Joining Fee Incl Annual Fee Incl Fee waiver

S. No Card Name
GST GST condition

1 Axis Magnus ₹ 14,750 ₹ 14,750 ₹25 Lakh

2 Axis Atlas ₹ 5,900 ₹ 5,900 NA

3 Axis Horizon ₹ 3,540 ₹ 3,540 NA

4 Axis IndianOil ₹ 1,180 ₹ 1,180 ₹ 1 lakh

Premium

5 Axis Flipkart ₹3.5 Lakh

₹ 589
6 Axis ACE ₹ 589 ₹2 Lakh

7 Axis Airtel ₹2 Lakh

8 Axis MyZone ₹0 / LTF ₹590 / LTF NA

9 Axis Neo LTF LTF NA

1 AU Zenith + ₹ 5,900 ₹ 5,900 ₹8 Lakhs

2 AU LIT LTF / Subscription based NA

3 AU Vetta ₹ 3,539 ₹ 3,539 ₹1.5 Lakhs

4 AU Altura + ₹ 590 ₹ 590 ₹ 0.8 Lakh

5 AU Zenith ₹ 9,439 ₹ 9,439 ₹ 5 Lakh

6 AU Ixigo ₹ 1179 / LTF ₹ 1179 / LTF ₹ 1 Lakh

7 AU Spont ₹ 353 ₹ 353

 8 AU Xcite

NA

9 AU Xcite Ace
LTF

10 AU Xcite ultra

HDFC Core Credit cards

1 HDFC INFINIA METAL ₹ 14,750 ₹ 14,750 ₹10 Lakhs

2 HDFC DCB METAL ₹ 11,800 ₹ 11,800 ₹8 Lakhs

3 HDFC Regalia Gold ₹ 2,950 ₹ 2,950 ₹4 Lakh

HDFC Diner Club

4 Privilege
₹ 1,180 ₹ 1,180 ₹3 Lakh
5 HDFC Millennia ₹ 1,180 ₹ 1,180 ₹1 Lakh

6 HDFC MoneyBack + ₹ 590 ₹ 590 ₹ 50,000

7 HDFC Pixel Play ₹ 590 ₹ 590 ₹1 Lakh

 8 HDFC RuPay UPI ₹ 117 ₹ 117 ₹ 25,000

HDFC Co-Branded Credit cards

9 HDFC IndianOil ₹ 590 ₹ 590 ₹ 50,000

HDFC TATA Neu

10 ₹ 1,170 ₹ 1,180 ₹3 Lakh
Infinity
11 HDFC TATA Neu + ₹ 590 ₹ 590 ₹1 Lakh

12 HDFC Swiggy ₹ 590 ₹ 590 ₹2 Lakh

13 HDFC Marriot Bonvoy ₹ 3,540 ₹ 3,540 NA

 14 HDFC IRCTC ₹ 590 ₹ 590 ₹1.5 Lakh

15 IndiGo 6E Rewards XL ₹ 1,180 ₹ 1,180 NA

HDFC Business Credit cards

HDFC Biz Black Metal

16 11800 11800 ₹7.5 Lakh
Edition
1 ICICI Emeralde ₹ 14,750 ₹ 14,750 ₹10 Lakh
Private Metal

2 ICICI Times ₹ 23,600 ₹ 23,600 ₹25 Lakh

Black

3 ICICI Sapphiro ₹ 7,670 ₹ 4,130 ₹6 Lakh

4 ICICI Rubyx ₹ 3,540 ₹ 2,360 ₹2 Lakh

5 ICICI MMT ₹ 1,180 ₹ 1,180 ₹3 Lakh

6 ICICI AMAZON PAY LTF NA

LTF for existing Customers,

7 ICICI Coral RuPay ₹590 for new customers
if paid: ₹ 1.5 Lakh

1 SBI Cahback ₹ 1,179 ₹ 1,179 ₹ 2 Lakh

2 SBI SimplyClick ₹ 590 ₹ 590 ₹ 1 Lakh

3 SBI SimplySave ₹ 590 ₹ 590 ₹ 1 Lakh

Rupay
4 SBI BPCL Octane ₹ 1,770 ₹ 1,770 ₹2 Lakh

5 SBI PULSE ₹ 1,770 ₹ 1,170 ₹ 2 Lakh

6 SBI Prime ₹ 3,540 ₹ 3,540 ₹3 Lakh

7 SBI SBI Elite ₹ 5,900 ₹ 5,900 ₹ 10 Lakh

1 Mayura ₹ 7,079 ₹ 7,079

2 Ashva ₹ 3,540 ₹ 3,540

3 wealth

4 Select

NA

5 classic LTF

6 Millennia
7 WOW

8 SWYP ₹ 590 ₹ 590

9 Power + ₹ 590 ₹ 590 ₹ 1.5 Lakh

1 BOB ETERNA ₹ 2,949 ₹ 2,949 ₹2.5 Lakh

2 BOB TIARA Rupay ₹ 2,949 ₹ 2,949 ₹2.5 Lakh

3 BOB PREMIER 1180 / LTF ₹1180 / LTF ₹1 Lakh

4 BOB Select ₹885 / LTF ₹885 / LTF ₹ 70,000

5 BOB Snapdeal Rupay 294 / LTF ₹294 / LTF NA

6 BOB HPCL Energie ₹590 / LTF ₹590 / LTF NA

7 BOB Easy ₹590 / LTF ₹590 / LTF ₹ 35,000

 HSBC
1 ₹ 5,899 ₹ 5,899 ₹8 Lakh
TravelOne

₹23600
No Renewal
2 HSBC Ptemier ₹ 14,160
Fee for premier
NA
customers

3 HSBC Live + ₹ 1,179 ₹ 1,179 ₹2 Lakh

4 HSBC VISA platinum LTF NA

1 SC Ultimate ₹ 5,900 ₹ 5,900 NA

2 SC EaseMyTrip ₹ 413 ₹ 413 ₹ 50,000

3 SC smart ₹ 590 ₹ 590 ₹1.2 Lakh

4 SC rewards ₹0 ₹ 1,179 ₹1.5 Lakh

Spend of Rs 500 or
more within 30
days from card
5 SC Platinum rewards LTF issuance to avoid
levy of onetime
fee of INR 250 +
GST

AMEX
1 Platinum ₹ 5,900 ₹ 5,900
Travel Credit
Card

NA
 NA

2 AMEX Gold Charge ₹ 1,180 ₹ 5,310

100% - 1.5 Lakh,

3 AMEX MRCC ₹ 1,180 ₹ 5,310
50% - 90k

4 AMEX SmartEarn ₹ 584 ₹ 584 ₹ 40,000

1 Rupay LTF NA
platinum
2 EazyDiner ₹ 2,360 ₹ 2,360 NA
Signature

3 Pinnacle ₹ 17,700 LTF NA

4 Tiger LTF NA

1 MARQUEE ₹ 11,800 ₹ 5,900 ₹10 Lakh

2 RESERV ₹ 2,950 ₹ 2,950 ₹3 Lakh

3 Elite + ₹ 1,180 ₹ 1,180 ₹2 Lakh

4 ACE ₹ 590 ₹ 590 ₹ 50,000

5 YES First Business ₹ 1,180 ₹ 1,180 ₹3 Lakh

1 IndianOil RBL ₹ 1,770 ₹ 1,770 ₹ 2.75 Lakh
XTRA

2 World Safari ₹ 3,540 ₹ 3,540 NA

1.5 Lakh if paid

3 Shoprite LTF LTF
card

1 Myntra ₹ 590 ₹ 590 ₹ 1 Lakh

2 IndiGo 6E ₹ 180 ₹ 1,180 ₹ 3 Lakh
Rewards XL

3 IndianOil ₹ 530 ₹ 530 ₹ 50,000

4 League LTF LTF NA

platinum

5 Zen Signature ₹ 1,180 ₹ 1,180 ₹ 1.5 Lakh

6 Privy league ₹0 ₹0 / ₹2950 ₹5 Lakh
Signature

7 white Reserve ₹ 14,750 ₹ 14,750 ₹10 Lakh

8 White ₹ 3,540 ₹ 3,540 ₹5 Lakh

1 Celesta ₹ 3540 LTF ₹ 3540 / LTF ₹ 3 Lakh

2 Imperio ₹ 1770 LTF ₹ 1770 / LTF ₹ 1.5 Lakh

3 Signet ₹ 885 / LTF ₹ 885 / LTF ₹ 0.75 Lakh

1 One Card

2 Scapia

LTF NA
 LTF NA

3 Kiwi

4 Jupiter CSB
Edge Rupay
Reward Type Reward Structure

12 Edge RP per ₹200 spent up to ₹1.5L

35 Edge RP per ₹200 spent above ₹1.5L
60 Edge RP per ₹200 spent upto ₹2L in Travel Edge
Portal.
35 Edge RP per ₹200 spent above ₹2L in Travel Edge
Rewards Portal.
2 partner Miles for every 5 Edge RP across 20 travel
partners.

5 EDGE Miles for every ₹100 spent on Travel EDGE,

airline, and hotel merchants
2 EDGE Miles per ₹100 spent on all other eligible spends

Airmiles

5 EDGE Miles on every ₹100 spent on Axis Bank Travel

Edge website and on airline spends.
2 EDGE Miles on every ₹100 spent on all other eligible
spends.
Airmiles

1 EDGE Mile on every ₹150 spent for all other eligible

spends
6X(5X+1X-Base) EDGE Miles on every ₹150 spent at
IndianOil fuel Pump
2X EDGE Miles on every ₹150 spent at Groceries and
Airmiles Supermarket

5% cashback on Flipkart, clear trip

4% on (Swiggy, Uber, PVR)*
1% on all other expenses

Cashback
 5% cashback on bill payments via Gpay (Conv Fee:
1.18%)
4% on food delivery & rides*
1.5% on all other eligible spends
Cashback

25% cashback on Airtel Recharge and wifi/DTH bills

10% on utility bills, Swiggy, tomato, etc.*
1% on other eligible expenses
(All Bills should be paid through Airtel thanks App)
Cashback

4 Edge RP for every ₹200 spent on all eligible categories

Rewards

1 Edge RP for every ₹200 spent on all eligible Txns

Rewards

2 RP per ₹100 spent on travel, dining, and international

spends
1 RP per ₹100 on retail spends across all merchant
categories
Rewards &
Lifestyle benefits
 around 7% return on Dining, Apparel, Online
& Offline Spends

Customizable
Rewards

4 RP per ₹100 spent on Grocery, Dept stores

2 RP per ₹100 spent on all Other Spends
10 RP per ₹100 spent on Utility Bills
Rewards

2 RP per ₹100 on Online Txns

1 RP per ₹100 on utility & insuranceTxns
1.5% Offline Cashback(1 RP after exceeding
max limit)
Rewards

20 RP per ₹100 on Dining

10 RP per ₹100 International txns, Grocery,
Dept stores
5 RP per ₹100 across all other eligible
Rewards categories
1 RP per ₹100 on Insurance and Utility &
Telecom categories

10 RP per ₹200 spent on train bookings via

ixigo
10 RP per ₹200 spent on online purchases
5 RP per ₹200 spent on offline purchases
Rewards

1% cashback on All eligible spends

Coins
 2 RP Per ₹100 spent on all eligible Txns
15 RP per ₹100 spent on groceries, dept stores, movies,
and dining

Rewards

No Cashback: below ₹7,500 in a statement

cycle.
1% Cashback: above ₹7,500 but are less than
₹12,500.
2% Cashback: above ₹12,500 but are less
Cashback
than ₹20,000.
3% Cashback: above ₹20,000.

4 RP per ₹100 spent on Offline Txns

8 RP per ₹100 spent on Online Spends
12 RP per ₹100 spent International Spends

Rewards

5 RP per ₹150 spent on the card across all retail

categories, including insurance, utilities, and education,
10X RP on travel and shopping spends made through
HDFC Bank's SmartBuy platform.

Rewards
 5 RP per ₹150 spent on the card across all retail
categories, including insurance, utilities, and education
10X Reward Points on spends via HDFC Bank's SmartBuy
platform.
Earn 2X on weekend dining at standalone restaurants

Rewards

4 RP per ₹150 spent on retail purchases,

20(5X) RP per ₹150 spent at (Marks &
Spencer, Myntra, Nykaa, and Reliance
Digital)*

Rewards

4 RP per ₹150 spent on retail purchases,

20(1X+4X) RP per ₹150 spent on Swiggy and
Zomato,
Up to 10X RP on spends via SmartBuy.

Rewards
 5% Cashback on (Amazon, BookMyShow,
Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy,
Tata CLiQ, Uber and Zomato)*
1% cashpoints on other eligible spends

CashPoints

10X CashPoints (3.3% Valueback) on

(Amazon, Flipkart, Swiggy, Reliance Smart
SuperStore, & BigBasket)*
2 CashPoints per ₹150 spent on other spends

CashPoints

5% Cashback on choice of any two packs

- Dining & Entertainment Category –
BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart
Bazaar
- Electronics Category – Croma & Reliance
Digital
- Fashion Category – Nykaa & Myntra
5% Cashback on Smartbuy
CashPoints 3% Cashback on choice any one of E-
commerce merchant ​- Amazon or Flipkart, or
PayZapp
1% Unlimited Cashback across all other
spends
1% Cashback on UPI Spends (Applicable only
on PIXEL RuPay Credit Card holders)
10% Cashback on Dining Spends Via PIXEL
RuPay Credit Card UPI Scan & Pay.
 3% Cashpoints on Groceries, SuperMarket &
Dining spends & PayZapp transactions.
2% Cashpoints on Utility spends
1% Cashpoints on other spends

CashPoints

5% on spends at IndianOil outlets

5% on Groceries and Bill Payments
1 Fuel Point for every ₹150 spent on all other
purchases (including UPI transactions).

Fuel points

5% back as NeuCoins on Non-EMI Spends on

Tata Neu and partner Tata Brands Earn
additional 5% back as NeuCoins on selected
categories on Tata Neu App/Website, post
downloading Tata Neu App and registering for
NeuPass
1.5% back as NeuCoins on Non-Tata Brand
Neu Coins Spends and any Merchant EMI Spends
1.5% back as NeuCoins on UPI spends
(including spends on partner Tata Brands)
 2% back as NeuCoins on Non-EMI Spends on
Tata Neu and partner Tata Brands.
1% back as NeuCoins on Non-Tata Brand
Spends and any Merchant EMI Spends
1% back as NeuCoins on UPI spends
(including spends on partner Tata Brands)

Neu Coins

10% cashback on all spends done on swiggy

5% cashback on online purchases across
various categories like shopping, travel, and
entertainment.
1% cashback on all other spends, including
offline transactions.

Cashback Cashback cannot be earned on transactions

made using Swiggy Money Wallet, Swiggy
Minis & Swiggy Liquor, and any other
categories decided later (if any)

8 Marriott Bonvoy Points per ₹150 spent at

hotels participating in Marriott Bonvoy
4 Marriott Bonvoy Points per ₹150 spent on
travel, dining & entertainment
2 Marriott Bonvoy Points per ₹150 spent on all
other applicable purchases*

Marriott Bonvoy
Points
 5 RP for every INR 100 spent on IRCTC
ticketing website and Rail Connect App
1 RP for every INR 100 spent on all other
spends
Additional 5% cashback on train ticket
bookings via HDFC Bank SmartBuy.
1% Transaction charges waiver on
Rewards transactions done on IRCTC ticketing website
and Rail Connect App

5 6E Rewards per ₹100 Spends on flights

booking on IndiGo App/Website
3 6E Rewards per ₹00 Spends on Grocery,
Dining & Entertainment
2 6E Rewards per ₹100 on all other spends

Rewards

5 RP for every Rs.150 spent

5X Reward Points on your select Business spends such as
1. Bill Payment via Payzapp & SmartPay
2. Income Tax/ Advance Tax payment via
eportal.incometax.gov.in View steps.
3. GST payment via payment.gst.gov.in view steps.
4. Hotel & flight booking on MMT MyBiz powered by
SmartBuy BizDeals
5. Business Productivity tools like Tally, Office 365, AWS,
Google, Credflow, Azure & more via SmartBuy BizDeals -
Rewards Nuclei
10X RP via SmartBuy
Note: 5X Reward Points applicable on minimum spends
Rs. 50,000 in statement cycle.
 6 RP on ₹200 spent on all eligible Txns

Rewards &
Lifestyle

2.5% RP international spends

2% on domestic spends

Rewards

4 RP per ₹100 spent on international purchases

2 RP per ₹100 spent on domestic purchases
1 RP per ₹100 spent on utilities and insurance

Rewards

4 RP per ₹100 spent on international purchases

2 RP per ₹100 spent on domestic purchases
1 RP per ₹100 spent on utilities and insurance

Rewards

6% My Cash on hotel bookings made through

MakeMyTrip (over and above existing discounts)
3% My Cash on flight, bus, and cab bookings made
through MakeMyTrip (over and above existing discounts)
1% My Cash on all other retail spends
MMT MyCash
 5% on Amazon shopping (prime members)
3% on Amazon shopping (Non-prime members)
2% on utility bill payments via Amazon and it's partner
brands,
Cashback as Apay 1% unlimited cashback on other spends
Balance

2 RP per ₹100 spent on domestic purchases

1 RP per ₹100 spent on utilities and insurance

Rewards

5% cashback on online spends without any merchant

restrictions
1% on offline spends

Cashback

10X RP on online spends with exclusive partners

5X reward points on all other online spend,
1 RP per ₹100 on offline spends

Rewards

10X RP per ₹150 spent on Dining, Movies, Dept stores,

and Grocery Spends
1 RP on all other spends

Rewards
 BPCL Fuel, Lubricants, and Bharat Gas (online): 25 RP per
₹100 spent
Dining, Departmental Stores, Grocery, and Movies: 10 RP
per ₹100 spent
All Other Spends (except wallet uploads and non-BPCL
Fuel fuel): 1 RP per ₹100 spent

Enjoy 1 year complimentary FITPASS PRO Membership,

to be received every year, on card renewal Enjoy 1 year
complimentary Netmeds First Membership, to be
received every year, on card renewal, Enjoy 10 Reward
Points per Rs. 100 spent on Chemist, Pharmacy, Sports,
Rewards Dining and Movies spends
Earn 2 Reward Points per Rs.100 spent on all your other
spends

2 RP per ₹100 on all other retail spends

20 RP per ₹100 spent on your birthday (Reward points
on Birthday spends (one day before, on birthday and one
day after) is capped at 2000 Reward points per calendar
year)
Rewards

5X RP on Dining, Departmental stores and Grocery

Spends
2 RP per ₹100 on all other spends

Rewards

5X RP per ₹150 spent below ₹20000

3X RP per ₹150 spent on Rental & Property
Management, Government Services, Education, and
Wallet Load txns
1X on utility and Insurance
 5X RP per ₹150 spent below ₹20000
3X RP per ₹150 spent on Rental & Property
Management, Government Services, Education, and
Wallet Load txns
1X on utility and Insurance

3X RP per ₹150 spent below ₹20000

3X RP per ₹150 spent on Rental & Property
Management, Government Services, Education, and
Wallet Load txns
1X on utility and Insurance

Reward
 4X RP per ₹150 spent
1X on utility and Insurance

None

Earn 5% Reward Point on expenses of up to ₹12,000

every month, plus earn 1.5% value back as HP Happy
Applicable on using “Pay by QR” or “Wallet upload"
option in HP Pay App
Coins if used via HP Pay app, (incl UPI Txns)
UPI transactions will earn 3X Reward Points across all
categories
2.5% on Grocery and utility payments
2.5% savings as Rewards on IDFC FIRST FASTag recharge
2X Rewards on other retail transactions

15 RP per ₹100 spent (5X rewards) ON Dining, Travel &

International Spends, Online Shopping
3 RP per ₹100 spent on all Other Categories:

Rewards
 15 RP per ₹100 spent (5X rewards) ON Dining, Travel &
International Spends, Online Shopping
3 RP per ₹100 spent on all Other Categories:
Memberships /
Rewards

5X RP per Rs.100 on Travel, Dining & International Txns

2 RP on all other eligible Txns, UPI

Rewards

5 RP per Rs. 100 on Dining & Online Txns

1 RP on all other eligible Txns, UPI

Rewards

20 RP per Rs.100 spent on snapdeal

10 RP per Rs.100 on Grocery, Dept stores & Online
shopping
4 RP on all other eligible Txns, UPI, 20 RP on Snapdeal
Rewards

24 RP on HPCL Fuel stations & HP Pay App every month,

plus earn 1.5% value back as HP Happy Coins if used via
HP Pay app, (incl UPI QR Txns)
UPI transactions will earn 2 RP across all categories
Rewards 10 RP on Grocery and utility payments and Dept stores
2 RP Per Rs.150 Spent on other eligible Txns on other
retail transactions

5 RP per Rs. 100 on dept stores, Movies

1 RP on all other categories
1 RP on card Bill payments, UPI

Rewards
 4 RP per ₹100 spent on Travel & Flights, Forex spends 2
RP on all other spends

Airmiles

Rewards 3 RP per ₹100 spent

10% off on Grocery, Food delivery, dining,

1.5% unlimited cashback on other spends

Cashback

5X (10 RP per Rs. 150) above ₹4 lakh spends

2 RP on all other categories.

Rewards

5 RP per ₹150 spent on retail purchases

3 RP per ₹150 spent on Utilities, Supermarkets,
Insurance, Property management, Schools &
Government payments
Rewards 5% cashback on duty-free spends
 10 RP per ₹100 spent at standalone hotel and airline
websites/apps/outlets.
2 RP per ₹100 spent on all other retail purchases,
including those made on EaseMyTrip.
Rewards

Online Spends: 2% cashback on all online transactions,

Offline Spends: 1% cashback on all offline transactions

Cashback

4 RP per ₹150 spent on all categories

1 RP per ₹150 spent on Govt & Insurance
2X RP per ₹150 on monthly Retail spends* above INR
₹20,000
Rewards

5 RP per ₹150 on dining and Fuel

1 RP on all other spends

Rewards

1 MR point for every ₹50 spent on eligible purchases

3 MR Points ₹50 spent on AMEX Rewards Multiplier

Reward
Points/Airmil
es
 1,000 bonus MR points every month by completing six
transactions of ₹1,000 or more each
5X MR points through the Amex Reward Multiplier portal

Rewards

1,000 bonus MR points per month for making 4

transactions of ₹1,500+ each.
1,500 bonus MR points per month on cumulative
spending of ₹20,000+ per calendar month.
2X MR points on Reward Multiplier

Rewards

10X MR points on specific merchants

5X MR points on Amazon & Flipkart spends
1 MR point for every ₹50 on other spends

Rewards

1 RP on every ₹100 spent on all other categories

2 RP on every ₹100 spent on UPI spends
0.7 RP on every ₹100 spent on Utility, govt services,
insurance spends

Rewards
 10 RP on every ₹100 spent on dining, shopping and
entertainment
4 RP on every Rs 100 spent on all other spends
3X Eazypoints on EazyDiner App

EazyDiner
points

2.5 RP on every ₹100 spent on E-com Txns

1.5 RP on every ₹100 spent on Travel spends
0.7 RP on every ₹100 spent on sel categories.(Utility,
govt services, insurance, education, rent spends)

Rewards

1 RP below ₹1L
2 RP from ₹1L to ₹2.5L
4 RP from ₹2.5L to ₹5L
6 RP above ₹5L
Total 20000 RP on spending 6L (1.33%)

Rewards

36 YES RP per ₹200 spent on online shopping (except on

select categories).
18 YES RP per ₹200 spent on offline shopping (except on
select categories).
10 YES RP per ₹200 spent on select categories
(recharge, utility bill, insurance, and other government
payments).
Rewards
 24 YES RP per ₹200 spent on online shopping (except on
select categories).
12 YES RP per ₹200 spent on offline shopping (except on
select categories).
6 YES RP per ₹200 spent(recharge, utility bill, insurance,
and other government payments). on select categories

Rewards

12 YES RP per ₹200 spent on online shopping (except on

select categories).
6 YES RP per ₹200 spent on offline shopping (except on
select categories).
4 YES RP per ₹200 spent on select categories (rent, wallet
loafd, recharge, utility bill, insurance, and other
government payments).
Rewards

8 YES Rewardz Points per ₹200 spent on online shopping

(except on select categories).
4 YES Rewardz Points per ₹200 spent on offline shopping
(except on select categories).
2 YES Rewardz Points per ₹200 spent on select categories
(recharge, utility bill, insurance, and other government
payments).
Rewards

16 YES Rewardz Points per ₹200 spent on

Air/Hotel/Dinning/Travel/Rented Vehicles) other than
‘Select categories
8 YES Rewardz Points per ₹200 spent on offline shopping
(except on select categories).
4 YES Rewardz Points per ₹200 spent on select categories
(recharge, utility bill, insurance, and other government
Rewards payments).
 15 fuel points per ₹100 spent at IndianOil fuel stations
2 fuel points per ₹100 spent on all other purchases.
Points on UPI: above ₹2000 Txn value

Fuel points

5 RP for ever ₹ 100 spent on Travel

2 RP for every ₹ 100 spent on Domestic retail Txns
No rewards on International Txns

Rewards

20 RP on Grocery spends
1 RP on other spends
RP on UPI: above ₹2000 Txn

Rewards

7.5% instant discount on all purchases made on the

Myntra platform (website and app)
5% cashback on spends at partner merchants
1.25% cashback on all other spends
1.25% cashback on UPI payments above ₹2000

Cashback
 6 6E reward on every INR 100 spent on IndiGo
3 6E reward on every INR 100 spent on Dining, Grocery &
Entertainment
2 6E reward on every INR 100 spent on all other
categories

6E Rewards

24 Reward Points on every INR 150 spent on IndianOil

Fuel
12 Reward Points on every INR 150 spent on Dining &
Grocery
3 Reward Points on every INR 150 spent on all other
spends
Rewards UPI Spends: 0.5%

Up to 8X reward points for every ₹150 spent on special

categories (travel agencies, airlines, electronics,
departmental stores)
4X reward points for every ₹150 spent on other
categories (up to ₹2 lakh annual spend)

Rewards

10 Zen Points for every Rs. 150 spent on Shopping

(Apparel, Lifestyle goods, Departmental Stores &
Jewellery)
5 Zen Points for every Rs. 150 on all other spends.

Zen points
 5 Reward Points on select retail shopping (apparel,
jewelry, consumer durables, restaurants, departmental
stores) and travel spends (airlines, hotels, restaurants,
international spends, travel agencies).
2 Reward Points on all other spends.

Rewards

Earn value on crossing every spend-milestone

White pass Min 2000 white pass on ₹2 Lakh spends and Max 27000
white pass on ₹12 Lakh Milestone

3X reward points on travel and international spends.

2X reward points on dining spends.
1X reward point for ₹125 spent on all other spends.

Rewards
 3x rewards on spends for Health Care, Grocery
categories
2x rewards on spends for Utility categories (like Bill
payments for Electricity, Gas, mobile etc)
1x rewards for ₹125 spent on other categories.
Rewards

3X rewards on spends for Electronics and apparel

2X rewards on spends for Entertainment
1X rewards for ₹150 spent other categories.

Rewards

5X RP on your top 3 spending categories each month

1X RP: On all other spends

Rewards

10% Scapia Coins on all online and offline spends

20% Scapia Coins on travel bookings made through the
Scapia app.

Scapia coins
 1 Kiwi points for ₹50 spent
2X kiwi points on UPI payments(Scan & Pay)
Neon Subscription:
up to 5% cashback on UPI payments
Subscription cost: ₹999/- per year (currently it's Free)
The base reward rate is increased to 2% on scan & pay
Txns

Kiwi coins

2% cashback on selected categories

we've to sel category from jupiter App and the selected
categories can be switched every 3 billing cycles
Flat 0.4% cashback on UPI and all other spends
Rewards
Capping on Rewards/Cashback/Miles Redemption methods

1 Edge RP = ₹0.20 (vouchers)

5 Edge RP = 2 Partner points
12 Edge RP = ₹ 2.4 (Points Transfer)
No capping
Points Transfer charge: Rs. 199+GST
RP Redemption Charge: Rs. 99+GST

1 Edge Mile = ₹ 1
1 Edge Mile = 2 partner point
5X: upto ₹2L spends/month Regular spends: 2% (Edge Rewards portal)
Base RR: above 2L
capping of 1.5L on redemption Points Transfer charge: Rs. 199+GST
RP Redemption Charge: Rs. 99+GST

1 Edge Mile = ₹ 1
1 Edge Mile = 1 partner point
Regular spends: 2% (Edge Rewards portal)
Regular spends: 2% (points transfer)
No capping
Points Transfer charge: Rs. 199+GST
RP Redemption Charge: Rs. 99+GST

5X: up to 600 EDGE Miles in total (5X Fuel: 1 Edge Mile = ₹1

Accelerated + 1X Base) i.e., on Partner Miles/points: 2 Edge Miles = 1 partner point
Cumulative fuel spends of ₹15,000 per 3 Edge Miles: 10 XTRAREWARDS (IOCL Rewards
month currency)
2X: up to ₹5000 spends (Max 33 Edge Products & vouchers: Dynamic
Miles) Points Transfer charge: Rs. 199+GST

Direct stmt credit (Cashback)

No capping Cashback will be credited after 5 days of the bill due
date
 Capped at ₹500 per
Direct stmt credit (Cashback)
stmt cycle.
Cashback will be credited after 5 days of the bill's due
Combined
date
capping for 5% & 4%

₹250 per month on 25% Airtel cashback Direct stmt credit (Cashback)
₹250 per month on 10% utility bills ashback will be credited after 5 days of the bill's due
₹500 per month on partner merchants date

1 Edge RP = ₹0.20 (Rewards catalogue)

No capping
RP Redemption Charge: Rs. 99+GST

1 Edge RP = ₹0.20 (Rewards catalogue)

No capping
RP Redemption Charge: Rs. 99+GST

1 RP = ₹1
E-vouchers
Merchandise
No capping
Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST
 Based on selected benefits.

1 RP = ₹0.25
E-vouchers
Merchandise
Utility Bills: 100 RP per txn
Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

1 RP = ₹0.25
₹100 cashback capping per stmt cycle.
E-vouchers
i.e up to ₹6666 offline spends
Merchandise
utility: 100 RP Max per txn i.e up to
Mobile/DTH recharges
₹1000 spends
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

1 RP = ₹0.25
E-vouchers
Utility & Telecom: 100 RP Max per Txn
Merchandise
i.e, up to ₹1000 per Txn
Mobile/DTH recharges
Dining: Up to 5000 RP per stmt cycle
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

The discounts on ixigo bookings are

capped at ₹1,000 for flights and hotels
and ₹300 for buses 1 RP = ₹0.25
Rewards capped at 10000 RP per stmt E-vouchers
cycle Merchandise
Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

5 RP = ₹1
E-vouchers
Merchandise
Cashback capped at ₹500 per stmt cycle Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST
 1 RP = ₹0.25
E-vouchers
utility: 100 RP Max per Txn i.e, up to Merchandise
₹1000 per Txn Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

Max ₹750 per month

utility: 100 RP Max per Txn i.e up to stmt credit
₹1000 per Txn

1 RP = ₹0.25
E-vouchers
utility: 100 RP Max per Txn i.e, up to Merchandise
₹1000 per Txn Mobile/DTH recharges
Flight/Hotel bookings
RP Redemption fee: ₹ 99+GST

A monthly cap of 15,000 RP on

accelerated rewards earned through
SmartBuy
Max 200000 RP can be earned per Flight and Hotel Bookings via Smartbuy: 1 RP = Rs 1
month Apple products and Tanishq vouchers via Smartbuy:
Only 70% of the booking amount can be 1RP = Rs. 1
redeemed through reward points Airmiles conversion through net banking: 1RP = 1
Only 70% of the voucher value can be Airmile
redeemed using reward points Products and Vouchers via Netbanking or SmartBuy: 1
only 1 Apple product/Quarter and 1 RP = up to Rs 0.50
Tanishq Voucher per month, stmt credit: 1 RP = Rs 0.30
Max 2000 RP on Grocery & utility bills
per month
Max 5000 RP on insurance per day.
 1X: 75000 RP per month
10X: 10000 RP per month
2X: 1000 RP per day
Flight and Hotel Bookings via Smartbuy: 1 RP = Rs 1
Insurance: 5000 RP / day
Airmiles conversion through net banking: 1RP = up to 1
Utility, Telecom, Grocery: 2000 RP per
airmile
month
Products and Vouchers via Netbanking or SmartBuy: 1
MAX 75000 RP can be earned per month
RP = up to Rs 0.50
Only 70% of the booking amount can be
stmt credit: 1 RP = Rs 0.30
redeemed through reward points
Only 70% of the voucher value can be
redeemed using reward points

Exclusive Gold Catalogue on select Premium brands via

Smartbuy: RP = Rs 0.65
Flights and hotel bookings via Smartbuy: 1 RP = Rs 0.5
Airmiles conversion through Netbanking or SmartBuy
Insurance: 2000 RP per day
1RP = upto 0.5 airmiles
Grocery: 2000 RP per month
Products and Vouchers via Netbanking or SmartBuy: 1
RP = up to Rs 0.35
stmt credit: 1 RP = Rs 0.20
RP Redemption fee: 50+GST (stmt credit)

Flights and hotel bookings via Smartbuy: 1 RP = Rs 0.5

Exclusive Privilege Dining Catalogue on select
Restaurants via Smartbuy: 1 RP = Rs 0.50.
Additional 4X RP is capped at 2500 RP Redeem Rewards Points on the exclusive reward
every calendar month redemption catalogue for HDFC Bank Diners Club
Privilege Credit Card 1 RP up to Rs 0.35
Cashback: 1 RP = Rs 0.20.
RP Redemption fee: 50+GST (stmt credit
 Product Catalogue: up to ₹0.30
SmartBuy (Flights/Hotels): ₹0.3
up to 1000 cashpoints per month on 5%
Cashback: ₹1
category
Airmiles: 0.30 Airmiles
Min 500 cashpoints required for
CashPoints can be redeemed after 35-40 days of Bill
redemption
generation date
(Cashpoints Redemption fee: 50+GST (stmt credit)

1 Cashpoint = ₹0.25
UPI payments: Max 500 RP per month
Cashpoints Redemption fee: 50+GST (stmt credit

1 cashpoint = ₹1
PayZapp wallet
Max 500 Cashpoints per month
A minimum of 1000 cashpoints are required for
redemption
 1 cashpoint = ₹0.25
Max 500 Cashpoints per month
Cashpoints Redemption fee: 50+GST (stmt credit

Redeem Fuel Points for Free Fuel using the

complimentary IndianOil XTRAREWARDSTM Program
Max 250 Fuel Points(up to ₹5000) per (IXRP) membership. Redemption at participating
month in the first 6 months, Max 150 IndianOil Petrol Outlet by converting Fuel Points into
Fuel Points (up to ₹3000) post 6 months XRP (where 1 FP = ₹0.96
of card issuance 1 Fuel Point = 3 XtraRewards Point (XRP)
Max 100 Fuel Points(up to ₹2000) per 1 XRP = 0.32
month on Grocery and utility 1 Fuel Point = ₹0.96
Product Catalogue: 1 FP = ₹0.2
stmt credit: 1 FP = ₹0.2
Fuel Points are valid for a period of 2 years.

Max 500 Neu coins on UPI spends per

1 Neu Coin = ₹1
month
You can use your NeuCoins for purchases on Tata
Max 2000 Neu coins on utility payments,
Neu /Website for Brands
Grocery, Telecom, per month
 Max 500 Neu coins on UPI spends per
1 Neu Coin = ₹1
month
You can use your NeuCoins for purchases on Tata
Max 2000 Neu coins on utility payments,
Neu /Website for Brands
Grocery, Telecom, per month

Direct stmt credit

10%, 5%: up to ₹1500 per month
Cashback will be credited within 5 days after bill
1%: ₹500 per month
generation date

The cardholders can redeem their Marriott Bonvoy

points to book a stay at properties participating in
No Capping
Marriott Bonvoy, Marriott Bonvoy Moments
experiences, travel and more.
 Max 500 RP per month on UPI spends
1 RP = ₹1
Max 100 RP per month on IRCTC spends
The redemption against the train ticket booking at the
Redemption can be made only against
rate of 1 RP = ₹ 1 on HDFC Bank SmartBuy Reward
70% of the fare ticket amount on train
Points will lapse on expiry of two years from the date of
ticket booking via HDFC Bank SmartBuy
issuance.
Reward Points can be used only for
A minimum of 100 Points are needed to redeem
redemption against I train ticket
rewards
booking via HDFC Bank SmartBuy

1 6E Reward = ₹1.
6E Rewards earned in a calendar month will be
Grocery capping of 2000 RP / month transferred to your IndiGo account at the end of every
month. 6E Rewards will be posted in the Indigo account
in 60 days from the calendar month end.

Redeem as cashback against statement: 1 RP =Rs. 0.30

Redeem on SmartBuy (against Flights/Hotel booking):
Max 1,50,000 RP can be earned in a 1 RP = Rs. 1
statement cycle Redeem against Product Catalogue via Netbanking &
10X: 10000 RP per month, Insurance: SmartBuy: 1 RP = up to Rs.0.5
5000 RP / day, Utility, Telecom, Grocery: Airmiles conversion via Netbanking: 1 RP = 1 Airmile
2000 RP per month, and above 70% limit Redeem against Business Catalogue via Netbanking &
is also applicable. SmartBuy: 1 RP = up to Rs.1
A minimum of 2500 RP is needed to redeem Reward
Points against the statement balance.
 1000 RP cap on Grocery, utility, and
Education spends
5000 RP upper limit on insurance per
stmt cycle Flights & Hotels: 1 RP = ₹1
18000 RP capping on iShop portal Rewards catalogue: 1 RP = ₹0.6
Maximum purchase limit for Amazon stmt credit: 1 RP = ₹0.4
Pay and Flipkart vouchers to just
₹12,000 per month

5000 RP: Insurance, Govt, utilities,

Education
15000 RP capping on iShop Flights & Hotels, products & vouchers: 1 RP = ₹1
Maximum purchase limit for Amazon stmt credit: 1 RP = ₹0.4
Pay and Flipkart vouchers to just
₹12,000 per month

Products & vouchers:1 RP = ₹0.25

9000 RP capping on iShop
RP Redemption Charge: Rs. 99+GST

Products & vouchers:1 RP = ₹0.25

9000 RP capping on iShop
RP Redemption Charge: Rs. 99+GST

myCash# is equivalent to ₹1
No capping
added to MMT account
 No capping credited to Amazon pay balance

Products & vouchers:1 RP = ₹0.25

No capping
RP Redemption Charge: Rs. 99+GST

No capping Direct stmt credit

10000 RP upper cap on 5X category per Products & vouchers:1 RP = up to ₹0.25

month RP Redemption Charge: ₹99+GST

Products & vouchers:1 RP = up to ₹0.25

No capping stmt credit: 1 RP = ₹0.25
RP Redemption Charge: ₹99+GST
 4 Reward Point = ₹1
Instant Redemption of Reward Points at select BPCL
A cap of 2,500 RP for BPCL fuel txns is petrol pumps
Applicable. Redeem your Rewards Points at Shop & Smile Rewards
Catalogue

No capping

4 RP = ₹1 stmt credit, products & vouchers

No capping
RP Redemption fee: ₹ 99+GST

4 RP = ₹1 stmt credit, products & vouchers

No capping
RP Redemption fee: ₹ 99+GST

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption
 Online or In-store purchases
stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

No capping

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption
 Online or In-store purchases
stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

Online or In-store purchases

stmt credit, Gift cards & vouchers: 1 RP = ₹0.25
₹99+ GST for Reward Redemption

Grocery & utilities: 400 RP Max

IIDFC FIRST FASTag recharge: 200 RP
up to Txns of ₹5,000 per statement cycle
(Maximum 700 Rewards per
1 RP = ₹0.25
statement cycle)
1 Happ coin = ₹0.25
up to Txns of ₹10,000 per statement
cycle
(Maximum 600 Happy
Coins per month) HP Pay App

stmt credit 1 RP = ₹0.25

5X RP Capped at 5000 RP per month
5X RP Capped at 5000 RP/ month, upto stmt credit 1 RP = ₹0.25
Rs.500 savings on UPI

stmt credit 1 RP = ₹0.25

10 RP Capped at 2000 RP/ month

stmt credit 1 RP = ₹0.20

5 RP Capped at 1000 RP/ month

stmt credit 1 RP = ₹0.25

10 RP Capped at 2000 RP/ month

Fuel: 1 RP = ₹0.25
No capping

stmt credit 1 RP = ₹0.20

5 RP Capped at 1000 RP/ month
 Points/Miles: 1:1
50000 RP(12.5L spends) per month
Accor: 1 RP = 1.8
upper cap

Points/Miles: 1:1
Imagine vouchers: 1:1 (Apple products)
No Capping
Amazon/Flipkart at 1:0.5

10% category: up to ₹1000 per billing

Direct stmt credit
cycle

Points/Miles: 1:1
5X category: MAX 15000 RP in a year Accor: 1 RP = 1.8

SC 360 Rewards program

1 RP = ₹1
No Capping
Reward points will expire in 3 years
99+ GST for Reward Redemption
Hotels: maximum discount of ₹5,000 and SC 360 Rewards program
₹10,000 respectively, Flights: maximum 1 RP = ₹0.25
discount of ₹1,000 and ₹5,000 Reward points will expire in 3 years
respectively 99+ GST for Reward Redemption

Online : capped at ₹1,000 per month,

Direct stmt credit
Offline: capped at ₹500 per month

SC 360 Rewards program

1 RP = ₹0.25
up to 2000 RP per statement cycle
Reward points will expire in 3 years
99+ GST for Reward Redemption

SC 360 Rewards program

1 RP = ₹0.25
No Capping
Reward points will expire in 3 years
99+ GST for Reward Redemption

0.25% (stmt credit)

No capping on base points
0.25% (AMEXtravel)
we get up to 48000 MR points on
up to 1% (Vouchers)
completing both milestones
2% to 3% (AirMiles)
 Redeem your MR points for exclusive rewards from the
No capping on base points 18 Karat and 24 Karat Gold Collections, including
vouchers from Taj, Shoppers Stop, and more.

Redeem your MR points for exclusive rewards from the

No capping on base points 18 Karat and 24 Karat Gold Collections, including
vouchers from Taj, Shoppers Stop, and more.

capped at 500 points per month for 0.25% (stmt credit)

Flipkart & Amazon combined, 0.25% (AMEX travel)
500 points for Uber, and 250 points for up to 1% (Vouchers)
the 5x category

Max 2500(up to ₹875) can be redeemed stmt credit 1 RP = ₹0.35

per stmt cycle RP Redemption fee ₹149 + GST
 1 RP = ₹0.20
Instant redemption of Reward Points against restaurant
there should be a 2-hour time gap
bills for extra discount
between every txns for availing 25%
RP expire after1 year
discount at Restaurants
Eazy points have sep redemption option and cannot be
used for dining bills

Singapore Airlines: 2:1 (Krisflyer)

Statement Credit: 1:0.75
No Capping Indus Moments (dynamic value)
(Max 7500 RP can be redeemed per month)
RP Redemption fee ₹149 + GST

1 RP = 1.2 Airline Miles on Krisflyer (~Rs.1)

stmt credit: 1 RP = ₹0.40 (Max 5000 RP / month)
25,000 Points per month
Maximum 10,000 Reward Points can be redeemed
against KrisFlyer Miles in a calendar month.

1 YES Reward = ₹0.25 Flights/Hotel booking / GV

Max 1 Lakh rewards(₹25000) per month 0.9%: Airmiles Transfer
(up to ₹5.5 Lakh spends) ₹100+GST per redemption request
Max 1250 RP on utilities Convenience Fee on flight booking through rewards
points 99 plus GST
 1 YES Reward = ₹0.25 Flights/Hotel booking / GV
Max 36000 rewards(₹9000) per month 0.9%: Airmiles Transfer
(up to ₹3 Lakh spends) ₹100+GST per redemption request
Max 750 RP on utilities Convenience Fee on flight booking through rewards
points 99 plus GST

1 YES Reward = ₹0.25 Flights/Hotel booking / GV

Max 12000 rewards per month (up to ₹2
₹100+GST per redemption request
Lakh spends)
Convenience Fee on flight booking through rewards
Max 300 RP on utilities
points 99 plus GST

1 YES Reward = ₹0.25 Flights/Hotel booking / GV

Max 5000 rewards(₹1250) per month (up
₹100+GST per redemption request
to ₹1.25 Lakh spends)
Convenience Fee on flight booking through rewards
Max 150 RP on utilities
points 99 plus GST

1 YES Reward = ₹0.25 Flights/Hotel booking / GV

capped at 12000 Points(₹3000) per
₹100+GST per redemption request
statement on 8X
Convenience Fee on flight booking through rewards
Max 300 RP on utilities
points 99 plus GST
 1 Fuel point = Rs.0.5 for buying Xtra Rewards points
maximum 2,000 fuel points per month
redeemable at IndianOil Fuel Stations

No Capping (1 RP = up to ₹0.25)
Reward Redemption fee ₹99 + GST

MAX 1000 RP per month on 5X category

(1 RP = up to ₹0.25)
Reward Redemption fee ₹99 + GST

Max ₹750 per Txn on myntra spends stmt credit

 No capping IndiGo website1 RP = ₹1

4%: capped at 1200 Reward Points per

statement cycle
Vouchers & Recharges, Travel 1 RP = ₹0.25
2%: capped at 800 Reward Points per
statement cycle

Vouchers & Recharges, Travel 1 RP = ₹0.25

No capping
(2.5 RP = 1 kotak RP, 1Kotak RP = 25ps)

The reward points earned on all

transactions will be capped at 6,500 Vouchers & Recharges, Travel 1 Zen point = ₹0.25
points per billing cycle
 air tickets, 10 000 merchandise, mobile recharge and
Railway surcharge waiver: Max ₹500 in a more through easyrewardz by converting Privy League
year Credit Card points in to easy points.
1 RP = ₹0.25

(1 white pass = ₹1)

1% (on Exclusive white catalog)
0.7% (stmt credit)

No capping

(1 white pass = ₹1)

1% (on Exclusive white catalog)
0.7% (stmt credit)

Federal rewards: 1 RP = ₹0.25

The reward points are valid for 1 year from the date of
accrual
₹99+ GST for Reward Redemption

No Caping
 Federal rewards: 1 RP = ₹0.25
The reward points are valid for 1 year from the date of
No Caping
accrual
₹99+ GST for Reward Redemption

Federal rewards: 1 RP = ₹0.25

The reward points are valid for 1 year from the date of
accrual
₹99+ GST for Reward Redemption

You need to make a purchase in at least

3 categories. Further, A category wise
spends of ₹750 to unlock for 5X One card App: 1 RP = 10ps
consideration
Max 25000 RP per month

10% on utility bills: coins can be earned

up to ₹20000 in a month Travel Booking through scapia App
(1% conv fee if Txn amount exceeds 5 Scapia coins = ₹1
₹50000)
 Limited to 1% of the total credit limit. Cashback: 1 kiwi Point = ₹0.25

Max 15000 points (₹3000) can be earned

stmt credit: 1 RP = ₹0.20
per month
 Key Benefits Milestone Benefits

Welcome benefits
Insurance benefits None
No cash withdrawal fee

₹3L : 2500 Edge Miles (Silver)

₹7.5L : 2500 Edge Miles (Gold)
Welcome benefits ₹15L : 5000 Edge Miles (Platinum)
Intrnl Lounge Access with Guest visits
Tier based Benefits
dedicated Miles Transfer program
Renewal Benefit: up to 5000 Edge Miles (Only for
Gold & platinum Tier)

Welcome benefits
Renewal Benefit: 1500 Edge miles
None
Insurance Cover
Wednesday Delight*

Welcome Benefits
None

Welcome benefit
None
Wednesday Delight*
 None None

None None

Complimentary Sony LIV premium annual

Subscription*
up to ₹1000 off on AJIO on min order of ₹2999 on sel None
styles*
Wednesday De;ight*

Activation Benefit (300)*

None
Wednesday Deight*

Welcome Benefits
Renewal Benefit: 5000 Bonus RP
Golf (2 per Qtr) 1000 RP: ₹75000 spends (Monthly)
Airport Meet & Assist(1 per Qtr) Complimentary Taj Epicure Membership:
Dedicated Concierge Services ₹12L in a year
protection cover
ased on selected benefits.

500 RP: ₹50,000 in a calendar quarter

Dedicated Concierge Services Additional 1,000 RP: ₹1 lakh in a calendar
Comprehensive Protection Cover quarter
₹1000 voucher: ₹2.5L in a year
1000 RP on 1 Txn: Birthday Benefit

500 RP: ₹20,000 in a calendar quarter

None

Dedicated Concierge service ₹1000 voucher: ₹2 Lakh spends (Quarterly)

Priority customer service Complimentary Taj Epicure Membership: ₹8
Comprehensive protection cover Lakh in a year
2500 RP: Birthday Benefit

10% on Flight, Bus, & Hotel

PG charges are waived off twice per month on train
bookings (2-Ixigo trains, 2- Confirmed tickets)
Liability cover None
only vaild on Ixigo platform
Discounts on Flight, Hotel & Bus Bookings can be
availed once per month

Earn 5 coins on each UPI transaction made on AU

0101 App
None
card Liability cover
 Monthly Bonus: Double Reward Points (4
None per ₹100) on all retail spends made between
the 1st and 5th of each month.

None None

Monthly Bonus: 500 bonus RP on spending

₹5,000 between the 1st and 5th of each
month
None Annual Bonus: 5,000 bonus RP on spending
₹2.5 lakhs or more in the previous
anniversary year

Welcome Benefits
Renewal Benefits: 12500 RP on paying AF
Golf Privileges (unlimited)
Global Concierge Services
Complimentary Club Marriott Membership for first
year* None
Complimentary nights & buffet at participating ITC
hotels*
Zero Lost card liability
Insurance/Comprehensive protection cover
 Golf Privileges (6 per Qtr)
Global Concierge Services
Complimentary Annual memberships of Club
Marriott, Amazon Prime, Swiggy One as Welcome
Benefit on spending ₹ 1.5 Lakh within the first 90 10,000 Bonus RP on spends of ₹ 4 lahks
days of card issuance every calendar quarter
Credit liability cover
Global Personal Concierge
Insurance/Comprehensive protection

₹ 1,500 worth of vouchers on quarterly

Welcome Benefits
spends of ₹1.5 lakh
Concierge Services
₹ 5,000 worth of flight vouchers on annual
Zero Lost card liability
spends of ₹5 lakh
Insurance/Comprehensive protection
additional voucher of ₹5000 on spends of
₹7.5 lakh.

Welcome benefits
₹1,500 worth Marriott, Decathlon & more
Credit Liability Cover
vouchers on quarterly spends of ₹1.5 lakh
Insurance/Comprehensive protection
 welcome benefit Dreamfolks airport lounge access voucher
Get a 10% additional discount on Swiggy Dineout* (Or) ₹1000 voucher from the available list of
using coupon code HDFCCARDS Brands
​Zero lost card liability on spends of ₹1 lakh and above in each
calendar quarter

Welcome benefit
Get ₹500 gift voucher on spends on ₹50,000
Zero lost Card liability
per calendar quarter
Get 10% additional discount on Swiggy Dineout*
using coupon code HDFCCARDS

Zero lost card liability

None
 Virtual card with low joining/Annual fee
useful for Bank discounts None

Complimentary IndianOil XTRAREWARDSTM Program

(IXRP) membership
None
Zero Lost card liability

Zero lost card liability

None
Insurance Benefits
 Zero lost card liability
None
Insurance Benefits

Complimentary Swiggy One Membership for 3

months on card activation
None
Zero lost card liability
Mastercard Golf Benefits

1 Free Night Award and 10 Elite Night Credits on first

eligible spend transaction or fee levy on the card
Welcome benefit is provided on card renewal as well 1 Free Night Award on Eligible Spend of
post fee realization ₹ 6 lakhs in an Anniversary Year
Complimentary Marriott Bonvoy Silver Elite Status 1 Free Night Award on Eligible Spend of
Complimentary Golf Access 2 per quarter across the ₹ 9 lakhs in an Anniversary Year
world (Green Fee Waiver) 1 Free Night Award on Eligible Spend of
Zero Lost card liability ₹ 15 lakhs in an Anniversary Year
Insurance/Comprehensive protection
Concierge service
Diners Exclusive Offers
 Welcome Gift voucher
Gift voucher worth ₹500 on quarterly(every
IRCTC Executive Lounge Benefits
90 days from the issuance date) spends of
1% on UPI payments
₹30,000 or more.

1 Complimentary flight ticket voucher worth ₹ 3,000

on completing 3 transactions
None
Zero Lost card liability
Mastercard Offers & Benefits

Up to 55 days Interest Free Credit Period

Club Marriott Annual Membership + Taj Stay
SmartBuy BizDeals
voucher worth ₹ 5000 on spends of ₹ 1.5
Make GST, Advance Tax payments
lakhs within first 90 days
4% off on Flights and Hotels booking
Get a SmartBuy Flight / Taj Stay Voucher
Global Personal Concierge
worth ₹ 5000 on every ₹ 5 Lakhs spent. (On
complimentary golf games (6 per quarter)
all retail spends excluding rent and petrol)
Dining Benefits
Earn vouchers worth ₹ 20,000 in a calendar
Zero Lost card liability
year (₹ 20 Lakhs spent)
Business Insurance Benefit
 Welcome & Renewal Benefit: 12500 RP
Taj Epicure Membership with 1 Night Stay
Complimentary Games/Lessons: Unlimited
4 Lakh: ₹3000 EaseMytrip voucher
Cash Advance Fee: Nil
8 Lakh: ₹3000 EaseMytrip voucher
Late payment Fee: Nil
(can only be used for Flights)
Over-limit Fee: Nil
EazyDiner Prime Membership

Welcome & Renewal benefits

Comprehensive insurance coverage
Avis card Rental discounts
2 lakh: ₹10000 Klook Voucher
24x7 international and domestic concierge services
5 lakh: Airport Transfer (or)
1% Fuel Surcharge waiver upto ₹1000 per stmt
Heli ride
Zero cancellation charges on flight and hotel
10 lakh: ₹10000 Tata CLiQ Luxury
bookings: Txn has to be done on card, only 4/5 star
20 lakh: ₹20000 Ayatana Resorts
hotels, limited to max 2 incidents, up to ₹12,000 a
year, domestic bookings only.
Interflora ₹1000 voucher

welcome benefits
Golf Rounds (4, on spending ₹50,000 retail spends in
the previous calendar month)
None
concierge service
Insurance coverage
Culinary treats

welcome benefits
Golf Rounds (2, 1 round on spending ₹50,000 retail
None
spends in the previous calendar month)
Insurance coverage

Welcome and renewal Voucher

MMT Gold membership
3 months no-cost EMI on MakeMyTrip bookings None
Indulge in culinary delights with the ICICI Bank
Culinary Treats Programme
 welcome benefits None

2000 RP on spending ₹2 Lakh in a

membership year
Indulge in culinary delights with the ICICI Bank 1000 RP on every ₹1 Lakh spent after
Culinary Treats Programme crossing the ₹2 Lakh milestone above
Rupay UPI payments, ICICI instant discount offers Maximum 10000 bonus RP can be earned in
a year

None None

e-Vouchers worth ₹2,000 each on reaching

annual online spends of ₹1 Lakh and ₹2 Lakh
Welcome Benefit
respectively
e-Voucher Brand : Cleartrip / Yatra

Welcome Benefit None

 e Gift Vouchers worth Rs 2,000 from Aditya
Welcome Benefit
Birla Fashion Or Yatra Or Bata/Hush Puppies
complimentary Fraud Liability cover of 1 Lakh
on annual spends of ₹3 Lakhs

1k Pizza Hut e-Voucher will be sent to your

registered mobile number within 30 days of
Welcome benefits achieving spends of Rs. 50,000
5% on utility upto 750(max bill ₹15000/month) 7k For Yatra.com/ Pantaloons, you will
through SBI Card App auto pay setup receive an SMS to choose the e-Gift Voucher
option within 10 days of achieving spends of
Rs. 5 Lakhs

welcome benefits 10,000 bonus RP on achieving annual spends

Exclusive Concierge service of ₹3 lakhs and ₹4 lakhs
Earn 15,000 bonus RP on achieving annual
spends of ₹5 lakhs and ₹8 lakhs

Welcome Benefits
Free Trip cancellation cover (up to ₹50000)
10X RP per ₹150 spent on monthly spends
Golf benefits (2 Rounds/mon)
above ₹20000 and on ur birthday month
Accident and lost card liability
₹8 Lakhs: 7,500 RP (worth ₹1,875)
24/7 Road side assistance
₹15 Lakhs: 15,000 RP (worth ₹3,750)
interest free cash withdrawl
(Fee Rs.199+GST/Txn)
 Welcome Benefits
Free Trip cancellation cover (up to ₹25000)
10X RP per ₹150 spent on monthly spends
Golf benefits (2 Rounds/mon)
above ₹20000 and on ur birthday month
Accident and lost card liability
₹8 Lakhs: 7,500 RP (worth ₹1,875)
24/7 Road side assistance
interest free cash withdrawl
(Fee Rs.199+GST/Txn)

welcome benefits
Golf (2 rounds /mon)
Free Trip cancellation cover (up to ₹10000) 10X RP per ₹150 spent on monthly spends
Accident and lost card liability above ₹20000 and on ur birthday month
24/7 Road side assistance
interest free cash withdrawl
(Fee Rs.199+GST/Txn)

welcome benefits
Golf (1 rounds /mon)
Free Trip cancellation cover (up to ₹10000) 10X RP per ₹150 spent on monthly spends
Accident and lost card liability above ₹20000 and on ur birthday month
24/7 Road side assistance
interest free cash withdrawl
(Fee Rs.199+GST/Txn)

welcome benefits
Accident and lost card liability 10X RP per ₹150 spent on monthly spends
24/7 Road side assistance above ₹20000 and on ur birthday month
interest free cash withdrawl
(Fee Rs.199+GST/Txn)

welcome benefits
Accident and lost card liability 10X RP per ₹150 spent on monthly spends
24/7 Road side assistance above ₹20000 and on ur birthday month
interest free cash withdrawl
(Fee Rs.199+GST/Txn)
 FD backed credit card
No credit history and income proof required
100% of your fixed deposit value
0% forex fee
None
24/7 Road side assistance
interest free cash withdrawl
(Fee Rs.199+GST/Txn)
personal accident cover: ₹2 Lakh

Welcome Benefits
1000 Reward Points on
1st EMI conversion 200 RP on ₹5000
Complimentary 1 year lenskart Gold Max 300 RP on ₹10000
membership 1000 RP on ₹15000 spent in a billing cycle
Dominos: 20% off up to ₹80 400 RP on rent payments & utilities of at
twice a month least ₹20000 per month
EaseMyTrip: 10% instant discount once a month
assured offers on sel merchants throughout the year

welcome benefits
24/7 Road side assistance
None
interest-free cash withdrawal
(Fee Rs.199+GST/Txn)

Welcome Benefits
Insurance cover 10000 RP: ₹50000 in 60 days
Zero liability on lost card 20000 RP: ₹200000 in a year
 Welcome Benefits
Complimentary women's health package
None
Zero liability on lost card
Quarterly Discounts and memberships for women

Welcome Benefits
Insurance cover
None
Zero liability on lost card

Welcome Benefits
Insurance cover
None
Zero liability on lost card

Welcome Benefits
None

Joining Bonus
None

Welcome Benefits
None
Zero liability on lost card
 Welcome Benefits
discounts on sel merchants
15% on domestic and international holiday Bookings
at Yatra, EaseMyTrip, PayTM Travel and ClearTrip
4 complimentary rounds of golf and 12
complimentary lessons per calendar year (max 1 per 3,000 RP: ₹1 Lakh in the first 90 days
calendar month). Plus, get 50% off your green fees 10,000 RP: ₹12 Lakh in a year
for additional rounds.
up to USD20,000 purchase protection every year
up to 20% at select duty free stores in India.
Save when booking your getaway at StayVista

TAJ Epicure membership

Taj Experiences gift card worth ₹12,000 None
Complimentary EazyDiner Prime annual membership

Welcome benefits None

None
Zero liability for lost cards

Joining benefits
Renewal Benefit: 5000 RP on paying AF
None
Insurance Benefits
complimentary access to premier golf courses(4)
20% off on domestic and international hotel bookings
10% off on domestic and international flight bookings None
₹125 off on bus ticket bookings,

None None

4000 RP on AF payment None

None None

₹1.90 lakh: 15,000 MR points

redeemable for travel vouchers or a Flipkart
Welcome Gift
voucher worth over ₹4,500
Zero lost Card liability
₹4 lakh: 25,000 bonus MR points
TAJ Experiences e-Gift Cards worth ₹10,000
from TAJ
No Pre-set Spending Limit
Welcome Gift None
Zero lost Card liability

Welcome gift
1500 MR points on Rs.20000 in a month
Zero lost Card liability
This is an enrollment based benefit.

Welcome bonus
Rs. 500 voucher on spending: 1.2,1.8,2.4
Zero lost Card liability
Lakh

Insurance coverage None

Complimentary EazyDiner Prime membership every
year on paying AF
Up to 25% discount at participating restaurants
None
through the EazyDiner platform
2000 welcome bonus EazyPoints
Postcard Hotel stay voucher worth INR 5,000

Welcome benefits
Golf (1+1) / month None
0 MAB Exclusive savings account

Golf (1 round or 1 lesson per Qtr) None

Welcome benefits
Golf (1 round per month, waiver of 4 Green fee) None
Insurance Coverage
 Renewal benefits
Golf (1 lesson per year, waiver of 4 Green fee) None
Insurance Coverage

Golf (1 lesson per month, waiver of 4 Green fee)

None
Insurance Coverage

Insurance Coverage None

Golf (1 lesson per month, waiver of 4 Green fee)

None
Insurance Coverage
 Welcome Benefit 1,000 fuel points on quarterly spends of
₹75,000

Welcome Gift
Travel Insurance
24*7 Concierge Desk
10000 RP: ₹2.5 Lakh
Golf (1 lesson per month, waiver of 4 Green fee)
15000 RP: ₹5 Lakh
Rejoice 50% discounted green fee beyond 4
₹10000 voucher: ₹7.5 Lakh
complimentary rounds.

Welcome Benefit
NCMC card
None

Two complimentary PVR movie tickets per

None quarter on spending ₹50,000 or more in that
quarter
₹150 discount on convenience fees for IndiGo flight
None
bookings
A complimentary IndiGo air ticket worth ₹3,000

Joining Benefits
Personal Accident Insurance
None
Concierge services
Railway Surcharge Waiver

Up to 8X reward points for annual spends

Railway Surcharge Waiver
over ₹2 lakh across all categories

Welcome Gift 7500 Zen points: ₹3 Lakh

Railway Surcharge Waiver 15000 Zen points: ₹6 Lakh
 Welcome Gift
spend min 1000 every month: Get 6400 RP
Railway Surcharge Waiver
every quarter
Concierge service

₹3L: 5000 WP
₹10L: 15000 WP
Welcome Benefits
₹20L: 22000 WP
Club Marriott Membership
₹30L: 24000 WP
Golf ( 2 rounds/month)
₹40L: 26000 WP
Concierge services
₹50L: 28000 WP
Railway surcharge waiver
₹75L: 63000 WP
₹100L: 67000 WP

₹2L: 2000 WP
Welcome Benefits
₹4L: 4000 WP
Golf ( 2 rounds/month)
₹6L: 6000 WP
Concierge services
₹9L: 7000 WP
Railway surcharge waiver
₹12L: 8000 WP

Welcome Benefit
Insurance Benefit None
Golf (only for MC network cardholders)
 Welcome Benefit
None
Insurance Benefit

Welcome Benefit
None
Insurance Benefit

None None

Unlimited Lounge access with min spend condition None

 with Neon subscription:
Milestones:
Spend Rs 50,000 to earn 3% cashback + 1
airport lounge access.
Spend Rs 1,00,000 to earn 4% cashback + 1
airport lounge access.
Spend Rs 1,50,000 to earn 5% cashback + 1
airport lounge access.
Virtual card
LTF
Free Neon Subscription

None None
 AirMiles / Travel /Hotels Base RR Online Shopping

Travel Edge: 12% up to ₹2L

1.2% up to ₹1.5L
7% above ₹2L up to 2.4%
7% above ₹1.5L

Edge rewards portal: 5% - Direct

Redemption,
Travel Edge/Airline/Hotel spends 4%
up to 4%
(POINTS TRANSFER): 10%
Accor: 7.2 to 18%

Edge rewards portal: 5% - Direct

Redemption,
Travel Edge/Airline (POINTS 2.00% up to 2%
TRANSFER): up to 5%

0.67% 0.67% 0.67%

5% on cleartrip 5% on Flipkart
1.00%
1% others 1% on others
1.50% 1.50% 1.50%

1.00% 1.00% 1.00%

0.40% 0.40% 0.40

0.1%
0.10% 0.10%

2%
1% 1%
 depends on ur plan 0.25%

0.50%

0.5%
0.5%,
2.125% on crossing 20k spends in a 0.5%
1.125% on crossing 20k spends in a
month 1.125% on crossing ₹ 20k spends in a month
month

1.25% 1.25% 1.25%

10% using the Ixigo App/website

1.25% on other sites/Apps
2.5% on train bookings via Ixigo
1.25% on other sites/Apps
0.625%
1.25%

1% 1% 1%
 0.5%
0.50% to 1.00% upto 1

upto 3% 1%: above ₹7,500 upto 3%

1%: without Bonus

2.00%: without Bonus 2.00%: without Bonus
3.5%: with Bonus
4.5%: with Bonus 4.5%: with Bonus

up to 33.33% on Hotel bookings/stays

through the SmartBuy portal
up to 16.66% on Flight/Bus bookings
through the SmartBuy portal up to 3.33%
up to 12% Return on Miles transfer
9.99% on Train Bookings through
Smartbuy

up to 33.33% via SmartBuy

up to 16.66%: Gift vouchers,
products via SmartBuy
upto 3.33%: other online
shopping sites / Apps
 up to 33.33% via SmartBuy
up to 16.66%: Gift vouchers,
products via SmartBuy
upto 3.33%: other online
shopping sites / Apps

up to 33.33% on Hotel bookings/stays

through the SmartBuy portal up to 3.33%
up to 16.66% on Flight/Bus bookings
through the SmartBuy portal
up to 12% Return on Miles transfer
9.99% on Train Bookings through
Smartbuy

0.54% (Stmt Credit)

0.93% (Products & Vouchers via 1.33% (1X) other platforms
1.33% (Flights/Hotels via smartbuy& SmartBuy) 6.66% (5X) specific platforms
Airmiles conversion) the RR may 1.33% (Flights/Hotels via smart buy)
further Increase if Milestones achieved 1.73% (Gold Catalog

up to 13.33% on booking through the 0.53% (Statement Credit)

SmartBuy portal, 0.93% (SmartBuy Catalogue)
upto 13.33% via SmartBuy
up to 6% Return on Miles transfer, and 1.33% (Flights/Hotels/Dining
1.33% (1X) other platforms
4% on Train Bookings through Catalogue via smartbuy)
Smartbuy
 1%: (Cashback) 5% on sel Partner brands
5% via smartbuy
0.3%: (Product Catalogue, AirMiles) 1% on other shopping
1%: other sites / Apps
platforms

3.33% on selected Partners

0.33% 0.33% 0.33% on other shopping
platforms

5% 1.00% 3%
 0.25% 0.25% 0.25%

0.64% 0.64% 0.64%

upto 10%: TATA brands

5%: Air India
1.50% 1.5%: other sites/Apps
1.5%: other Airlines
 2%: Air India upto 7%: TATA brands
1%: other Airlines 1.00% 1%: other sites/Apps

5.00% 1.00% 5.00%

1.33%: Travel spends

2.68%: Mariot spends
0.67% 0.67%
4 to 5%: incl stay vouchers
(1 MB point = ₹0.5 to ₹0.75)
up to 10% on train tkts bookings via
SmartBuy 1.00% 1.00
5% via IRCTC Site / App

5%: Indigo website / App 2.00% 2.00

up to 33.33% on booking through the 1.00% (Statement Credit)

SmartBuy portal, 3..33% (flights/hotels via SmartBuy)
up to 12% Return on Miles transfer, 3.33%
and 10% on Train Bookings through
Smartbuy
 18% on Gift Vouchers via
36%: Hotel Bookings(iShop) iShop
18%: Bus, Flights, Gift vouchers(iShop) 3% 3.75% if the milestone is
3.75% if the milestone is achieved achieved
3% if not

24%: Hotel Bookings(iShop) 12% on Gift Vouchers via

2%
12%: Bus, Flights, Gift vouchers(iShop) iShop
2.00% on other platforms 2% on all other platforms

6%: Hotel Bookings(iShop)

0.5% 3% on Gift Vouchers via iShop
3%: Bus, Flights, Gift vouchers(iShop)
0.50% on all other platforms
0.50% on other platforms

6%: Hotel Bookings(iShop)

0.5% 3% on Gift Vouchers via iShop
3%: Bus, Flights, Gift vouchers(iShop)
0.50% on all other platforms
0.50% on other platforms

up to 6% through MMT
1.00% 4% on Gift Vouchers via iShop
1% on other Platforms
1% on all other platforms
4% via iShop
 5% on Amazon for prime
5%: Flight & Hotel bookings through
membs and 3% for non prime
Amazon
1.00% mebs
4% via Ishop
4% via Ishop
1% other platforms
1% on other sites/Apps

0.50%

5% 1% 5%

1.25%
1.25% to 4.5% if we spend on
1.25% 0.25%
partner brands and achieve
milestones

0.16%
 0.25% 0.25% 0.25

2.5% - Chemist, Pharmacy, Sports, Dining and Movies spend

0.50% 0.50% 0.50%

0.5%
0.50% 0.50%

0.83%
above 20k:1.66%, below 20k: 0.83% above 20k:1.66%, below 20k: 0
 0.83%
above 20k:1.66%, below 20k: 0.83% above 20k:1.66%, below 20k: 0

0.5
above 20k:1.66%, below 20k: 0.5% above 20k:1.66%, below 20k:
 0.67%

Max Return : 1.67% , Min Return: 1%,

1% Max Return : 1.67% , Min Return: 1%, 0% Retu
0% Return for spends below 5k and
spends ab
0.5% Return for spends above 20k,

0.33% 0.33% 0.33%

3.75% 0.75% 3.75%

3.75% 0.75% 3.75%

2.50% 0.50% 0.50%

0.20% 0.20% 1.00%

1.00% 1.00% 2.50%

0.33% 0.33% 0.33%

0.20%
4% to 7.2% 2.00% up to 3.6%

upto 3% 3.00% 3.00%

1.50% 1.50% 1.50

0.67% 0.27% to 0.47% upto 0

3.30% 3.30% 3.30

 upto 25% through EaseMyTrip
App/website, 2.5% on booking Flights
0.50% 0.50
& hotels through other Apps /
Websites

2.00% 1.00% 2.00%

up to 2% ab
1.00% 1.00%
1% belo

0.25% 0.25% 0.25

Upto 12% MR/MB Points(2% base)/6%

(1% base) Airmiles in bonus on
spending 4L (total, across all
categories) in a year. Also get taj up to 7.5% as a Flipkart
voucher worth of Rs. 10,000 voucher
up to 5.14% as an Amazon
2.00% pay voucher
5.5% on other spends
up to 12.3%: 3X on Reward
Multiplier
( on reaching 4L Milestone)
 up to 13.5% on 72k spe
Up to 13.5% up to 2%
up to 17.5% on 72k sp
(assuming 1 MR

up to 7.25% on 2.4L spends (Non R

up to 13.5% on 72k spends (Non R
Up to 13.5%
up to 2% up to 8.25% on 2.4L spends (RM
up to 14.5% on 72k spends (RM
(assuming 1 MR point = 50p

up to 10% on specified
1.00% 1.00% Apps/sites
1% on all other platforms

0.35 0.35 0.35%

 0.80% 0.80% 2.00%

1.13% 0.52% 1.88%

0.4% (stmt credit)

0.4% 0.4%
1.3% on spending 6L
1.2 (Airmiles)

4.5%: Flights/Hotel booking

1.8%: Airmiles Transfer
On Booking flights and hotels you can
2.25%: Flights/Hotel booking / GV 4.5%: Flights/Hotel booking / GV
redeem upto 70% of the total invoice
0.9%: Airmiles Transfer 1.8%: AirMiles Transfer
value or 3,00,000 YES Rewardz points,
whichever is lower, in a calendar
month
 3%: Flights/Hotel booking
On Booking flights and hotels you can
redeem upto 70% of the total invoice
1.5%: Flights/Hotel booking / GV 3%: Flights/Hotel booking / GV
value or 2,00,000 YES Rewardz points,
whichever is lower, in a calendar
month

1.5%: Flights/Hotel booking

On Booking flights and hotels you can
redeem upto 70% of the total invoice 0.75%: Flights/Hotel booking / GV 1.5%: Flights/Hotel booking / GV
value or 1,00,000 YES Rewardz points,
whichever is lower, in a calendar
month

1%: Flights/Hotel booking / GV 0.5%: Flights/Hotel booking / GV 1%: Flights/Hotel booking / GV

2%: Flights/Hotel booking

On Booking flights and hotels you can
redeem upto 70% of the total invoice 1%: Flights/Hotel booking / GV 2%: Flights/Hotel booking / GV
value or 1,00,000 YES Rewardz points,
whichever is lower, in a calendar
month
 1.00% 1.00% 1.00%

0.50%: up to ₹ 2.5 Lakh

1.50%: if ₹ 2.5 Lakh Milestone
1.25%: up to ₹ 2.5 Lakh reached
2.25%: if ₹ 2.5 Lakh Milestone reached 1.75%: if ₹ 5 Lakh Milestone is
2.5%: if ₹ 5 Lakh Milestone is reached reached
2.67% if ₹ 7.5 Lakh Milestone is 0.50
3.41% if ₹ 7.5 Lakh Milestone is
reached reached

0.25% 0.25% 0.25

5%: cleartrip 7.5%: Myntra

1.25%
1.25%: Other platforms 1.25%: others
 5%: IndiGo
2.00% 2.00
2%: Other platforms

0.50% 0.50% 0.50

0.50% 0.27% 0.27

0.83% 0.83% 1.67%

 1.25% 0.50% up to 1.25%

1% (on Exclusive white catalog)

up to 2% on 10L spends in a year
0.7% (stmt credit)

1% (on Exclusive white catalog)

up to 2.25% on 12L spends in a year
0.7% (stmt credit)

0.75% 0% 0.25
 0.20% 0% 0.20%

0.16% 0% 0.16

0.2%
0.20% up to 1

4% on Bookings via Scapia App

2% via other platforms 2.00% 2.00
 0.5% 0.5%
up to 5% with Neon

up to 2% depending on sel category 0.40% up to 2% dependin

 Features of the card and Reward rate

Online Txns Offline Txns Utility Bill payments Movie Tickets Food & Dining

30% Off through

up to 2.4%
EZD

25% Off through

up to 4% EZD upto 800 on
min order of 2500

NA

25% Off through

up to 2% 0.00% EZD upto 800 on
min order of 2500

30% Off on zomato

(min order of
0.67%
₹200) twice a
month

15% Off through

1.00% 1.00% 4% on PVR
EZD upto 500 on
 5% via Gpay,
1.50% Conv Fee: 1.18%, Net 4% on swiggy
return: 3.82%

NA

25% on Airtel
prepaid, postpaid,
wifi, DTH
10% on Swiggy &
1.00% 10% on Other Bills
Zomato*
(Gas, water,
Electricity) through
Airtel thanks App

100% off on 2nd 40% off up to

0.40% tkt upto ₹200 in ₹120 on Swiggy on
Distict App min order of ₹500

40% off upto 120

5% Off upto 150 on
on Zomato on min
0.10% min Txn of 299 10% off on District
order of ₹200
through paytm
twice a month

up to 4 BOGO tkts
1% upto ₹500 4 times 2%
a Qtr
 2.5% up to ₹1000 per
Txn 0.50%
0.5% above ₹1000

NA

0.5%
1.5%
0.5% 1.125% on crossing
1.3% on crossing ₹20k up to 1.3%
ing ₹ 20k spends in a month ₹20k spends in a
spends in a month
month

1.25% 0.25% NA 4.00%

1.25% 0.63% 0.25% NA 0.63%

1% 1%
 upto 1.00% 3.75%

upto 3% 1.00% NA upto 3%

2.00%: without
%: without Bonus 1%: without Bonus, 1%: without Bonus
Bonus, 4.5%: with NA
%: with Bonus 3.5%: with Bonus 3.5%: with Bonus
Bonus

upto 3.33%

up to 3.33% NA
up to 3.33% NA

6.66%

7.5% off via swiggy

Up to 1.33% NA
dineout

BOGO upto ₹250

Dining Catalogue
on weekend
up to 1.33% 20% off via swiggy
movies on MBS
dineout
twice a month
 20% via swiggy
1% 5% off on BMS
dineout

20% via swiggy

0.33% NA
dineout

25% via swiggy

1% 5.00%
dineout
0.25% 0.50% NA 0.75%

0.64% 4.50% 0.64%

5%: TATA Pay

1.50% 1.5%: other 1.50%
platforms
 5%: TATA Pay
1.00% 1.00%
1%: other platforms

1.00% 1.00% 1.00% NA 10% via swiggy

0.67% 0.67% 0.67% 1.33%

 1.00% 1.00%

2.00% 3.00%

*up to 33.33% on
3.33% Business spends and NA 3.33%
Tax payments*
 BOGO upto 750 on
movies & event EZD prime
3.00% upto 3%
tkts on BMS twice membership
a month

2.00% 2.00% NA 2.00%

BOGO upto ₹ 500

0.50% 0.25% 0.50%
twice a month

25% off on 2nd tkt

0.25% up to ₹ 150 twice a 0.50%
0.50%
month

25% off on 2nd tkt

1.00% up to ₹ 150 twice a 1.00%
0.50%
month
 2% through Amazon
4% on Gift Vouchers via iShop pay, 15% at sel
NA
1% 1% through other Restaurants
platforms

25% off upto 100 in

15% at sel
0.25% BMS once per
Restaurants
month

5%: online
5% or 1% 1.00% 0.00% NA
1% offline

1.25% 0.25% 0.25% 2.5% on BMS 1.25%

NA NA 1.67%
 0.25% NA 2.50%

orts, Dining and Movies spends 0.5% on all other spends, redeem RP for paying CC Bill

0.50% 0.50% NA 2.50%

2 free Tkts upto

2.5% (4.25% on spending around 5L on
0.50% 0.50% ₹250 each per
Grocery, dining etc)
month on BMS

BOGO upto ₹500

on movies tkts on
BMS twice a month

above 20k:1.66%, below 20k: 0.83% above 20k:1.66%, below 20k: 0.83%
above 20k:1.66%, below 20k: 0.83% above 20k:1.66%, below 20k: 0.83%

BOGO upto ₹400

on movies tkts on
BMS twice a month

BOGO upto 250 on

movies tkts
onDistrict twice a
month

0.17%

BOGO upto 125 on

movies tkts on
District twice a
month

above 20k:1.66%, below 20k: 0.5% above 20k:1.66%, below 20k: 0.5%

BOGO upto 100 on

movies tkts on
District once a
month
 50% off up to up to
Rs.300 on BMS
0.17% 0.67%
(VISA Infinite offer)
Limited Quota

BOGO upto 100 on

10% off upto 100
7% , Min Return: 1%, 0% Return for spends below 5k and 0.5% Return for movies tkts on
on zomato twice a
spends above 20k District once a
month
month

BOGO upto 100 on

movies tkts on
0.33% 2.50% NA
District once a
month

BOGO upto 250 on

movies tkts on
District once a
month

3.75% 0.75% 3.75%

3.75% 0.75% 3.75%

NA

0.50% NA 2.50%

1.00% 0.20% 0.00% NA 1.00%

1.00% NA 2.50%

0.33% 0.33% 0.33%

1.00% 0.20%
 2 tkts for 1 up to
up to 3.6% 0.00% ₹200 twice a 10% off on Zomato
month

BOGO up to ₹750 30% off up to

3% (up to 1 Lakh
on weekdays ₹1250 on min Txn
3.00% spends per month)
through BMS, of ₹2500 through
Twice a month EZD

1.50% NA 10% off online & Offline

BOGO up to ₹250
on weekdays
upto 0.67% upto 0.67%
through BMS, once
a month

50% off on 2 tkts

upto ₹500
3.30% 3.33%
VISA Infinite offer
(Limited Quota)
 0.50% 0.50%

2.00% 1.00% 2.00% Online: 2%, Offline: 1%

NA

up to 2% above 20k up to 2% above 20k

1% below 20k 1% below 20k

0.25% 1.25%

Upto 10% MR/MB Points(2% base)/6% 0% (counted for 20% at sel

(1% base) Airmiles in bonus on spending Milestone) Restaurants
4L (total, across all categories) in a year.

NA
 up to 13.5% on 72k spends (Non RM spends) 20% at sel
NA
up to 17.5% on 72k spends (RM Spends) Restaurants
(assuming 1 MR point = 50ps)

7.25% on 2.4L spends (Non RM spends)

o 13.5% on 72k spends (Non RM spends)
0% (counted for 20% at sel
to 8.25% on 2.4L spends (RM spends)
Milestone) Restaurants
to 14.5% on 72k spends (RM Spends)
(assuming 1 MR point = 50ps)

1.00% 0.00% up to 10% up to 10%

0.35% 0.25% NA 0.35%

 up to 50% off on
sel prime
2 Free Tkts worth
Restaurants, up to
2.00% 0.80% ₹400 each on BMS
₹1000 off on
once a month
paying through
PayEazy,

BOGO up to ₹200
1.88% 0.00% on BMS once a 1.88%
month

1 complimentary
0.4% movie ticket (up to 0.4%
₹500) every 6
months on BMS

2.25%: Flights/Hotel BOGO up to 3 tkts

1.25%
hts/Hotel booking / GV booking / GV of ₹800 each
up to ₹25000 spends up to 4.5%
AirMiles Transfer 0.9%: Airmiles through BMS,
per month
Transfer Thrice a month
 0.75% 25% off up to ₹250
1.5%: Flights/Hotel
s/Hotel booking / GV up to ₹25000 spends through BMS, once up to 3%
booking / GV
per month a month

0.75%: Flights/Hotel 0.5% 25% off up to ₹250

hts/Hotel booking / GV
booking / GV up to ₹25000 spends through BMS, once up to 1.5%
per month a month

0.5%: Flights/Hotel 0.25%

s/Hotel booking / GV
booking / GV up to ₹25000 spends up to 1%
per month

NA

0.5%
s/Hotel booking / GV
1% up to ₹25000 spends up to 2%
per month
1.00% 0.00% NA 1.00%

0.50% NA 0.50%

10% off on BMS 10

0.25% 0.25%
times a year

5%: Swiggy
1.25% 5% PVR
1.25%: others
2.00% 3.00%

0.50% NA 2.00%

0.27% 0.50%

0.83% 0.83%

NA
 NA

0.50% 1.25%

Up to 2% on 10L Milestone
up to 1.67% on 3L Milestone

Up to 2.25% on 12L Milestone

up to 1% on 2L Milestone

BOGO upto 400 on

0.25% movies tkts on
BMS once a month

up to 15% off at
partner hotels
 BOGO upto 200 on
up to 15% off at
0.20% 0.40% movies tkts on
partner hotels
BMS once a Month

BOGO upto 100 on

movies tkts on
0.16%
BMS once a
Quarter

up to 1.00% up to 1.00%

2.00% 2.00%

NA
 NA

% 0.5%
0.00%
ith Neon up to 5% with Neon

up to 2% depending on sel category up to 2% depending on sel category

 Fuel Surcharge Mark-up Fee
Grocery / Dept Stores Fuel International Txns
waiver Incl GST

1%
Txn between: 400-
2.40% 2.36% 0.04%
4000
Max Cap: ₹400 / mon

1%
Txn between: 400-
up to 4.00% 0.00% -0.13%
4000
Max Cap: ₹400 / mon

1%
Txn between: 400-
up to 2% -2.13%
5000
Max Cap: ₹400 / mon

1%
1.33% 4.00% unlimited only at -3.46
IOCL outlets

1%
Txn between: 400-
10% via flipkart -3.13%
4000
Max Cap: 400 / mon

4.13%
 4.13%

1%
Txn between: 400-
1.50% -2.63%
4000
Max Cap: ₹500 / mon

1%
Txn between: 400-
10% Bigbasket* 0.00% 4000 -3.13%
Max Cap: ₹400 /
mon"

1%
Txn between: 400-
0.40% -3.73%
4000
Max Cap: ₹400 / mon

10% off on Blinkit up to

₹250 off on min order NA -4.03%
of ₹750 once a month

1% up to ₹1000 per
1% 0.00% 1.17% 0.83%
stmt cycle
 depends on ur plan

1%
Txn between: 400-
1.00% -3.63%
5000
Max Cap: ₹250 / mon

4.13%

1%
Txn between: 400-
up to 1.3% -3.63%
5000
Max Cap: ₹150 / mon

1% up to Rs.1000 per
2.50% 2.35% -1.10%
month

1%
Txn between: 400-
0.625% / 1.25% 0.00% 0.00%
5000
Max Cap: ₹250 / mon

0.00%
1%
Txn between: 400-
1% -3.13
5000
Max Cap: ₹100 / mon
 1%
Txn between: 400-
3.75% -3.63%
5000
Max Cap: ₹100 / mon

4.13%

1%
Txn between: 400-
upto 3% -3.13%
5000
Max Cap: ₹100 / mon

1%
1%: without Bonus Txn between: 400-
-3.05%
3.5%: with Bonus 5000
Max Cap: ₹250 / mon

1% to 2.5%
Txn between: 400-
100000
Max Cap: ₹1000 /
mon

up to 3.33% 0.97%
up to 3.33% 0.97%

0.00% 2.36%
NA

upto 1.33% NA -1.03%

up to 6.66% NA -2.80%
 1%
Txn between: 400-
up to 5% -3.13%
5000
Max Cap: ₹250 / mon

4.13%

1%
Txn between: 400-
0.33% -3.80%
5000
Max Cap: ₹250 / mon

0.00%

5.00% NA -3.13%
0.75% NA NA

1% at Indian Oil
outlets
4.50% 4.50% Txn between: 400- 4.13% -3.49
5000
Max Cap: ₹250 / mon

1%
10%: TATA Brands Txn between: 400 -
2.36% -0.86
1.5%: others 5000
Max Cap: ₹500 / mon
 1%
Txn between: 400-
7%: TATA Brands
5000 -3.13
1%: others
Max Cap: ₹250 /
mon"

10% via swiggy NA -3.13

0.00% 4.13%

0.67% NA -3.46
 1%
Txn between: 400-
1.00% -3.13
5000
Max Cap: ₹250 / mon

3.00% NA 2.95% -0.95%

3.33% 0.00% NA 4.13% -0.80%

 1%
Txn between: 400-
up to 3% 0.00% 4000 2.36% 0.64%
Max Cap: ₹1000 /
month

1%
Txn between: 400-
2.00% 0.00% 4000 1.76% 0.74%
Max Cap: ₹1000 /
month

1%
Txn between: 400-
0.50% 0.00% 4.13% -3.13%
4000

1%
Txn between: 400-
0.50% 0.00% 4.13% -3.13%
4000

1%
Txn between: 400-
1.00% 0.00% 1.17% -0.17%
4000
 1%
5% - Amzon Fresh, Txn between: 400-
0.00% 4.13% -3.13%
1% other platforms 4000

1%
Txn between: 400-
0.50% 0.00% 5000 4.13% -3.63%
Max Cap: ₹250 /
month

1%
Txn between: 500-
5%: online
3000 -3.13%
1% offline
Max Cap: ₹100 /
month

1%
Txn between: 500-
1.25% 0.00% 3000 -2.88%
Max Cap: ₹100 /
month

4.13%

1%
Txn between: 500-
1.67% 3000 -3.97%
Max Cap: ₹100 /
month
 1%
up to 4000 Txn amt
2.50% 6.25% -3.88%
Max Cap: ₹100 /
month

0.00% 4.13% -4.13%

1%
Txn between: 500-
2.50% 0.00% 4000 4.13% -3.63%
Max Cap: ₹250 /
month

1%
Txn between: 500-
(4.25% on spending around 5L on
0.00% 4000 2.35% -1.85%
Grocery, dining etc)
Max Cap: ₹250 /
month

1%
Txn between: 200-
5000 0.00% upto 1.66%
Max Cap: ₹300 /
month

ve 20k:1.66%, below 20k: 0.83%

ve 20k:1.66%, below 20k: 0.83%

1%
Txn between: 200-
5000 1.18% upto 0.48%
Max Cap: ₹300 /
month

1%
Txn between: 200-
5000 1.78% -1.28%
Max Cap: ₹300 /
month

1%
Txn between: 200-
5000 2.35% -1.84%
Max Cap: ₹300 /
month

ove 20k:1.66%, below 20k: 0.5%

0.00%
1%
Txn between: 200-
5000 4.13% -3.63%
Max Cap: ₹200 /
month

"1%
Txn between: 200-
5000 4.13% -3.63%
Max Cap: ₹200 /
month"
 1%
Txn between: 200-
0.67% 5000 0.00% 0.67%
Max Cap: ₹200 /
mont₹h

1%
Txn between: 200-
upto 1.67% 5000 4.13% -3.13%
Max Cap: ₹200 /
month

1%
Txn between: 200-
2.50% 5.00% 4.13% -3.80%
5000

1%
Txn between: 400-
5000
Max Cap: ₹250 /
month

3.75% 2.36% -1.11%

3.75% 2.36% -1.11%

1%
Txn between: 400-
5000
Max Cap: ₹250 /
month

1%
Txn between: 400-
1.25% 0.00% 5000 -1.63%
Max Cap: ₹250 /
month

1%
Txn between: 400-
0.20% 5000 -3.93%
Max Cap: ₹250 /
month

1%
Txn between: 400-
2.50% 5000 4.13% -3.13%
Max Cap: ₹250 /
month

1%
Txn between: 400-
1.67% 4.00% 5000 -3.80%
only at HPCL

1%
Txn between: 400-
1.00% 0.00% 5000 -3.93%
Max Cap: ₹250 /
month
 1%
Txn between: 400-
4.00% 0.00% 5000 4.13% -0.13%
Max Cap: ₹250 /
month

1%
Txn between: 400-
3.00% 0.00% 1.17% 1.83%
4000

1%
Txn between: 400-
10% off online & Offline 4.13% -2.63%
4000

1%
Txn between: 400-
upto 0.67% 0.00% 5000 4.13% -3.66%
Max Cap: ₹250 /
month

1%
Txn between: 400-
3.33% 3.33% 5000 2.36% 0.94%
Max Cap: 1000 /
month
 0.50% 1.00% -3.63%

4.13%

Online: 2%, Offline: 1% 0.00% 0.00% -2.13%

1%
Txn between: 400-
up to 2% above 20k
2000 -3.13%
1% below 20k
Max Cap: ₹400 /
month

4.13%

0.25% 1.25% 1.00% -3.88%

0%
1%
(counted
up to 12% up to Rs.5000 Txn 4.13% up to 6% approx
for
value at HPCL
Milestone)
 up to 13.5
1%
(countedd
up to 14% up to Rs.5000 Txn 4.13% up to 9% approx
for
value at HPCL
Milestone)

0%
1%
(counted
up to 14% up to Rs.5000 Txn 4.13% up to 9% approx
for
value at HPCL
Milestone)

1% above Rs.5000
1.00% 0.00% 4.13% -3.13%
Txns at HPCL

1%
Txn between: 400-
0.35% 0.00% 4000 -3.43%
No capping
 1%
Txn between: 500-
0.80% 0.00% 3000 4.13% -3.33%
Max Rs.250 / month

1%
Txn between: 500-
1.88% 0.00% 4000 -2.25%
Max Rs.500 / month

1%
Txn between: 400-
0.4%
4000 1.77% -1.37%
No capping

1%
Txn between: 400-
up to 4.5% 5000 1.18% 1.07% or 3.32
Max Cap: ₹1000 /
month
 1%
Txn between: 400-
up to 3% 5000 2.06% 0.94% or -0.81%
Max Cap: ₹500 /
month

1%
Txn between: 400-
up to 1.5% 0.00% 5000 3.24% -1.74%
Max Cap: ₹125 /
month

1%
Txn between: 400-
up to 1% 5000 3.24% -2.24%
Max Cap: ₹100 /
month

1%
Txn between: 400-
up to 2% 5000 2.06% -0.06%
Max Cap: ₹250 /
month
 1%
Txn between: 100-
1.00% 7.50% 5000 4.13% -3.13%
Max Cap: ₹200 /
month

1%
Txn between: 500-
0.50% 0.00% 4000 0.00% 0.00%
Max Cap: ₹250 /
month

1%
Txn between: 500-
5.00% 0.00% 4000 4.13% -3.88%
Max Cap: ₹100 /
month

1%
Txn between: 300-
5%: Swiggy Instamart
3000 4.13% -2.88%
1.25%: others
Max Cap: ₹3500 /
year

0.00%
 0.00%

3.00% 1.00% 4.13% -2.13%

1%
Txn between: 100-
2.00% 4.00% 5000 -3.63%
Max Cap: ₹100 /
month

1%
Txn between: 500-
0.50% 0.00% 3000 4.13% -3.86%
Max Cap: ₹35000 /
year

1%
Txn between: 500-
0.83% 3000 -3.33%
Max Cap: ₹35000 /
year
 1%
Txn between: 500-
1.25% 3000 4.13% -2.88%
Max Cap: ₹45000 /
year

NA

1.00% 2.36% -0.36%

1.00% up to 2.25%

1% Txn between:
0.25% 0.00% 400- 5000 2.36% -1.61%
Max Cap: ₹150 / mon
 1% Txn between:
0.20% 0.60% 400- 5000 4.13% -3.93%
Max Cap: ₹150 / mon

1% Txn between:
0.16% 0.16% 400- 5000 4.13% -3.97%
Max: ₹150 / mon

1% up to 5000
up to 1.00% 1.18% -0.98%
Max ₹400

1% up to Txn of
2.00% Rs.5000 0.00% 0.00%
Max ₹400

0.00%
 0.00%

0.5%
1.00% -3.63
up to 5% with Neon

4.13%

1% to 2.5%
Txn between: 400-
o 2% depending on sel category -3.73%
3000
Max Cap: ₹100 / mon
 AirportLounge Access (Per Year/Quarter)

UPI Domestic International Railway lounge access

unlimited
unlimited
(Incl 4 Guest visits per year)

8, 12, 18 based on Tiers, Incl 4, 6, 12 Based on Tiers Incl

Guests Guests

6 - per Quarter for MC world

8 - per Quarter for VISA 2 per quarter
Signature,

NA

2 per Quarter

NA

1 per Quarter

NA
 NA

1.00% 1 per Quarter

0.40%

0.10% NA

NA 4 per Quarter 4 per Quarter using PP None

 1 per Quarter 1 per Quarter using PP

NA
NA 2 per quarter

2 per Quarter 2 per Quarter using PP

0.63% 16 per year 1 per Year using PP 16 per year

1% via AU 0101 App 2 - per quarter 2 per quarter

 NA NA

NA

2 - per Quarter NA
NA

2 - per Quarter NA

unlimited (both at domestic

unlimited
and international terminals)
 unlimited

NA NA
12 per year 6 per year

2 per Quarter worldwide

 1 per Quarter (1 Dreamfolks
NA
voucher)

0.33%

1.00% NA
 75.00%

0.64% NA

1.5%(0.5%: any upi

App, 1.5%: TATA Neu 2 per Quarter 4 per year NA
App)
1%(0.25%: any upi
App, 1%: TATA Neu 1 per quarter NA
App)

NA

NA

12 per year (both at

domestic and international 12 per year NA
terminals)
1.00% NA 2 per Quarter

NA 2 per Quarter NA NA

NA unlimited NA
 Unlimited (can avail lounge
Unlimited NA
access within India using PP)

Unlimited Unlimited NA

4 per Quarter 2 per year NA

NA

2 per Quarter NA 2 per Quarter

2 per Quarter 1 per year NA

 NA

0.50% 1 per quarter NA 1 per quarter

NA

NA

0.16% To 1.67%
0.25% 1 per Quarter NA

NA 2 per Quarter NA

4 per year using PP (Max 2 per

0.50% 2 per Quarter NA
Quarter)

6 per year using PP (Max 2 per

0.50% 2 per Quarter NA
Quarter)

4 Per Quarter (Lounge or

4 per Quarter(Min spends 20k)
SPA) Incl 1 Guest visit
 4 Per Quarter (Lounge or
2 per Quarter(Min spends 20k)
SPA)

4 per Quarter(Min spends

20k)

2 Per Quarter (Lounge or

2 per Quarter(Min spends 20k)
SPA)

2 Per Quarter NA

NA

NA
 NA 4 per Quarter

0.33% 1 per Quarter NA

0.75% unlimited

NA
 0.75% unlimited

NA

0.25% 1 per Quarter

0.20%

NA

1.00%

0.33% to 1.67% 1 per Quarter NA

0.20% NA
 6 per year 4 per year

unlimited with 8 free Guest

unlimited
visits
NA NA

1 per Quarter NA

NA

1 Per Month using PP(Min 20k

4 per Quarter NA
spends Req)
 2 per year NA NA

NA NA

1 per Quarter NA

NA

2 - per Quarter NA

NA
 NA

NA

NA

0.70% NA
NA 2 - per Quarter 8- per Year NA

NA 1 - per Quarter 1 - per Quarter NA

NA 2 - per Quarter 2 - per Year using PP NA

Unlimited
6 - per Quarter (Incl 8 Guest visits), (Guest
(Incl 8 Guest visits) visitsshared btw Domestic &
International )

NA
 3 - per Quarter 6 - per year
NA

2 - per year 1 - per year

NA

NA

2 - per Quarter 6 - per year

NA
1% above Rs. 2000
NA
Txn value

2 per Quarter 2 per Year (+1 if Rs.50000

NA NA
(Both dom & intr Terminals) spent in a Quarter)

0.25% above 2k Txns NA

1.25% above ₹2000

1 per Quarter
Txn

NA
 NA

NA 2 per Quarter

0.50%

NA

0.27%

2 per Quarter 3 per year

 4 per year using PP
2 per Quarter (PP Membership is only free for
1st year)

NA NA

Unlimited Unlimited

4 per year using PP

2 per Quarter

4 per Quarter 2 per Year NA

NA
NA 2 per Quarter

NA

1 per Quarter

NA NA

NA Unlimited NA
 Mentioned in Milestone
1.00% to 5.00% NA
section

0.40% NA
Spend Condition for Airport links /
Best for Recommendation
Lounge Access References

₹50,000 in the previous 3

Travel
calendar months required for Avoid click here
(High spends)
domestic lounge access.

**Consider** click here

Frequent
No Spend criteria
Travelers

Consider click here

Fuel at IndianOil Avoid click here

Flipkart Consider if ur spends

click here
Shoppers exceed 1 Lakh on flipkart

₹50,000 in the previous 3

calendar months required for
domestic lounge access.
 ₹50,000 in the previous 3 Utility Bills via
calendar months required for Gpay & offline Avoid click here
domestic lounge access. spends

Airtel/Utility Bill
**Consider** click here
Payments

Food & Movies Avoid click here

Bill payments &

Avoid click here
Food

Travel &
Consider click here
Lifestyle

No Spend criteria
 No Spend criteria

Flexible Consider click here

20000 in a calendar quarter General use Avoid click here

NA Offline spends Avoid click here

Grocery &
20000 in a calendar quarter Avoid click here
dining

Travel (only
20000 in a calendar quarter valid on ixigo Consider click here
platform) &

20000 in a calendar quarter UPI spends Avoid

 Grocery & Dept
NA Avoid
stores

NA

General Use Avoid

20000 in a calendar quarter

Online Txns *Consider*

Travel &
***Consider*** click here
Lifestyle
 No Spend criteria Travel &
***Consider*** click here
Lifestyle

Travel &
Consider click here
Lifestyle

15000 in a calendar quarter Travel & Dining Consider if LTF click here
₹1 Lakh in a calendar quarter Online shopping Consider if LTF click here

Occasional use Avoid click here

Depends on
categories Avoid click here
chosen
 Occasional use Avoid click here

Fuel at IndianOil Avoid click here

Consider if LTF click here

TATA
No Spend criteria Enterprises &
UPI, Offline Txns
 TATA
No Spend criteria Enterprises &
UPI, Offline Txns

Avoid click here

Online shopping
& Food, dining, ***Consider*** click here
Grocery

Mariot
properties &
welcome & *Consider* click here
Renewal
benefits

No Spend criteria
No Spend criteria Train Tkts ***Consider*** click here

Flight tkts
booking via Consider click here
IndiGo

No Spend criteria Business Spends **Consider** click here

 Lifestyle &
No Spend criteria Travel & online ***Consider*** click here
shopping

Lifestyle &
No Spend criteria Avoid click here
Travel

Entertainment
75000 in a calendar quarter Consider if LTF click here
& iShop users

75000 in a calendar quarter iShop users Consider if LTF click here

75000 in a calendar quarter Travel Avoid click here

 Online shopping
on Amazon & ***Consider*** click here
Utility Bills

UPI Payments &

75000 in preceding quarter ICICI Ncard Consider if LTF click here
offers

Online Txns ***Consider*** click here

Online Txns &

Consider click here
SBI card offers

grocery/Dept
stores, UPI and Avoid click here
SBI card offers
 Fuel at BPCL
No Spend criteria Consider click here
outlets

Health &
Avoid click here
Lifestyle

Lifestyle Avoid click here

Lifestyle Avoid click here

Lifestyle &
Avoid click here
Travel
 Lifestyle &
Avoid click here
Travel

Lifestyle Consider click here

20000 in preceding quarter

occasional
Consider click here
Offers

occasional
Avoid click here
Offers

occasional
Avoid click here
Offers
 International
NA NA click here
Txns

General use Avoid click here

20000 in preceding quarter

Fuel at HPCL &

Grocery & utility *Consider* click here
payments

Travel &
Avoid click here
Lifestyle

₹40,000 in the previous 3

calendar months required for
domestic lounge access.
 Lifestyle and
₹40,000 in the previous 3 Travel and
calendar months required for Quarterly Avoid click here
domestic lounge access. discounts for
women

Occasional Use Consider if LTF click here

Occasional Use Avoid click here

UPI Consider if LTF click here

₹20,000 in the previous 3

Fuel at HPCL
calendar months required for Avoid click here
Outlets
domestic lounge access.

Occasional Use Avoid click here

 Travel Avoid click here

No Spend criteria

Travel &
Consider click here
Lifestyle

Offline, Grocery
**Consider** click here
& dining

NA Occasional Use Consider click here

₹20,000 in the previous 3 Rent, wallet

calendar months required for loads / Govt Consider click here
International lounge access. services
No Spend criteria Travel **Consider** click here

Utility,
Insurance & all
**Consider** click here
other Govt
services

No Spend criteria Occasional Use Avoid click here

Occasional Use Consider click here

Travel &
No Spend criteria ***Consider*** click here
Lifestyle
Miscellaneous **Consider** click here

Miscellaneous **Consider** Click here

general use Avoid click here

UPI Consider click here

 Food & Dining Consider click here

Exclusive
No Spend criteria Account from Consider click here
Indusind

Lounge Access *Consider* click here

Shopping &
**Consider** click here
Travel

₹10,000 in the previous 3

calendar months required for
 ₹10,000 in the previous 3
Shopping &
calendar months required for Consider if LTF click here
Travel
Domestic lounge access.

Online & Offline

Avoid click here
Txns

Occasional Use Avoid click here

₹10,000 in the previous 3

Travel &
calendar months required for Consider click here
Business
Domestic lounge access.
 Fuel at IndianOil ***Consider*** click here

International
No Spend criteria Consider if LTF click here
Txns

Grocery Consider if LTF click here

Myntra
Shoppers &
No Spend criteria **Consider** click here
Offline & UPI
Txns
 Frequent
No Spend criteria Travellers via via Avoid click here
IndiGo

Fuel at IndianOil Avoid click here

Occasional use Consider if LTF click here

4 purchase transactions
(Online/Retail) are required to be Occasional use
Avoid click here
carried out each calendar year for & Jewellery
International lounge access
 4 purchase transactions
(Online/Retail) are required to be
General use NA click here
carried out each calendar year for
International lounge access

No Spend criteria Avoid click here

Travel &
Lifestyle

No Spend criteria Consider if LTF click here

Consider if LTF click here

No Spend criteria Occasional Use

 No Spend criteria Occasional Use Consider if LTF click here

Avoid click here

Occasional Use Avoid click here

₹10,000 in the previous calendar

Lounge & other
month required for Domestic **Consider** click here
Txns
lounge access.
A **Consider** click here

UPI

Avoid click here

 Fee waiver
Card Name / Annual fee Incl Base Reward
condition (₹ Travel (up to %)
Category GST (₹) rate (%)
Lakh)

Axis Magnus ₹ 14,750 25 1.20 12.00

Axis Atlas ₹ 5,900 . 4.00 10.00
Axis Horizon ₹ 3,540 . 2.00 5.00
Axis IndianOil premium ₹ 1,180 1 0.67 0.67
Axis Flipkart ₹ 590 3.5 1.00 5.00
Axis ACE ₹ 590 2 1.50 1.50
Axis Airtel ₹ 590 2 1.00 1.00
Axis MyZone ₹ 590 . 0.40 0.40
Axis Neo ₹0 . 0.10 0.10
AU Zenith + ₹ 5,900 8 1.00 2.00
AU Vetta ₹ 3,540 1.5 0.50 0.50
AU Altura + ₹ 590 0.8 0.50 0.50
AU Zenith ₹ 9,440 5 1.00 1.25
AU Ixigo ₹0 . 0.60 10.00
AU Spont ₹ 354 . 1.00 1.00
AU Xcite ₹0 . 0.50 1.00
AU Xcite ACE ₹0 . 1.00 1.00
AU Xcite ultra ₹0 . 1.00 2.00
HDFC Infinia Metal ₹ 14,750 10 3.33 33.33
HDFC DCB METAL ₹ 11,800 8 3.30 33.33
HDFC Regalia Gold ₹ 2,950 4 1.33 6.66
HDFC DCP ₹ 1,180 3 1.33 13.33
HDFC Millennia ₹ 1,180 1 1.00 5.00
HDFC MB+ ₹ 590 0.5 0.33 0.33
HDFC PIXEL Play ₹ 590 1 1.00 5.00
HDFC Rupay UPI ₹ 118 0.25 0.25 0.25
HDFC IndianOil ₹ 590 0.5 0.64 0.64
HDFC TNI ₹ 1,770 3 1.50 5.00
HDFC TN+ ₹ 590 1 1.00 2.00
HDFC Swiggy ₹ 590 2 1.00 5.00
HDFC Marriot Bonvoy ₹ 3,540 . 0.67 4.00
 HDFC IRCTC ₹ 590 1.5 1.00 10.00
HDFC 6E Rewards XL ₹ 1,180 . 2.00 5.00
HDFC Biz Black Metal ₹ 11,800 7.5 3.33 33.33
ICICI Emeralde private Metal ₹ 14,750 10 3.00 36.00
ICICI Times Black ₹ 23,600 25 2.00 24.00
ICICI Sapphiro ₹ 4,130 6 0.50 6.00
ICICI Rubyx ₹ 2,360 3 0.50 6.00
ICICI MMT ₹ 1,180 3 1.00 6.00
ICICI Amazon pay ₹0 . 1.00 5.00
ICICI Coral Rupay ₹0 . 0.50 0.50
SBI Cashback ₹ 1,180 2 1.00 5.00
SBI Simplyclick ₹ 590 1 0.25 1.25
SBI Simplysave ₹ 590 1 0.16 0.16
SBI BPCL Octane ₹ 1,770 2 0.25 0.25
SBI prime ₹ 3,540 3 0.50 0.50
SBI Elite ₹ 5,900 10 0.50 0.50
IDFC Mayura ₹ 7,080 . 0.83 0.83
IDFC Ashva ₹ 3,540 . 0.83 0.83
IDFC Wealth ₹0 . 0.50 0.50
IDFC select ₹0 . 0.50 0.50
IDFC classic ₹0 . 0.50 0.50
IDFC Millennia ₹0 . 0.50 0.50
IDFC WOW ₹0 . 0.67 0.67
IDFC SWYP ₹ 590 . 1.00 1.00
IDFC Power + ₹ 590 1.5 0.33 0.33
BOB ETERNA ₹ 2,950 2.5 0.75 3.75
BOB TIARA ₹ 2,950 2.5 0.75 3.75
BOB PREMIER ₹0 1 0.50 2.50
BOB Select ₹0 0.7 0.20 0.20
BOB Snapdeal ₹ 295 . 1.00 1.00
BOB EASY ₹0 . 0.20 0.20
BOB HPCL energie ₹ 590 0.35 0.33 0.33
HSBC TravelOne ₹ 5,900 8 2.00 4.00
HSBC Premier ₹ 23,600 . 3.00 3.00
HSBC Live + ₹ 1,180 2 1.50 1.50
 HSBC VISA platinum ₹0 . 0.47 0.67
SC Ultimate ₹ 5,900 . 3.33 3.30
SC EaseMyTrip ₹ 413 0.5 0.50 25.00
SC Smart ₹ 590 1.2 1.00 2.00
SC Rewards ₹ 1,180 1.5 1.00 2.00
SC platinum rewards ₹0 . 0.25 0.25
AMEX Platinum Travel ₹ 5,900 . 2.00 12.00
AMEX Gold Charge ₹ 5,310 . 2.00 13.50
AMEX MRCC ₹ 5,310 1.5 2.00 13.50
AMEX SmartEarn ₹ 584 0.4 1.00 1.00
Indusind Rupay Platinum ₹0 . 0.70 1.00
Indusind EazyDiner Signature ₹ 2,360 . 0.80 0.80
Indusind Pinnacle ₹0 . 1.88 1.13
Indusind Tiger ₹0 . 0.40 0.40
YES MARQUEE ₹ 5,900 10 2.25 4.50
YES RESERV ₹ 2,950 3 1.50 3.00
YES Elite + ₹ 1,180 2 0.75 1.50
YES ACE ₹ 590 0.5 0.50 1.00
YES First Business ₹ 1,180 3 1.00 2.00
RBL IndianOil XTRA ₹ 1,770 2.75 1.00 1.00
RBL World Safari ₹ 3,540 . 0.50 1.20
RBL Shoprite ₹0 . 0.25 0.25
Kotak Myntra ₹ 590 2 1.25 5.00
Kotak IndiGo 6E rewards XL ₹ 1,180 3 2.00 5.00
Kotak IndianOil ₹ 530 0.5 0.50 0.50
Kotak League Platinum ₹0 . 0.27 0.50
Kotak Zen Signature ₹ 1,180 1.5 0.83 0.83
Privy League signature ₹ 2,950 5 0.50 1.25
White Reserve ₹ 14,750 10 1.00 2.00
Kotak White ₹ 3,540 5 1.00 2.25
Federal Celesta ₹0 . 0.25 0.75
Federal Imperio ₹0 . 0.20 0.20
Federal Signet ₹0 . 0.16 0.16
Federal scapia ₹0 . 2.00 4.00
One Card ₹0 . 0.20 0.10
 YES kiwi ₹0 . 0.50 0.50
Jupiter CSB Rupay ₹0 . 2.00 2.00
 Govt
Online shopping Online Utility Bill
Online Txns Offline Txns services / Rent (up Wallet load
(Specific platforms shopping payments
(up to) (up to) TAX (up to to %) (up to %)
in %) (up to) (up to %)
%)

0.00 2.40% 2.40% 2.40% 0.00 0.00 2.40 0.00

0.00 4.00% 4.00% 4.00% 0.00 0.00 0.00 0.00
0.00 2.00% 2.00% 2.00% 0.00 0.00 0.00 0.00
0.00 0.67% 0.67% 0.67% 0.00 0.00 0.00 0.00
5.00 1.00% 1.00% 1.00% 0.00 0.00 0.00 0.00
0.00 1.50% 1.50% 1.50% 3.82 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 10.00 0.00 0.00 0.00
0.40 0.40% 0.40% 0.40% 0.00 0.00 0.00 0.00
0.00 0.10% 0.10% 0.10% 5.00 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 1.00 1.00 1.00 1.00
0.00 0.50% 0.50% 0.50% 2.50 0.00 0.00 0.00
0.00 0.50% 0.50% 1.50% 0.25 0.00 0.00 0.00
0.00 1.25% 1.25% 1.25% 1.25 0.00 0.00 0.00
0.00 1.25% 1.25% 0.63% 0.25 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 1.00 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 0.25 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 0.25 0.00 0.00 0.00
0.00 4.25% 4.25% 3.50% 4.50 0.00 0.00 0.00
33.33 3.33% 3.33% 3.33% 3.33 0.00 0.00 0.00
33.33 3.33% 3.33% 3.33% 3.33 0.00 0.00 0.00
8.88 1.33% 1.33% 1.33% 1.33 0.00 0.00 0.00
13.33 1.33% 1.33% 1.33% 1.33 0.00 0.00 0.00
5.00 5.00% 5.00% 1.00% 1.00 1.00 0.00 1.00
3.33 0.33% 0.33% 0.33% 0.33 0.00 0.00 0.00
3.00 1.00% 1.00% 1.00% 1.00 0.00 0.00 0.00
0.00 0.25% 0.25% 0.25% 0.25 0.00 0.00 0.00
0.00 0.64% 0.64% 0.64% 4.50 0.00 0.00 0.00
10.00 1.50% 1.50% 1.50% 5.00 0.00 0.00 0.00
7.00 1.00% 1.00% 1.00% 2.00 0.00 0.00 0.00
0.00 5.00% 5.00% 1.00% 1.00 0.00 0.00 0.00
0.00 0.67% 0.67% 0.67% 0.67 0.00 0.00 0.00
 0.00 1.00% 1.00% 1.00% 1.00 0.00 0.00 0.00
0.00 2.00% 2.00% 2.00% 2.00 0.00 0.00 0.00
16.66 3.33% 3.33% 3.33% 3.33 33.33 0.00 0.00
18.00 3.00% 3.00% 3.00% 3.00 0.00 0.00 0.00
12.00 2.00% 2.00% 2.00% 2.00 2.00 0.00 0.00
3.00 0.50% 0.50% 0.50% 0.25% 0.00 0.00 0.00
3.00 0.50% 0.50% 0.50% 0.25% 0.00 0.00 0.00
4.00 1.00% 1.00% 1.00% 1.00 1.00 0.00 0.00
5.00 1.00% 1.00% 1.00% 2.00 1.00 1.00 2.00
0.00 0.50% 0.50% 0.50% 0.25 0.00 0.00 0.00
0.00 5.00% 5.00% 1.00% 0.00 0.00 0.00 0.00
4.50 1.25% 1.25% 0.25% 0.00 0.00 0.00 0.00
0.00 0.16% 0.16% 0.16% 0.16 0.00 0.00 0.00
0.00 0.25% 0.25% 0.25% 0.25 0.00 0.00 0.00
0.50 0.50% 0.50% 0.50% 0.50 0.00 0.00 0.00
0.00 0.50% 0.50% 0.50% 0.50 0.00 0.00 0.00
0.00 0.83% 0.83% 0.83% 0.17 0.50 0.50 0.50
0.00 0.83% 0.83% 0.83% 0.17 0.50 0.50 0.50
0.00 0.50% 0.50% 0.50% 0.17 0.50 0.50 0.50
0.00 0.50% 0.50% 0.50% 0.17 0.50 0.50 0.50
0.00 0.50% 0.50% 0.50% 0.17 0.50 0.50 0.50
0.00 0.50% 0.50% 0.50% 0.17 0.50 0.50 0.50
0.67 0.67 0.67 0.67 0.17 0.67 0.67 0.67
0.00 1.00% 1.00% 1.00% 0.00 1.00 0.00 1.00
0.00 0.33% 0.33% 0.33% 2.50 0.33 0.00 0.33
0.00 3.75% 3.75% 0.75% 0.00 0.00 0.00 0.00
0.00 3.75% 3.75% 0.75% 0.00 0.00 0.00 0.00
0.00 0.50% 0.50% 0.50% 0.00 0.00 0.00 0.00
0.00 1.00% 1.00% 0.20% 0.00 0.00 0.00 0.00
2.50 1.00% 1.00% 1.00% 0.00 0.00 0.00 0.00
0.00 0.20% 0.20% 0.20% 0.00 0.00 0.00 0.00
0.00 0.33% 0.33% 0.33% 0.00 0.00 0.00 0.00
0.00 2.00% 2.00% 2.00% 0.00 0.00 0.00 0.00
0.00 3.00% 3.00% 3.00% 3.00 3.00 3.00 3.00
0.00 1.50% 1.50% 1.50% 1.50 0.00 0.00 0.00
 0.00 0.67% 0.67% 0.67% 0.67 0.67 0.67 0.67
0.00 3.30% 3.30% 3.30% 3.33 2.00 2.00 2.00
0.00 0.50% 0.50% 0.50% 0.50 0.50 0.50 0.50
0.00 2.00% 2.00% 1.00% 2.00 2.00 2.00 2.00
0.00 1.00% 1.00% 1.00% 1.00 0.25 1.00 1.00
0.00 0.25% 0.25% 0.25% 0.25 0.25 0.25 0.25
0.00 12.30% 10.00% 10.00% 0.00 12.00 12.00 12.00
0.00 13.50% 13.50% 13.50% 13.50 13.50 13.50 13.50
0.00 13.50% 13.50% 13.50% 0.00 13.50 13.50 13.50
10.00 1.00% 1.00% 1.00% 0.00 1.00 1.00 1.00
0.00 0.70% 0.70% 0.70% 0.25 0.25 0.70 0.00
0.00 2.00% 2.00% 2.00% 0.80 0.80 0.80 0.80
0.00 1.88% 1.88% 0.00% 0.52 0.52 0.00 0.52
0.00 0.40% 0.40% 0.40% 0.00 0.00 0.00 0.00
0.00 4.50% 4.50% 2.25% 1.25 0.00 0.00 0.00
0.00 3.00% 3.00% 1.50% 0.75 0.00 0.75 0.75
0.00 1.50% 1.50% 0.75% 0.50 0.00 0.50 0.50
0.00 1.00% 1.00% 0.50% 0.25 0.00 0.25 0.25
0.00 2.00% 2.00% 1.00% 0.50 0.00 0.50 0.50
0.00 1.00% 1.00% 1.00% 0.00 0.00 0.00 0.00
0.00 0.50% 0.50% 0.50% 0.50 0.50 0.00 0.00
0.00 0.25% 0.25% 0.25% 0.00 0.00 0.00 0.00
7.50 1.25% 1.25% 1.25% 1.25 1.25 0.00 0.00
0.00 2.00% 2.00% 2.00% 2.00 0.00 0.00 0.00
0.00 0.50% 0.50% 0.50% 0.50 0.50 0.50 0.50
0.00 0.27% 0.27% 0.27% 0.27 0.27 0.00 0.00
0.00 1.67% 1.67% 1.67% 0.83 0.83 0.83 0.83
0.00 1.25% 1.25% 0.50% 0.50 0.50 0.50 0.50
0.00 2.00% 2.00% 2.00% 2.00 1.67 1.67 1.67
0.00 2.50% 2.50% 2.50% 2.25 1.00 1.00 1.00
0.00 0.25% 0.25% 0.25% 0.25 0.00 0.00 0.00
0.00 0.20% 0.20% 0.20% 0.20 0.00 0.00 0.00
0.00 0.16% 0.16% 0.16% 0.16 0.00 0.00 0.00
0.00 2.00% 2.00% 2.00% 2.00 2.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 1.00 0.00 0.00 0.00
0.00 1.00% 1.00% 1.00% 0.00 0.00 0.00 0.00
0.00 2.00% 2.00% 2.00% 0.40 0.00 0.00 0.00
 Food &
Education Insurance (up Jewellery (up Grocery Grocery
Fuel (%) Dining UPI
(up to %) to %) to %) (Offline) (%) (Online) (%)
(%)

2.40 0.00 0.00 0.00 30 2.40 2.40 0.00%

4.00 0.00 0.00 0.00 25 4.00 4.00 0.00%
0.00 0.00 2.00 0.00 25 2.00 2.00 0.00%
0.00 0.00 0.67 4.00 30 1.35 1.35 0.00%
0.00 0.00 0.00 0.00 15 1.00 10.00 0.00%
0.00 0.00 0.00 0.00 4 1.50 1.50 0.00%
0.00 0.00 0.00 0.00 10 1.00 10.00 1.00%
0.00 0.00 0.00 0.00 40 0.40 0.40 0.40%
0.00 0.00 0.00 0.00 40 0.10 10.00 0.10%
1.00 1.00 1.00 0.00 2 1.00 1.00 0.00%
0.00 0.50 0.50 0.00 1 1.00 1.00 0.00%
0.00 0.25 0.50 0.00 2 1.30 1.30 0.00%
0.00 0.25 0.25 0.00 4 2.50 2.50 0.00%
0.00 0.25 0.00 0.00 1 1.25 1.25 0.63%
0.00 0.00 1.00 0.00 1 1.00 1.00 1.00%
0.00 1.00 1.00 0.00 8 3.75 3.75 0.00%
0.00 1.00 1.00 0.00 1 1.00 1.00 0.00%
0.00 4.50 4.50 0.00 4 3.50 3.50 0.00%
3.33 3.33 3.33 0.00 20 3.33 3.33 0.00%
3.33 3.33 3.33 0.00 20 3.33 3.33 0.00%
1.33 1.33 1.33 0.00 8 1.33 1.33 0.00%
1.33 1.33 1.33 0.00 20 6.66 6.66 0.00%
1.00 1.00 1.00 0.00 20 5.00 5.00 0.00%
0.33 0.33 0.33 0.00 3 3.33 3.33 0.33%
1.00 1.00 1.00 0.00 25 5.00 5.00 1.00%
0.00 0.00 0.00 0.00 0 0.75 0.75 0.75%
0.64 0.64 0.64 4.50 0 4.50 4.50 0.64%
1.50 1.50 1.50 0.00 2 1.50 10.00 1.50%
1.00 1.00 1.00 0.00 1 1.00 7.00 1.00%
1.00 1.00 0.00 0.00 10 1.00 10.00 0.00%
0.67 0.67 0.67 0.00 1 0.67 0.67 0.00%
1.00 1.00 1.00 0.00 1 1.00 1.00 1.00%
2.00 2.00 2.00 0.00 3 3.00 3.00 0.00%
0.00 3.33 3.33 0.00 3 3.33 3.33 0.00%
3.00 3.00 3.00 0.00 25 3.00 3.00 0.00%
2.00 2.00 2.00 0.00 2 2.00 2.00 0.00%
0.50 0.25 0.50 0.00 1 0.50 0.50 0.50%
0.50 0.25 0.50 0.00 1 0.50 0.50 0.50%
1.00 1.00 1.00 1.00 1 1.00 1.00 1.00%
1.00 2.00 1.00 0.00 15 1.00 5.00 0.00%
0.50 0.25 0.50 0.00 15 0.50 0.50 0.50%
0.00 0.00 0.00 0.00 5 1.00 5.00 0.00%
0.25 0.25 0.25 0.00 1 1.25 1.25 0.00%
0.16 0.16 0.16 0.00 2 1.67 1.67 0.16%
0.25 0.25 0.25 6.25 3 2.50 2.50 0.25%
0.50 0.50 0.50 0.00 3 2.50 2.50 0.50%
0.50 0.50 0.50 0.00 3 4.50 4.50 0.50%
0.17 0.17 0.50 0.00 1 0.83 0.83 0.00%
0.50 0.17 0.50 0.00 1 0.83 0.83 0.00%
0.50 0.17 0.50 0.00 1 0.50 0.50 0.00%
0.50 0.17 0.50 0.00 1 0.50 0.50 0.00%
0.50 0.17 0.50 0.00 1 0.50 0.50 0.00%
0.50 0.17 0.50 0.00 1 0.50 0.50 0.00%
0.67 0.17 0.67 0.00 1 0.67 0.67 0.00%
1.00 1.00 1.00 0.00 10 1.00 1.00 1.00%
0.33 0.33 0.33 2.50 0 2.50 2.50 0.33%
0.00 0.00 0.00 0.00 4 0.00 0.00 0.75%
0.00 0.00 0.00 0.00 4 0.00 0.00 0.75%
0.00 0.00 0.00 0.00 1 0.00 0.00 0.50%
0.00 0.00 0.00 0.00 1 0.00 0.00 0.20%
0.00 0.00 0.00 0.00 1 0.00 0.00 1.00%
0.00 0.00 0.00 0.00 0 0.00 0.00 0.20%
0.00 0.00 0.00 4.00 0 0.00 0.00 0.33%
0.00 0.00 0.00 0.00 10 2.00 2.00 0.00%
3.00 3.00 3.00 0.00 30 3.00 3.00 0.00%
0.00 0.00 0.00 0.00 10 10.00 10.00 0.00%
 0.67 0.67 0.67 0.00 0 0.67 0.67 0.00%
2.00 2.00 3.33 0.00 3 3.33 3.33 0.00%
0.50 0.50 0.50 0.00 1 0.50 0.50 0.00%
2.00 2.00 2.00 0.00 2 2.00 2.00 0.00%
1.00 0.25 1.00 0.00 1 2.00 2.00 0.00%
0.25 0.25 0.25 1.25 1 0.25 0.25 0.00%
12.00 0.00 12.00 0.00 20 10.00 10.00 0.00%
13.50 0.00 13.50 13.50 20 14.00 14.00 0.00%
13.50 0.00 13.50 0.00 20 14.00 14.00 0.00%
1.00 0.00 1.00 0.00 10 1.00 1.00 0.00%
0.25 0.25 0.70 0.00 0 0.70 0.70 0.70%
0.80 0.80 0.80 0.00 50 0.80 0.80 0.00%
0.52 0.52 0.52 0.00 1 1.88 0.52 0.00%
0.00 0.00 0.40 0.00 1 0.40 0.40 0.00%
1.25 1.25 1.25 0.00 5 4.50 4.50 0.00%
0.75 0.75 0.75 0.00 3 3.00 3.00 0.00%
0.50 0.50 0.50 0.00 2 1.50 1.50 0.00%
0.25 0.25 0.25 0.00 1 1.00 1.00 0.00%
0.50 0.50 0.50 0.00 2 2.00 2.00 0.00%
0.00 0.00 0.00 7.50 0 1.00 1.00 1.00%
0.50 0.50 0.50 0.00 1 0.50 0.50 0.00%
0.00 0.00 0.00 0.00 0 5.00 5.00 0.25%
1.25 1.25 1.25 0.00 5 1.25 5.00 1.25%
0.00 2.00 2.00 0.00 5 3.00 3.00 0.00%
0.50 0.50 0.50 4.00 2 2.00 2.00 0.50%
0.27 0.27 0.27 0.00 1 0.50 0.50 0.27%
0.83 0.83 0.83 0.00 1 0.83 0.83 0.00%
0.50 0.50 0.50 0.00 1 2.25 2.25 0.00%
1.67 1.67 1.67 0.00 2 2.00 2.00 0.00%
1.00 1.00 1.00 1.00 2 2.25 2.25 0.00%
0.00 0.00 0.00 0.00 15 0.25 0.25 0.00%
0.00 0.00 0.00 0.00 15 0.20 0.20 0.00%
0.00 0.00 0.00 0.00 15 0.16 0.16 0.16%
0.00 2.00 2.00 0.00 2 2.00 2.00 0.00%
1.00 1.00 1.00 0.00 1 1.00 1.00 0.00%
0.00 0.00 0.00 0.00 1 1.00 1.00 1.00%
0.00 0.00 0.00 0.00 2 2.00 2.00 0.40%
Internationa Domestic International
International Forex Mark-up Railway Lounge Spends
l Txns Airport Lounge Airport Lounge
Txns (Online %) fee (%) Access per Qtr Required?
(Offline) Access per Qtr Access per Yr

0.04% 0.04 2.36 Unlim Unlim 0 Yes

-0.13% -0.13 4.13 8 16 0 No
-2.13% -2.13 4.13 8 8 0 No
-3.46% -3.46 4.13 2 0 0 Yes
-3.13% -3.13 4.13 1 0 0 Yes
-2.63% -2.63 4.13 1 0 0 Yes
-3.13% -3.13 4.13 1 0 0 Yes
-3.73% -3.73 4.13 1 0 0 Yes
-4.03% -4.03 4.13 0 0 0 NA
0.83% 0.83 1.17 4 16 2 No
-3.02% -3.02 3.52 1 4 2 Yes
-2.63% -3.63 4.13 0 0 0 NA
-1.10% -1.10 2.35 2 8 2 Yes
0.00% 0.00 0.00 4 1 4 Yes
-3.13% -3.13 4.13 2 0 2 Yes
-3.13% -3.13 4.13 0 0 0 NA
-3.13% -3.13 4.13 2 0 0 Yes
-0.63% 0.12 4.13 2 0 0 Yes
0.97% 0.97 2.36 Unlim Unlim 0 No
0.97% 0.97 2.36 Unlim Unlim 0 No
-1.03% -1.03 2.36 3 6 0 No
-2.80% -2.80 4.13 2 2* 0 Yes
-3.13% -3.13 4.13 1 0 0 Yes
-3.80% -3.80 4.13 0 0 0 NA
-3.13% -3.13 4.13 0 0 0 NA
-3.88% -3.88 4.13 0 0 0 NA
-3.49% -3.49 4.13 0 0 0 NA
-0.86% -0.86 2.36 2 4 0 No
-3.13% -3.13 4.13 1 0 0 No
-3.13% 0.87 4.13 0 0 0 NA
-3.46% -3.46 4.13 3 12 0 No
-3.13% -3.13 4.13 0 0 2 NA
-0.95% -0.95 2.95 2 0 0 No
-0.80% -0.80 4.13 Unlim Unlim 0 No
0.64% 0.64 2.36 Unlim Unlim 0 No
0.74% 0.74 1.76 Unlim Unlim 0 No
-3.63% -3.63 4.13 4 2 0 Yes
-3.63% -3.63 4.13 2 0 2 Yes
-0.17% -0.17 1.17 2 1 0 No
-3.13% -3.13 4.13 0 0 0 NA
-3.63% -3.63 4.13 1 0 1 Yes
-3.13% 0.87 4.13 0 0 0 NA
-3.88% -2.88 4.13 0 0 0 NA
-3.97% -3.97 4.13 0 0 0 NA
-3.88% -3.88 4.13 1 0 0 No
-3.63% -3.63 4.13 2 4 0 No
-1.85% -1.85 2.35 2 8 0 No
0.83% 0.83 0.00 4 16 4 Yes
-0.35% -0.35 1.18 4 8 4 Yes
-1.28% -1.28 1.78 2 8 4 Yes
-1.84% -1.84 2.34 2 0 4 Yes
-3.63% -3.63 4.13 0 0 4 NA
-3.63% -3.63 4.13 0 0 4 NA
0.67% 0.67 0.00 0 0 0 NA
-3.13% -3.13 4.13 0 0 4 NA
-3.80% -3.80 4.13 1 0 0 Yes
-1.61% 1.39 2.36 Unlim 0 0 Yes
-1.61% 1.39 2.36 Unlim 0 0 Yes
-3.63% -3.63 4.13 1 0 0 Yes
-3.93% -3.13 4.13 0 0 0 NA
-3.13% -3.13 4.13 0 0 0 NA
-3.93% -3.93 4.13 0 0 0 NA
-3.80% -3.80 4.13 1 0 0 Yes
-0.13% -0.13 4.13 6* 4 0 No
1.83% 1.83 1.17 Unlim Unlim 0 No
-2.63% -2.63 4.13 1 0 0 No
-3.46% -3.46 4.13 0 0 0 NA
0.94% 0.94 2.36 4 16 0 Yes
-3.63% -3.63 4.13 2 0 0 No
-3.13% -2.13 4.13 0 0 0 NA
-3.13% -3.13 4.13 1 0 0 Yes
-3.88% -3.88 4.13 0 0 0 NA
5.87% 5.87 4.13 2 0 0 No
9.37% 9.37 4.13 0 0 0 NA
9.37% 9.37 4.13 0 0 0 NA
-3.13% -3.13 4.13 0 0 0 NA
-3.43% -3.43 4.13 0 0 0 NA
-2.13% -2.13 4.13 2 8 0 No
-2.25% -2.25 4.13 2 4 0 No
-1.37% -1.37 1.77 2 2 0 No
1.07% 3.32 1.18 6 unlim 0 Yes
-0.56% 0.94 2.06 3 6 0 Yes
-2.49% -1.74 3.24 2 1 0 Yes
-2.74% -2.24 3.24 0 0 0 NA
-1.06% -0.06 2.06 2 6 0 Yes
-3.13% -3.13 4.13 0 0 0 NA
0.00% 0.00 0.00 2 2 0 No
-3.88% -3.88 4.13 0 0 0 NA
-2.88% -2.88 4.13 1 0 0 No
-2.13% -2.13 4.13 2 0 0 No
-3.63% -3.63 4.13 0 0 0 NA
-3.86% -3.86 4.13 0 0 0 NA
-2.46% -2.46 4.13 2 3 0 Yes
-3.63% -2.88 4.13 2 4 0 No
-0.36% -0.36 2.36 Unlim Unlim 0 No
-1.63% -1.63 4.13 2 4 0 No
-2.11% -2.11 2.36 4 2 0 No
-3.93% -3.93 4.13 2 0 0 No
-3.97% -3.97 4.13 1 0 0 No
0.00% 0.00 0.00 Unlim 0 0 Yes
-0.18% -0.18 1.18 0 0 0 NA
-3.13% -3.13 4.13 1 0 0 Yes
-2.13% -2.13 4.13 0 0 0 NA
Note:
1. Fees and Reward Rates are Subject to Change – The values mentioned in this table are based on cu
2. Reward Rate ≠ ROI – The percentage provided here represents the Reward Rate (i.e., the percentag
3. Selection Criteria for Best Cards – This list is not solely based on the highest reward rate but is opti
4. Data Source & Accuracy – All information is accurate as of February 2025 and has been collected fr
5. Most premium, ultra-premium credit cards (with fees above ₹15,000) have been excluded as they a
6. Some cards included in the list may not directly earn rewards in the category they are listed under b
7. The primary selection criterion for the best credit cards in each category is their reward rate (RR) an
8. Some alternative cards may earn cashback or rewards only on specific platforms (apps or websites)
Example: Amazon Pay ICICI card is great for Amazon users, while Flipkart Axis Bank Credit Card is be
9. Check the terms carefully before selecting a card based on your spending habits.

Online shopping
Category / Fee
Travel Online shopping (Specific
Range
Apps/websites)
Lifetime Free AU Ixigo AU Xcite ultra ICICI Amazon Pay

Below ₹1800 SC EaseMyTrip SBI Cashback AXIS Flipkart

Below ₹3600 Axis Hoorizon BOB ETERNA/TIARA HDFC Regalia Gold

Below ₹6000 AMEX Platinum Travel YES MARQUEE AMEX Gold Charge/MRCC

Below ₹12500 HDFC DCB Metal HDFC DCB Metal HDFC DCB Metal

HDFC INFINIA / HDFC INFINIA / HDFC INFINIA /

Below ₹15000 ICICI E.P.M ICICI E.P.M ICICI E.P.M

Bank wise Best credit cards

AXIS Bank Axis Atlas Axis Airtel Axis Horizon

 AU SFB AU Zenith + AU Ixigo AU Xcite ultra

HDFC Bank HDFC INFINIA / HDFC Swiggy HDFC TATA Neu

DCB / BIZ Black Infinity
ICICI Bank ICICI E.P.M ICICI Amazon Pay ICICI Platinum /
coral Rupay
SBI SBI Cashback SBI SimplyClick SBI Air India
Signature
IDFC First Bank IDFC Wealth IDFC Power + IDFC WOW

BOB Eterna / Tiara Snapdeal Premier

HSBC LIVE + Visa Platinum NA

SC SC Ultimate SC Smart SC EaseMyTrip

AMEX Gold Charge Platinum Travel MRCC

Indusind Eazydiner Signature Pinnacle Tiger

 YES Bank MARQUEE RESERVE First Business

RBL Bank IndianOil XTRA World Safari NA

Kotak Mahindra White Reserve Myntra IndiGo 6E rewards
Bank XL
Federal Bank CELESTA Imperio NA

Fintech Cards Kiwi Scapia NA

S.no. Card Name No of Complimenta

1 AU Zenith +
2 HDFC DCB METAL
3 HDFC INFINIA METAL Un
4 HDFC Marriot Bonvoy
5 HDFC BizBlack Metal
6 ICICI E.P.M Un
7 ICICI Sapphiro
8 ICICI Rubyx
9 IDFC Mayura up to 4
9 IDFC Ashva
9 IDFC Wealth
9 IDFC Select
9 HSBC TravelOne
9 HSBC premier Golf benefit is giv
9 SC Ultimate
9 Indusind Pinnacle
9 Indusind Tiger
9 YES MARQUEE

Overall Best Performers

 Online
Shopping/Online AMEX Gold Charge - upto 72k spends in a year
Txns/Offline SBI Cashback credit card - up to 1L spends in a year
Txns/Utility Bills

AMEX Platinum Travel - Counted for Milestone

Rent / Wallet Load SC Smart - Good for Almost all the Excluded categories by many

Fuel RBL IndianOil XTRA - 7.5% + 1% Fuel Surcharge

Indusind Eazydiner Signature credit card

Food & dining HSBC Live +

Grocery (Online + HSBC Live + - 10%

Offline)

International Txns
and Forex mark up AMEX Platinum Travel/ AMEX Gold Charge / AMEX MRCC
fee
 UPI Payments Axis Airtel Rupay / Kiwi - 1%

Domesti &
International HDFC INFINIA / DCB / Biz Black / ICICI Emerald Private MetalMet
Airport Lounge Premier / Axis Atlas
Access

Railway Lounge
Access AU Ixigo

Travel & Lifestyle HDFC INFINIA / DCB / ICICI E.P.M

Movies &
Entertainment YES MARQUEE

Airtel Recharge &

Utility Bills Axis Airtel - 25% , 10%
Business Spends HDFC BIZ Black Metal
 are based on current data (as of February 2025) but may change at any time based on the bank’s decision. Al
e., the percentage of rewards you earn per ₹100 spent). It does not account for the Annual Fee, Redemption C
rate but is optimized for better ROI and overall value. Some cards with slightly lower reward rates may be inc
een collected from official bank websites. However, policies and offers may change frequently, so always cros
cluded as they are invite-only or require a very high annual income. Examples: Axis Reserve, Axis Olympus, M
re listed under but provide milestone or bonus rewards. This is especially true for American Express (AMEX) c
ward rate (RR) and not Return on Investment (ROI).
pps or websites). Others may earn cashback/rewards across all platforms.
Credit Card is better for Flipkart purchases.

Other Online Txns Offline Txns International Txns Utility Bill payments
 AU Xcite ultra AU Xcite ultra IDFC WOW/AU IXIGO ICICI Amazon Pay

SBI Cashback HSBC Live + SBI Cashback Axis Airtel

BOB ETERNA/TIARA Axis Hoorizon RBL World safari AU Vetta

AMEX Gold Charge / MRCC AMEX Gold Charge / MRCC AMEX Gold Charge / MRCC AMEX Gold Charge

HDFC DCB Metal HDFC DCB Metal HDFC DCB Metal HDFC DCB Metal

HDFC INFINIA / HDFC INFINIA / HDFC INFINIA / HDFC INFINIA /

ICICI E.P.M ICICI E.P.M ICICI E.P.M ICICI E.P.M

Note:
1. These credit cards have no annual maintenance charges, but banks may introduce fees later.
2. The LTF status of a card is subject to change based on bank policies. Always check the official bank website befor
3. Even if a card is LTF, other charges like forex markup, late payment fees, and redemption fees may apply.
4. Some cards are LTF only for select customers (such as premium banking customers or high-income individuals).
5. This list is based on publicly available information as of February 2025 and may change over time.
3. Even if a card is LTF, other charges like forex markup, late payment fees, and redemption fees may apply.
4. Some cards are LTF only for select customers (such as premium banking customers or high-income individuals).
5. This list is based on publicly available information as of February 2025 and may change over time.

Note: UPI RUPay credit cards

1. RuPay credit cards may have limited acceptance outside India unless co-branded with Discover, JCB, or Diners Cl
2. The list is based on publicly available data as of February 2025—benefits and acceptance may change over time.
3. RuPay cards often provide additional perks like insurance coverage and discounts on utility bills, especially for PS
4. All the RuPay credit cards will not provide Rewards / Cashback in ALl UPI Apps, SOme Cards only fetches Reward
details check UPI Apps column.
5. UPI RuPay credit cards provide rewards or cashback based on transaction amounts rounded down to the neares
₹150, you earn rewards only for ₹100 (1 point), and for ₹200, you earn 2 points. Due to this rounding mechanism, t
potentially reducing the return on investment (ROI)
 List of C
mplimentary Rounds per Quarter Golf Lessons Golf Lessons

2 2
6 0
 Unlimited Ublimited
2 2
6 0
Unlimited Ublimited
4 4
1 2
up to 40 per year up to 40 per year
8 0
8 0
4 4
 1 3
enefit is given as a part of HSBC Premier Account not separately for Pr
4 4
4 4
1 1
4 4

Best Alternativ
in a year HDFC Swiggy HDFC INFINIA YES MARQUEE
ds in a year

Milestone
gories by many banks HSBC Premier SC Ultimate Axis Magnus

urcharge AMEX Gold charge /

MRCC SBI BPCL Octane IDFC Power +

t card Indusind EazyDiner

Platinum HDFC Swiggy Axis Airtel

HDFC Swiggy Axis Airtel AU Xcite

/ AMEX MRCC YES MARQUEE HSBC Premier FEDERAL Scapia

 HDFC TNI HDFC Pixel Play BOB Snapdeal

ate MetalMetal, HSBC YES MARQUEE Axis Atlas Axis Horizon

IDFC SWYP HDFC IRCTC AU Zenith +

AMEX Platinum
M Travel Axis Atlas HDFC DCP

ICICI Emeralde Indusind EazyDiner

Private Metal AU Zenith+ Signature

HDFC TNI / HDFC TN IDFC Power + /

+ HDFC IndianOil Axis Ace
YES First Business None None
 nk’s decision. Always verify details on the bank’s official website before applying.
e, Redemption Charges, or other hidden costs, which can reduce the actual Return on Investment (ROI) of a c
rates may be included because they provide higher real-world benefits after considering fees, redemption fle
y, so always cross-check with the latest details before deciding.
Axis Olympus, Magnus for Burgundy, YES Private, IDFC Private etc.
xpress (AMEX) cards, where spending across different categories contributes towards milestone benefits.

Best Credit Cards Across All Categ

Insurance / Education Jewellery Govt services / TAX

 FEDERAL scapia/ ICICIC
ICICI Amazon Pay Indusind Tiger
Amazon Pay

SC Smart SC Smart SC Smart

HDFC Regalia Gold HDFC Regalia Gold Kotak white

AMEX Gold Charge / MRCC / AMEX Gold Charge / MRCC /

AMEX Gold Charge / MRCC / Platinum Travel Platinum Travel Platinum Travel

HDFC DCB Metal HDFC DCB Metal HDFC Biz Black

HDFC INFINIA / HDFC INFINIA / HDFC INFINIA /

ICICI E.P.M ICICI E.P.M ICICI E.P.M

ank website before applying.

may apply.
ome individuals).
me. S. No
may apply.
ome individuals).
me.

1 Axis Magnus
2 Axis Atls
r, JCB, or Diners Club.
change over time.
3 IDFC Mayura
s, especially for PSU bank-issued cards.
ly fetches Rewards on the Specific UPI App For more 4 HSBC Premier
own to the nearest hundred. For example, if you spend
ding mechanism, the overall reward rate may vary, 5 YES MARQUEE
6 AXIS OLYMPUS
7 AXIS Primus
8 AXIS Burgundy Pr
9 Axis Burgundy Ma
10 SBI AURUM
 11 IDFC Private
12 SC Ultimate
13 AMEX Platinum re
14 Axis Reserve
15 YES Private
List of Credit Cards Providing Golf Access Benefit
Spend Requirement S.no. Card Name

None 10 YES RESERV

None 11 YES Elite +
 None 12 YES First Business
None 13 RBL World safari
None 14 Kotak white
None 15 Kotak white Reserve
50k in prev Qtr 16 Axis Olympus
50k in prev Qtr
40k in prev stmt cycle
20k in prev stmt cycle
20k in prev stmt cycle
20k in prev stmt cycle
 None
ately for Premier Credit Card
None
None
None
None

lternative(s)
HDFC Millennia ICICI Amazon Pay S No

Federal Scapia AMEX Gold charge 1

SBI BPCL Octane HDFC IndianOil 2
HDFC TNI AMEX Cards 3
HDFC DCP AMEX Cards 4
AU Ixigo Axis Magnus 5
 AU Spont HDFC TN + 6

Federal Celesta AU Ixigo 7

None None 8
AXIS Horizon HSBC TravelOne 9
IDFC Wealth FEDERAL Celesta 10
SC Ultimate SC Smart 11
None None 12

13

14

15

16
estment (ROI) of a card.
ees, redemption flexibility, and additional perks.

stone benefits.

ross All Categories Based on Fee Range

Domestic Airport
Rent / Wallet Load Fuel
Lounge Access
 Indusind Tiger
Indusind Tiger None

SC Smart RBL IndianOil Xtra HDFC TATA NEU Infinity

Axis Hoorizon
Kotak white None

Axis Atlas
AMEX Gold Charge / MRCC AMEX Gold Charge / MRCC / Platinum Travel

HDFC DCB Metal None HDFC DCB Metal

HDFC INFINIA / HDFC INFINIA / HDFC INFINIA /

ICICI E.P.M ICICI E.P.M ICICI E.P.M

List of Credit Cards Offering Guest Visits for Airport Lo

Card Name
 gnus
s
ayura
emier
RQUEE
YMPUS
mus
rgundy Private
rgundy Magnus
RUM
 vate
mate
latinum reserve
serve
vate
enefit
Card Name No of Complimentary Rounds per Quarter

RV 0
+ 0
Business 0
d safari 0
te 8
te Reserve 8
pus 2
Best Credit Cards for Internation
 Card Name Markup fee(%)

BOB ETERNA 2.36

BOB TIARA 2.36

HSBC Premier 1.17

AMEX Platinum Travel 4.13

AMEX Gold Charge 4.13

AMEX MRCC 4.13

YES MARQUEE 1.18

RBL World Safari 0.00

YES Private 0.59

Axis Reserve 1.77

Axis Olympus 2.12

Axis Burgundy Magnus 2.36

Axis Private 0.00

Axis Primus 0.00

Indusind Pioneer Heritage 0.00

Metal

DBS Vantage 2.70

 Best Credit Ca

International Airport
Railway Lounge Access Forex mark up fee
Lounge Access
 Indusind Tiger
IDFC and AU Credit cards AU ICIGO / IDFC WOW

HDFC TATA NEU Infinity HDFC IRCTC YES First Business

HDFC Mariot Bonvoy

AU Vetta RBL World safari

Axis Atlas
None YES MARQUEE

HDFC DCB Metal None IDFC Mayura

HDFC INFINIA /
ICICI E.P.M None None

ts for Airport Lounge Access

No.of Guest visits

 4 per year
Guest visits shared with PCH
1 per Qtr (Domestic)
8 per Year (International)
8 per Qtr
10 per Year (International)
12 per Year (International)
12 per Year
4 per year
4 per Year (International)
 4 per Year (Domestic)
1 per Year (International)
2 per Year (Domestic)
12 per Year
12 per Year

ds per Quarter Golf Lessons per Quarter

1
4
4
4
0
0
2
nternational Transactions
rkup fee(%) Net RR(%) Lounge Access / year

2.36 1.39 0

2.36 1.39 0

1.17 1.83 Unlimited

4.13 5.87 0

4.13 up to 14.44 0
4.13 up to 14.44 0

3.32% (online)
1.18 1.07% (offline) Unlimited

0.00 2.7 2

0.59 4.41 Unlimited

1.77 4.23 Unlimited

2.12 5.8 Unlimited

2.36 2.44 Unlimited

0.00 6 Unlimited

0.00 5 Unlimited

0.00 2.5 Unlimited

2.70 1.93 Unlimited

Best Credit Cards & Key Insights – 2025

Grocery / Dept
Food & dining stores / Grocery (Online)
Supermarkets
 Indusind EZD Platinum AU Xcite ICICI Amazon Pay

HSBC LIVE + HSBC LIVE + HSBC LIVE +

Indusind EZD Signature BOB Eterna BOB Eterna

AMEX Gold Charge / MRCC / AMEX Gold Charge / MRCC /

AXIS Atlas Platinum Travel Platinum Travel

HDFC DCB Metal HDFC DCB Metal HDFC DCB Metal

HDFC INFINIA / HDFC INFINIA / HDFC INFINIA /

ICICI E.P.M ICICI E.P.M ICICI E.P.M

visits
ar
d with PCH
mestic)
national)
r
rnational)
rnational)
ar
ar
national)
mestic)
national)
mestic)
ar
ar

Spend
Requirement
None
None
None
None
None
None
None
List of Cards with Railway Lou
e Access / year S no. Card Name

0 1 ICICI Rubyx

0 2 ICICI Coral

Unlimited 3 IDFC SWYP

0 4 IDFC Ashva

0 5 IDFC Wealth
 0 6 IDFC Select

Unlimited 7 IDFC Mayura

2 8 IDFC Millennia

Unlimited 9 IDFC Classic

Unlimited 10 HDFC IRCTC

Unlimited 11 SBI IRCTC Premier

Unlimited 12 SBI IRCTC Rupay

Unlimited 13 AU Zenith

Unlimited 14 AU Vetta

Unlimited 15 AU Altura Plus

Unlimited 16 AU Altura

17 AU Ixigo
18 Bank Of Baroda IRCTC

19 AU Spont
025

Movie Tickets UPI payments

 IDFC Wealth / Federal
Kiwi
Celesta

HDFC DCP HDFC TATA NEU Infinity

IDFC Ashva BOB Eterna

AU Zenith + None

IDFC Mayura None

ICICI Emeralde Private None

Metal
with Railway Lounge Access (With & Without Spend Re
 No.of Complimentary
Card Name
visits
8 per Year

4 per Year

16 per Year

16 per Year

16 per Year
 16 per Year

16 per Year

a 16 per Year

16 per Year

8 per Year

mier 8 per Year

pay 4 per Year

8 per Year

8 per Year

s 8 per Year

8 per Year

16 per Year
da IRCTC 4 per Year

8 per Year
Spend Requirements) Lifetime Free Credi
mentary Min spend Card Name
Requirement
r NA Axis Neo

r NA AU Ixigo

ar NA AU Xcite

₹20000 in prev calendar

ar month
AU Xcite ACE

ar ₹20000 in prev calendar AU Xcite ultra

month
 ₹20000 in prev calendar
ar ICICI Amazon pay
month

₹20000 in prev calendar

ar ICICI Coral Rupay
month

ar ₹20000 in prev calendar IDFC Wealth

month
₹20000 in prev calendar
ar month
IDFC select

r NA IDFC classic

r NA IDFC Millennia
r NA BOB PREMIER

r ₹20000 in prev calendar Qtr BOB Select

r ₹20000 in prev calendar Qtr BOB EASY

r ₹20000 in prev calendar Qtr HSBC VISA platinum

r ₹20000 in prev calendar Qtr SC platinum rewards

Indusind Rupay
ar NA Platinum
r NA Indusind Pinnacle

r ₹20000 in prev calendar Qtr Indusind Tiger

RBL Shoprite

Kotak League Platinum

Federal Celesta

Federal Imperio
 Federal Signet

Federal scapia

One Card

YES kiwi

Jupiter CSB Rupay

Indusind EazyDiner
Platinum
 AU Instapay

YES Rupay

Indusind Legend

HDFC PIXEL PLAY

Kotak 811 / Rupay

HSBC Premier
IDFC WOW

AXIS MyZone
Free Credit Cards (Mar 2025) List of RuPay cr
Base RR Best for Card Name

Zomato Offer, Bill payments

0.10 Offer Axis Airtel

Travel Bookings via Ixigo &

0.60 Lounge Access
Axis MyZone

0.50 Milestone Benefits Axis Neo

1.00 Milestone Benefits AU Ixigo

1.00 Milestone Benefits AU Spont

1.00 Shopping & other Online Txns HDFC MB+

UPI & ICICI Instant discount

0.50 offers
HDFC PIXEL Play

0.50 HDFC Rupay UPI

0.50 HDFC IndianOil

IDFC Instant discount offer &
Milestone rewards
0.50 HDFC TNI

0.50 HDFC TN+

0.50 HDFC IRCTC

0.20 BOB Instant discount offers ICICI Coral Rupay

0.20 SBI Simplysave

0.47 Instant discount offers SBI BPCL Octane

0.25 Instant discount offers SBI Elite

0.70 UPI & Instant discount offers IDFC SWYP

 Lounge Access & Golf &
1.88 Indusind Exclusive SA
IDFC Power +

0.40 Lounge & Movie Benefits BOB ETERNA

0.25 Grocery & Dept stores BOB TIARA

0.27 Instant discount offers BOB PREMIER

0.25 Lounge & Movie Benefits BOB Select

0.20 BOB Snapdeal

Instant discount offers
 Instant discount offers
0.16 BOB EASY

2.00 Lounge access BOB HPCL energie

Indusind Rupay
0.20 Instant discount offers Platinum

0.50 UPI RBL IndianOil XTRA

2.00 Miscellaneous RBL Shoprite

1.00 Dining Kotak Myntra

1.00 UPI Kotak IndianOil

Kotak League
1.00 UPI & Instant discount offers Platinum

0.50 Instant discount offers Federal Signet

1.00 Miscellaneous YES kiwi

0.50 Miscellaneous Jupiter CSB

Miscellaneous (LTF only for

3.00 premier customers)
YES Rupay
0.67 International Txns

0.40 Movies & Swiggy Offer

t of RuPay credit cards For UPI Payments
Reward Min Txn Provides Rewards on
Rate(RR)

1.00% ₹ 100 Any UPI App

0.40% ₹ 50 Any UPI App

0.10% ₹ 200 Any UPI App

0.63% ₹ 100 Any UPI App

1.00% NA AU 0101 App

0.33% ₹ 150 Any UPI App

1.00% ₹ 100 Any UPI App

0.75% ₹ 100 Any UPI App

0.64% ₹ 150 Any UPI App

1.50% NA TATA Neu App

1.00% NA TATA Neu App

1.00% ₹ 100 Any UPI App

0.50% ₹ 100 Any UPI App

0.16% NA Any UPI App

0.25% ₹ 100 Any UPI App

0.50% ₹ 100 Any UPI App

1.00% ₹ 100 Any UPI App

0.50% ₹ 150 Any UPI App

0.75% ₹ 100 Any UPI App

0.75% ₹ 100 Any UPI App

0.50% ₹ 100 Any UPI App

0.50% ₹ 100 Any UPI App

1.00% NA Any UPI App

0.20% ₹ 100 Any UPI App

0.33% ₹ 150 Any UPI App

0.70% ₹ 100 Any UPI App

1.00% ₹ 100 Any UPI App

0.25% ₹ 100 Any UPI App

1.25% ₹ 2,001 Any UPI App

0.50% ₹ 150 Any UPI App

0.27% ₹ 150 Any UPI App

0.16% ₹ 100 Any UPI App

1.00% ₹ 50 Kiwi App

0.40% ₹ 100 Jupiter App

1.00% ₹ 2,001 Any UPI App

 AMEX Credit Cards Reward Rate & ROI Calculation
AMEX Platinum Travel AMEX Gold charge card AMEX MRCC (Case 1)
Spends ₹ 400,000.00 Spends ₹ 72,000.00 Spends
Normal RR per Rs.100 2 Normal RR per Rs.100 2 Normal RR per Rs.100
Total Base Rewards 8,000 Total Base Rewards 1,440 Total Base Rewards
Sign up Bonus 12000 Sign up Bonus 6000 Sign up Bonus
Accelerated Rewards 40000 Accelerated Rewards 12000 Accelerated Rewards
Total Rewards 60,000 Total Rewards 19,440 Total Rewards
1 MR point = 0.50 1 MR point = 0.5 1 MR point =
Rewards value ₹ 30,000.00 Rewards value ₹ 9,720.00 Rewards value
TAJ voucher on 4L Milestone ₹ 10,000.00 voucher ₹ 0.00 voucher
Total Benefit ₹ 40,000.00 Total Benefit ₹ 9,720.00 Total Benefit
Reward rate 10.00% Reward rate 13.50% Reward rate
Annual Fee ₹ 5,900.00 Annual Fee(1st yr) ₹ 1,180.00 Annual Fee(1st yr)
ROI 8.53% ROI 11.86% ROI
Annual Fee(2nd yr) ₹ 5,310.00 Annual Fee(2nd yr)
ROI Remains Same for 2nd Year
ROI 6.13% ROI
Rewards Multiplier 3X Rewards Multiplier 5X Rewards Multiplier
(RM Spends) ₹ 400,000.00 (RM Spends) ₹ 72,000.00 (RM Spends)
Other spends ₹ 0.00 Other spends ₹ 0.00 Other spends
Total Base Rewards 24,000 Total Base Rewards 7200 Total Base Rewards
Total Rewards 76,000 Total Rewards 25200 Total Rewards
1 MR point = 0.6 1 MR point = 0.5 1 MR point =
Rewards value ₹ 45,600.00 Rewards value ₹ 12,600.00 Rewards value
TAJ voucher on 4L Milestone ₹ 10,000.00 TAJ voucher on 4L Milestone ₹ 0.00 TAJ voucher on 4L Milestone
Total Benefit ₹ 55,600.00 Total Benefit ₹ 12,600.00 Total Benefit
Reward rate 13.90% Reward rate 17.50% Reward rate
Annual Fee ₹ 5,900.00 Annual Fee(1st yr) ₹ 1,180.00 Annual Fee(1st yr)
ROI 12.43% ROI 15.86% ROI
Annual Fee(2nd yr) ₹ 5,310.00 Annual Fee(2nd yr)
NA
ROI 13.90% ROI

HDFC Credit Cards Reward R

 HDFC INFINIA HDFC DCB HDFC BIZ Black
Regular Spends ₹ 350,000.00 Regular Spends ₹ 340,000.00 Regular Spends
Insurance & Education ₹ 400,000.00 Insurance & Education ₹ 130,000.00 Business Spends(5X)
utilities & Grocery ₹ 120,000.00 utilities & Grocery ₹ 120,000.00 SmartBuy(10X)
SmartBuy(10X) ₹ 500,000.00 SmartBuy(10X) ₹ 270,000.00 Total Spends
Total Spends ₹ 1,370,000.00 Total Spends ₹ 860,000.00 Milestone Vouchers
Base RP per Rs.150 5 Base RP per Rs.150 5 Base RP per Rs.150
Total Base Rewards 29,000 Total Base Rewards 19,667 Total Base Rewards
Welcome/Renewal Benefit RP 12500 Welcome/Renewal Benefit RP 0 Welcome/Renewal Benefit RP
Accelerated Reward points 166,667 Accelerated Reward points 90,000 Accelerated Reward points
Milestone Bonus 0 Milestone Bonus 10,000 Total Reward points
Total Reward points 208,167 Total Reward points 119,667 1 Reward point =
1 Reward point = ₹ 1.00 1 Reward point = ₹ 1.00 Rewards value
Rewards value ₹ 208,166.67 Rewards value ₹ 119,666.67 Reward rate
Reward rate 15.19% Reward rate 13.91% Fee
Fee ₹0 Fee ₹0 Annual Fee
Annual Fee ₹ 14,750.00 Annual Fee ₹ 11,800.00 ROI
ROI 15.19% ROI 13.91%

Axis Atlas Credit card Note:

• Dining benefits are excluded.
Travel Spends ₹ 800,000 • Lounge benefits are not included here, as they are
Regular spends ₹ 200,000 non-spend-based benefits.
Excluded categories ₹ 100,000 • A maximum of 2 lakh spends per month on travel
Total Spends per anum ₹ 1,100,000 earns Edge Miles at the regular rate; after this, only
base reward rates apply.
Edge Miles per Rs.100 2 • Aggregator spends are not considered for 5 edge
Welcome Benefit 5000 miles; they only earn 2 Edge Miles.
Renewal Benefit 2500 • A maximum of 30,000 Edge Miles can be Transferred
to Group A partners.
Milestone Bonus 5000 • A maximum of 1,20,000 Edge Miles can be transferred
Edge Miles for Travel spends 40,000 to Group B.
Base Edge Miles 4,000 • The value of Edge Miles may be further enhanced
Total Edge Miles 56500 depending on how and where you transfer them.
! Edge Mile = ₹ 1.00
 to Group B.
• The value of Edge Miles may be further enhanced
depending on how and where you transfer them.

Miles value ₹ 56,500.00

Reward rate 5.14
Annual Fee ₹ 5,900
ROI 4.60
OI Calculation Note:
X MRCC (Case 1) AMEX MRCC (Case 2)
1. Reward rates for AMEX cards are computed based on
regular and milestone benefits, including AMEX RM
₹ 72,000.00 Spends ₹ 240,000.00 accelerated rewards.
2 Normal RR per Rs.100 2 2. The RM portal significantly enhances ROI, but its benefits
1,440 Total Base Rewards 4,800 are subject to periodic changes.
6000 Sign up Bonus 6000 3. Redemption options (cashback, flights, vouchers, etc.)
12000 Accelerated Rewards 24000 impact ROI, and conversion rates may vary.
19,440 Total Rewards 34,800 4. All reward structures and card benefits are sourced from
0.5 1 MR point = 0.5 the official bank website and are subject to change.
₹ 9,720.00 Rewards value ₹ 17,400.00 5. Milestone rewards are considered, assuming the
₹ 0.00 voucher ₹ 0.00 cardholder achieves the milestone every quarter or year.
₹ 9,720.00 Total Benefit ₹ 17,400.00 6. Users are encouraged to input their actual spends to
13.50% Reward rate 7.25% obtain a more accurate ROI and reward rate.
₹ 1,180.00 Annual Fee(1st yr) ₹ 0.00
11.86% ROI 7.25%
₹ 5,310.00
NA
6.13%
ards Multiplier 2X
₹ 72,000.00 (RM Spends) ₹ 240,000.00
₹ 0.00 Other spends ₹ 0.00
2880 Total Base Rewards (RM Spends) 9600
20,880 Total Rewards 39,600
0.5 1 MR point = 0.5
₹ 10,440.00 Rewards value ₹ 19,800.00
₹ 0.00 TAJ voucher on 4L Milestone ₹ 0.00
₹ 10,440.00 Total Benefit ₹ 19,800.00
14.50% Reward rate 8.25%
₹ 1,180.00 Annual Fee(1st yr) ₹ 0.00
12.86% ROI 8.25%
₹ 5,310.00
NA
7.12%

redit Cards Reward Rate & ROI Calculation

FC BIZ Black HDFC Regalia Gold HDFC DCP
₹ 300,000.00 Regular Spends ₹ 200,000.00 Regular Spends
₹ 500,000.00 5X category ₹ 100,000.00 5X category(Swiggy & Zomato)
₹ 270,000.00 SmartBuy(5X) ₹ 350,000.00 SmartBuy(10X)
₹ 1,070,000.00 Total Spends ₹ 650,000.00 Total Spends
₹ 10,000.00 Base RP per Rs.150 4 Milestone Voucher
5 Total Base Rewards 5,333 Base RP per Rs.150
10,000 Welcome/Renewal Benefit RP 0 Total Base Rewards
0 Accelerated Reward points 60,000 Welcome/Renewal Benefit RP
173,333 Milestone Bonus ₹ 5,000 Accelerated Reward points
183,333 Total Reward points 65,333 Total Reward points
₹ 1.00 1 Reward point = ₹ 0.50 1 Reward point =
₹ 193,333.33 Rewards value ₹ 37,666.67 Rewards value
18.07% Reward rate 5.79% Reward rate
₹0 Fee ₹0 Fee
₹ 11,800.00 Annual Fee ₹ 2,950.00 Annual Fee
18.07% ROI 5.79% ROI
 cards are computed based on
efits, including AMEX RM

ntly enhances ROI, but its benefits

nges.
shback, flights, vouchers, etc.)
n rates may vary.
nd card benefits are sourced from
nd are subject to change.
onsidered, assuming the
ilestone every quarter or year.
o input their actual spends to
OI and reward rate.

Note:
1. Reward rates for HDFC cards are computed based on regular and
milestone benefits, including SmartBuy accelerated rewards.
2. The SmartBuy platform significantly enhances ROI, but its benefits are
subject to periodic changes.
3. For certain cards, rewards are capped monthly or annually, affecting
 Note:
HDFC DCP 1. Reward rates for HDFC cards are computed based on regular and
₹ 100,000.00 milestone benefits, including SmartBuy accelerated rewards.
₹ 60,000.00 2. The SmartBuy platform significantly enhances ROI, but its benefits are
₹ 150,000.00 subject to periodic changes.
₹ 300,000.00 3. For certain cards, rewards are capped monthly or annually, affecting
₹ 1,500.00 the final reward rate.
4 4. Redemption options (cashback, flights, vouchers, etc.) impact ROI, and
2,667 conversion rates may vary.
0
5. This calculator is designed to focus on annual spends; hence, monthly
48,000
reward caps on specific categories are not considered.
50,667
6. All reward structures and card benefits are sourced from the official
₹ 0.50
bank website and are subject to change.
₹ 26,833.33
7. Milestone rewards are considered, assuming the cardholder achieves
8.94%
the milestone every quarter or year.
8. Users are encouraged to input their actual spends to obtain a more
₹0
accurate ROI and reward rate.
₹ 1,180.00
8.94%
 Whether counted for Any other specific
Card Name Exclusions RR(%) Rent surcharge and Limit
Annual fee waiver comnditions
Govt Services / TAX
Rent 2.40
Wallet Load
Insurance Rent up to ₹50000 is
1% per Txn
Axis Magnus No considered for Base
Education 2.40 Capped at ₹1500
and accelerated RP
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load Spends threshold for
Insurance Tier evaluation will 1% per Txn
Axis Atlas No
Education 4.00 exclude all these Capped at ₹1500
Gold / Jewellery categories
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% per Txn
Axis Horizon No None
Education
Gold / Jewellery 2.00
Fuel
Utility Bill payments
Govt Services / TAX YES
Rent
No
Wallet Load
Insurance 1% per Txn
Axis Indian Oil premium None
Education
Gold / Jewellery 0.67
YESS
Fuel 4.00
 1% per Txn
Axis Indian Oil premium None

YESS
Utility Bill payments
Govt Services / TAX
Rent
No
Wallet Load
Insurance 1% per Txn
Axis Flipkart None
Education
Gold / Jewellery
YESS
Fuel
Utility Bill payments
Govt Services / TAX
Rent
No
Wallet Load
Insurance 1% per Txn
Axis ACE None
Education
Gold / Jewellery
YESS
Fuel
Utility Bill payments 3.82
Govt Services / TAX
Rent
No
Wallet Load
Insurance 1% per Txn
Axis Airtel None
Education
Gold / Jewellery YESS
Fuel
Utility Bill payments 10.00
Govt Services / TAX
Rent
Wallet Load
Insurance 1% per Txn
Axis MyZone NA None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent

1% per Txn
Axis Neo NA None
 Wallet Load
Insurance 1% per Txn
Axis Neo NA None
Education
Gold / Jewellery
Fuel
Utility Bill payments 5.00
Govt Services / TAX 1.00
Rent 1.00
Wallet Load 1.00 Utility, Insurance,
Insurance 1.00 International Rent Txn: 0%
Rent, Education, Govt,
AU Zenith + YES Domestic Txns: 1% of Txn value
Education 1.00 Fuel are not eligible
(Min Rs.99+GST)
Gold / Jewellery 1.00 for Monthly Milestone
Fuel
Utility Bill payments 1.00
Govt Services / TAX
Rent
Wallet Load
Insurance 0.50 International Rent Txn: 0%
AU Vetta YES None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
Gold / Jewellery 0.50
Fuel
Utility Bill payments 2.50
Govt Services / TAX
Rent
Wallet Load
Insurance 0.25 Fuel Txns are not International Rent Txn: 0%
AU Altura + NA eligible for Monthly Domestic Txns: 1% of Txn value
Education Milestone (Min Rs.99+GST)
Gold / Jewellery 0.50
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance 0.50 International Rent Txn: 0%
AU Zenith YES None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
 International Rent Txn: 0%
AU Zenith YES None Domestic Txns: 1% of Txn value
(Min Rs.99+GST)
Gold / Jewellery 0.50
Fuel
Utility Bill payments 1.25
Govt Services / TAX
Rent
Wallet Load
Insurance 0.25 International Txns are International Rent Txn: 0%
AU Ixigo NA excluded from earning Domestic Txns: 1% of Txn value
Education rewards (Min Rs.99+GST)
Gold / Jewellery
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance International Rent Txn: 0%
AU Spont NA None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
Gold / Jewellery 1.00
Fuel
Utility Bill payments 1.00
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 International Rent Txn: 0%
AU Xcite NA None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
Gold / Jewellery 1.00
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 International Rent Txn: 0%
AU Xcite ACE NA None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
Gold / Jewellery 1.00
Fuel
Utility Bill payments 0.25
 Govt Services / TAX
Rent
Wallet Load
Insurance 4.50 International Rent Txn: 0%
AU Xcite ultra NA None Domestic Txns: 1% of Txn value
Education (Min Rs.99+GST)
Gold / Jewellery 4.50
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance 3.33 1% per Txn
HDFC INFINIA Metal YES None
Education 3.33 Fee capped at Rs.3000 per Txn
Gold / Jewellery 3.33
Fuel
Utility Bill payments 3.33
Govt Services / TAX
Rent
Wallet Load
Insurance 3.33 1% per Txn
HDFC DCB Metal YES None
Education 3.33 Fee capped at Rs.3000 per Txn
Gold / Jewellery 3.33
Fuel
Utility Bill payments 3.33
Govt Services / TAX
Rent
Wallet Load
Insurance 1.33 1% per Txn
HDFC Regalia Gold YES None
Education 1.33 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.33
Fuel
Utility Bill payments 1.33
Govt Services / TAX
Rent
Wallet Load
1% per Txn
HDFC DCP YES None
Fee capped at Rs.3000 per Txn
 Insurance 1.33 1% per Txn
HDFC DCP YES None
Education 1.33 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.33
Fuel
Utility Bill payments 1.33
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 1% per Txn
HDFC Millennia YES None
Education 1.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.00
Fuel
Utility Bill payments 1.00
Govt Services / TAX
Rent
Wallet Load
Insurance 0.33 1% per Txn
HDFC MoneyBack + YES None
Education 0.33 Fee capped at Rs.3000 per Txn
Gold / Jewellery 0.33
Fuel
Utility Bill payments 0.33
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 1% per Txn
HDFC Pixel Play YES None
Education 1.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.00
Fuel
Utility Bill payments 1.00
Govt Services / TAX
Rent
Wallet Load
Insurance 1% per Txn
HDFC UPI RuPay YES None
Education 0.25 Fee capped at Rs.3000 per Txn
Gold / Jewellery 0.25
 1% per Txn
HDFC UPI RuPay YES None
Fee capped at Rs.3000 per Txn

Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance 0.64 1% per Txn
HDFC Indian Oil YES None
Education 0.64 Fee capped at Rs.3000 per Txn
Gold / Jewellery 0.64
Fuel 4.50
Utility Bill payments 0.64
Govt Services / TAX
Rent
Wallet Load
Insurance 1.50 1% per Txn
HDFC TATA Neu Infinity YES None
Education 1.50 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.50
Fuel
Utility Bill payments 5.00
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 1% per Txn
HDFC TATA Neu plus YES None
Education 1.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 1% per Txn
HDFC Swiggy YES None
Education 1.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery
Fuel
Utility Bill payments 1.00
Govt Services / TAX

Gift cards/Voucher
1% per Txn
HDFC Marriot Bonvoy NA purchases are
Fee capped at Rs.3000 per Txn
excluded
 Rent
Wallet Load
Insurance 0.67 Gift cards/Voucher
1% per Txn
HDFC Marriot Bonvoy NA purchases are
Education 0.67 Fee capped at Rs.3000 per Txn
excluded
Gold / Jewellery 0.67
Fuel
Utility Bill payments 0.67
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00 1% per Txn
HDFC IRCTC YES None
Education 1.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery 1.00
Fuel
Utility Bill payments 1.00
Govt Services / TAX
Rent
Wallet Load
HDFC IndiGo 6E Rewards Insurance 22.00 1% per Txn
YES None
XL Education 2.00 Fee capped at Rs.3000 per Txn
Gold / Jewellery 2.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX 33.33*
Rent
Wallet Load
Insurance 3.33 1% per Txn
HDFCBiz Black Metal YES None
Education Fee capped at Rs.3000 per Txn
Gold / Jewellery 3.33
Fuel
Utility Bill payments 3.33
Govt Services / TAX
Rent
Wallet Load
ICICI Emeralde private Insurance 3.00 1%
YES None
Metal
ICICI Emeralde private 1%
YES None
Metal Education 3.00
Gold / Jewellery 3.00
Fuel
Utility Bill payments 3.00
Govt Services / TAX 2.00
Rent
Wallet Load 2.00
Insurance 2.00 1%
ICICI Times Black YES None
Education 2.00
Gold / Jewellery 2.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX
Rent
The spend threshold
Wallet Load for Lounge access
Insurance 0.25 benefits will exclude 1%
ICICI Sapphiro YES
Education 0.50 rent, government, and
Gold / Jewellery 0.50 education payments
made via credit card.
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
The spend threshold
Wallet Load for Lounge access
Insurance 0.25 benefits will exclude 1%
ICICI Rubyx YES
Education 0.50 rent, government, and
Gold / Jewellery 0.50 education payments
made via credit card.
Fuel
Utility Bill payments 0.25
Govt Services / TAX 1.00
Rent
Wallet Load
Insurance 1.00 1%
ICICI MMT YES None
Education 1.00
Gold / Jewellery 1.00
Fuel 1.00
 1%
ICICI MMT YES None

Utility Bill payments 1.00

Govt Services / TAX 1.00
Rent 1.00
Wallet Load 2.00
Insurance 2.00 1%
ICICI Amazon pay NA None
Education 1.00
Gold / Jewellery 1.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX
Rent The spend threshold
Wallet Load for milestone &
Insurance 0.25 Lounge access
1%
ICICI Coral RuPay NA benefits will exclude
Education 0.50 rent, government, and
Gold / Jewellery 0.50 education payments
Fuel made via credit card.
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance Railway tkt bookings
SBI Cashback YES Rs.199+GST per Txn
Education are also excl
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 0.25
SBI Simplyclick YES None Rs.199+GST per Txn
Education 0.25
Gold / Jewellery 0.25
Fuel
Utility Bill payments
Govt Services / TAX
Rent

SBI SimplySave YES None Rs.199+GST per Txn

 Wallet Load
Insurance 0.16
SBI SimplySave YES None Rs.199+GST per Txn
Education 0.16
Gold / Jewellery 0.16
Fuel
Utility Bill payments 0.16
Govt Services / TAX
Rent
Wallet Load
Insurance 0.25
SBI BPCL Octane YES None Rs.199+GST per Txn
Education 0.25
Gold / Jewellery 0.25
Fuel 6.25
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance 0.50
SBI Prime YES None Rs.199+GST per Txn
Education 0.50
Gold / Jewellery 0.50
Fuel
Utility Bill payments 0.50
Govt Services / TAX
Rent
Wallet Load
Insurance 0.50
SBI Elite YES None Rs.199+GST per Txn
Education 0.50
Gold / Jewellery 0.50
Fuel
Utility Bill payments 0.50
Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Mayura YES
Education 0.50 rewards and Min Rs.249+GST
not counted towards
10X Milestone
 Govt, Rent, wallet
load, Education txns
will not earn 10X 1% of Txn amount
IDFC Mayura YES
rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Ashva YES
Education 0.50 rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Wealth NA
Education 0.50 rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Select NA
Education 0.50 rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Classic NA
Education 0.50 rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
 Govt Services / TAX 0.50
Rent 0.50
Govt, Rent, wallet
Wallet Load 0.50 load, Education txns
Insurance 0.17 will not earn 10X 1% of Txn amount
IDFC Millennia NA
Education 0.50 rewards and Min Rs.249+GST
Gold / Jewellery 0.50 not counted towards
10X Milestone
Fuel
Utility Bill payments 0.17
Govt Services / TAX 0.67
Rent 0.67
Wallet Load 0.67
Insurance 0.17 1% of Txn amount
IDFC WOW NA None
Education 0.67 Min Rs.249+GST
Gold / Jewellery 0.67
Fuel
Utility Bill payments 0.17
Govt Services / TAX 1.00
Rent
Wallet Load 1.00 Rent, Fuel, utility Txns
Insurance 1.00 are 1% of Txn amount
IDFC SWYP YES
Education 1.00 not counted towards Min Rs.249+GST
Gold / Jewellery 1.00 Milestone
Fuel
Utility Bill payments
Govt Services / TAX 0.33
Rent
Wallet Load 0.33
Insurance 0.33 1% of Txn amount
IDFC Power + YES None
Education 0.33 Min Rs.249+GST
Gold / Jewellery 0.33
Fuel 5.00
Utility Bill payments 2.50
Govt Services / TAX
Rent
Wallet Load
1% of Txn amount
BOB Eterna YES None
 Insurance 1% of Txn amount
BOB Eterna YES None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB Tiara YES None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB Premier YES None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB Select YES None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB Easy YES None
Education
Gold / Jewellery
 1% of Txn amount
BOB Easy YES None

Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB Snapdeal YES None
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance 1% of Txn amount
BOB HPCL Energie YES None
Education
Gold / Jewellery
Fuel 4.00
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance
HSBC TravelOne YES None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX 3.00
Rent 3.00
Wallet Load 3.00 can earn Rewards on
Insurance 3.00 these categories on
HSBC Premier YES 1% per Txn
Education 3.00 cumulative spends of
Gold / Jewellery 3.00 ₹1 Lakh per month
Fuel
Utility Bill payments 3.00
Govt Services / TAX

HSBC Live + YES None 1% per Txn

 Rent
Wallet Load
Insurance
HSBC Live + YES None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX 0.67
Rent 0.67
Wallet Load 0.67
Insurance 0.67
HSBC VISA Platinum YES None 1% per Txn
Education 0.67
Gold / Jewellery 0.67
Fuel
Utility Bill payments 0.67
Govt Services / TAX 2.00
Rent 2.00
Wallet Load 2.00
Insurance 2.00
SC Ultimate YES None 1% per Txn
Education 2.00
Gold / Jewellery 3.33
Fuel 3.33
Utility Bill payments 2.00
Govt Services / TAX 0.50
Rent 0.50
Wallet Load 0.50
Insurance 0.50
SC EaseMyTrip YES None 1% per Txn
Education 0.50
Gold / Jewellery 0.50
Fuel 0.50
Utility Bill payments 0.50
Govt Services / TAX 2.00
Rent 2.00
Wallet Load 2.00
Insurance 2.00
SC smart YES None 1% per Txn
 SC smart YES None 1% per Txn
Education 2.00
Gold / Jewellery 2.00
Fuel 3.33
Utility Bill payments 2.00
Govt Services / TAX 0.25
Rent 1.00
Wallet Load 1.00
Insurance 0.25
SC Rewards YES None 1% per Txn
Education 1.00
Gold / Jewellery 1.00
Fuel 0.00
Utility Bill payments 1.00
Govt Services / TAX 0.25
Rent 0.25
Wallet Load 0.25
Insurance 0.25
SC Platinum Rewards NA None 1% per Txn
Education 0.25
Gold / Jewellery 0.25
Fuel 1.25
Utility Bill payments 0.25
Govt Services / TAX 12.00
Rent 12.00
Wallet Load 12.00
Insurance
AMEX Platinum Travel YES None NA
Education 12.00
Gold / Jewellery 12.00
Fuel
Utility Bill payments
Govt Services / TAX 18.00
Rent 18.00
Wallet Load 18.00
Insurance
AMEX Gold charge YES None NA
Education 18.00
Gold / Jewellery 18.00
Fuel 18.00
AMEX Gold charge YES None NA

Utility Bill payments 18.00

Govt Services / TAX 18.00
Rent 18.00
Wallet Load 18.00
AMEX Membership Insurance
YES None NA
Rewards Education 18.00
Gold / Jewellery 18.00
Fuel
Utility Bill payments
Govt Services / TAX 1.00
Rent 1.00
Wallet Load 1.00
Insurance
AMEX SmartEarn YES None NA
Education 1.00
Gold / Jewellery 1.00
Fuel
Utility Bill payments
Govt Services / TAX 0.25
Rent 0.70
Wallet Load
Insurance 0.25 RP can only be earned
Indusind Rupay
NA up to credit limit 1% per txn
platinum Education 0.25 assigned to card
Gold / Jewellery 0.70
Fuel
Utility Bill payments 0.25
Govt Services / TAX 0.80
Rent 0.80
Wallet Load
Insurance 0.80 RP can only be earned
Indusind EaztDiner
YES up to credit limit 1% per txn
Signature Education 0.80 assigned to card
Gold / Jewellery 0.80
Fuel
Utility Bill payments 0.80
Govt Services / TAX 0.52
Rent 0.52

RP can only be earned

Indusind Pinnacle NA up to credit limit 1% per txn
assigned to card
 Wallet Load
Insurance 0.52 RP can only be earned
Indusind Pinnacle NA up to credit limit 1% per txn
Education 0.52 assigned to card
Gold / Jewellery 0.52
Fuel
Utility Bill payments 0.52
Govt Services / TAX
Rent
Wallet Load Accelerated Reward
Insurance points will not be
Indusind Tiger NA accrued on 1% per txn
Education transactions done on
Gold / Jewellery 0.40 these categories
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load Minimum 1% of transaction
Insurance 1.25 value or Rs 199 whichever is
YES MARQUEE YES None higher
Education 1.25 rental transactions are capped
Gold / Jewellery 1.25 at 3 per 30 days period
Fuel
Utility Bill payments 1.25
Govt Services / TAX
Rent 0.75
Wallet Load 0.75 Minimum 1% of transaction
Insurance 0.75 value or Rs 199 whichever is
YES RESERV YES None higher
Education 0.75 rental transactions are capped
Gold / Jewellery 0.75 at 3 per 30 days period
Fuel
Utility Bill payments 0.75
Govt Services / TAX
Rent 0.50
Wallet Load 0.50 Minimum 1% of transaction
Insurance 0.50 value or Rs 199 whichever is
YES Elite + YES None higher
Education 0.50 rental transactions are capped
at 3 per 30 days period
 Minimum 1% of transaction
value or Rs 199 whichever is
YES Elite + YES None higher
rental transactions are capped
Gold / Jewellery 0.50 at 3 per 30 days period
Fuel
Utility Bill payments 0.50
Govt Services / TAX
Rent 0.25
Wallet Load 0.25 Minimum 1% of transaction
Insurance 0.25 value or Rs 199 whichever is
YES ACE YES None higher
Education 0.25 rental transactions are capped
Gold / Jewellery 0.25 at 3 per 30 days period
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent 0.50
Wallet Load 0.50 Minimum 1% of transaction
Insurance 0.50 value or Rs 199 whichever is
YES First Business YES None higher
Education 0.50 rental transactions are capped
Gold / Jewellery 0.50 at 3 per 30 days period
Fuel
Utility Bill payments 0.50
Govt Services / TAX
Rent
Wallet Load No All these categories
Insurance are excluded except
RBL Indian Oil XTRA 1% per Txn
Education Gold / Jewellery for
Gold / Jewellery 1.00 Milestone
YES
Fuel 7.50
Utility Bill payments No
Govt Services / TAX 0.50
Rent
Wallet Load
Insurance 0.50 No rewards on
RBL world safari NA 1% per Txn
Education 0.50 Internnational Txns
Gold / Jewellery 0.50
Fuel
Utility Bill payments 0.50
 Govt Services / TAX
Rent
Wallet Load
Insurance No rewards on All
RBL Shoprite No 1% per Txn
Education these categories
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX 1.25
Rent
Wallet Load
Insurance 1.25
Kotak Myntra YES None 1% per Txn
Education 1.25
Gold / Jewellery 1.25
Fuel
Utility Bill payments 1.25
Govt Services / TAX
Rent
Wallet Load
Kotak IndiGo 6E rewards Insurance 2.00
YES None 1% per Txn
XL Education
Gold / Jewellery 2.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX 0.50
Rent 0.50
Wallet Load 0.50
Insurance 0.50
Kotak IndianOil YES None 1% per Txn
Education 0.50
Gold / Jewellery 0.50
Fuel 4.00
Utility Bill payments 0.50
Govt Services / TAX 0.27
Rent
Wallet Load
Kotak League Platinum NA None 1% per Txn
 Insurance 0.27
Kotak League Platinum NA None 1% per Txn
Education 0.27
Gold / Jewellery 0.27
Fuel
Utility Bill payments 0.27
Govt Services / TAX 0.83
Rent 0.83
Wallet Load 0.83
Insurance 0.83
Kotak Zen Signature YES None 1% per Txn
Education 0.83
Gold / Jewellery 0.83
Fuel
Utility Bill payments 0.83
Govt Services / TAX 0.50
Rent 0.50
Wallet Load 0.50
Kotak Privy League Insurance 0.50
YES None 1% per Txn
signature Education 0.50
Gold / Jewellery 0.50
Fuel
Utility Bill payments 0.50
Govt Services / TAX 1.67
Rent 1.67
Wallet Load 1.67
Insurance 1.67
Kotak White Reserve YES None 1% per Txn
Education 1.67
Gold / Jewellery 1.67
Fuel
Utility Bill payments 2.00
Govt Services / TAX 1.00
Rent 1.00
Wallet Load 1.00
Insurance 1.00
Kotak White YES None 1% per Txn
Education 1.00
Gold / Jewellery 1.00
 Kotak White YES None 1% per Txn

Fuel
Utility Bill payments 2.25
Govt Services / TAX
Rent
Wallet Load
Insurance
Federal Celesta NA None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments 0.25
Govt Services / TAX
Rent
Wallet Load
Insurance
Federal Imperio NA None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments 0.20
Govt Services / TAX
Rent
Wallet Load
Insurance
Federal Signet NA None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments 0.16
Govt Services / TAX
Rent
Wallet Load
Insurance 1.00
One Card NA None 1% per Txn
Education 1.00
Gold / Jewellery 1.00
Fuel
Utility Bill payments 1.00
Govt Services / TAX 2.00

No rewards on
Federal Scapia NA 1% per Txn
Internnational Txns
 Rent
Wallet Load
Insurance 2.00 No rewards on
Federal Scapia NA 1% per Txn
Education Internnational Txns
Gold / Jewellery 2.00
Fuel
Utility Bill payments 2.00
Govt Services / TAX
Rent
Wallet Load
Insurance
Yes kiwi NA None NA
Education
Gold / Jewellery
Fuel
Utility Bill payments
Govt Services / TAX
Rent
Wallet Load
Insurance
Jupiter CSB Rupay NA None 1% per Txn
Education
Gold / Jewellery
Fuel
Utility Bill payments 0.40
 Education fee payment Utility payment Fee and
Wallet load Fee and Limit Fuel Txn fee and limit
charges and Limit Limit

I have compiled the maxim

not explicitly mentioned b
1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle

1. Rent Surcharge and Lim

• This column specifies th
• Some banks impose mo

2. Education Fee Payment

• Indicates the fee structu
1% on cumulative spends • Some banks have set tra
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle 3. Wallet Load Fee and Lim
stmt cycle
• Specifies the transaction
• Many banks exclude wa
4. Utility Payment Fee and
• Covers fees applicable o
• Some banks impose a su
5. Fuel Transaction Fee an
1% on cumulative spends • Specifies the surcharge
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a • Many banks provide a fu
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle
6. Whether These Categor
• YES: Transactions in this
• NO: Transactions in this
• NA: Applicable to Lifetim

7. Reward Rate on These C

• Indicates the reward po
1% on cumulative spends • Some transactions may
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle 8. Any Other Exclusions
stmt cycle
• Highlights additional exc
o Transactions that do no
o Categories that do not c
o Any other restrictions m
 1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle 8. Any Other Exclusions
stmt cycle
• Highlights additional exc
o Transactions that do no
o Categories that do not c
o Any other restrictions m

General Disclaimer
1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of
of ₹25000 or More in a
1% on cumulative spends of • The categorization of
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle based logic to determine re
stmt cycle
• Surcharges, limits, and
• Customers are advised

1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle

1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle

1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle

1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle
 1% on cumulative spends
1% Fee on Education payments 1% on cumulative spends of 1% on cumulative spends of
of ₹25000 or More in a
made via third party Apps ₹10000 or More in a stmt cycle ₹50000 or More in a stmt cycle
stmt cycle

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower
 1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower
 1% (min 99+GST) 1%
1%
Applicable on education if spends exceeds 50% of credit
0 if spends exceed Rs.50000
payments done limit or
per stmt cycle
through third party app Rs.50,000, whichever is lower

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn
 1% of Txn value Applicable
if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn
 if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
 1% of Txn value Applicable
if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% of Txn value Applicable

if Tsn value exceeds 1% of Txn value Applicable if
1%
Rs.50000 for consumer Tsn value exceeds Rs.15000 for
Applicable on education
0.00 cards and Rs.75000 for consumer cards and Rs.30000
payments done
Business cards for Business cards
through third party app
Fee capped at Rs. 3000 per Fee capped at Rs. 3000 per Txn
Txn

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000
1% on payments done via 1% on Txns above
0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000
1% on payments done via 1% on Txns above
0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on payments done via 1% on Txns above

0.00 1% on Txns above Rs.10000
third-party Apps Rs.50000

1% on Txns above
0 NA NA
Rs.50000

1% on Txns above
0 NA NA
Rs.50000

1% on Txns above
0 NA NA
Rs.50000
 1% on Txns above
0 NA NA
Rs.50000

1% on Txns above
0 NA NA
Rs.50000

1% on Txns above
0 NA NA
Rs.50000

1% on Txns above
0 NA NA
Rs.50000

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.
1% of the transaction amount
subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.
1% of the transaction amount
subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% of the transaction amount

subject to a min 1% on Fuel Spends if Fuel
1% if Txn amount exceeds
of ₹249 will be applicable on NA spends in a statement cycle
Rs.20000
education payments made exceed `30,000
through third-party apps.

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000
 1% if Txn amount exceeds 1% if Txn amount exceeds
NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000
 1% if Txn amount exceeds 1% if Txn amount exceeds
NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000

1% if Txn amount exceeds 1% if Txn amount exceeds

NA 1% of Txn amount
Rs.50000 Rs.10000

NA NA NA NA

NA NA NA NA

NA NA NA NA
NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA
NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA
 NA NA NA NA

NA NA NA NA

NA NA NA NA

1% if Txn exceeds 45000 per

1% on Txn amt baove Rs.20000 1% on Txn amt baove
stmt cycle via third-party NA
per stmt cycle Rs.25000 per stmt cycle
Apps/Sites

1% if Txn exceeds 45000 per

1% on Txn amt baove Rs.20000 1% on Txn amt baove
stmt cycle via third-party NA
per stmt cycle Rs.25000 per stmt cycle
Apps/Sites

1% if Txn exceeds 45000 per

1% on Txn amt baove Rs.20000 1% on Txn amt baove
stmt cycle via third-party NA
per stmt cycle Rs.25000 per stmt cycle
Apps/Sites
1% if Txn exceeds 45000 per
1% on Txn amt baove Rs.20000 1% on Txn amt baove
stmt cycle via third-party NA
per stmt cycle Rs.25000 per stmt cycle
Apps/Sites

1% if Txn exceeds 45000 per

1% on Txn amt baove Rs.20000 1% on Txn amt baove
stmt cycle via third-party NA
per stmt cycle Rs.25000 per stmt cycle
Apps/Sites

1%+GST will be levied on every

% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month

1%+GST will be levied on every

% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month

1%+GST will be levied on every

% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month
 1%+GST will be levied on every
% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month

1%+GST will be levied on every

% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month

1%+GST will be levied on every

% will be applicable on all
1%+GST will be levied on Minimum 1% of transaction fuel transaction of value
utility transactions on
education transactions done value or Rs 1 whichever is higher greater than ₹ 10,000. Total
Spends above ₹15,000 in a
through third-party websites will be levied on all Wallet Fuel Transaction charges will be
month. Fee capped at
and apps transactions capped at ₹5,000 per calendar
Rs.3000 in a month
month

!% per Txn done via third-party 1% above 50000 per stmt 1% above 10000 Txn amt per
NA
Apps cycle stmt cycle

!% per Txn done via third-party 1% above 50000 per stmt 1% above 10000 Txn amt per
NA
Apps cycle stmt cycle
!% per Txn done via third-party 1% above 50000 per stmt 1% above 10000 Txn amt per
NA
Apps cycle stmt cycle

NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA
NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA

NA NA NA NA
NA NA NA NA

NA 1% per Txn NA NA

NA 1% per Txn NA NA

NA 1% per Txn NA NA

NA 1% per Txn NA NA

1% on Txn amt above

1% on Txn amt above 50000 1% on Txn amt above 50000
NA 50000
caped at Rs.3000 caped at Rs.3000
caped at Rs.3000
 1% on Txn amt above
1% on Txn amt above 50000 1% on Txn amt above 50000
NA 50000
caped at Rs.3000 caped at Rs.3000
caped at Rs.3000

NA NA NA NA

NA NA NA NA
 Disclaimer & Explanation of Columns
I have compiled the maximum possible information regarding exclusions, limits, surcharges, and reward rates on various credit card transaction categories. However, some limi
not explicitly mentioned by banks, and all reward rates, fees, and surcharges are subject to change as per bank policies and periodic revisions. Please verify with your bank’s offi
website or MITC (Most Important Terms & Conditions) for the latest updates.

1. Rent Surcharge and Limit

• This column specifies the surcharge applicable when paying rent via credit cards, either as a fixed fee or a percentage of the transaction amount.
• Some banks impose monthly or yearly limits on rent payments via credit cards, beyond which additional charges may apply.

2. Education Fee Payment Charges and Limit

• Indicates the fee structure applicable to education-related transactions done via Third-party Apps but not Applicable for Txns done directly on school/college/university port
• Some banks have set transaction limits or exclude education payments from reward programs.
3. Wallet Load Fee and Limit
• Specifies the transaction fee applicable when loading money into digital wallets using credit cards.
• Many banks exclude wallet loads from earning reward points or milestone benefits.
4. Utility Payment Fee and Limit
• Covers fees applicable on utility bill payments (electricity, water, gas, broadband, etc.).
• Some banks impose a surcharge or limit on these payments, and they may be excluded from reward point accrual.
5. Fuel Transaction Fee and Limit
• Specifies the surcharge or transaction fee applicable when using credit cards for fuel purchases.
• Many banks provide a fuel surcharge waiver up to a certain limit, but reward points are generally not awarded on fuel spends.
6. Whether These Categories Are Counted for Annual Fee Waiver
• YES: Transactions in this category are considered towards the annual spending requirement for a fee waiver.
• NO: Transactions in this category are not counted towards the annual fee waiver calculation.
• NA: Applicable to Lifetime Free (LTF) cards where an annual fee waiver condition does not exist.

7. Reward Rate on These Categories

• Indicates the reward points, cashback, or other benefits earned on transactions in each category.
• Some transactions may earn standard reward points, while others (such as fuel, wallet loads, or government services) might be ineligible for any rewards.
8. Any Other Exclusions
• Highlights additional exclusions, such as:
o Transactions that do not qualify for accelerated reward points.
o Categories that do not count towards milestone benefits.
o Any other restrictions mentioned in the bank’s MITC or official website.
8. Any Other Exclusions
• Highlights additional exclusions, such as:
o Transactions that do not qualify for accelerated reward points.
o Categories that do not count towards milestone benefits.
o Any other restrictions mentioned in the bank’s MITC or official website.

General Disclaimer
• The categorization of transactions is based on Merchant Category Codes (MCC) assigned by card networks (Visa, MasterCard, RuPay, etc.). Banks may use MC
based logic to determine rewards, fees, and exclusions.
• Surcharges, limits, and reward policies may vary across banks and card variants. Changes and updates may occur periodically at the bank’s discretion.
• Customers are advised to check their bank’s official terms and conditions for the latest and most accurate information.
ction categories. However, some limits are
ons. Please verify with your bank’s official

n amount.

ctly on school/college/university portals

e for any rewards.

d, RuPay, etc.). Banks may use MCC-

at the bank’s discretion.