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

• Users will get 5% cashback on Grocery spending of up to INR 250 per month.

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%.

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.

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

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

• 1 fuel point = INR 0.5. 

• Users will get 2 fuel points for every transaction worth INR 100 like shopping. General cashback rate: 1%. 

• Users will get accelerated 15 fuel points on every INR 100 spent at IndianOil fuel stations (Maximum 2,000 fuel points per month). Cashback rate: 7.5%.

2.5% per month, 30% per annum.

• Users will get a flat 0.75% back as Petals on every POS/ECOM transaction. 

• These petals can be used to redeem digital gold, cashback and other exciting rewards.

• Petals to Gold redemption rate is 1 Petal = ₹ 1 of digital gold. 

• General Cashback Rate: 0.75%

3.75% per month i.e. 45% per annum.  

• The value of 1 reward point is Rs. 0.20. 

• Users will earn 4 reward points on every Rs.150 retail spend, cashback rate: 0.53%. 

• 20 reward points on every Rs 150 spent on Swiggy and Zomato, cashback rate: 2.66% 

No billing on the card

N.A.

3.50% per month, 42% per annum.

• Reward System: 1 NeuCoin = Rs. 1 savings, users will get 2% 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% value back as NeuCoins on other spends, including UPI transactions.

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

• Reward benefit: The cardholder is eligible for 1 reward point for every in-store transaction worth INR 100, a cashback rate of 0.25%. 

• The cardholder can avail 2 reward points for every online transaction worth INR 100. Online cashback rate of 0.50%. Users can earn up to 500 rewards points in a month. 

3.00% per month 42.58% per annum

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

• 1 reward point is worth INR 0.25.  

• General cashback rate: 0.25%. 

• A minimum of 400 reward points are required for redemption.

3.80% monthly, 45.60% annually

• Users will earn 3 Rio coins on spending INR 100 via Rio UPI.

• Value of 1 Rio Coin is INR 0.25.

• General UPI Cashback Rate: 0.75

• The transaction minimum value needs to be INR 0.75 in order to earn reward points. 

4% monthly, 48% annually. 

• Reward system: 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%.

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%.

• Users will get a 5% cashback offer on eating places & restaurants which is capped at Rs 50 per month.

3.49% per month, 41.88% per annum.

• 1 reward point = INR 0.25. 

• 5X i.e. 10 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: 0.5%

3.50% monthly, 42% annually. 

• Users will get 3 travel credits per INR 100 on every travel spend. 

• 1 travel credit = INR 1 for air mile/hotel point. 

• Hotel Air Mile Cashback Rate: 3%.

• User will get 1 travel credits on non travel spends. 

• General Cashback Rate: 1%

• If the user uses the reward points for non air mile /hotel point conversion in that case 1 travel credit = INR 0.25 for Shop & Smile Product Catalogue.

• If the user uses the reward points for non air mile /hotel point conversion in that case 1 travel credit = INR 0.50 for travel bookings. 

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

• Users will get 10% cashback on Ola/Uber/Fuel transactions (cashback capped at INR 400 per month)

2.5% per month, 30% per annum.

• Users will get 2 reward points for every INR 100 spent.

• Value of 1 reward point = INR 0.25. 

• General cashback rate: 0.50%.

3.75% per month (55.55%  per annum).

Reward system: Cardholder shall earn 5 EDGE Miles on every INR 100 spent on Axis Bank Travel Edge website and on airline spends and 2 EDGE Miles for every INR 100 spent on other spends. The value of 1 EDGE Mile is not fixed, but can be redeemed for booking hotel, flight, etc.

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%.