3.95% per month and 47.4% per annum.

• 5% cashback on online shopping across any merchants. 

• Online shopping cashback Rate: 5%. 

• 5% cashback on cred store, cred travel, etc. 

• Cred Cashback Rate: 5%. 

• 1% cashback on offline payment and also on payment through UPI through Cred app. 

• Offline / UPI Cashback Rate: 1%. 

• 1% Cashback on utility bill payment. 

• Utility Bill Payment Rate: 1%.

3.6% per month (52.86% per annum)

• Users can earn 20 reward points for every INR 100 spent on fuel. The value of 1RP= 0.20 paisa. Fuel cashback rate: 4%. 

• 5 reward points for every INR 100 spent on online spending. Online cashback rate is 1%.

• 10% cashback at Myntra, Uber & Zomato, up to Rs 300 each per month.

Interest Rate: 3.5% per month, 42% per year

• Reward System: The value of 1 RP = INR 0.25. 

• User will earn 24 reward points on every INR 150 spent, fuel cashback rate: 4%. Cardholders also get 2% cash back on grocery and dining spending. 0.5% cashback on all othe spends (uncapped). 

3.75% per month, 45% per annum

• Value of 1 reward point = INR 1. 

• 3 Reward points on Phonpe spends and Pincode (hyperlocal delivery app) spends such Recharges, Bill Payments, Insurance, Flights, Hotels, Pincode (a hyperlocal delivery app) & more. 

• PhonePe Pincode Cashback Rate: 3%.

• 2 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. 

• Special Cashback Rate: 2%. 

• 1 reward point on all other spends. 

• General Cashback Rate: 1%. 

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

• 15 points on every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. 

• Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. 

• Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.

3.75% monthly, 45.0% annually

• Value of 1 reward point = INR 1. 

• 2 Reward points on Phonpe spends and Pincode (hyperlocal delivery app) spends such Recharges, Bill Payments, Insurance, Flights, Hotels, Pincode (a hyperlocal delivery app) & more. 

• PhonePe Pincode Cashback Rate: 2%. 

• 1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. 

• Special Cashback Rate: 1%. 1 reward point on all scan and pay spends. 

• UPI Cashback Rate: 1%. 

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

• Users will get 15 points on spending every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). 

• Value of 1 point = INR 0.25.

• The effective store cashback rate is 3.75%.

• 10 points on every INR 100 on dining, movies & entertainment. Effective dining/entertainment cashback rate: 2.5%. 

• 2 reward points per INR 100 spent on other retail purchases (Non-fuel). The effective general cashback rate: 0.5%.

2.85% per month (34.2% per annum).

• 1 CV = Rs. 0.75.

• On spending Rs. 200, customers will earn 8 CV points on the Club Vistara website.

• Vistara Airlines Cashback rate: 3%, 

• 6 CV points on hotels, airlines, and other travel-related categories. 

• Travel+ Cashback Rate: 2.25%, 

• 2 CV points on utility bill payments, insurance premiums, government payments, and fuel purchases. 

• Special Cashback Rate: 1.5%.

• 1 CV point for all other categories of spending. 

• General Cashback Rate: 0.75%.

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

• 15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar).

•  Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. 

• Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%.

• Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.

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

• Users will be awarded 10 points on spending every INR 100 on FabIndia stores. 

• Value of 1 point = INR 1. Effective FabIndia store cashback rate: 10%. 

• 3 points on spend of every INR 100 on dining, movies & entertainment spends. Effective dining/entertainment cashback rate: 3%. 

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%.

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

• 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 

• 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%

3.75% every month or 45% annually

• Effective cashback rate: 3.33%.

• Customers can earn 5 reward points per INR 150 spent on all categories except fuel and utility bill payment.  

• 5% cashback on duty free shops. 

• 
  

3.6% p.m. (52.86% per annum)

• Users can earn 3%  cashback on entertainment, commute and food delivery transactions.

• 1% cashback on all other spends.

• Cashback is not eligible for transactions of less than Rs. 100. Maximum cashback amount = Rs. 1500 in a statement cycle.

3.49% per month (41.88% per annum)

• Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. 

• On weekends users can get 2x points on dining. Weekend dining credit card rate: 6.66%. 

• 10x reward points on the purchase of Harley Davidson merchandise and services.  Harley Davidson cashback rate: 33.33%.

3.6% per month (52.86% per annum)

• Value of 1 SpiceClub point = INR 1.

• Users will get 12  SpiceClub points for every INR 100 spent on the Spice Jet app. Effective travel cashback rate:  12%.

• 6 SpiceClub points for every INR 100 spent on online food orders. Effective online food order cashback rate: 6%.

• 3 SpiceClub points for every INR 100 spent on all other domestic retail & international transactions(excl fuel, wallet, EMI transaction). Effective general cashback rate: 3%.

3.49% per month (41.88% per annum)

• Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. 

• General cashback rate 3.33%.

• On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.

2.99% per month (35.88% annually)

• 1 RP = 0.25 Paisa.

• Users will get 24 YES Reward Points for every INR 200 for online shopping,  Online cashback rate: 3%.

• 12 YES Reward Points for every INR 200 for offline shopping.  offline cashback rate: 1.5%.

• 6 YES Reward Points for every INR 200 on selected categories, cashback rate on other spends: 0.75%. 

3.6% per month (52.86% per annum)

• Users will get 28 SpiceClub points (16 SpiceClub points as a Spice Club member and 12 Spice Club points on a card spent on every INR 200 spent on the Spice Jet app. 

• 12 SpiceClub points for every INR 200 spent on online food order. 

• 6 SpiceClub points for every INR 200 spent on all other domestic retail & international transactions(excl fuel, wallet, EMI transaction). 

• These points can be redeemed for different purposes as specified by the bank from time to time. 

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

• The value of 1 reward point = 0.25 Paisa.

• Users will get 30 reward points per Rs. 200 spent on chemist/pharmaceutical stores with an effective cashback rate of 3.75%.

• 6 reward points per Rs. 200 spent on all other categories with an effective cashback rate of 0.75%.