1.70% per month (20.45% per annum).

• The value of 1 StarPoint = INR 0.25. 

• Users will get 2 StarPoints for every Rs. 100 spent. 

• General cashback rate: 0.50%.

• 4 StarPoints on every Rs. 100 spent at point of sales transactions and e-commerce tranactions. 

• Effective cashback rate: 0.75%. 

1.99% per month i.e. 23.88% annually

• Users will earn 5 reward points on every Rs.150 retail spend. 

• Reward points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1. Effective cashback rate: 3.33%.

• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1. Effective cashback rate: 3.33%. 

• Airmiles conversion through net banking at a value of 1RP = 1 air mile. Effective cashback rate: 3.33%.

• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.50. Cashback at a value of 1 RP = Rs 0.30. Effective cashback rate:  0.99%.

3.6% per month i.e. 43.2% annually

•  In category A: Customers will get 5% monthly cashback when they book tickets through IRCTC.  5% monthly cashback on Fuel expenses and fuel surcharge waiver also available. 5% monthly cashback on spends on groceries. 5% monthly cashback on Bill payment and Mobile recharge. 

• In category B: 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY.; Maximum cashback per month for categories A and B is Rs 300.

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

• 1RP = INR 0.2

• Users will earn 5 reward points for every Rs 100 spent on dining and online spending.

• Dining + Online Cashback Rate: 1%.

• 1 reward point for every Rs. 100 spent on other categories.

•  General Cashback Rate: 0.20%

3.6% per month i.e. 43.2% annually

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

• The redemption against the statement balance will be at the rate of 1 Cashpoint = ₹1. Effective cashback rate of 1%.

• Cashpoints can also be used for redemption against travel benefits like Flight & Hotel bookings and the Rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cashpoint = Upto INR 0.30.;

• Customers can get 5% cashback on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of INR 2000, Max ₹1000 cashback per calendar month in first 6 months, Max ₹ 750 cashback post 6 months from card issuance).; 

• 2.5% cashback on all online spends (minimum transaction size of ₹2000, maximum cashback = INR 750/calendar month).

• 1% cashback on all offline spends and Wallet reloads (Minimum transaction size of INR 100, maximum cashback = ₹750/calendar month).

3.5% (Annualized 42%)

• Earn 10 Mojo points for every ₹100 spent online. Effective cashback rate: 2.5%.

• Earn 1 Mojo point for every ₹100 spent on other categories. Effective cashback rate: 0.25%.

• 1 RP = INR 0.25

3.40% per month (49.36% per annum).

• Users will get 5 Edge reward points on spending INR 100. 

• Value of 1 Edge point: INR 0.20. Cashback rate: 1%.

Interest Rate: 3.40% per month (49.36% per annum).

• Users will earn 6 points for every INR 200 spent. 

• Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. The effective cashback rate is 3.75%.

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

• 1 cash point = INR 0.25.

• 3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month). 

• Grocery+ Cashback Rate: 0.75%. 

• 2% cash points on utility spend (maximum 500 points per month). 

• Utility Cashback Rate: 0.50%. 

• 1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month). 

• General Cashback Rate: 0.25%. 

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. 

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

• Value of 1 point = INR 0.75.

• Users will get 3 reward points on all international spends on spending INR 100. International cashback rate: 2.25%.

• 1 reward point on all domestic spends on spending INR 100. Value of 1 point = INR 0.75. Domestic cashback rate: 0.75%.

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.

Interest rate: 3.83% per month, 46% annually

• Users can get 6 InterMiles on weekends when spending INR 100 through the credit card. Cashback rate: Up to 3.00%.

• 4 on weekdays. Cashback rate: Up to 2%.

• The value of 1 InterMile is not exact; it depends on the flight you are trying to book. It varies from INR 0.17 to INR 0.50. 

• You can also get 12 InterMiles on weekends when booking flights and hotels through InterMiles.com. Cashback rate: Up to 6.00% and 8 when booking flights on weekdays. Cashback rate: Up to 4.00%.; 

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

• Users will be awarded 20 reward points per INR 100 spent on Aditya Birla stores (Aditya Birla Fashion Online and Retail Stores: Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry, VI store). 

• Value of 1 point = INR 0.25. Effective Aditya Birla cashback rate: 5%.

• 10 Reward Points per INR 100 spent on dining, entertainment & hotels. Effective dining/entertainment/hotel cashback rate: 2.5%.

• 1 reward point per INR 100 spent on other purchases. Effective general cashback rate: 0.25%.

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

• Reward System: Cardholders will get 5% cashback on any two packs of their choice. 

1. Dining & Entertainment category – BookMyShow & Zomato.

2. Travel category – MakeMyTrip & Uber.

3. Grocery category – Blinkit & Reliance Smart Bazaar.

4. Electronics category – Croma & Reliance Digital.

5. Fashion category – Nykaa & Myntra.

• 3% cashback on any one E-commerce merchant of his choice
  - Amazon or Flipkart or PayZapp

• 1% unlimited cashback across all other spends.

• 1% cashback on all UPI spends (only for Rupay version)

• Get up to 25% off on dining through Swiggy Dineout. 

• Annual fee reversal on spend of INR 50,000 in any year. 

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

• 1 point on spend of every INR 100. 

• Value of 1 point = INR 0.25. 

• General Cashback Rate: 0.25%.

3.8% p.m (45.60%p.a).

• 1 Reward Point = INR 0.25.

• Users will get 8 reward points for every INR 200 on travel & dining spends (Capped at 1,500 reward points per statement cycle), a cashback rate of 1%.

• 4 reward points for every INR 200 on all categories.  Effective cashback rate is 0.5%.

3.75% monthly, 45.0% annually.

• Users will get 5% cashback on purchases on Paytm (recharge, utility, travel, movies + Mini app) with a maximum limit of INR 1500 per month. 

• 3% cashback on accelerated categories like Swiggy, AJIO, Big Basket & Uber with a maximum limit of INR 500 per month. 

• 1% cashback on all other retail transactions with a maximum limit of INR 2000 per month. 

3 % P.M (Annualised 36%)

• The value of 1 RP= INR 0.05. 

• Users will get 2 reward point for every INR 100 spent on all eligible purchases. 

• General cashback rate: 0.1%. 

• Cardholders get 5% cashback on dining, supermarkets, and departmental stores. 

• Special cashback rate: 5%.

Rate of Interest is 2.45 percent every month

• The user will get 1 reward point for every Rs. 100 spent. 

• The value of 1RP= Rs. 0.50. Effective cashback rate: 0.5%.