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.

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 can get 2 reward point for every Rs. 100 spent online. So the effective online cashback rate will be 0.50%.

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

• Reward system: Users will earn 2 reward point for every Rs. 100 spent. 

• The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.50%. 

• Users can get 4 reward point for every Rs. 100 spent online. So the effective cashback rate will be 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%. 

• Users will get a 5% cashback offer on eating places & restaurants however, such cashback is capped at INR 50 per month.

4% p.m. or 48% per annum

• 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 10X points for all spends made in that month. 

• Special cashback rate: 1%.

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

• Reward system: Users will earn 2 reward point for every Rs. 100 spent. 

• The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.50%. 

• Users can get 4 reward point for every Rs. 100 spent online. So the online cashback rate will be 1%.

3.75% per month 45% p.a. 

Reward system: Cardholders can earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency, capped at 50,000 reward points a month and earn 2 reward points for every INR100 spent on anything else, with no cap. These reward points can be converted into air miles at a ratio of 1:1.

Cardholders will save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.

3.49% per month, 41.88% per annum.

• 1 reward point = INR 0.25. 

• 5X reward points on departmental stores, and movies. 

• Special Cashback Rate: 2.5%. (Maximum 1000 reward points per month). 

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

• General Cashback Rate 0.50%.

9% per annum. 

• User will earn 10X reward points on all general spends.

• 1 reward point =INR 0.25.

• General cashback rate: 2.5%.

• 3x points on rent and education spends. 

• Rent+ Cashback Rate: 0.75%.

• 1x points on insurance premiums. 

• Insurance Cashback Rate: 0.25%. 

• If the rewards points are used on the IDFC app to book a hotel or flight the value of the points will be INR 1.

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

• Reward System: Users will earn 1 reward point for every Rs. 100 spent on online and offline stores. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.25%. Users will get 10% cashback at Patanjaliconline and offline stores on transactions of INR 500 or more, maximum monthly cashback can be up to Rs. 750.

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

• Reward system: Users will earn 2 reward point for every Rs. 100 spent. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.50%. 

• Users will get 20 reward points for every INR 100 spent on Dining on Wednesday. 

• The maximum reward points that can be earned in a month can be 1,000 reward points. 

• Dining Wednesday cashback rate: 5%.

3.5% per month, 4.2% per annum.

• Users will get 2% cashback on UPI.

• Users will get 3% cashback on offline payments.

2.49% per month (or 29.88% annually)

• Reward System: Users will earn 3 reward points for every INR 100 spent, 1 reward point = 1 Airmile (for more than 20 Airlines). 

• 1 Reward point = INR 1 for redemption against Apple products. 

• Reward point cannot be redeemed against credit card statement or for cash.

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% 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. 0.20. So the effective cashback rate is 0.20%.

• Users can get 2X i.e. 2 reward points for every Rs. 100 on online spendings.   So the effective online cashback rate will be 0.40%.

• The maximum number of reward points that can be earned per month is 1000 for each category.

Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).

• User will earn 4 reward points for every INR 100 spent (maximum 800 Reward Points per statement cycle).

• 1 rewrd point = 0.25 paisa. 

• General Cashback Rate = 1%.

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 achieving milestone spend of INR 10,000 in any month, cardholder will get 7X points for all spends made in that month. 

• Special cashback rate: 0.7%.