3.6% per month i.e. 43.2% annually

• Users earn 3 Reward Points for every INR 200 spent. 

• Value of 1 Reward Point = INR 0.30. General cashback rate: 0.45%.

•  Users earn 10 Reward Points for every INR 200 spent on eligible weekday dining spends. Weekday dining cashback rate: 1.50%.

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

• Users will get 5X reward points on spends on medical supplies, travel bookings and international spending. Effective special cashback rate: 1.25%.

• Value of 1 reward point = INR 0.25.

• 1 point on all other spends. General cashback rate = 0.25%. 

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

• Users will get 5 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar).

• Value of 1 point = INR 0.25. 

• Lifestyle+ Store Cashback Rate: 1.25%.  

• 5 points on spend of every INR 100 on dinning, movies & entertainment spends. 

• Dining/Entertainment Cashback Rate: 1.25%.

• 1 reward point per INR 100 spent on other retail purchases (Non-fuel). 

• General Cashback Rate: 0.25%.

3.4% per month (or 40.8% per annum)

• Users will get 0.5 MyCash on every INR 100 spent on domestic spending.

• Value of 1 MyCash= INR 1. Domestic cashback rate: 0.5%.

• Get 0.62 MyCash on every INR 100 spent on international spending. Value of 1 MyCash= INR 1. International cashback rate: 0.62%.

• Get 1 MyCash on every INR 100 spent on flight booking. Value of 1 MyCash= INR 1. Flight booking cashback rate: 1%.

• Get 1.5 MyCash on every INR 100 spent on hotel/holiday booking. Value of 1 MyCash= INR 1. Holiday/hote cashback rate: 1.5%.

3.6% per month i.e. 43.2% annually.

• Users can redeem Fuel Points through NetBanking towards catalogue products where 1 FP = upto 20 paise. Effective cashback rate of 0.20%. 

• Customers will earn 5% Fuel Points of their spending as Fuel Points at IndianOil outlets. The value of 1 Fuel Poinbt is 0.96 Paisa. Effective cashback rate: 4.8%.

2.95% per month, 35.89% annually.

• 1 reward point per Rs. 100 spent.

• 1RP= INR 0.25. 

• General Cashback Rate: 0.25%.

• 2X rewards points on retail merchandise. 

• Retail Cashback Rate: 0.50%.

• Cashback of 2% for all transactions over and above Rs 2500. subject to a ceiling of Rs 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.

3.6% 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%. 

3.60% p.m. 43.20% p.a.

• The value of 1 reward point = Rs 1. 

• The users will get 1 reward point for every INR 150 spent. 

• General cashback rate: 0.66%. 

• Cardholders will get 1% off on bookin tickets of domestic airlines.

• Airline Cashback Rate: 1%.

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

• Users will get 3% cashback in the form of gift vouchers via Tanishq on quarterly spending.

• 5% cashback on Mia, Caratlane & Zoya each quarter. 

• 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata. 

• 6 reward points on all other spends, 1 reward point = INR 0.25. General cashback rate: 1.5%.

3.40%p.m. 40.80%p.a.

• Cardholders will get 6% myCash on hotel bookings, over and above the discounts on MakeMyTrip. Hotel cashback rate: 6%

• Value of 1 myCash point is INR 1.

• 3% cashback on flight, bus and cab bookings, over and above the discounts on MakeMyTrip.

• 1% cashback on all other retail spends.

3.49% P.M (Annualised 41.88%)

• The value of 1 reward point = 0.10 Paisa. 

• User will get 2 reward points on spending INR 100.

• General cashback rate: 0.2%

• Users will get 5x reward points on top two categories of spends such as travel, groceries, entetainment. 

• Special cashback rate: 1%.

3.50% per month [42% per
annum]

• Users will earn 1 reward point for every INR 150 spent except for spending on fuel, insurance, utilities and cash transactions. 

• The value of 1 reward point is INR 0.25. 

• General Cashback Rate: 0.16%.

• 10 reward points for every INR 150 spent on movies, dining, grocery & departmental stores. 

• Special Cashback Rate: 1.66%.

Rate of Interest is 2.95% p.m. (i.e.35.89% annualized)

• The value of 1 reward point is Rs. 0.50. 

• Customers can earn 1 reward point for every Rs 100 spent using the PNB Global Platinum Credit Card. Effective cashback rate: 0.50%.

• 2 reward points will be awarded on retail transactions for every Rs 150 spent using the Platinum card. Effective cashback rate: 0.67%.

Interest Rate: 1.79% per month and 21.48% per annum.

• Users will get 1.5 reward points for every INR 100 spent.

• Value of 1 reward point = INR 1.  Cashback percentage: 1.5%.

• Users can also exchange 1 reward point also for 1 air mile.

3.80% per month (45.60% annually)

• On every ₹200 spent on UPI transactions above ₹2000 you can earn 4 YES Reward Points, 

• On every ₹200 spent on all online spent you can earn 2 YES Reward Points.

• 1 RP = 0.25 paisa. UPI Cashback Rate: 0.5%. Online cashback rate: 0.25%.

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).

• 1 Federal Reward Point = INR 0.25.

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

• General Cashback Rate: 0.25%

• 3x rewards on spending for travel and international categories.

• Travel And International Cashback Rate: 0.75%.

• 2x rewards on spending for dining categories, 

• Dining Cashback rate: 0.50%.

Interest Rate: 3.83% per month and 46% per annum.

• The card offers 4 different kind of reward plans:

• (1) Shop Plan: Users get 2% cashback on shopping in department store. 1% cashback on purchase of consumer durables or electronic items. 0.75% cashback on restaurant bills. 0.75% cashback on books. 0.25% cashback on all other spends. 

• (2) Home Plan: Users get 2% cashback on grocery shopping. 0.7% cashback on cellphone bills, electricity bills, insurance premiums. 0.75% cashback on medical spends. 0.25% cashback on all other spends.

•  (3) Travel Plan: Users get 2% cashback on hotel bookings. 1.25% cashback on airline tickets. 0.75% cashback on car rental and rail ticket bookings. 0.25% cashback on all other spends. 

• (4) Party Plan: Users get 2% cashback on restaurant bills. 1% cashback on shopping in departmental stores and on payment in pubs and bars. 0.75% cashback on movie tickets. 0.25% cashback on all other spends.

3 % per month (42.58% per annum).

• Users can earn 6 Axis Edge rewards points on every INR 100 spent up to spent of Rs. 1,50,000 in a calendar month.

• The value of each point is INR 0.2. The effective cashback rate is 1.2%. 

• Users will get 17.5 Edge rewards points for every RS. 100 spent post spending Rs. 1,50,000 in a calendar month. Effective cashback rate: 3.5%.

• 5x reward points on spending via Travel EDGE.

3.6% per month i.e. 43.2% annually

• Users earn 2 Reward Points for every INR 200 spent.

•  Value of 1 Reward Point = INR 0.30. General cashback rate: 0.30%. 

• Users earn 5 Reward Points for every INR 200 spent on eligible weekday dining spends. Weekday dining cashback rate: 0.75%.

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%