3.75% monthly, 45% annually

• 5% cashback on telecom, utility, govt. & tax payments up to INR 250 per month. 

• 1% cashback on all other spends.(Maximum INR 25,000 per month). 

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

• Users will get 7% reward points on all Ola rides. Effective cashback rate: 7%

• 1 reward point = INR 1. Users will get 1% reward points on all other spends. General cashback rate = 1%.

• 5% cashback on flight tickets booked through Cleartrip.; 

• 10% cashback on domestic hotels booked through Cleartrip.

• 6% cashback on international hotels booked through Cleartrip.

• 12% cashback on activities booked through Cleartrip.

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

• The value of 1 reward point = INR 0.25. 

• Users will get 5 reward points for every Rs. 100 spent online with an effective cashback rate of 1.25%

• 1 reward point for every Rs. 100 spent offline (except on fuel) with a cashback rate of 0.25%.

• Users will get 10% off at BookMyShow for up to Rs 300 per month, and 10% cashback at Myntra, Uber & Zomato, for up to Rs 300 each per month for each brand.

Interest Rate: 3.6% per month (52.86% per annum).

• Users will get 16 super coins for every INR 100 spent on Flipkart for Flipkart plus members. Cashback rate: 14.56%.

• Value of 1 supercoin is INR 0.91. 

•  Nonflipkart plus members will get 8 super coins for every INR 100 spent. Effective cashback rate: 7.28%. 

• Users will get 2 supercoins on all other spends, effective cashback rate is 1.82%.

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

• 5% cashback on online spending without any kind of merchant restriction.  (maximum cashback of Rs 5,000 per month).

• 1% cashback on all offline spends. One of the best credit card for online shopping as there is no merchant restriction and a very high cashback rate: 5%.

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%.

Interest Rate: 3.3% per month and 46% per annum.

• Get 2 points on spending INR 100 except on fuel, insurance, rent, utility and government. Value of 1 point = INR 0.20. General cashback rate: 0.4%. 

• Get 0.7 reward points on insurance, rent, utility and government spends. Special cashback rate: 0.14%.

• Users will get 20% off upto INR 500 when you eat out & pay through the EazyDiner app. This offer is valid on food delivery as well. This feature can be used three times a month.

3.8% p.m (45.6% p.a).

• Users will get 1% cashback on all spends.

• General Cashback Rate: 1%

• User can choose certain merchants and get 10% cashback on purchases linked to those merchants. The merchants can be chosen out of the following 5 brands: BookMyshow, Pharmeasy, Bigbasket, Swiggy, Uber. Cardholders have 3 plans silver (2 merchants can be chosen) INR 99 per month + GST, gold  (3 merchants can be chosen) INR 149 per month + GST, platinum (all 5 merchants can be chosen) INR 240 per month + GST.

• Special Cashback Rate: 10%

(APR) of 19.2%

• You earn 1 reward point for every Rs. 100 spent across all categories. 

• Redeem 500 points for ₹25. This translates to a value of 5 paise per point.

• Effective Cashback Rate: 0.5% cashback on all spends. 

• 5% cashback on fuel transactions.

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

• The value of 1 reward point = INR 0.25. Users will get 1 reward point for every Rs.100 spent on all purchases except fuel and 20 reward points for every Rs.100 when using the card for in-store grocery shopping, effective in-store grocery shopping cashback rate: 5%. General cashback rate: 0.25%. 

3.5% - 3.8%p.m. or 42% - 45.6%p.a.

• The cashback rate is 5% on Amazon website and app for the cardholders if they are also an Amazon Prime member. 

• Non-prime members will get 3% cashback on Amazon app and website. 

• Cardholder will ge t2% cashback on Amazon Pay for certain kinds of utility bill payments. 

• Cardholders will get 1% cashback on all other payments. 

16% p.a.

• The value of 1 reward point = 0.25.

•  For every Rs. 100 spent on non-fuel transactions, the cardholder will earn 2 reward points. Effective cashback rate: 0.50%. 

• 1.50% cashback in the form of 6 payback points on transactions made on the HP Pay App. 

• 16 rewards will be awarded on fuel spends with a minimum transaction of Rs. 500 and above at authorized HPCL outlets which would be equivalent to 4% cashback on every Rs. 100.00 spent up to a maximum of 150 per billing cycle per card. 

Interest Rate: 3.7% per month, 44.4% per year

• Users will get an instant discount of 7.5% on all spends done across Myntra Platforms (Mobile app/website) with a maximum discount of Rs.750 per transaction.

• Cashback of 5% on spends across the Partner category of Myntra and Kotak Bank.  

• Earn unlimited 1.25% cashback on spending across all other online and offline merchants.

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

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

• 1 CashPoint = Rs. 0.15 for redemption against product catalogue, SmartBuy, and cashback. Effective cashback rate: 0.15%.

• 1 RP for product catalogue 0.15. Effective cashback rate: 0.15%. 

• For unified SmartBuy (Flights/Hotels), the effective cashback rate is 0.15%. 

• 10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber. Special cashback rate 1.5%.

3.5% per month (42% p.a.)

• The value of 1 RP=0.50 Paise. 

• 10X Membership rewards on transactions on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more. Effective cashback rate: 5%. 

• 5X Membership rewards on transactions on Amazon and Paytm Wallet. Effective cashback rate: 2.5%. 

• 1 Membership rewards point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale. Effective cashback rate: 0.50%.

3.49% per month

• 1 RP= INR 0.25.

• 5% Unlimited cashback (20 reward points per ₹ 100) for purchases on the Snapdeal website & app only.

• 10 reward points for every ₹ 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%),

• 4 reward points for every ₹ 100 spent on other categories (Cashback rate: 1%).

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.

1.99% monthly, 23.88% annually.

• Reward System:  1 reward point = Upto Rs. 1. 

• 5% cashback on selected business spends such as (a) Bill payment via Payzapp & SmartPay, (b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in, (d) hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei. 

• 5X Reward Points applicable on minimum spends INR 50,000 in statement cycle.

• A minimum of 2500 RP is needed to redeem reward points against the statement balance. 

2.99% per month (35.88% annually)

• 1 YES rewardz point = Rs. 0.25.

• Users will earn 36 YES reward points for every Rs. 200 spent on online shopping. Effective cashback rate: 4.5% (Online shopping).

•  Users will earn 18 YES rewardz points for every Rs. 200 spent on offline shopping. Effective cashback rate: 2.25% (Offline shopping). 

• Users will earn 10 YES rewardz points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments). Effective cashback rate: 1.25% (All other categories). 

• Users will earn 2 bonus reward points for every Rs. 100 spent on international transactions.

Interest Rate: 3.6% per month (52.86% per annum).

• Get 2 Edge reward points on spend of INR 125. 

• Value of 1 reward point = 0.20. General cashback rate = 0.32%.

• Get 20 reward points on spending INR 125 on apparel and departmental stores. Apparel and departmental stores cashback rate: 3.2% (subject to a cap of 1008 points per month).