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.

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• Users will get 3 Indigo BlueChip per INR 100 on every travel spend on Indigo app/web. 

• Users will get 2 Indigo BlueChiptravel per INR 100 on hotel / lodging spends. 1 travel credit = INR 1 for redeeming on the Indigo app. 

• 1 Bluechip on all other spends. 

• Travel Cashback Rate: 3%. 

• Hotel Cashback Rate: 2%. 

• General Cashback Rate: 1%

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%).

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

• Users will be awarded 3 points on the departmental store, grocery store, dining and international spending. Effective cashback rate: 3%

• Value of 1 reward point: INR 1.  

• 1 point on all other spends. The effective general cashback rate is 1%.

• Users will get up to 5% value back on spending on Tata outlets and 3.5% value back on Star Bazaar outlets. 

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

• Users will get 3 points on the departmental store, grocery store, dining and international spending. Value of 1 reward point: INR 1. Effective cashback rate: 3%. 

• 1 point on all other spends. Effective general cashback rate: 1%.

• 3% cashback on grocery shopping and on departmental stores.  

• Up to 5% value back on spending on Tata outlets.

• 2% value back on spends at Croma and cromaretail.com

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

• Users can earn upto 15 reward points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (15 reward points when booked for self and 5 reward points when booked for others). 

• Value of 1 reward point = INR 0.25. 

• 1 point can also be converted into air miles. 1 point = 1 air mile. 

• Air India travel cashback rate: 3.75%. 

• 2 reward points for every Rs 100 spent on all other spends. 

• General cashback rate: Rs 0.5%.

3.6% per month i.e. 43.2% annually

• Users will earn 3% reward points on every Shoppers Stop spend & 1 % reward points on Non-Shoppers Stop spends. (Maximum capping of Rs.500 per month on Shoppers Stop spends & Rs.1000 per month for non-shoppers stop spends). 

• The reward points can be redeemed against a Shoppers Stop vouchers.

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• Value of 1 reward point = INR 0.25. User will get 5 reward point on domestic spends of every INR 100 upto spends of INR 1 Lakhs in a month. Domestic Cashback Rate: 1.25%. 

• Above INR 1 Lakh User will get 2.5 reward point on domestic spends of every INR 100 upto spends. Above 1 Lakh Domestic Cashback Rate: 0.625%.

•  User will get 5 reward point on GST and tax payment of every INR 100. GST Tax Cashback Rate: 1.25%. 

• User will get 5 reward point on vendor and bill payment of every INR 100. Vendor Payment Rate: 1.25%.

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%

• 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 birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year).

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%.

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).

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% .

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

• Users will get 2 reward points for every INR 100 spent on all purchases and 10 reward points for every Rs.100 when using card for dining, entertainment, fuel, utility bill payments and international purchases. 

• 1 reward point = INR 0.25. General cashback rate: 0.5%, 

• Special cashback rate on dining, entertainment, fuel, utility bill payments, and international purchases.: 2.5%. 

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

• Value 1 reward point = INR 0.25.

• Users will be awarded 20 reward points per INR 100 spent on standing instructions of utility bill payments, with a capping of 3,000 reward points per month. Effective utility bill payment cashback rate: 5%.

• 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%. 

• 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 birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year).

Finance charges: upto 3.99% p.m (upto 47.88% p.a)

• 1 RBL reward point = Rs 0.25. 

• Users will be awarded 2 reward points for every INR 100 spent on all purchases, general cashback rate of 0.5%.

• 5x reward points i.e. 10 reward points for every INR 100 spent online, up to 500 reward points in a month. Online cashback rate: 2.5%.

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 bills 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%.

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%.

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

• Users will get 4 InterMiles on spending INR 100 through the credit card. 

• The value of 1 InterMiles is not exact it depends on the flight you are trying to book it varies from INR 0.17 to INR 0.50. Effective cashback rate: varies from 0.68% to 2%.

•  Up to 20% off on affiliated restaurants on using American Express card.