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%.

2.50% monthly, 30% annually.

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

• Value of 1 reward point = INR 0.25. 

• General Cashback Rate: 0.50%.

0.75% monthly, 9% annually.

• 1% cashback on UPI spend via the IDFC FIRST Bank mobile app. 

• 0.5% cashback on UPI spends via other apps. 

• 0.5% cashback on all online spends, cashback will be capped at INR 500 in a statement cycle.

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

• Value of 1 point Rs. 0.25. 

• Users will get 6 Etihad guest miles on every INR 100 spent on Etihad.com. Effective cashback rate: 1.50%. 

• 4 Etihad guest miles on every INR 100 spent on International spending. Effective cashback rate: 1%. 

• 2 Etihad guest miles on every INR 100 spent on other spend. Effective cashback rate: 0.50%.

• Users will get 3% on Economy Class and 10% on Business Class discount on direct Etihad Airways booking.

3.59% per month (43.08% annually).

• Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%. 

• 1 reward point per INR 100 spend on Utility & Telecom and Insurance category spends. Cashback rate: 0.25%. 

• 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100).

3.60% p.m. 43.20% p.a.

• Users will earn 4 InterMiles on every INR 150 spent on retail spends. 

• 8 InterMiles on every INR 150 spent on every flight ticket booked on https://flights.intermiles.com. 

• 8 InterMiles on every INR 150 spent on every Hotel https://interbook.intermiles.com/. 

• The value of 1 InterMile point for flights is Rs. 1. 

• Flight Ticket Cashback Rate is 5.33%. 

• The value of reward points will vary from 0.6 to 0.8 for Hotels, Shopping, and Gift cards.

3.6% per month (44.9% per annum)

• Users will earn 2 points for every INR 100 spent.

• Value of 1 point vairies from INR 0.5 to 0.8, depending on the price of flight ticket you reedem them against. 

• Value of 1 point vairies from INR 0.5 to 0.8, depending on the price of flight ticket you reedem thagainst. 

3.6% per month, 43.2 % annualized

• Users will earn 2 edge reward points for every INR 100 spent using My Zone credit card.

•  Value of 1 edge reward point = INR .20. Cashback rate: 0.4%.

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

• Users will get 10 points for every INR 150 spent on dining, movies, departmental stores and grocery spending.  Effective cashback rate: 1.6%. 

• Value of 1 point = INR 0.25.

• 1 reward point on all other spend per INR 150. Effective general cashback rate: 1.25%. 

• 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.16%.

16% p.a.

• The value of 1 reward point = 0.25.

•  For every Rs. 100 spent on non-fuel transactions, the cardholder will earn 2 reward points. Effective cashback rate: 0.50%. 

• 1.50% cashback in the form of 6 payback points on transactions made on the HP Pay App. 

• 16 rewards will be awarded on fuel spends with a minimum transaction of Rs. 500 and above at authorized HPCL outlets which would be equivalent to 4% cashback on every Rs. 100.00 spent up to a maximum of 150 per billing cycle per card. 

3.6% per month i.e. 43.2% annually

• Users will earn 2 reward points for every INR 150 spent on the credit card. 

• 1 reward point = INR 0.20.  General cashback rate: 0.13%.

•  Cardholders will get 5x reward points on spending on groceries, supermarkets & departmental stores (Maximum 1000 points per month). Grocery cashback rate: 0.67%.

•  5X reward points on utility bills, IRCTC & tax payments (Maximum 1000 points per month). Utility cashback rate: 0.67%. 

3.60% p.m. 43.20% p.a.

• Users earn 4 Reward Points for every INR 200 spent on eligible retail spends. 

• Using a Reward Point value of INR 0.30, the effective reward value is 0.60%. 

• The card also offers 5% cashback on eligible business-essential spends such as electricity, telecom and tax payments, subject to applicable conditions and caps.

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

• Users will earn upto 30 reward points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. 

• (30 reward points when booked for self and 10 reward points when booked for others). 

• Value of 1 reward point = INR 0.25. 

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

• Air miles can be redeemed for air tickets. 

• Air India travel cashback rate: 7.5%. 

• 4 reward points for every INR 100 spent on all other spends. 

• General cashback rate:1%.

Does not have a traditional interest rate

• The value of 1 RP = INR 0.50.

• Users will get 2 Membership rewards points per Rs. 100 spent on flights and hotels booked through American Express Travel. Effective cashback rate: 1%.

•  1 Membership rewards point per Rs. 100 spent on all other purchases. Effective cashback rate: 0.50%.

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

• Users will get 1 reward point for INR 100 spent on Weekdays and get 2 reward points for INR 100 spent on Weekends. 

• Value of 1 Reward point = INR 1. Weekday cashback rate: 1%. Weekend cashback percentage: 2%. 

2.95% p.m. (35.89% p. a.)

• Users will earn 2 reward points for every INR 150 spent on this card. 

• 1 RP = INR 0.50. 

• General Cashback Rate = 0.66%.

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%.

3.8% p.m (45.60%p.a).

• Users will get 4 reward points for every INR 200 on travel & dining spends 

• Value of 1 point = INR 0.25%

• Travel Dining Cashback Rate of 0.5%.

•  2 reward points for every INR 200 on all categories.

• General Cashback Rate: 0.25%.

3.75% monthly, 45% annually

• 5% cashback on telecom, utility, govt. & tax payments up to INR 250 per month. 

• 1% cashback on all other spends.(Maximum INR 25,000 per month). 

1.99% per month (23.88% annually)

• Users will get 20 reward points per INR 100 retail spend on dining at standalone restaurants. Restaurant cashback rate: 5%.

• 10 reward points per INR 100 retail spends done on International transactions, grocery and departmental stores. Grocery cashback rate: 2.5%. 

• 5 reward points per INR 100 retail spend done across other merchant categories. General cashback rate: 1.25%. 

• 1 reward point per INR 100 retail spend done on BBPS and utility & telecom categories. Utility cashback rate 0.25%.