212 Credit Cards Evaluated

• 5% cashback on online spends and 1% on offline spends

• caps per statement cycle: ₹2,000 online, ₹2,000 offline, ₹4,000 in total. No cashback on fuel, wallet loads, rent, jewellery, school and education, utilities, insurance, card/gift/novelty shops, railways, quasi-cash, digital gaming, tolls and government-related transactions, nor on EMIs, Flexipay, standing-instruction / Fetch and Pay payments, cash advances, ATM withdrawals and financial charges. 1% fuel surcharge waiver on ₹500-₹3,000 (max ₹100 per statement).

• 7.5% Myntra

• 5% Flipkart (including Shopsy and Flipkart Travel) and Cleartrip

• 4% at 4 select preferred partners (Netmeds, PVR, Uber, Zomato

• the partner list is subject to change)

• 1% on all other eligible spends. No cashback on fuel, wallet load, rent, government, education, jewellery, insurance, gaming and EMI spends

• 10 RP/₹100 (10X) only on the 11 exclusive online partners (Apollo 24|7, BookMyShow, Cleartrip, Domino's, GyFTR e-gift vouchers, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ, Yatra)

• 5 RP/₹100 (5X) on all other online spends, capped at 10,000 RP per calendar month, then 1 RP/₹100

• the earn rate for offline / in-store spends is not stated in the supplied terms

• no points on e-wallet loads, offline fuel, rent (from 1 Apr 2024), government (from 1 Jun 2024) and digital gaming (from 1 Dec 2024)

• 10 RP/₹100 on dining, grocery, departmental stores & movies (capped at 7,500 RP per calendar month, then 2 RP/₹100)

• 2 RP/₹100 on all other eligible retail purchases

• 20 RP/₹100 on birthday spends (capped at 2,000 RP/yr)

• 20 RP/₹100 on utility SI (capped at 3,000 RP/mo)

• exclusions: fuel, wallet, rent (MCC 6513) and government (MCC 9399 / 9311) per Shop & Smile Section IV(f)(g) for the cards on its attached list

• 10 RP/₹100 on dining, grocery & departmental stores (capped at 10,000 RP per calendar month, then 2 RP/₹100)

• 2 RP/₹100 on all other eligible retail purchases and international spends

• exclusions: fuel, wallet, rent (MCC 6513) and government (MCC 9399 / 9311) per Shop & Smile Section IV(f)(g) for the cards on its attached list

• 13 RP/₹100 BPCL fuel (capped 1,300 RP/cycle)

• 5X groceries, departmental stores, movies & dining (capped 5,000 RP/month)

• 1 RP/₹100 all other retail

• 25X (25 RP/₹100) BPCL fuel (capped 2,500 RP/cycle)

• 25X Bharat Gas LPG (capped 500 RP/cycle)

• 10X dining, groceries, departmental stores, movies (capped 7,500 RP/month)

• 1 RP/₹100 retail

• 5 RP/₹150 base (3.33%)

• up to 10X on SmartBuy travel/shopping

• 5 RP/₹150 base (3.33%)

• 2X weekend dining

• up to 10X on SmartBuy

• 4 RP/₹150 base

• 5X retail accelerators (Myntra/Nykaa/M&S/Reliance Digital capped 5,000 RP/mo)

• 5% cashback partner merchants (capped ₹1,000/mo)

• 1% other eligible retail

• 10% Swiggy app (capped ₹1,500/cycle, min ₹249 txn)

• 5% online partner MCCs (capped ₹1,500/cycle)

• 1% other (capped ₹500/cycle)

• 5% NeuCoins on Tata Neu (+5% NeuPass)

• 1.5% non-Tata retail

• 1.5% UPI via Tata Neu (capped 500 NeuCoins/mo)

• 2% NeuCoins on Tata Neu (+5% NeuPass)

• 1% non-Tata retail

• 1% UPI via Tata Neu (capped 500 NeuCoins/mo)

• 5% cashback on 2 chosen merchant packs

• 3% on Amazon/Flipkart/PayZapp

• 1% RuPay UPI & other (each capped 500 CP/mo)

• 12 EDGE/₹200 up to ₹1.5L

• 35 EDGE/₹200 incremental above ₹1.5L

• 5 EDGE Miles/₹100 Travel Edge & airlines

• 2 EDGE Miles/₹100 other

• 5 EDGE Miles/₹100 Travel Edge & airlines

• 2 EDGE Miles/₹100 other

• 5% Google Pay bill/DTH

• 4% Swiggy/Zomato/Ola

• 2% other

• 25% Airtel Thanks

• 10% utility via Airtel Thanks

• 10% Swiggy/Zomato/BigBasket

• 1% other

• 7.5% Myntra

• 5% Flipkart/Cleartrip

• 1% other

• 10 EDGE/₹200 retail shopping up to threshold

• 2 EDGE/₹200 other

• 5% Amazon.in Prime

• 3% non-Prime

• 2% Amazon Pay merchant partners

• 1% other eligible retail

• 6 RP/₹200 retail

• grocery/utility/education capped 1,000 RP/mo

• insurance capped 5,000 RP/mo

• 4 RP/₹100 domestic/international

• 1 RP/₹100 utility & insurance

• 4 RP/₹100 international

• 2 RP/₹100 domestic

• 1 RP/₹100 utility & insurance

• 4 RP/₹100 international

• 2 RP/₹100 domestic

• 1 RP/₹100 utility & insurance

• 2 RP/₹100 retail

• 1 RP/₹100 utility & insurance

• 20 RP/₹100 daily essentials (capped 400 RP/mo)

• 4% fuel cashback (capped ₹200/mo) + 1% waiver

• 2 RP/₹100 retail

• 2 RP/₹100 eligible domestic retail

• 5 RP/₹100 eligible travel

• 2 RP/₹100 eligible retail

• 20 RP/₹100 eligible international and weekend dining

• 10 Fuel Points/₹100 eligible IndianOil fuel

• 1 FP/₹100 other eligible

• 20 RP/₹100 eligible grocery

• 1 RP/₹100 base

• Benefit-led card

• ₹500 BookMyShow benefit after qualifying spend

• 1% eligible cashback

• 1% eligible cashback

• 1 RP/₹100 domestic travel

• 5 RP/₹100 flights & hotels via RBL Rewards

• 15 Fuel Points/₹100 eligible IndianOil fuel

• 2 FP/₹100 other eligible

• 1 RP/₹100 base

• product-specific accelerated online rewards

• 2 RP/₹100 base

• 10 RP/₹100 eligible online

• 1 RP/₹100 base

• 20 RP/₹100 eligible weekend dining

• 1X base

• 5X grocery

• 2X other

• 5X fuel

• 10X grocery

• 5 RP/₹100 domestic

• 10 RP/₹100 international

• 1 RP/₹100 base

• 5 RP/₹100 eligible UPI

• 10 RP/₹100 incremental UPI above ₹20,000

• 10 RP/₹150 dining, movies, grocery, departmental stores (capped 5,000 RP/month, then 1 RP/₹150)

• 1 RP/₹150 all other categories

• 10 RP/₹100 on dining, movies, chemist & pharmacy, and sports (shared monthly cap 7,500 RP, then 2 RP/₹100)

• 2 RP/₹100 all other retail spends

• fuel petrol pumps excluded (1% fuel surcharge waiver on ₹500-₹4,000)

• rent and wallet excluded

• Up to 10% value back in Travel Reward Points on AC railway tickets booked on irctc.co.in / app (4% off-season, 10% peak season)

• 1 RP/₹125 all other eligible retail

• 10 Travel RP/₹125 (8% value back, up to 10%) on AC railway tickets

• 5 RP/₹125 on IRCTC Air (capped 750 RP/cycle) & E-Catering

• 3 RP/₹125 on dining & utility SI

• 1 RP/₹125 all other retail

• 2 Travel Credits/₹200 (1 TC/₹100) on travel MCCs

• 1 Travel Credit/₹200 (0.5 TC/₹100) on other eligible retail spends

• overall monthly accrual cap 5,000 Travel Credits

• fuel, wallet, rent, education, utilities, insurance, quasi cash/government excluded

• 1% fuel surcharge waiver (₹500-₹3,000, max ₹250/stmt)

• 4 Travel Credits/₹200 (2 TC/₹100) on travel MCCs

• 2 Travel Credits/₹200 (1 TC/₹100) on other eligible retail spends

• no monthly cap is stated in the supplied booklet or in the SBI Rewards Program T&C (documented source gap

• none applied)

• fuel, wallet, rent, education, utilities, insurance, quasi cash/government excluded

• 1% fuel surcharge waiver (₹500-₹3,000, max ₹250/stmt)

• 6 Travel Credits/₹200 (3 TC/₹100) on travel MCCs

• 2 Travel Credits/₹200 (1 TC/₹100) on other eligible retail spends

• overall monthly accrual cap 15,000 Travel Credits

• fuel, wallet, rent, education, utilities, insurance, quasi cash/government excluded

• 1% fuel surcharge waiver (₹500-₹3,000, max ₹250/stmt)

• 3 RP/₹100 on PhonePe in-app (Recharges, Utilities, Bill Payments, Insurance, Travel

• non-insurance cap 750 RP/mo, insurance cap 250 RP/mo)

• 2 RP/₹100 online retail (cap 750 RP/mo)

• 1 RP/₹100 other retail (cap 1,000 RP/mo)

• 1% value back on PhonePe Scan & Pay UPI

• 0 RP on non-PhonePe UPI (w.e.f. 1 Jul 2026)

• fuel, rent, wallet, edu, govt, gaming, fastag, jewellery excluded

• 1% fuel surcharge waiver (₹500-₹3,000, max ₹100/stmt)

• 10 RP/₹100 on PhonePe in-app (Recharges, Utilities, Bill Payments, Insurance, Travel

• non-insurance cap 1,500 RP/mo, insurance cap 500 RP/mo)

• 5 RP/₹100 online retail (cap 1,000 RP/mo)

• 1 RP/₹100 other retail (cap 2,000 RP/mo)

• 1% value back on PhonePe Scan & Pay UPI

• 0 RP on non-PhonePe UPI (w.e.f. 1 Jul 2026)

• fuel, rent, wallet, edu, govt, gaming, fastag, jewellery excluded

• 1% fuel surcharge waiver (₹500-₹4,000, max ₹250/stmt)

• Priority Pass 24 months

• 3 EDGE/₹100 domestic

• 6 EDGE/₹100 international

• Online: 2% up to ₹5k, 5% ₹5,001-₹40k, 7% above ₹40k

• 0.5%-0.75% base offline

• 4 EDGE/₹200 partner dining/entertainment (capped 1,000 EDGE/mo)

• 1 EDGE/₹200 other

• 5% off Zomato & Paytm utility

• 1 EDGE/₹200 other eligible

• 2 EDGE/₹200 eligible retail

• 2 EDGE/₹200 base

• 5X selected merchant campaigns

• 20 EDGE REWARD Points per ₹100 (4% value back) at IndianOil fuel outlets (up to ₹5,000 of fuel spend, 1,000 points, a month)

• 5 points per ₹100 (1%) on eligible online spends (up to ₹5,000, 250 points, a month)

• 1 point per ₹100 on other eligible retail

• other fuel, utilities, telecom, insurance, education, rent, wallet, government, tolls and jewellery earn nothing

• 3 6E Rewards/₹100 IndiGo

• 2 6E Rewards/₹200 other

• 3% cashback dining/food delivery/entertainment (capped ₹1,500/cycle)

• 1% other

• 8 Bonvoy points/₹150 Marriott spend (capped ₹10L/mo)

• 4 points/₹150 travel/dining/entertainment (capped ₹5L/mo)

• 2 points/₹150 other (no insurance cap)

• 5X RP on IRCTC ticketing (capped 1,000 RP/mo)

• 1 RP/₹100 other retail

• 1% transaction fee waiver up to ₹1,000/statement

• 5% Fuel Points at IOCL outlets (capped 250 FP/mo)

• 5% FP groceries & bill payments (capped 100 FP/mo)

• 1 FP/₹150 other

• 1% fuel surcharge waiver

• 10X CashPoints on Amazon, Flipkart, Swiggy, Reliance Digital, BigBasket (capped 2,500 CP/mo)

• 2 CP/₹150 other retail

• 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (capped 2,500 CP/mo)

• 1 CP/₹150 other

• max 15,000 CP/cycle

• 3% CashPoints groceries/dining/PayZapp

• 2% utility

• 1% other UPI (each capped 500 CP/mo, min ₹100 txn)

• 5% cashback on SmartBuy (capped 500 CP/mo)

• 1% on all other eligible retail and RuPay UPI (capped 500 CP/mo)

• Historical 6E Rewards program ended 1-Nov-2025

• card discontinued/migrated

• 6 myCash/₹100 hotel

• 3/₹100 flight/bus/cab

• 1/₹100 other retail

• 2 RP/₹100 retail

• 1 RP/₹100 utility & insurance

• 2.5% fuel cashback (capped ₹100/mo) + 1% fuel surcharge waiver

• 2 RP/₹100 retail

• 3% Adani One ecosystem

• 1.5% international

• 1% domestic

• 7% Adani One ecosystem

• 2% international

• 1.5% domestic

• 4 myCash/₹200 hotel

• 2/₹200 flight

• 1.25/₹200 domestic

• milestones 1,100 at ₹2.5L + 4,000 at ₹5L

• 1.5 Skywards Miles/₹100 international and domestic spend

• 2 Skywards Miles/₹100 international and domestic spend

• 2.5% international

• 2% domestic

• 5,000 RP cap on utility/insurance/education/government

• 10 Air Miles/₹100 Kotak Unbox flight/hotel (accelerated cap 1L/statement)

• 3 Air Miles/₹100 other eligible spends

• White Pass milestones: ₹3L→5k, ₹10L→20k, ₹20L→42k, ₹30L→66k, ₹40L→92k, ₹50L→1.2L, ₹75L→1.83L, ₹1Cr→2.5L

• White Pass milestones: ₹2L→2k, ₹4L→6k, ₹6L→12k, ₹9L→19k, ₹12L→27k anniversary year

• 10 Zen Points/₹150 shopping (apparel, lifestyle, jewellery)

• 5 Zen Points/₹150 other eligible

• Kotak Rewards program (invitation/KFS tier)

• Up to 8 RP/₹150 across categories

• milestone 4 PVR tickets or 10,000 RP at ₹1.25L every 6 months

• 2.5 Mojo points/₹100 online

• 1 Mojo point/₹100 other eligible

• 2,500 points quarterly at ₹75k spend

• 5% online food/grocery/entertainment

• 3% fuel

• 0.5% other eligible (accelerated cap 500 RP/cycle)

• 4% fuel reward points at IOCL (capped 1,200 RP/cycle)

• 2% dining/groceries (capped 800 RP/cycle)

• 0.5% other

• 3 RP/₹100 on UPI transactions

• 1 RP/₹100 other eligible spends

• 2 RP/₹100 online spends

• 1 RP/₹100 other eligible

• ₹750 cashback at ₹75k annual spend

• 4 RP/₹100 online spends

• 1 RP/₹100 other eligible

• FD-backed credit card

• 1 free movie ticket per ₹10,000 spend

• 20% instant discount on F&B at PVR INOX

• 5% instant discount on tickets

• 2 free PVR tickets/month on ₹10k spend (up to ₹400 each)

• 15% cashback on PVR F&B

• 5% cashback on tickets

• IndiGo BluChips: 3 BluChips per ₹100 on 6E flight bookings

• 2 BluChips per ₹100 dining/entertainment

• 1 BluChip per ₹100 other eligible

• 2,500 BluChip anniversary voucher

• IndiGo BluChips: 5 BluChips per ₹100 on 6E flight bookings

• 3 BluChips per ₹100 dining/entertainment

• 2 BluChips per ₹100 other eligible

• 4,000 BluChip anniversary voucher

• 3 RP/₹150 on retail spends (revised from 6X online w.e.f. 1 May 2024)

• 10X incremental on eligible spends > ₹20,000/statement cycle

• 10X on birthday

• 3 RP/₹150 on education, wallet, government (excluded from 10X threshold)

• 1 RP/₹150 on insurance, utilities, telecom, FASTag, railways (excluded from 10X threshold)

• fuel excluded

• 1% fuel surcharge waiver up to ₹200/mo

• 4 complimentary railway lounge visits/quarter (subject to ₹20k spend in previous calendar month)

• 3 RP / ₹150 base

• 10X incremental on eligible spends > ₹20,000/statement cycle

• birthday 10X

• 3 RP / ₹150 base

• 10X incremental on eligible spends > ₹20,000/statement cycle

• birthday 10X

• 3 RP / ₹150 base

• 10X incremental on eligible spends > ₹20,000/statement cycle

• birthday 10X

• FD-backed card

• 4X RP (4 RP / ₹200) retail & intl

• 1X RP (1 RP / ₹200) insurance/utility/railway/fastag

• zero forex markup

• Lifetime Free

• 1 RP = ₹0.25

• FD-backed cashback card

• up to 1% cashback on retail spend

• conditional until service guide refresh

• Virtual RuPay credit card for UPI payments

• 3 RP/₹150 on UPI > ₹2,000, 1 RP/₹150 on UPI ≤ ₹2,000

• 1 RP/₹150 base retail, utilities, insurance

• 100 RP per ₹5,000 UPI monthly spend

• Fuel excluded

• 2 RP/₹150 base retail

• 21 RP/₹150 HPCL Fuel (cap 700 RP)

• 15 RP/₹150 Grocery/Utility (shared cap 400 RP)

• 15 RP/₹150 FASTag (cap 200 RP)

• 3 RP/₹150 base retail

• 30 RP/₹150 HPCL Fuel & LPG (cap 2.4k RP)

• 30 RP/₹150 Grocery/Utility (shared cap 400 RP)

• 30 RP/₹150 FASTag (cap 200 RP)

• Milestone-based reward credit card

• 0 base per-transaction RP

• monthly statement spend milestones up to 4,000 RP (worth ₹1,000)

• 100 RP/₹5,000 on UPI

• merchant partner discounts

• 6X RP/₹125 on LIC premium payments (licindia.in, max 5 txns/statement cycle)

• 3X RP/₹125 on Essentials (groceries, utilities, railways, FASTag, education, government

• capped at 300 RP/month) and all other retail spends

• fuel, rent, wallet, non-LIC insurance excluded

• 10X RP/₹125 on LIC premium payments (licindia.in, max 5 txns/statement cycle)

• 5X RP/₹125 on Essentials (groceries, utilities, railways, FASTag, education, government

• capped at 600 RP/month) and all other retail spends

• zero forex markup

• fuel, rent, wallet, non-LIC insurance excluded

• 5X RP/₹150 on retail spends up to ₹20,000/month

• 10X RP/₹150 incremental above ₹20,000

• 3X RP/₹150 on rent, education, government, wallet

• 1X RP/₹150 on insurance, utilities, railways, FASTag, telecom

• zero forex markup

• fuel excluded

• 5X RP/₹150 on retail spends up to ₹20,000/month

• 10X RP/₹150 incremental above ₹20,000

• 3X RP/₹150 on rent, education, government, wallet

• 1X RP/₹150 on insurance, utilities, railways, FASTag, telecom

• zero forex markup

• fuel excluded

• 10 RP/₹150 on retail spends

• 3 RP/₹150 on rent & education

• 1 RP/₹150 on insurance, utilities, government, fuel

• 0% forex markup

• ₹50,000 joining fee (offset by 50,000 RP welcome benefit) / ₹25,000 annual renewal fee (2nd year onwards)

• uncapped fuel surcharge waiver

• rent and utility surcharge exemptions

• 2 RP / ₹150

• ₹0 joining & annual fee

• fuel surcharge waiver up to ₹250/month

• IEMI excluded

• 3 RP / ₹100

• 0.99% FX markup

• Premier relationship gate

• IEMI excluded

• 4 RP / ₹100 flights/travel aggregators/FX

• 2 RP / ₹100 other eligible

• 10,000 bonus RP > ₹12L

• IEMI excluded

• 10% cashback on dining, food delivery, grocery (capped ₹1,200/mo)

• 1.5% unlimited base

• 1.99% FX

• IEMI excluded

• 5 RP / ₹100 at participating Taj/IHCL

• 1.5 RP / ₹100 standard retail

• 1.5 RP = ₹1 Taj Wallet

• strict Taj MCC exclusions

• IEMI excluded

• 2 RP / ₹150 base

• UPI reward earning supported

• ₹0 joining & annual fee

• IEMI excluded

• 10% cashback dining/food delivery/groceries

• 1% other eligible spend

• capped ₹400/mo combined

• ₹499 fee (₹2L waiver)

• IEMI excluded

• 1 MR / ₹40 base

• 5 MR / ₹100 on fuel (capped 5,000 MR/mo)

• overseas 3X conditional

• no MR on insurance/utilities

• cash/POS EMI excluded

• 1 MR / ₹50 base

• 100% annual fee waiver at ₹10L previous membership year

• fuel/insurance/utilities/cash/POS EMI excluded

• 1 MR / ₹50 base

• spend milestones at ₹1.9L and ₹4L

• Platinum Travel Collection redemption

• fuel/insurance/utilities/cash/POS EMI excluded

• 1 MR / ₹50 base and utility (utility capped 10,000 MR/mo)

• 1,000 bonus MR on 6x ₹1,000+ tx/mo

• fuel 0 MR (eff. 12-Jun-2025)

• insurance excluded

• 1 MR / ₹50 base

• 1,000 bonus MR on 4x ₹1,500+ tx/mo

• 100% waiver at ₹1.5L, 50% waiver at ₹90k

• fuel/insurance/utilities excluded

• 1 MR / ₹50 base

• 10X on Zomato/BMS/PVR/Myntra/Ajio/Nykaa/Blinkit (capped 500 MR/mo)

• 5X on Amazon/Flipkart/Paytm (capped 250 MR/mo)

• fuel/insurance/utility excluded

• 5 RP/₹100 Shopping/Dining/Travel

• 2 RP/₹100 other retail

• 1 RP/₹100 Insurance/Utility/Telecom

• 5 RP/₹100 Grocery/Departmental

• 2 RP/₹100 other retail

• 1 RP/₹100 Insurance/Utility/Telecom

• 1 RP/₹100 eligible retail

• 5 RP/₹100 via AU Rewardz portal

• 500 bonus RP milestone

• 1 RP/₹100 eligible retail

• 2 RP/₹100 contactless

• incremental 2 RP/₹100 after ₹5k statement spend

• 2 RP/₹100 Dining/Travel/International

• 1 RP/₹100 other retail

• 1 RP/₹100 Utility/Telecom/Insurance

• 5 RP/₹100 Restaurants/International/Grocery/Departmental

• 3 RP/₹100 other merchants

• 1 RP/₹100 Insurance/Utility/Telecom

• 1.5% cashback offline retail

• 2 RP/₹100 online

• 1 RP/₹100 utility/telecom/insurance

• 500 bonus RP milestone

• 2% cashback Grocery/Departmental/Utility

• 1% other retail

• ₹50 bonus at ₹10k retail/statement

• Configurable 5X or 10X eligible online/POS/contactless

• utility/insurance base rules

• 1% cashback e-commerce/POS/contactless/UPI (₹500/statement cap)

• UPI Coins unmonetized

• 2 RP/₹100 retail

• 1 RP/₹100 utility/insurance

• 5k RP/statement cap

• quarterly milestones

• Up to 3% milestone cashback (secondary: 1% ₹7.5k

• 2% ₹12.5k

• 3% ₹20k

• ₹600 cap)

• 4 RP/₹100 offline

• 8 RP/₹100 online

• 12 RP/₹100 international

• 25k cap

• milestones

• 10 RP/₹200 on trains/travel via ixigo

• 5 RP/₹200 other retail

• 1 RP/₹100 utility/telecom/insurance

• LTF

• 12% partner/CheQ utility/Travel

• 5% specified MCCs

• 2.5% CheQ UPI

• 1% base

• LTF

• 5% on Paytm app

• up to 2% Paytm UPI

• 1% base retail

• LTF

• 1.5% Kiwi Scan & Pay (UPI)

• 0.5% online retail

• monthly cap 1% credit limit

• LTF

• RuPay zagg.money UPI 4-8 Coins/₹100

• Visa contactless 8-2

• ECOM 4/2

• POS 2 Coins/₹100

• LTF

• 10 RP/₹200 Travel/Dining/Entertainment/International

• 2 RP/₹100 retail

• Ola 10% cashback max ₹200/mo

• 8 RP/₹100 Dining/Travel/Tax/Software

• 2 RP/₹100 retail

• 1 RP/₹100 utility/telecom/insurance

• LTF

• 8 RP/₹100 Dining/Travel/Tax/Software

• lower-rate matrix unresolved

• LTF

• 2 RP/₹100 UPI

• 1 RP/₹100 non-UPI

• 0.70 RP select categories

• 1 RP/₹100 general retail

• Fuel excluded

• 1 RP/₹100 weekday

• 2 RP/₹100 weekend

• 4,000 bonus RP welcome

• 4 configurable savings plans (Shop, Home, Travel, Party)

• 0.50-4 RP/₹100

• 1 RP/₹150 retail spend

• Interactive push buttons

• 2.50 RP/₹100 online

• 1.50 RP/₹100 POS

• 0.70 RP select categories

• 1% cashback on retail & UPI

• ₹200 monthly cap

• Prospective tiers on anniversary spend: T1 1x, T2 2x, T3 4x, T4 6x

• Util/Ins/Edu/Rent excluded

• 25% dining discount (₹2k base / ₹5k enhanced monthly cap)

• 10 EP/₹100 shopping/travel

• 2 EP/₹100 base

• 2 RP/₹100 base retail

• 0.70 RP select categories

• 20% dining discount

• 2k RP + 3-mo Prime milestone

• 6 Avios/₹200 pref destination POS

• 5 Avios/₹200 airline

• 3 Avios/₹200 base

• 1 Avios/₹200 reduced

• 1 RP/₹100 retail purchases & UPI merchant QR (0.25% net)

• 2 RP/₹150 retail purchases & UPI (1.3333 RP/₹100

• 0.3333% net)

• 2 RP/₹150 retail purchases & UPI (1.3333 RP/₹100

• 0.3333% net)

• 300 pts welcome

• 1 RP/₹100 retail purchases (0.25% net)

• Visa UPI unresolved/blocked

• 1 RP/₹100 retail purchases (0.25% net)

• Visa UPI unresolved/blocked

• 2 RP/₹150 retail purchases (1.3333 RP/₹100

• 0.3333% net)

• Visa UPI unresolved/blocked

• 2 RP/₹100 retail purchases (0.50% net)

• 2 lounge/qtr

• Visa UPI unresolved/blocked

• 1 RP/₹100 retail purchases & UPI merchant QR (0.25% net)

• Rakshak Plus payroll-linked

• 2 RP/₹150 retail purchases & UPI (1.3333 RP/₹100

• 0.3333% net)

• Rakshak Plus officers

• 1 RP/₹100 retail purchases & UPI (0.25% net)

• annual health checkup

• OTT perks

• 20% Netmeds

• 1 RP/₹100 retail purchases & UPI (0.25% net)

• corporate payroll EXCEL linked

• 2 RP/₹150 retail purchases & UPI (1.3333 RP/₹100

• 0.3333% net)

• corporate payroll OPTIMA/IMPERIAL

• 4 RP/₹100 base (1.00% net)

• 3X travel & dining (12 RP/₹100

• 3.00% net)

• 40,000 pts welcome

• 0% forex

• 4 RP/₹100 base (1.00% net)

• 3X travel & dining (12 RP/₹100

• 3.00% net)

• 20,000 pts welcome

• 0% forex

• Visa UPI blocked

• 1.5% merchant Scan & Pay UPI

• 0.5% online

• currency Kiwis (1 Kiwi = ₹0.25)

• cap min(1% limit, ₹500)

• 3 RP/₹100 base

• 15 RP/₹100 Dining, Travel, Online, Intl (cap 5,000 RP/mo)

• Fuel 0 RP

• 5% domestic online cashback (cap ₹1,500/mo, min 4 txns)

• 1% other spend

• Fuel 0%

• 3 RP/₹100 base

• 15 RP/₹100 Dining, Travel, Intl (cap 5,000 RP/mo)

• Fuel 0 RP

• 2 RP/₹100 base

• 10 RP/₹100 Travel, Dining, Intl (cap 2,000 RP/mo)

• Fuel 0 RP

• 1 RP/₹100 base

• 5 RP/₹100 Dining & Online (cap 1,000 RP/mo)

• Fuel 0 RP

• 1 RP/₹100 base

• 5 RP/₹100 Dept Stores & Movies (cap 1,000 RP/mo)

• Fuel 0 RP

• 2 RP/₹150 base

• 24 RP/₹150 HPCL Fuel (cap 1k RP)

• 10 RP/₹150 Util/Dept (cap 1k RP)

• 2 RP/₹100 (0.50% base)

• 5% Utility cashback (cap ₹50/mo)

• 5% Dining cashback (cap ₹50/mo)

• Fuel 0 RP

• 2 RP/₹100 (0.50% base)

• Domestic Lounge 3 Self + 2 Guest/qtr

• Intl Lounge 2 Self + 2 Guest/yr

• Fuel 0 RP

• 2 RP/₹100 (0.50% base)

• 5% Utility cashback (cap ₹50/mo)

• 5% Dining cashback (cap ₹50/mo)

• Secured against FD (min ₹25k limit)

• Fuel 0 RP

• 36 RP/₹200 Online (cap 100k RP/mo)

• 18 RP/₹200 Offline

• 10 RP/₹200 Select (Util/Ins/Edu)

• Fuel 0 RP

• 24 RP/₹200 Online (cap 36k RP/mo)

• 12 RP/₹200 Offline

• 6 RP/₹200 Select (Util/Ins/Edu)

• Fuel 0 RP

• 12 RP/₹200 (6% cashback) on Dining & Travel (cap 3,000 RP/mo)

• 2 RP/₹200 (1%) other retail & RuPay UPI

• Fuel 0%

• 30 RP/₹200 Pharmacy & Chemist (3.75%)

• 6 RP/₹200 other retail (0.75%)

• Fuel 0 RP

• 10 POPcoins/₹100 Online (2.50%)

• 2 POPcoins/₹100 Offline (0.50%)

• RuPay UPI enabled

• Fuel 0%

• 1% Cashback / Uni Coins across retail & RuPay UPI

• 0% Forex Markup on foreign currency

• Fuel 0%

• 20% Scapia Coins on Scapia app travel (4%)

• 10% Scapia Coins on Visa retail (2%)

• 5% Scapia Coins on RuPay UPI (1%)

• Fuel 0%

• 3X RP/₹100 Travel & Intl (0.75%)

• 2X RP/₹100 Dining (0.50%)

• 1X RP/₹100 Other (0.25%)

• Fuel 0 RP

• 3X RP/₹150 Grocery & Healthcare (0.50%)

• 2X RP/₹150 Utilities (0.33%)

• 1X RP/₹150 Other (0.17%)

• Fuel 0 RP

• 3X RP/₹200 Electronics & Apparel (0.375%)

• 2X RP/₹200 Entertainment (0.25%)

• 1X RP/₹200 Other (0.125%)

• Fuel 0 RP

• novio Coins per ₹100: Fuel via UPI 10 (max 400 coins/month) and Fuel via card POS 1 (max 40 coins/month) at fuel MCC 5541/5542 only, transaction ₹400-₹4,000

• all other eligible spends 5 (UPI, POS, online

• min ₹100 per transaction

• no monthly cap)

• ATM cash 0. No coins on rent, education institutions, utilities, telecom, insurance, railways, government/tax, wallet loads, cash and the other excluded MCCs.

• Niyo Coins on online (ECOM) transactions only: 20% of the transaction value in coins on domestic ECOM (2.00% at ₹0.10/coin), 10% on international ECOM (1.00%), 30% on travel booked through the Niyo App (3.00%)

• no rewards for ATM, POS and tap-and-pay

• minimum transaction ₹100

• up to 5,00,000 coins a year

• coins expire after 12 months. No coins on rent, utilities, telecom, insurance, railways, government/tax, wallet loads, cash and the other excluded MCCs. 0% forex markup is a fee-schedule benefit.

• 2% UPI cashback via ZET Plus app

• 1 ZET Coin/₹100 general retail (0.20%)

• Fuel 0%

• 2 CP/₹200 base (0.20%)

• 5X CP (1.00%) on spends once monthly threshold of ₹10,000 is met

• quarterly milestone 2,500 CP on ₹50k spend

• 2 CP/₹200 base (0.20%)

• 10X CP (2.00%) Online / 5X CP (1.00%) Offline on spends once monthly threshold of ₹15,000 is met

• quarterly milestone 3,500 CP on ₹75k spend

• 2 CP/₹200 base (0.20%)

• 20X CP (4.00%) on Utility/Dining/Grocery, 10X Online (2.00%), 5X Offline (1.00%) once monthly threshold of ₹20,000 is met

• quarterly milestone 5,000 CP on ₹1L spend

• 4 VP/₹200 domestic retail (2.00%)

• 10 VP/₹200 on DBS Delights flight/hotel bookings (5.00%)

• uncapped domestic retail

• Delights cap 10,000 VP/mo

• 4 VP/₹200 domestic retail (2.00%)

• 8 VP/₹200 international (4.00%)

• 20 VP/₹200 on DBS Delights flight/hotel bookings (10.00%)

• quarterly milestone 10,000 VP on ₹5L spend

• From 05 Oct 2026: shopping at named partner merchants 5% Jewels instantly + further 45% at cycle-end only if statement-cycle spend > ₹15,000 (caps 10,000 category / 3,000 merchant / 1,000 transaction per cycle)

• Jupiter Flights 25% Jewels (no cap)

• all other eligible spends 5% Jewels. Until 04 Oct 2026: flat 50% on partner shopping, Jupiter Flights capped at 5,000 Jewels.

• 10% Jewels (2.0% net) on ONE chosen category (Travel / Food / Shopping, changeable every 3 billing cycles)

• base 2.0% Jewels (0.4% net) on all other eligible spends

• up to 15,000 Jewels per billing cycle

• 10% Jewels on UPI credit-card spends via the Jupiter UPI app only

• ₹250 welcome voucher on first UPI credit-card transaction ≥ ₹2,000.

• 1.5% Kiwi Scan & Pay UPI

• 0.5% online UPI

• 2 YES RP / ₹200 non-UPI retail

• 5 SCoins/₹100 UPI (bill <= 20k)

• 10 SCoins/₹100 UPI (bill > 20k)

• 1 SCoin/₹100 base

• 25 SCoins/₹100 Salary Day bonus

• 5 RP / ₹150 general retail (3.33%)

• 3 RP / ₹150 essential categories (2.00%)

• 20% hotels / 10% flights on EaseMyTrip

• 10 RP / ₹100 direct airline/hotel (2.50%)

• 2 RP / ₹100 retail (0.50%)

• 1 EDGE Mile / ₹100 domestic

• 2 EDGE Miles / ₹100 intl (cap ₹2L/mo)

• 1 EDGE Mile = 2 Partner Miles

• 2 EDGE RP / ₹200 on eligible retail and UPI (0.20%)

• 4 ARP / ₹100 (1.00%)

• ₹1,500 monthly luxury voucher on ₹1L spend

• ₹5k/₹10k annual milestones

• 7.5% Cashback on World of Titan brands (cap ₹10,000/qtr)

• 5.0% Cashback on Mia/Caratlane/Zoya (cap ₹10,000/qtr)

• 3.0% Gift Vouchers on Tanishq (cap ₹25,000/qtr)

• 6 RP/₹100 other retail outside Titan (cap 6,000 RP/mo = ₹1,500)

• fuel, wallet, rent, utilities excluded

• 1% fuel surcharge waiver (₹500-₹4,000, max ₹100/mo)

• Priority Pass 4 intl visits/yr

• 20 RP/₹100 at Ajio & JioMart online (shared cap 20,000 RP/mo)

• 10 RP/₹100 at Reliance Retail stores (shared cap 20,000 RP/mo)

• 5 RP/₹100 on dining, entertainment, domestic airlines (cap 7,500 RP/stmt, then 2 RP/₹100)

• 5 RP/₹100 international (cap 7,500 RP/stmt, then 2 RP/₹100)

• 2 RP/₹100 base other retail

• fuel, wallet, rent, govt excluded

• 1% fuel surcharge waiver (₹500-₹4,000, max ₹250/stmt)

• Priority Pass 4 intl visits/yr

• BookMyShow 1 ticket free up to ₹250/mo

• 4 RP / ₹150 base (1.33%)

• 5X Swiggy/Zomato (6.67%, cap 2.5k RP/mo)

• SmartBuy 10X

• ₹1.5k voucher on ₹40k spend

• Up to 40 RP / ₹100 IRCTC AC ticket bookings (10.00%, cap 1k RP/cycle)

• 2 RP / ₹100 other retail (0.50%)

• 5 RP / ₹125 general retail (1.00%, cap 10k RP/mo)

• Luxury hospitality perks disclosure-only