cashback Rate: 0.50%. 

• Users will get 1 reward point for every Rs. 100 spent on in-store purchases.

• Offline Cashback Rate: 0.25%

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

• Users will earn 1 reward point for every INR 100 spent on online and offline stores.

• The value of 1 reward point is INR 0.25. 

• General Cashback Rate is 0.25%. 

• 5X reward points for every INR 100 spent on eligible UPI transactions done on the SalarySe Platform (Capped at 1,000 points per month), 

• SalarySe Cashback Rate: 1.25%.

• Accelerated 10X reward points for every INR 100 spent on incremental UPI spend of INR 20,000 per month (Capped at 8,000 points per month), 

• Special Cashback Rate 2.50%.

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

• Reward system: Users will earn 1 reward point for every Rs. 400 spent. 

• The value of 1 reward point is Rs. 0.20. So the effective cashback rate is 0.05%. 

• Users will get 8 reward points for every INR 100 spent on bill payments, an effective cashback rate of 0.40%. 

• Users will also get 8 reward points for every INR 400 spent on Education, with an effective cashback rate of 0.40%.

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. 

• General cashback rate: 0.50%.

3.99% monthly, 47.88% annually.

• 1 reward point = INR 0.25. 

• Users will earn 5 reward points per INR 150 spent on all categories, excluding 1X and 3X categories mentioned below. 

• General Cashback Rate: 0.83%.

• Users will earn 1X reward points for spending on insurance premiums and utility bill payments. 

• Insurnce+ Cashback Rate: 0.16%.

• Users will earn 3X reward points for spending on rental & property management, government services, education and wallet load transactions. 

• Government+ Cashback Rate: 0.50%.

• Users will get 10X reward points on incremental spending above INR 20,000 in a monthly statement cycle. 

• Special cashback rate: 1.67%

• In case the cardholders elects to book hotels and flights using IDFC Mobile app, the value of 1 point will be considered INR 0.40 in place of INR 0.25.

2.5% per month, 30% per annum.

Not available.