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%.

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

• Users will get 10% cashback on Samsung purchases (including EMI transactions),

• The value of 1 Edge point is  Rs. 0.20, and users will receive 15 Edge Reward points for every INR 100 spent with partners like BigBasket, Tata1mg, UrbanCompany, Myntra, Zomato and international transactions. Effective cashback rate: 3%. 

• 5 Axis Edge Reward points on every INR 100 on all other domestic transactions. Effective cashback rate: 1%.

Interest Rate: 3.75% per month (55.54% per annum).

• Get 1 reward point on every INR 500 spent. 

• Value of 1 reward point = INR 1. 

• General Cashback Rate: 0.20%. 

• If the user has spent atleast INR 100 in the previous cycle he will get 2x reward points. 

• Special 2x Cashback Rate: 0.4%. 

• Get 4x reward points if you start at 2x at the beginning of the month and thereafter spend INR 15,000 in a month. 

• Special 4x Cashback Rate: 0.8%. 

• Get 8x reward points if you start at 4x at the beginning of the month and thereafter spend INR 30,000 in a month. 

• Special 8x Cashback Rate: 1.6%. 

Interest Rate: 3.0% per month (42.58%  per annum).

• Users will get 15 reward points for every INR 200 spent.

• The value of each point is INR 0.20. Cashback rate: 1.5%. 

• 2X rewards on international spends. International cashback rate: 2%.

3.75% monthly, 45.0% annually

• Every 1 cash point is equivalent to INR 1. 

• 3% cashback on purchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.  

• 2% cashback on all other select Paytm spends, the maximum cap per calendar month is INR 500.

• 1% cashback on all other retail spends, maximum cap per calendar month is INR 1000. 

3.80% per month (45.60% annually)

• 1 RP = 0.25 paisa.

• Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%

• Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, Cashback rate: 3% 

• 4 Yes Reward Points on every ₹200 spent on other selected categories. cashback rate: 0.5%.

Finance charges#: Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards

• The value of 1 reward point = INR 1. 

• Users will get 3 reward points for every Rs. 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%.

• 1 reward point for every Rs. 100 spent on other retail spends with a cashback rate of 1%.

• Cardholders can earn 5% value back as Croma points on spends at Croma and cromaretail.com, and 2% value back as Croma points at Tata outlets (including Tata Cliq, Tata Sky, Tata Power, and Tata Play).  

• 1 Croma point is earned for every Rs. 100 spent on other retail outlets.  8 complimentary visits per year to domestic MasterCard lounges in India (Max. 2 visits per quarter).

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

• Users will get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month).

• 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month).

• 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.

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

• 3% cashback on Paytm Mall, movies and travel.

• 2% cashback on all other purchases on the Paytm app. 

• 1% cashback on any other spends across millions of offline and online stores. 

Finance charges#: Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards

• The value of 1 reward point = INR 1. 

• Users will get 3 reward points for every  Rs. 100 spent on departmental & grocery stores, dining & international spending. Effective cashback rate: 3%. 

• 1 reward point for every Rs. 100 spent on other retail spends. Effective cashback rate: 1%.

• Cardholders can earn up to 5% value back as points on spending at TATA Partner outlets.

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

• Users will get 3X reward points on every INR. 100 spent on all Apollo services. 

• Value of 1 point = INR 1, Apollo cashback rate: 3%. 

• 2X reward points on every Rs. 100 spent on dining, movies & entertainment. Dining, movies, entertainment cashback rate: 2%. 

• 1 reward point on every INR 100 spent on beauty & wellness services, effective cashback rate: 1%.

• 0.5 reward points on other retail spending. General cashback rate 0.5%.

Finance charges#: Upto 3.50% p.m. (42% p.a.) for Unsecured Cards; 2.5% p.m. (33% p.a.) for Secured Cards

• The value of 1 reward point = INR 1. 

• Users will get 3 reward points for every Rs. 100 spent on departmental & grocery stores, dining & international spends, an effective cashback rate of 3%

• 1 reward point for every Rs. 100 spent on other retail expenses with a cashback rate of 1%.

• Cardholders can earn up to 5% value back as points on spends at TATA Partner outlets, and 3x points on dining, departmental store, grocery, and international spends.  

3.95% per month and 47.4% per annum.

• Reward System: Value of 1 reward point = INR 0.25. 

• Credit card holder will get 12 points per INR 100 spent on Jio-BP fuel pump.

• Fuel Cashback Rate: 3%. 

• Users will get 5 reward points on spends made on dining, grocery and supermarket. 

• Dining+ Cashback Rate: 1.25%. 

• Users will get 2 reward points all other spends. 

• General Cashback Rate: 0.5%.

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%.

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.

• Users will receive 3% cashback on purchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 500 per month. 

• 2% cashback on all other spending on the Paytm app. Maximum cashback is capped at INR 500 per month. 

• 1% cashback on all other retail spending. Maximum cashback is capped at INR 1000 per month.

3.50% (Annualized 42%)

• 1 6E Reward= INR 1

• Customers can avail of 3 6E rewards for every INR 100 spent on IndiGo. Effective cashback rate: 3%.

• 2 6E rewards on every INR 100 spent on Merchant (Includes Dining, Grocery & Entertainment).Effective cashback rate: 2%

• 1 6E rewards on every INR 100 spent on other categories. Effective cashback rate: 1%

3.95% per month and 47.40% per annum.

• Value of 1 reward point = INR 0.35. 

• Users will get 4 reward points on the first 4 transactions each month, with an effective cashback rate of 1.4%.

• Users will get 8 reward points for  5th to 8th transaction in each statement cycle with an effective cashback rate: of 2.8%.

• 10 reward points on every transaction beyond 10th transaction with cashback rate of 3.5%.

3.75% per month (i.e., 45.00% annualized)

• 1 RP = Rs. 0.6.

• Customers get 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every INR 100 spent, Cashback Rate:4.2%).

• 10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every INR 100 spent, Cashback Rate: 3%).  

• 10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%).  

• 2 First Citizen Reward Points/Rs.200 on other spends (Effective Cashback Rate: 0.6%).