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%.

3.50% (Annualized 42%)

• Customers will get 2 reward points for every Rs. 100 spent on online transactions, and 1 reward point for every Rs. 100 spent on all other transactions.

• 1 reward point  = INR 0.25

• Online Cashback Rate: 0.5%

• General Cashback Rate: 0.25%.

3.99% per month, 47.88% per annum.

• Users will get 1 Uni coin on every purchase of Rs. 100. 

• The value of 1 reward point is INR 1. 

• General Cashback Rate: 1%. 

• 5x Uni coins on purchase at Uni Store.

• Uni Store Cashback Rate: 5%

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%.

3.50% per month [42% per annum]

• The value of 1 RP = 0.25 paisa. Users will get 5X reward points on departmental stores, dining, and grocery spending. Cashback rate: 2.5%.

•  2 reward points per Rs 100 on all other spends, except fuel. Effective cashback rate: 0.5%.

3% per month, 42.58% per annum.

• 1 Niyo Coin = INR 0.1

• The cardholder will earn 10 Niyo Coins for every INR 100 spent on online and POS transactions (card swipe machine). 

• General Cashback Rate: 1%

• Cashback capped at 1,50,000 coins per month.

Finance charges is upto 3.50% per month
[42% per annum]

• 1 RP = 0.25 Paise.

• Users will enjoy 10 reward points per Rs. 150 spent on dining, movies, departmental stores and grocery spending. Effective cashback rate: 1.66%. 

• Users will earn 1 reward point per Rs. 150 spent on all other spends. Effective cashback rate: 0.16%.

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%.

3.49% per month (41.88% annually).

• The value of 1 reward point = INR 0.25. Users will get 4 reward points per INR 100 retail spent on grocery & departmental stores. Grocery cashback rate: 1%.

• 2 reward points per INR 100 retail spent across all other merchant categories. Effective general cashback rate: 0.50%. 

• 1 reward points per INR 100 spend on rent, insurance, BBPS, education & govt and utility & telecom categories. Utilities cashback rate: 0.25%.

3% per month and APR (Annualized
Percentage Rate of 36%)

• 1 reward point = INR 1. 

• Users will earn 1 reward point on every Rs.200/- spent on the card except on fuel purchases and cash withdrawal transactions. 

• General Cashback Rate: 0.50%.

3.6% per month. 52.86% per month.

• The value of 1 EDGE Mile is equal to INR 1. 

• Users will get 5 EDGE Miles per INR 100 spend on travel. Effective travel cashback rate: 5%

• 2 EDGE Miles per INR 100 spent on other spends. Effective general cashback rate: 2%.

3.49% per month (41.88% annually)

• Users will get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 cashback per statement cycle).

3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.

• 1 RP = 0.25 paisa.

• Users will get 12 YES Reward Points for every INR 200 for online shopping,  Online cashback rate: 1.5%.

• 6 YES Reward Points for every INR 200 for offline shopping. Offline cashback rate: 0.75%.

•  4 YES Reward Points for every INR 200 on Select categories. Cashback rate: 0.50%

37.20% - 42.00% p.a.

• 1 RP= INR 0.35

• 1% cashback on all spends.

• 5% cashback on telephone & utility bill payments, and movie ticket purchases. 

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%.

3.50% to 3.99%.

• Customers can get 3X membership reward points on everything, every time they spend abroad. Effective cashback rate: 1.50%.

• 1 membership rewards point for every ₹100 spent. 1 RP = 0.50 paisa. Effective cashback rate: 0.5%.

3.4% per month (49.36% per annum).

• Users will get 1 Edge reward point on spending INR 100. Value of 1 Edge point: INR 0.20. General cashback rate: 0.2%.

• 5 Edge reward points on purchase of insurance. Insurance cashback rate: 1%.

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

No rewards apart from milestone benefits.

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

• Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 

• 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%.

• 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 

• 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

•  3X reward points on rental and property management transactions, cashback rate: 0.50%.

0.75% - 3.5% (Monthly). Annual Interest Rate - 9% - 42%.

• Users will get 3 reward point per INR 150 spent uptill the monthly spend touches INR 20,000

• Value of 1 reward point is INR 0.25. 

• General Cashback Rate: 0.25%

• 10X reward points on crossing spends of INR 20,000 in a statement cycle & on user' birthday.

• Special Cashback Rate: 1.66%.

• 1X reward points on insurance premiums and utility bill payments. 

• Insurance+ Cashback Rate: 0.16%.