2.50% monthly, 30% annually.

• Users will earn 2 reward points for every INR 100 spent on credit cards. 

• Value of 1 reward point = INR 0.25. 

• General Cashback Rate: 0.50%.

42% - 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 5X points for all spends made in that month. 

• Special cashback rate: 0.5%.

3.75% per month, 45% per annum.

• The value of 1 reward point = INR 0.10 Paisa. 

• Users will get 2 reward points for every INR 100 spent on fuel, dining, and travel.

• Dining+ Cashback Rate: 0.2% 

• Cardholders will get 1 reward point for every INR 100 spent on other purchases. 

• General Cashback Rate: 0.1%. 

• Cardholders will get 5x reward points on top two categories of spends such as travel, groceries, and entertainment. 

• Special Cashback Rate: 1%.

1.99% per month (23.88% annually)

• The value of 1 reward point is INR 1. 

• Users will earn 2 reward points for every INR 100 spent on travel, dining, and international spending. Effective cashback rate: 2% (on travel, dining, and international spending), 

• 1 reward point per INR 100 on retail spending across all merchant categories. Effective cashback rate: 1% .

3.25% per Month; 39% P.A

• Users will earn 2 reward points for every Rs 150 spent.

• The value of 1 reward point is INR 0.25. 

• General Cashback Rate: 0.16%. 

• Users will earn 1.5x rewards on restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals.

• Special Cashback Rate: 0.5%. 

• 2x rewards on domestic and international travels, hotels and air tickets, an effective cashback rate: 0.66%.

3.6% per month (52.86% per annum).

• For spends upto INR 20,000 in a month users will earn 10 Axis EDGE REWARDS Points on every INR 100 spend.

• The value of each point is INR 0.2. 

• The effective general cashback rate is 2%. 

• For spends above INR 20,000 in a month users will earn 5 Axis EDGE REWARDS Points on every INR 100 spend. 

• The value of each point is INR 0.2. 

• The effective general cashback rate is 1% for spends above INR 20,000. 

3.75% per month (45% per annum)

• 5 reward points on spending INR 150 on fuel and dining. 

• Value of 1 reward points = INR 0.25. 

• Dining And Fuel Cashback Rate = 0.83%. 

• 1 reward point on spending INR 150 on all other categories. 

• General Cashback Rate = 0.17%. 

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

• Users will get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. 

• 20 reward points per INR 100 spent on standing instructions of utility bill payments. Effective utility bill payment cashback rate: 5%. 

• 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.

• 20 reward points per INR 100  spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 reward points per calendar year).

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

• On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car users will get upto 10% value back as reward points. 

• 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%.

0.75% - 3.5% Annual Interest Rate - 9% - 42%

•  Users will get 5% cashback on fuel on paying through the HP Pay App. Max fuel cashback is capped at INR 5,000 per month. 

• 2.5% cashback on grocery and utility bill payments. Max grocery and utility bill payments are capped at INR 4,000 per month.

• 2.5% cashback on fast tag recharge through the IDFC app. Cashback on Fasttag is capped at INR 2000 per month.

• 0.33% cashback on all other spends, no capping, payment can be made through UPI too for all other spends.

3.50% per month (42% annualised)

• 2 reward points per Rs. 100: On all other retail purchases excluding fuel, departmental stores, and utility bills. 1RP=Rs. 0.25.  Effective Cashback rate: 0.50%

• Fuel: Up to 5.5% cashback (4% + 1.5% points) on HPCL fuel purchases.

• Mobile, electricity, department stores: Up to 5% cashback (5 points = Rs. 1.25).

3.75% p.m. (45.00% p.a.)

• 2% cashback flat on online spends. 

• 1% cashback on all other spends.

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

• Users will get 2.5 points for all e-commerce transactions on spending INR 100. Value of 1 point = INR 0.75. E-commerce cashback rate: 1.875%.

• Users will get 1.5 points on travel and airline transactions. Travel and airline transaction cashback rate: 1.125%. 

• Users will get 1 reward point on PoS, MoTo, IVR transactions and standing instructions. Cashback rate: 0.75%.

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

• Users will get 1.7% cashback on all departmental and grocery stores. 

• 0.17% cashback on all other spends. 

3.49% per month (41.88% per annum)

• Users will get 4 reward points for spending INR 150 on retail spending. Value of 1 reward point = Upto Rs. 0.20. General cashback rate 0.53%. 

• 20 reward points on spending INR 150 on Zomatao and Swiggy. Value of 1 RP = Rs. 0.20 Swiggy/Zomato cashback rate: 2.67%. 

• On Flights and hotel bookings via Smartbuy. Value of 1 RP = Rs. 0.5. Cashback rate: 1.33%. 

• On Exclusive Privilege Dining Catalogue on select Restaurants via Smartbuy. Value of 1 RP = Rs. 0.50. Cashback rate: 1.33%. 

• On exclusive reward redemption catalogue for the HDFC Bank Diners Club Privilege Credit Card. Value of 1 RP = upto Rs. 0.35. Cashback rate: 0.93%.

2.95% per month, 35.89% annually.

• 1 reward point per INR 100 spent. 

• 1RP= INR 0.25. 

• General Cashback Rate: 0.25%.

• Cashback of 2% for all transactions over and above INR 2500. subject to a ceiling of INR 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.

2.5% per month, 30% per annum.

• For every e-commerce/general transaction, users will earn 1 reward point for INR 100 spent. 

• Where 1 cashback point = INR 1.00. 

• General Cashback Rate: 1%. 

• Cardholders will get 5x reward points on POS transactions (credit card swipe machine transactions). 

• POS Cashback Rate: 5%. 

• Cardholders will get 10x reward points on fuel transaction made via credit card through UPI (max cashback in a month: INR 400). 

• Fuel UPI Cashback Rate: 10%

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 acheiving milestone spend of INR 20,000 in any month, cardholder will get 20X points for all spends made in that month.

• Special cashback rate: 2%.

3.40% per month, 40.8% per year.

• Users will earn 2 ICICI bank reward points on domestic and international spending per INR 100.

•  Value of 1 reward point = INR 0.25, effective cashback rate = 0.5%. 

3.49% per month i.e 41.88% annually

• For every Rs. 100 spent users will get 1NeuCoin. 1 NeuCoin = ₹1, redeemable on Tata Neu app. 

• The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions. 

• Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. 

• The effective cashback rate varies from 1% to 5%.