{ "name": "card-rewards", "licence": "CC BY 4.0", "attribution": "CreditParakh (https://creditparakh.in/data/)", "updated": "2026-10-20", "rows": [ { "card": "Airtel Axis Bank Credit Card", "slug": "airtel-axis", "issuer": "Axis Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "Cashback card for Airtel users: 25% back on Airtel mobile, broadband, Wi-Fi and DTH bills and 10% on other utility bills when you pay them in the Airtel Thanks app, and 1% on most other spends. The app cashback is capped each cycle at twice (Airtel bills) and once (other bills) the 1% you earn on other spends. 10% back at Zomato, Blinkit and District comes as wallet credit in those apps, up to ₹200 each a month.", "reward_caps": [ "25% back on Airtel mobile, broadband, Wi-Fi and DTH bills paid in the Airtel Thanks app is capped each statement cycle at twice the 1% cashback you earn on other spends in that cycle. For example, ₹25,000 of other spends earns ₹250, so the Airtel bill cashback stops at ₹500 (₹2,000 of bills). With no other spends, Airtel bills earn nothing. Only bills of active Airtel connections count.", "10% back on other utility bills (electricity, gas and any biller on Bharat BillPay) paid in the Airtel Thanks app is capped each statement cycle at the 1% cashback you earn on other spends in that cycle: ₹250 on ₹25,000 of other spends, which covers ₹2,500 of bills. Utility and phone bills paid anywhere else earn nothing, which is why bills shows 0%.", "10% value back at each of Zomato, Blinkit and District (movies), up to ₹200 a month at each, credited to that app's wallet rather than your card bill. Card payments online only (not UPI), with a ₹499 minimum order at Zomato and Blinkit. These spends earn no Axis cashback." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery", "cash" ], "source_url": "https://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card", "last_verified": "2026-10-19" }, { "card": "Amazon Pay ICICI Bank Credit Card", "slug": "amazon-pay-icici", "issuer": "ICICI Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 2, "value_back_pct_dining": 1, "reward_summary": "Rewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing.", "reward_caps": [], "excluded_spends": [ "fuel", "rent", "education", "international", "government", "jewellery", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card", "last_verified": "2026-10-19" }, { "card": "Axis Bank Horizon Credit Card", "slug": "axis-horizon", "issuer": "Axis Bank", "value_back_pct_default": 2, "value_back_pct_online": 2, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 5, "value_back_pct_bills": 0, "value_back_pct_dining": 2, "reward_summary": "Travel card: 5 EDGE Miles per ₹100 on flights booked directly with airlines or on Axis's Travel EDGE portal, and 2 per ₹100 on most other spends. Axis values a mile at ₹1, so that's about 5% and 2% back, with no published earning cap. Utility bills, fuel, rent, insurance, wallet loads and government or education payments earn nothing.", "reward_caps": [], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "cash" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card", "last_verified": "2026-10-19" }, { "card": "Axis Bank Magnus Credit Card", "slug": "axis-magnus", "issuer": "Axis Bank", "value_back_pct_default": 1.2, "value_back_pct_online": 1.2, "value_back_pct_grocery": 1.2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.2, "value_back_pct_bills": 0, "value_back_pct_dining": 1.2, "reward_summary": "12 EDGE Reward points per ₹200 on the first ₹1.5 lakh of spend each calendar month and 35 per ₹200 above that (up to your credit limit plus ₹1.5 lakh), plus 60 per ₹200 on the first ₹2 lakh a month booked on Axis's Travel EDGE portal. Axis's published value is ₹0.20 a point on its rewards catalogue, so that's about 1.2%, 3.5% and 6% back. Points can also move to 20 airline and hotel partners at 5 points to 2 partner miles. Fuel, utility and telecom bills, insurance, gold and jewellery, government payments, wallet loads and tolls earn nothing.", "reward_caps": [ "The 60 points per ₹200 (about 6%) on Axis's Travel EDGE portal applies to the first ₹2 lakh of portal bookings each calendar month, up to 60,000 points (₹12,000 at ₹0.20 a point). Portal bookings above that earn 35 per ₹200, about 3.5%.", "The higher 35 points per ₹200 (about 3.5%) applies only to eligible spend above ₹1.5 lakh in a calendar month, and stops once that month's eligible spend passes your credit limit plus ₹1.5 lakh. Spend beyond that earns 12 per ₹200 again.", "Rent payments earn points only on the first ₹50,000 a calendar month; rent above that earns nothing." ], "excluded_spends": [ "fuel", "insurance", "wallet", "utilities", "government", "emi", "cash", "jewellery" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card", "last_verified": "2026-10-19" }, { "card": "Axis Bank Magnus for Burgundy Credit Card", "slug": "axis-magnus-burgundy", "issuer": "Axis Bank", "value_back_pct_default": 1.2, "value_back_pct_online": 1.2, "value_back_pct_grocery": 1.2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.2, "value_back_pct_bills": 0, "value_back_pct_dining": 1.2, "reward_summary": "Same earning as the regular Magnus: 12 EDGE Reward points per ₹200 on the first ₹1.5 lakh of spend each calendar month and 35 per ₹200 above that (up to your credit limit plus ₹1.5 lakh), plus 60 per ₹200 on the first ₹2 lakh a month booked on Axis's Travel EDGE portal. Axis's published value is ₹0.20 a point on its rewards catalogue, so that's about 1.2%, 3.5% and 6% back. The difference is miles: points move to 20 airline and hotel partners at 5 points to 4 partner miles (double the regular card's rate), up to 10 lakh points a year. Fuel, utility and telecom bills, insurance, gold and jewellery, government payments, wallet loads and tolls earn nothing.", "reward_caps": [ "The 60 points per ₹200 (about 6%) on Axis's Travel EDGE portal applies to the first ₹2 lakh of portal bookings each calendar month, up to 60,000 points (₹12,000 at ₹0.20 a point). Portal bookings above that earn 35 per ₹200, about 3.5%.", "The higher 35 points per ₹200 (about 3.5%) applies only to eligible spend above ₹1.5 lakh in a calendar month, and stops once that month's eligible spend passes your credit limit plus ₹1.5 lakh. Spend beyond that earns 12 per ₹200 again.", "Rent payments earn points only on the first ₹50,000 a calendar month; rent above that earns nothing." ], "excluded_spends": [ "fuel", "insurance", "wallet", "utilities", "government", "emi", "cash", "jewellery" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card", "last_verified": "2026-10-19" }, { "card": "Axis Bank MY ZONE Credit Card", "slug": "axis-my-zone", "issuer": "Axis Bank", "value_back_pct_default": 0.4, "value_back_pct_online": 0.4, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 0.4, "reward_summary": "Entertainment card: buy-one-get-one on District movie tickets, ₹120 off Swiggy, quarterly lounge access on spends, 4 EDGE points per ₹200.", "reward_caps": [], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery", "cash" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card", "last_verified": "2026-10-18" }, { "card": "Axis Bank MY Zone Easy Credit Card", "slug": "axis-my-zone-easy", "issuer": "Axis Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "4 EDGE REWARD points per ₹200 on domestic spends; Axis doesn't publish what this card's points are worth. 25% cashback on movie tickets (online or at the box office), capped at ₹1,000 a calendar year. Fuel and movie-ticket spends earn no points.", "reward_caps": [ "25% movie-ticket cashback is capped at ₹1,000 a calendar year, reached at ₹4,000 of ticket spend. Movies aren't a reward_rate key." ], "excluded_spends": [ "fuel", "emi" ], "source_url": "https://www.axis.bank.in/cards/credit-card/my-zone-easy-credit-card", "last_verified": "2026-10-20" }, { "card": "Axis Bank Neo Credit Card", "slug": "axis-neo", "issuer": "Axis Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": null, "reward_summary": "Offers-led starter card: Zomato, Blinkit, BookMyShow, Paytm and Cleartrip discounts, plus 1 EDGE point per ₹200 spent.", "reward_caps": [], "excluded_spends": [ "utilities", "education", "insurance", "government", "wallet", "rent", "fuel", "jewellery", "cash" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card", "last_verified": "2026-10-18" }, { "card": "Axis Bank Select Credit Card", "slug": "axis-select", "issuer": "Axis Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "10 EDGE Reward points per ₹200 on most spends, and 20 per ₹200 at department stores, grocery stores and clothing stores on the first ₹20,000 of such spend a month. Axis values the welcome points at ₹0.20 each, so that's about 1% and 2% back. Spend ₹3 lakh in a card year for 5,000 bonus points (₹1,000). Fuel, utility and telecom bills, insurance, rent, wallet loads, education, government payments, gold and jewellery, gift cards and tolls earn nothing.", "reward_caps": [ "Double points (20 per ₹200, about 2%) at department, grocery and clothing stores apply to the first ₹20,000 of such spend each month, which earns up to 2,000 points (₹400). Spend above that earns the usual 10 points per ₹200, about 1%." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery" ], "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card", "last_verified": "2026-10-20" }, { "card": "Axis Bank SUPERMONEY RuPay Credit Card", "slug": "axis-supermoney", "issuer": "Axis Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": 3, "value_back_pct_travel": 1, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap.", "reward_caps": [ "The 3% on scan-and-pay UPI through the super.money app is limited each statement cycle to the cashback you earn on your other UPI and card spends, or ₹100 if that is lower. We use the ₹100 floor here, so if you also spend a lot elsewhere your real limit is higher. UPI payments through other apps earn 1% with no cap." ], "excluded_spends": [ "fuel", "jewellery", "cash", "wallet", "insurance", "education", "government", "rent", "emi", "utilities" ], "source_url": "https://www.axis.bank.in/cards/credit-card/supermoney-credit-card", "last_verified": "2026-10-19" }, { "card": "BPCL SBI Card OCTANE", "slug": "bpcl-sbi-octane", "issuer": "SBI Card", "value_back_pct_default": 0.25, "value_back_pct_online": 0.25, "value_back_pct_grocery": 2.5, "value_back_pct_fuel": 6.25, "value_back_pct_upi": 0.25, "value_back_pct_travel": 0.25, "value_back_pct_bills": 0.25, "value_back_pct_dining": 2.5, "reward_summary": "Fuel card: 25 points per ₹100 at BPCL pumps (6.25% back, plus a 1% surcharge waiver), 10 points per ₹100 on groceries, departmental stores, dining and movies (2.5%), and 1 point per ₹100 elsewhere (0.25%). Points are worth ₹0.25 each as free BPCL fuel; BPCL fuel points stop at 2,500 a statement cycle.", "reward_caps": [ "25 points per ₹100 at BPCL pumps are capped at 2,500 points per statement cycle (₹625 of free fuel), reached at ₹10,000 of BPCL fuel spend.", "10 points per ₹100 on groceries, departmental stores, dining and movies are capped at 7,500 points a month combined (₹1,875), reached at ₹75,000 of spend.", "25 points per ₹100 on Bharat Gas LPG cylinder bookings (website and app only) are capped at 500 points per billing cycle (₹125), reached at ₹2,000. LPG booking is not a reward_rate key." ], "excluded_spends": [ "wallet", "rent", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card-octane.html", "last_verified": "2026-10-19" }, { "card": "CASHBACK SBI Card", "slug": "cashback-sbi", "issuer": "SBI Card", "value_back_pct_default": 1, "value_back_pct_online": 5, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 5, "reward_summary": "Flat cashback card: 5% on online spends and 1% on offline spends, capped at ₹4,000 a statement cycle.", "reward_caps": [ "5% online cashback is capped at ₹2,000 per statement cycle (from 1 Apr 2026).", "1% offline (POS at merchant outlets) cashback is capped at ₹2,000 per statement cycle (from 1 Apr 2026).", "Total cashback across online and offline spends cannot exceed ₹4,000 in a statement cycle; after a limit is reached, further spends in that cycle earn nothing." ], "excluded_spends": [ "fuel", "rent", "wallet", "government", "insurance", "utilities", "education", "emi", "cash", "jewellery", "railway" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html", "last_verified": "2026-10-18" }, { "card": "CheQ AU Credit Card (AU Small Finance Bank)", "slug": "cheq-au", "issuer": "AU Small Finance Bank", "value_back_pct_default": 0.5, "value_back_pct_online": 2.5, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": 1.25, "value_back_pct_travel": 6, "value_back_pct_bills": 6, "value_back_pct_dining": 2.5, "reward_summary": "Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.", "reward_caps": [ "The 12% and 5% tiers share one cap of 12,000 CheQ Points per statement cycle (₹6,000 at 2 points = ₹1 on gift cards or CheQ Travel; ₹3,000 if redeemed on bill payments at 4 points = ₹1). After that, spends earn at the 2.5% (CheQ UPI) or 1% rate with no cap." ], "excluded_spends": [ "fuel" ], "source_url": "https://www.au.bank.in/personal-banking/credit-cards/cheq-au-credit-card", "last_verified": "2026-10-18" }, { "card": "EazyDiner IndusInd Bank Platinum Credit Card", "slug": "eazydiner-indusind-platinum", "issuer": "IndusInd Bank", "value_back_pct_default": 0.4, "value_back_pct_online": 0.4, "value_back_pct_grocery": 0.4, "value_back_pct_fuel": 0, "value_back_pct_upi": 0.4, "value_back_pct_travel": 0.4, "value_back_pct_bills": 0.14, "value_back_pct_dining": 0.4, "reward_summary": "2 reward points per ₹100 on most spends (0.4% back, at ₹0.20 a point redeemed against restaurant bills in the EazyDiner app), 0.7 points per ₹100 (0.14%) on insurance, rent, utilities and government payments, and none on fuel. The main value is dining: an extra 20% off up to ₹500, three times a month, when you pay a restaurant bill through the EazyDiner app with this card, plus 3 months of EazyDiner Prime to start. Also a buy-one-get-one BookMyShow ticket (up to ₹200 off) once a month, and 2,000 bonus points with a further 3 months of Prime for each ₹30,000 spent in 90 days (dining doesn't count).", "reward_caps": [], "excluded_spends": [ "fuel" ], "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-platinum-credit-card.html", "last_verified": "2026-10-20" }, { "card": "Flipkart Axis Bank Credit Card", "slug": "flipkart-axis", "issuer": "Axis Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 4, "reward_summary": "Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends.", "reward_caps": [ "Myntra: 7.5% cashback, capped at ₹4,000 per statement quarter.", "Flipkart (website and app, excluding Flipkart Health): 5% cashback, capped at ₹4,000 per statement quarter.", "Cleartrip: 5% cashback, capped at ₹4,000 per statement quarter." ], "excluded_spends": [ "utilities", "education", "rent", "wallet", "government", "insurance", "jewellery", "fuel", "cash", "emi" ], "source_url": "https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card", "last_verified": "2026-10-18" }, { "card": "HDFC Bank Diners Club Black Metal Edition Credit Card", "slug": "hdfc-diners-black-metal", "issuer": "HDFC Bank", "value_back_pct_default": 3.33, "value_back_pct_online": 3.33, "value_back_pct_grocery": 3.33, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 3.33, "value_back_pct_bills": 3.33, "value_back_pct_dining": 3.33, "reward_summary": "5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing.", "reward_caps": [ "Grocery earns at most 2,000 points a month (₹2,000 at ₹1 a point), reached at ₹60,000 of grocery spend.", "Utility bills earn at most 2,000 points a calendar month.", "Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit.", "Insurance premiums earn at most 5,000 points a month. Insurance isn't one of the spend types we rate.", "At most 75,000 points can be earned in a statement cycle." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HDFC Bank Diners Club Privilege Credit Card", "slug": "hdfc-diners-privilege", "issuer": "HDFC Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "4 reward points per ₹200: about 1% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), less for catalogue products (up to ₹0.35 a point) and 0.4% as statement credit (₹0.20 a point). 5 times the points on Swiggy and Zomato food orders (about 5%), with the extra points capped at 2,500 a month. A ₹1,500 voucher each calendar quarter you spend ₹1.5 lakh, and buy-one-get-one BookMyShow tickets for Friday to Sunday shows (up to ₹250 off a ticket, 2 free tickets a month). Fuel, rent, wallet loads, EMI and government payments earn nothing. We haven't confirmed HDFC's point values for this card on its own page yet, so we don't show a % rate.", "reward_caps": [ "The extra points on Swiggy and Zomato are capped at 2,500 a calendar month (₹1,250 at ₹0.50 a point), reached at ₹31,250 of orders; above that those orders earn the normal 4 points per ₹200.", "Grocery earns at most 2,000 points a month (₹1,000 at ₹0.50 a point), reached at ₹1 lakh of grocery spend.", "Utility bills earn at most 2,000 points a calendar month.", "Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit.", "Insurance premiums earn at most 2,000 points a month. Insurance isn't one of the spend types we rate.", "At most 50,000 points can be earned in a statement cycle." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card/fees-and-charges", "last_verified": "2026-10-20" }, { "card": "HDFC Bank INFINIA Credit Card Metal Edition", "slug": "hdfc-infinia", "issuer": "HDFC Bank", "value_back_pct_default": 3.33, "value_back_pct_online": 3.33, "value_back_pct_grocery": 3.33, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 3.33, "value_back_pct_bills": 3.33, "value_back_pct_dining": 3.33, "reward_summary": "5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing.", "reward_caps": [ "Grocery earns at most 2,000 points a calendar month (₹2,000 at ₹1 a point), reached at ₹60,000 of grocery spend.", "Utility bills earn at most 2,000 points a calendar month.", "Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit.", "Insurance premiums earn at most 10,000 points a month. Insurance isn't one of the spend types we rate.", "The extra points for shopping and travel through HDFC SmartBuy are capped at 15,000 a month, of which at most 3,000 can come from brand vouchers bought on SmartBuy.", "At most 2,00,000 points can be earned in a statement cycle." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi" ], "source_url": "https://www.hdfc.bank.in/credit-cards/infinia-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HDFC Bank Millennia Credit Card", "slug": "hdfc-millennia", "issuer": "HDFC Bank", "value_back_pct_default": 1, "value_back_pct_online": 5, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 1, "value_back_pct_dining": 5, "reward_summary": "Cashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing.", "reward_caps": [ "5% at the 10 partner merchants is capped at 1,000 CashPoints (₹1,000) a calendar month, reached at ₹20,000 of spend there; online spends elsewhere earn 1%.", "1% on all other spends is capped at 1,000 CashPoints (₹1,000) a calendar month, reached at ₹1 lakh of spend." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/millennia-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HDFC Bank MoneyBack+ Credit Card", "slug": "hdfc-moneyback-plus", "issuer": "HDFC Bank", "value_back_pct_default": 0.2, "value_back_pct_online": 2, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.2, "value_back_pct_bills": 0.2, "value_back_pct_dining": 2, "reward_summary": "CashPoints worth ₹0.20 each as statement credit: 20 per ₹200 (about 2% back) at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores, capped at 2,500 CashPoints (₹500) a month, and 2 per ₹200 (about 0.2%) on most other spends. Plus a ₹500 gift voucher each calendar quarter you spend ₹50,000. Fuel, rent, wallet loads, EMI and government payments earn nothing.", "reward_caps": [ "The 2% rate at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores is capped at 2,500 CashPoints (₹500) a calendar month, reached at ₹25,000 of spend there. HDFC's terms say spend there above the cap earns nothing.", "Grocery earns at most 1,000 CashPoints (₹200) a calendar month. HDFC doesn't say whether BigBasket and Reliance Smart purchases count towards this limit, so we assume they do.", "Utility bills earn at most 2,000 CashPoints (₹400) a calendar month.", "Phone and telecom bills earn at most 2,000 CashPoints a calendar month, separate from the utility limit.", "Insurance premiums earn at most 2,000 CashPoints a month. Insurance isn't one of the spend types we rate.", "At most 15,000 CashPoints (₹3,000) can be earned in a statement cycle." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HDFC Bank PIXEL Play Credit Card", "slug": "pixel-play-hdfc", "issuer": "HDFC Bank", "value_back_pct_default": 1, "value_back_pct_online": 3, "value_back_pct_grocery": 5, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 5, "value_back_pct_bills": null, "value_back_pct_dining": 5, "reward_summary": "Cashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing.", "reward_caps": [ "5% on the two chosen merchant packs is capped at 500 CashPoints (₹500) per calendar month combined; grocery and travel get 5% only if those packs are chosen. Beyond the cap, pack spends earn 1%.", "5% on SmartBuy (flights, hotels, bus, rail, IGP, instant vouchers) is capped at 500 CashPoints per calendar month; spends beyond the cap earn nothing.", "3% on the one chosen e-commerce platform (Amazon, Flipkart or PayZapp) is capped at 500 CashPoints per calendar month; beyond the cap, 1%.", "1% on UPI spends (RuPay variant only) is capped at 500 CashPoints per calendar month.", "1% on all other spends is capped at 15,000 CashPoints.", "CashPoints on insurance spends are capped at 2,000 per month." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card/fees-and-charges", "last_verified": "2026-10-18" }, { "card": "HDFC Bank Regalia Gold Credit Card", "slug": "hdfc-regalia-gold", "issuer": "HDFC Bank", "value_back_pct_default": 1.25, "value_back_pct_online": 1.25, "value_back_pct_grocery": 1.25, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.25, "value_back_pct_bills": 1.25, "value_back_pct_dining": 1.25, "reward_summary": "5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing.", "reward_caps": [ "Grocery earns at most 2,000 points a calendar month (₹1,000 at ₹0.50 a point), reached at ₹80,000 of grocery spend.", "Utility bills earn at most 2,000 points a calendar month.", "Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility cap.", "Insurance premiums earn at most 2,000 points a month. Insurance isn't one of the spend types we rate.", "The extra (5X) points at Myntra, Nykaa, Reliance Digital and Marks & Spencer are capped at 5,000 bonus points a calendar month across the four brands; the base points on those spends have no cap.", "At most 50,000 points can be earned in a statement cycle." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HDFC Bank UPI RuPay Credit Card", "slug": "hdfc-upi-rupay", "issuer": "HDFC Bank", "value_back_pct_default": 0.25, "value_back_pct_online": 0.25, "value_back_pct_grocery": 0.75, "value_back_pct_fuel": 0, "value_back_pct_upi": 0.25, "value_back_pct_travel": 0.25, "value_back_pct_bills": 0.5, "value_back_pct_dining": 0.75, "reward_summary": "Virtual RuPay card for UPI: 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp, 2 per ₹100 on utility bills and 1 per ₹100 elsewhere. A CashPoint is worth ₹0.25, so that is 0.75%, 0.5% and 0.25% back, each capped at 500 CashPoints (₹125) a month.", "reward_caps": [ "3 CashPoints per ₹100 on groceries and supermarkets, dining and all PayZapp transactions are capped at 500 CashPoints (₹125) per calendar month combined, reached at about ₹16,667 of spend. Spends beyond the cap earn nothing.", "2 CashPoints per ₹100 on utility bills are capped at 500 CashPoints (₹125) per calendar month, reached at ₹25,000 of utility spend. Spends beyond the cap earn nothing.", "1 CashPoint per ₹100 on all other eligible spends is capped at 500 CashPoints (₹125) per calendar month, reached at ₹50,000 of spend. Spends beyond the cap earn nothing.", "HDFC Bank's UPI page says RuPay credit cards earn at most 500 reward points a calendar month on UPI spends. The card's own terms cap each category separately and don't mention a combined UPI cap, so UPI-heavy users may hit this sooner." ], "excluded_spends": [ "fuel", "insurance", "education", "government", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/hdfc-bank-upi-rupay-credit-card/fees-and-charges", "last_verified": "2026-10-19" }, { "card": "HSBC Live+ Credit Card", "slug": "hsbc-live-plus", "issuer": "HSBC", "value_back_pct_default": 1.5, "value_back_pct_online": 1.5, "value_back_pct_grocery": 10, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.5, "value_back_pct_bills": 10, "value_back_pct_dining": 10, "reward_summary": "Cashback card: 10% back on dining, food delivery, groceries, shopping and utility bills, capped at ₹1,200 a month (reached at ₹12,000 of these spends), and 1.5% on most other spends with no cap. Amazon, Flipkart and Myntra earn 1.5%, not 10%. Spends abroad earn no cashback, but the forex markup is a low 1.99%.", "reward_caps": [ "The 10% cashback on dining, food delivery, grocery, shopping and utility spends is capped at ₹1,200 a month in total, which you reach at ₹12,000 of these spends. In HSBC's own worked example, these spends earn nothing extra once the cap is reached." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "education", "government", "emi", "jewellery", "cash", "international" ], "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/live-plus-credit-card-services-guide.pdf", "last_verified": "2026-10-19" }, { "card": "HSBC Premier Credit Card", "slug": "hsbc-premier", "issuer": "HSBC", "value_back_pct_default": 3, "value_back_pct_online": 3, "value_back_pct_grocery": 3, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 3, "value_back_pct_bills": 3, "value_back_pct_dining": 3, "reward_summary": "3 reward points per ₹100, and HSBC values a point at ₹1 when you redeem it for Apple products or for flights and hotels on its Travel with Points portal, so about 3% back. Points also move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes, and never expire; gift cards and merchandise are priced in HSBC's app. Bookings made through the portal earn more (up to 36 points per ₹100 on hotels). New cards issued by 31 Dec 2026 get 20,000 bonus points on the first purchase within 30 days. Fuel earns nothing, and utility bills, insurance, rent, wallet loads and similar payments earn only on the first ₹1 lakh a month combined.", "reward_caps": [ "Utility bills, insurance, rent and property payments, wallet loads, jewellery, school and college fees, government and tax payments, money transfers and payments to financial institutions earn points only on the first ₹1 lakh a calendar month across all of them combined (up to 3,000 points, about ₹3,000). Spend above that in these categories earns nothing.", "The extra points on flights, hotels and car rentals booked through HSBC's Travel with Points portal are capped at 18,000 a calendar month. The normal 3 points per ₹100 have no cap." ], "excluded_spends": [ "fuel", "emi", "cash" ], "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/premier_cc_tariff_mitc.pdf", "last_verified": "2026-10-20" }, { "card": "HSBC RuPay Cashback Credit Card", "slug": "hsbc-rupay-cashback", "issuer": "HSBC", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 10, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 1, "value_back_pct_bills": null, "value_back_pct_dining": 10, "reward_summary": "10% cashback on dining, food delivery and groceries and 1% on other eligible spends, including UPI payments at shops, with all cashback capped at ₹400 a month (the 10% rate alone reaches the cap at ₹4,000 of spend). Links to UPI apps; abroad it works on the JCB network.", "reward_caps": [ "All cashback, at 10% and at 1%, is capped at ₹400 a month combined. The 10% rate on dining, food delivery and groceries alone reaches the cap at ₹4,000 of spend." ], "excluded_spends": [ "fuel", "wallet", "rent", "education", "government", "insurance", "jewellery", "cash", "emi" ], "source_url": "https://www.hsbc.bank.in/credit-cards/products/rupay-cashback-credit-card/", "last_verified": "2026-10-19" }, { "card": "HSBC RuPay Platinum Credit Card", "slug": "hsbc-rupay-platinum", "issuer": "HSBC", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": null, "reward_summary": "2 reward points for every ₹150 you spend, including UPI payments to merchants once the card is linked to a UPI app. HSBC doesn't publish a fixed rupee value for a point: you redeem in the HSBC India app for gift cards, merchandise, flights and hotels on its Travel with Points portal, or move points to 11 airline and 5 hotel programmes (mostly 2 points for 1 mile or hotel point). Flights and hotels booked on the portal earn 4 to 6 times the points. Points last 3 years. Fuel, utility bills, insurance, rent, wallet loads, school fees, government payments and jewellery earn nothing.", "reward_caps": [ "The extra points on flights, hotels and car rentals booked through HSBC's Travel with Points portal are capped at 18,000 a calendar month. The normal 2 points per ₹150 have no cap." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery", "cash" ], "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/rupay-platinum/hsbc-rupay-most-important-tncs.pdf", "last_verified": "2026-10-20" }, { "card": "HSBC TravelOne Credit Card", "slug": "hsbc-travelone", "issuer": "HSBC", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": null, "reward_summary": "Travel card: 4 reward points per ₹100 on airlines, travel booking sites and foreign-currency spends, 2 per ₹100 on most other spends, and 10,000 bonus points once you spend ₹12 lakh in a card year. Points move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes (including Marriott and Accor); HSBC sets no fixed rupee value for them. Fuel, utility bills, rent and insurance earn nothing.", "reward_caps": [ "The extra points on airlines, travel booking sites and foreign-currency spends stop after 50,000 bonus points in a calendar month, which takes about ₹25 lakh of such spend; after that these spends earn the normal 2 points per ₹100. One clause in HSBC's card guide gives 15,000 instead of 50,000." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery", "cash" ], "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/most-important-terms-and-conditions.pdf", "last_verified": "2026-10-19" }, { "card": "HSBC Visa Platinum Credit Card", "slug": "hsbc-visa-platinum", "issuer": "HSBC", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": null, "reward_summary": "2 reward points per ₹150 spent, and more on flights, hotels and car rentals booked through HSBC's Travel with Points portal (up to 12 points per ₹150 on hotels). Points can go to airline miles (2 points per mile with most partners), hotel points, gift cards or merchandise in HSBC's app, but HSBC sets no fixed rupee value for them. Fuel, utility bills, rent, insurance and wallet loads earn nothing.", "reward_caps": [ "The extra points on flights, hotels and car rentals booked through HSBC's Travel with Points portal are capped at 18,000 a calendar month. The normal 2 points per ₹150 have no cap." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "emi", "jewellery", "cash" ], "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/platinum_mostimp_tnc.pdf", "last_verified": "2026-10-19" }, { "card": "ICICI Bank Coral RuPay Credit Card", "slug": "icici-coral-rupay", "issuer": "ICICI Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "2 reward points per ₹100 on most spends, including UPI payments, and 1 point per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Milestone bonus of up to 10,000 points a year, plus BookMyShow and INOX movie discounts.", "reward_caps": [ "Utility spends (including government payments, which ICICI counts as utilities) earn points only on the first ₹40,000 of spend in a statement cycle.", "Insurance spends earn points only on the first ₹40,000 of spend in a statement cycle. Insurance is not a reward_rate key.", "Grocery and department store spends earn points only on the first ₹20,000 of spend in a statement cycle.", "Since 1 Feb 2026, transport spends (local transport, rail, bus and tolls) earn points only on the first ₹10,000 of spend in a statement cycle.", "Milestone bonus points (2,000 at ₹2 lakh of yearly spend, then 1,000 for each extra ₹1 lakh) are capped at 10,000 points a card year." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card", "last_verified": "2026-10-19" }, { "card": "ICICI Bank Emeralde Credit Card", "slug": "icici-emeralde", "issuer": "ICICI Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "4 reward points per ₹100 on spends in India and abroad, and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth on this card. Buy-one-get-one BookMyShow tickets (up to ₹750 off the second, up to 4 times a month) after ₹25,000 of spend in the previous quarter, a ₹5,000 birthday voucher (Tata CLiQ on Amex, Postcard Hotels on Mastercard) and up to 4 golf rounds a month. Fuel, rent and wallet loads earn nothing.", "reward_caps": [ "Utility spends (including government payments, which ICICI counts as utilities) earn points only on the first ₹80,000 of spend in a statement cycle.", "Insurance spends earn points only on the first ₹80,000 of spend in a statement cycle. Insurance is not a reward_rate key.", "Grocery and department store spends earn points only on the first ₹40,000 of spend in a statement cycle.", "Since 1 Feb 2026, transport spends (local transport, rail, bus and tolls) earn points only on the first ₹20,000 of spend in a statement cycle." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-credit-card", "last_verified": "2026-10-20" }, { "card": "ICICI Bank Emeralde Private Metal Credit Card", "slug": "icici-emeralde-private-metal", "issuer": "ICICI Bank", "value_back_pct_default": 3, "value_back_pct_online": 3, "value_back_pct_grocery": 3, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 3, "value_back_pct_bills": 3, "value_back_pct_dining": 3, "reward_summary": "6 reward points per ₹200 on most spends: about 3% back if you use the points for flight and hotel vouchers or select brand vouchers (₹1 a point), 1.8% on catalogue products (₹0.60 a point) or 1.2% as statement credit (₹0.40 a point). 12,500 bonus points each time the joining or annual fee is paid, EaseMyTrip flight vouchers worth ₹6,000 at ₹8 lakh of yearly spend, and buy-one-get-one BookMyShow tickets (up to ₹750 off, twice a month). Fuel, rent, government, tax and wallet payments earn nothing.", "reward_caps": [ "Grocery and department store spends earn at most 1,000 points a statement cycle (₹1,000 at ₹1 a point), reached at about ₹33,000 of spend.", "Utility bills earn at most 1,000 points a statement cycle, reached at about ₹33,000 of spend.", "Education payments earn at most 1,000 points a statement cycle. Education is not a reward_rate key.", "Insurance premiums earn at most 5,000 points a statement cycle, reached at about ₹1.67 lakh of spend. Insurance is not a reward_rate key." ], "excluded_spends": [ "fuel", "rent", "government", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card", "last_verified": "2026-10-19" }, { "card": "ICICI Bank Instant Platinum Credit Card", "slug": "icici-instant-platinum", "issuer": "ICICI Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "ICICI doesn't publish this card's reward rate or what its points are worth. Its card-wide terms say fuel, rent, wallet loads, cash and EMI spends earn no points, and transport spends earn points only on the first ₹10,000 a statement cycle.", "reward_caps": [ "Since 1 Feb 2026, transport spends (rail, bus, local transport and tolls) earn points only on the first ₹10,000 of spend in a statement cycle. Transport isn't a reward_rate key." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf", "last_verified": "2026-10-20" }, { "card": "ICICI Bank Rubyx Credit Card", "slug": "icici-rubyx", "issuer": "ICICI Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers on paying the joining fee (Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 for flights and ₹3,000 for holidays, Croma ₹1,000, ₹10,000 off an Elivaas stay of ₹50,000 or more, 3 months of EazyDiner Prime), a milestone bonus of up to 15,000 points a year, and 25% off movie tickets (up to ₹150, twice a month each on BookMyShow and INOX).", "reward_caps": [ "Utility spends (including government payments, which ICICI counts as utilities) earn points only on the first ₹80,000 of spend in a statement cycle.", "Insurance spends earn points only on the first ₹80,000 of spend in a statement cycle. Insurance is not a reward_rate key.", "Grocery and department store spends earn points only on the first ₹40,000 of spend in a statement cycle.", "Since 1 Feb 2026, transport spends (local transport, rail, bus and tolls) earn points only on the first ₹20,000 of spend in a statement cycle.", "Milestone bonus points (3,000 at ₹3 lakh of yearly spend, then 1,500 for each extra ₹1 lakh) are capped at 15,000 points a year." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card", "last_verified": "2026-10-20" }, { "card": "ICICI Bank Sapphiro Credit Card", "slug": "icici-sapphiro", "issuer": "ICICI Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers worth over ₹13,000, milestone bonus of up to 20,000 points a year, and buy-one-get-one BookMyShow tickets.", "reward_caps": [ "Utility spends (including government payments, which ICICI counts as utilities) earn points only on the first ₹80,000 of spend in a statement cycle.", "Insurance spends earn points only on the first ₹80,000 of spend in a statement cycle. Insurance is not a reward_rate key.", "Grocery and department store spends earn points only on the first ₹40,000 of spend in a statement cycle.", "Since 1 Feb 2026, transport spends (local transport, rail, bus and tolls) earn points only on the first ₹20,000 of spend in a statement cycle.", "Milestone bonus points (4,000 at ₹4 lakh of yearly spend, then 2,000 for each extra ₹1 lakh) are capped at 20,000 points a card year." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card", "last_verified": "2026-10-19" }, { "card": "IDFC FIRST Bank HPCL FIRST Power Credit Card", "slug": "idfc-first-power", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.33, "value_back_pct_online": null, "value_back_pct_grocery": 2.5, "value_back_pct_fuel": 3.5, "value_back_pct_upi": 0.33, "value_back_pct_travel": null, "value_back_pct_bills": 2.5, "value_back_pct_dining": 0.33, "reward_summary": "HPCL fuel earns 3.5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries and utilities 2.5%, FASTag recharge 2.5%, other spends about 0.33%; each category is capped per statement cycle.", "reward_caps": [ "HPCL fuel earns 21 points per ₹150 on up to ₹5,000 of HPCL fuel spend per statement cycle (max 700 points = ₹175). The separate HP Pay Happy Coins (1.5%, max 600 coins = ₹150 a month on ₹10,000) come on top and aren't included in the rates we show.", "Grocery and utility spends combined earn 15 points per ₹150 on up to ₹4,000 per statement cycle (max 400 points = ₹100).", "IDFC FIRST FASTag recharges (via the bank's app) earn 15 points per ₹150 on up to ₹2,000 per statement cycle (max 200 points = ₹50). This is separate from the grocery-and-utility cap." ], "excluded_spends": [ "insurance", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST Bank HPCL FIRST Power+ Credit Card", "slug": "idfc-first-power-plus", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.5, "value_back_pct_online": null, "value_back_pct_grocery": 5, "value_back_pct_fuel": 5, "value_back_pct_upi": 0.5, "value_back_pct_travel": null, "value_back_pct_bills": 5, "value_back_pct_dining": 0.5, "reward_summary": "HPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter.", "reward_caps": [ "HPCL fuel earns 30 points per ₹150 on up to ₹12,000 of HPCL fuel spend per statement cycle (max 2,400 points = ₹600). The separate HP Pay Happy Coins (1.5%, max 600 coins = ₹150 a month on ₹10,000) come on top and aren't included in the rates we show.", "Grocery and utility spends combined earn 30 points per ₹150 on up to ₹2,000 per statement cycle (max 400 points = ₹100).", "IDFC FIRST FASTag recharges (via the bank's app) earn 30 points per ₹150 on up to ₹1,000 per statement cycle (max 200 points = ₹50). This is separate from the grocery-and-utility cap." ], "excluded_spends": [ "insurance", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST Classic Credit Card", "slug": "idfc-first-classic", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.375, "value_back_pct_online": 0.375, "value_back_pct_grocery": 0.375, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.25, "value_back_pct_bills": 0.125, "value_back_pct_dining": 1.25, "reward_summary": "Reward points worth 1.25% back on dining (including food delivery), travel and spends on your birthday, 0.375% on most other spends, and 0.125% on utilities, insurance, railway tickets and FASTag. From 26 October 2026, international spends earn nothing. No points on fuel, EMI or cash withdrawals.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-19" }, { "card": "IDFC FIRST Mayura Credit Card", "slug": "idfc-first-mayura", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 1.667, "value_back_pct_online": 1.667, "value_back_pct_grocery": 1.667, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.667, "value_back_pct_bills": 0.333, "value_back_pct_dining": 1.667, "reward_summary": "Reward points on every ₹150, worth ₹0.50 each when you book flights and hotels in IDFC FIRST's app (₹0.25 on vouchers, products and other redemptions). At the travel value: 1.67% back on your first ₹20,000 of spends a month and on international spends, 3.33% on spends above ₹20,000 a month and on your birthday; rent, education, wallet loads and government payments 1%; insurance, utilities, railways and FASTag 0.33%. Halve these at ₹0.25 a point. Extra bonus points on hotels and flights booked in the app. No points on fuel, EMI or cash withdrawals. International spends keep earning points after IDFC FIRST's 26 October 2026 change.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-20" }, { "card": "IDFC FIRST Millennia Credit Card", "slug": "idfc-first-millennia", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.375, "value_back_pct_online": 0.375, "value_back_pct_grocery": 0.375, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.25, "value_back_pct_bills": 0.125, "value_back_pct_dining": 1.25, "reward_summary": "Dining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST Select Credit Card", "slug": "idfc-first-select", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.375, "value_back_pct_online": 0.375, "value_back_pct_grocery": 0.375, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.25, "value_back_pct_bills": 0.125, "value_back_pct_dining": 1.25, "reward_summary": "Dining, travel and birthday spends earn 1.25% back in reward points, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Zero forex markup, plus a domestic airport lounge visit each quarter.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST SWYP Credit Card", "slug": "idfc-first-swyp", "issuer": "IDFC FIRST Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "Monthly milestone rewards rather than a per-spend rate: 200 points (₹50) at ₹5,000 spend in a cycle, rising to 4,000 points (₹1,000) at ₹60,000, which works out to about 1–1.67% at each threshold. Purchases are paid in full or converted to EMI for a flat monthly fee; balances can't be carried over.", "reward_caps": [ "Monthly milestone rewards top out at 4,000 points (₹1,000) per statement cycle, reached at ₹60,000 of eligible spend; each tier pays a total, not an increment, so spend above ₹60,000 earns nothing more.", "Education, FASTag and railway spends earn a separate bonus of up to 800 points (₹200) per statement cycle, reached at ₹40,000 of such spends." ], "excluded_spends": [ "fuel", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST Wealth Credit Card", "slug": "idfc-first-wealth", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.375, "value_back_pct_online": 0.375, "value_back_pct_grocery": 0.375, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.25, "value_back_pct_bills": 0.125, "value_back_pct_dining": 1.25, "reward_summary": "Dining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash", "international" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-18" }, { "card": "IDFC FIRST WOW! Credit Card", "slug": "idfc-first-wow", "issuer": "IDFC FIRST Bank", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 0.5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.5, "value_back_pct_bills": 0.125, "value_back_pct_dining": 0.5, "reward_summary": "Secured card against a ₹20,000+ FD with no income proof or credit history. Online, offline and international spends earn 0.5% back in reward points, utilities, insurance, railways and FASTag 0.125%; zero forex markup.", "reward_caps": [], "excluded_spends": [ "fuel", "emi", "cash" ], "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf", "last_verified": "2026-10-18" }, { "card": "IndianOil Axis Bank Credit Card", "slug": "indianoil-axis", "issuer": "Axis Bank", "value_back_pct_default": 0.2, "value_back_pct_online": 1, "value_back_pct_grocery": null, "value_back_pct_fuel": 4, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 0.2, "reward_summary": "Fuel card: 4% value back at IndianOil outlets (capped), 1% on small online spends, 0.2% elsewhere, plus 1% fuel surcharge waiver.", "reward_caps": [ "4% value back (20 points per ₹100) at IndianOil outlets on up to ₹5,000 of eligible fuel spend per calendar month, only on transactions settling between ₹400 and ₹4,000. That is about ₹200 back a month at 4%.", "1% value back (5 points per ₹100) on online transactions of ₹100 to ₹5,000, on up to ₹5,000 of eligible spend per calendar month; that is about ₹50 back a month." ], "excluded_spends": [ "utilities", "education", "rent", "wallet", "government", "insurance", "jewellery", "cash" ], "source_url": "https://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card", "last_verified": "2026-10-18" }, { "card": "IndianOil RBL Bank XTRA Credit Card", "slug": "indianoil-rbl-xtra", "issuer": "RBL Bank (co-brand with IndianOil)", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 7.5, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "15 fuel points per ₹100 at selected IndianOil outlets (up to 2,000 points a month) and 2 points per ₹100 elsewhere, worth most when converted to IndianOil XTRA reward points for fuel.", "reward_caps": [ "15 fuel points per ₹100 at select IndianOil outlets, up to 2,000 fuel points a month: ₹1,000 when converted to XTRAREWARDS and redeemed at IndianOil pumps (₹0.50 a point), ₹200 on the RBL rewards portal (₹0.10 a point)." ], "excluded_spends": [ "utilities", "insurance", "railway", "rent", "education", "wallet", "government", "cash", "emi" ], "source_url": "https://webassets.rbl.bank.in/document/credit-cards/tnc-indianoil-rbl-bank-extra-credit-card.pdf", "last_verified": "2026-10-18" }, { "card": "IndusInd Bank Platinum RuPay Credit Card", "slug": "indusind-platinum-rupay", "issuer": "IndusInd Bank", "value_back_pct_default": 0.6, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": 1.2, "value_back_pct_travel": null, "value_back_pct_bills": 0.42, "value_back_pct_dining": 0.6, "reward_summary": "2 reward points per ₹100 on UPI spends and 1 point per ₹100 on other spends; 0.7 points per ₹100 on utilities, insurance, government and education payments; no points on fuel.", "reward_caps": [], "excluded_spends": [ "fuel" ], "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html", "last_verified": "2026-10-18" }, { "card": "IndusInd Bank Tiger Credit Card", "slug": "indusind-tiger", "issuer": "IndusInd Bank (co-brand with Tiger Fintech, a Bajaj Capital Group company)", "value_back_pct_default": 0.4, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": 0.4, "reward_summary": "Spend-slab rewards: 1 point per ₹100 up to ₹1 lakh a year, rising to 2, 4 and 6 points per ₹100 at higher yearly spend; no points on fuel, utilities, rent, insurance, education or government payments.", "reward_caps": [], "excluded_spends": [ "fuel" ], "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html", "last_verified": "2026-10-18" }, { "card": "Jupiter Edge+ RuPay Credit Card (CSB Bank)", "slug": "jupiter-edge-csb-rupay", "issuer": "CSB Bank", "value_back_pct_default": 1, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": 1, "reward_summary": "Earns 5% Jewels (about 1% value) on most spends and UPI via Jupiter's UPI app; much higher Jewels on select shopping brands, subject to monthly spend conditions.", "reward_caps": [ "Shopping category (select brands such as Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma): up to 10,000 Jewels per statement cycle, 3,000 per merchant and 1,000 per transaction (₹2,000, ₹600 and ₹200 at ₹0.20 a Jewel).", "Travel booked on Jupiter Flights: up to 5,000 Jewels per statement cycle (₹1,000 at ₹0.20 a Jewel)." ], "excluded_spends": [ "fuel", "government", "rent", "utilities", "wallet", "cash", "emi", "insurance" ], "source_url": "https://jupiter.money/edge-csb-card-kfs/", "last_verified": "2026-10-18" }, { "card": "Kiwi RuPay Credit Card (PNB)", "slug": "kiwi-pnb-rupay", "issuer": "Punjab National Bank", "value_back_pct_default": null, "value_back_pct_online": 0.5, "value_back_pct_grocery": null, "value_back_pct_fuel": null, "value_back_pct_upi": 1.5, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": 0.5, "reward_summary": "RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers.", "reward_caps": [ "Kiwis earned in a month are capped at 1% of the card's credit limit (for example ₹500 on a ₹50,000 limit)." ], "excluded_spends": [ "fuel", "jewellery", "government", "education", "utilities", "insurance", "rent", "wallet", "cash" ], "source_url": "https://creditcard.pnb.bank.in/types18.html", "last_verified": "2026-10-18" }, { "card": "Kiwi RuPay Credit Card (YES Bank Klick)", "slug": "kiwi-yes-rupay", "issuer": "YES Bank", "value_back_pct_default": null, "value_back_pct_online": 0.5, "value_back_pct_grocery": null, "value_back_pct_fuel": null, "value_back_pct_upi": 1.5, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": 0.5, "reward_summary": "Virtual RuPay card for UPI: 1.5% cashback on UPI scan and pay, 0.5% on online spends, paid as Kiwis worth ₹0.25 each.", "reward_caps": [ "Kiwis earned in a month are capped at 1% of the card's credit limit (for example ₹500 on a ₹50,000 limit)." ], "excluded_spends": [ "fuel", "jewellery", "government", "education", "utilities", "insurance", "rent", "wallet", "cash" ], "source_url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf", "last_verified": "2026-10-18" }, { "card": "Kotak League Platinum Credit Card", "slug": "kotak-league-platinum", "issuer": "Kotak Mahindra Bank", "value_back_pct_default": 0.27, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.53, "value_back_pct_bills": null, "value_back_pct_dining": 0.27, "reward_summary": "4 reward points per ₹150 on most spends, 8 points per ₹150 on travel, airline, department store, durables and electric-sales spends and on all spends once yearly spend crosses ₹2 lakh; no points on fuel, rent, insurance or railways.", "reward_caps": [ "Points on utility and telecom spends (MCC 4812, 4814, 4899, 4900) are earned only on the first ₹35,000 of such spends per statement cycle." ], "excluded_spends": [ "wallet", "government", "rent", "education", "fuel", "insurance", "railway" ], "source_url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html", "last_verified": "2026-10-18" }, { "card": "Kotak811 Dream Different Credit Card", "slug": "kotak-811-dream-different", "issuer": "Kotak Mahindra Bank", "value_back_pct_default": 2, "value_back_pct_online": 2, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": 2, "value_back_pct_travel": 2, "value_back_pct_bills": 2, "value_back_pct_dining": 2, "reward_summary": "2% cashback on most spends, including UPI payments made in the Kotak811 app, but only in billing cycles where you spend ₹15,000 or more. Cashback is capped at ₹500 a cycle (of which at most ₹200 from UPI) and ₹100 a transaction, and you claim it in the 811 app into your Kotak savings account. Fuel, rent, wallet loads, insurance, gold, gaming and EMI spends earn nothing.", "reward_caps": [ "2% cashback is capped at ₹500 a billing cycle across all spends, reached at ₹25,000. It is paid only in cycles with at least ₹15,000 of eligible spend, and each transaction earns at most ₹100.", "UPI cashback counts only for payments made in the Kotak811 app and is capped at ₹200 a cycle (reached at ₹10,000), within the ₹500 total." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "emi", "jewellery", "cash" ], "source_url": "https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/DreamDifferent.pdf", "last_verified": "2026-10-20" }, { "card": "Kotak811 super.money Credit Card", "slug": "kotak-811-super-money", "issuer": "Kotak Mahindra Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": null, "value_back_pct_upi": 1, "value_back_pct_travel": 1, "value_back_pct_bills": 1, "value_back_pct_dining": 1, "reward_summary": "Cashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction).", "reward_caps": [ "1% UPI cashback (super.money app only, payments of ₹100 or more) is capped at ₹500 a billing cycle, reached at ₹50,000.", "2% Flipkart cashback (card payments, not UPI) is capped at ₹500 a billing cycle and ₹100 a transaction. Flipkart isn't a reward_rate key.", "1% on other card spends (payments of ₹100 or more) is capped at ₹10,000 a billing cycle, as the bank's table states." ], "excluded_spends": [ "cash" ], "source_url": "https://www.kotak811.bank.in/credit-cards/811-super-money-credit-card", "last_verified": "2026-10-20" }, { "card": "LIC Axis Bank Platinum Credit Card", "slug": "lic-axis-platinum", "issuer": "Axis Bank", "value_back_pct_default": 0.66, "value_back_pct_online": 0.66, "value_back_pct_grocery": 0.66, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.66, "value_back_pct_bills": 0, "value_back_pct_dining": 0.66, "reward_summary": "Lifetime-free card: 2 reward points per ₹100 on LIC premiums and foreign currency spends, 1 point per ₹100 elsewhere; a point is worth about ₹0.66 on the LIC rewards catalogue, so about 1.3% and 0.66% back. Fuel, utilities, rent, wallet and EMI earn nothing.", "reward_caps": [], "excluded_spends": [ "utilities", "education", "rent", "wallet", "government", "jewellery", "fuel", "cash", "emi" ], "source_url": "https://www.axis.bank.in/mitnc", "last_verified": "2026-10-18" }, { "card": "LIC Axis Bank Signature Credit Card", "slug": "lic-axis-signature", "issuer": "Axis Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "Lifetime-free card: 2 reward points per ₹100 on LIC premiums and foreign currency spends, 1 point per ₹100 elsewhere; a point is worth up to ₹1 on the LIC rewards catalogue, so about 2% and 1% back. Fuel, utilities, rent, wallet and EMI earn nothing.", "reward_caps": [], "excluded_spends": [ "utilities", "education", "rent", "wallet", "government", "jewellery", "fuel", "cash", "emi" ], "source_url": "https://www.axis.bank.in/mitnc", "last_verified": "2026-10-18" }, { "card": "Marriott Bonvoy HDFC Bank Credit Card", "slug": "marriott-bonvoy-hdfc", "issuer": "HDFC Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "Earns Marriott Bonvoy points, not cash: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, and 2 per ₹150 on most other spends. Points go to your Marriott Bonvoy account for hotel stays and other Marriott rewards and can't be turned into cash; HDFC Bank doesn't give them a rupee value. Up to 3 extra free nights a year when your spend in a card year reaches ₹6 lakh, ₹9 lakh and ₹15 lakh. Fuel, rent, wallet loads, vouchers, EMI and government payments earn nothing.", "reward_caps": [ "8 points per ₹150 at Marriott hotels applies to the first ₹10 lakh of spend there each month; above that you earn 2 points per ₹150.", "4 points per ₹150 on travel, dining and entertainment applies to the first ₹5 lakh of such spend each month; above that you earn 2 points per ₹150.", "Grocery earns 2 points per ₹150 on the first ₹1.5 lakh each month and nothing after that.", "Utility bills earn at most 2,000 points a calendar month.", "Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card/fees-and-charges", "last_verified": "2026-10-20" }, { "card": "OneCard (One Credit Card)", "slug": "onecard", "issuer": "Federal Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": null, "reward_summary": "1 reward point per ₹50 spent (fractions count), and 5 times the points in your top 2 spend categories each month if you spend at least ₹750 in each of 3 categories. Points never expire while the card is used at least once a year and can pay off recent purchases in the app with no fee. The bank doesn't publish what a point is worth in rupees. No points on fuel, rent, wallet loads, money transfers, cash, merchant EMIs, or bills and utilities.", "reward_caps": [], "excluded_spends": [ "fuel", "rent", "wallet", "cash", "emi", "utilities" ], "source_url": "https://assets.getonecard.app/assets/legal/Federal_KFS.pdf", "last_verified": "2026-10-19" }, { "card": "PhonePe SBI Card PURPLE", "slug": "phonepe-sbi-purple", "issuer": "SBI Card", "value_back_pct_default": 1, "value_back_pct_online": 2, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 2, "value_back_pct_bills": 3, "value_back_pct_dining": 2, "reward_summary": "Reward points worth ₹1 each: 3% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 2% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.", "reward_caps": [ "3% on recharges, bills and travel in the PhonePe app is capped at 750 points (₹750) a calendar month, reached at ₹25,000 of spend; insurance in the app has its own cap of 250 points.", "2% on online spends is capped at 750 points (₹750) a calendar month, reached at ₹37,500 of spend.", "1% on other spends is capped at 1,000 points (₹1,000) a calendar month, reached at ₹1 lakh of spend." ], "excluded_spends": [ "fuel", "wallet", "rent", "education", "government", "jewellery", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-purple.html", "last_verified": "2026-10-19" }, { "card": "PhonePe SBI Card SELECT BLACK", "slug": "phonepe-sbi-select-black", "issuer": "SBI Card", "value_back_pct_default": 1, "value_back_pct_online": 5, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 5, "value_back_pct_bills": 10, "value_back_pct_dining": 5, "reward_summary": "Reward points worth ₹1 each: 10% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 5% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.", "reward_caps": [ "10% on recharges, bills and travel in the PhonePe app is capped at 1,500 points (₹1,500) a calendar month, reached at ₹15,000 of spend; insurance in the app has its own cap of 500 points (₹5,000 of spend).", "5% on online spends is capped at 1,000 points (₹1,000) a calendar month, reached at ₹20,000 of spend.", "1% on other spends is capped at 2,000 points (₹2,000) a calendar month, reached at ₹2 lakh of spend." ], "excluded_spends": [ "fuel", "wallet", "rent", "education", "government", "jewellery", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-select-black.html", "last_verified": "2026-10-19" }, { "card": "RBL Bank ShopRite Credit Card", "slug": "rbl-shoprite", "issuer": "RBL Bank", "value_back_pct_default": 0.25, "value_back_pct_online": 0.25, "value_back_pct_grocery": 5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 0.25, "reward_summary": "20 reward points per ₹100 on grocery (capped at 1,000 points a month; RBL Bank calls this 5% value back) and 1 point per ₹100 on other eligible spends; no points on fuel, utilities or rent.", "reward_caps": [ "20 points per ₹100 on grocery, capped at 1,000 points a month, which RBL defines as one billing cycle (up to ₹250 at ₹0.25 a point). Above the cap, grocery earns 1 point per ₹100." ], "excluded_spends": [ "fuel", "utilities", "insurance", "railway", "rent", "wallet", "education", "government", "cash", "emi" ], "source_url": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/shoprite-credit-card", "last_verified": "2026-10-18" }, { "card": "Roarbank UPI Credit Card (Unity Small Finance Bank)", "slug": "roarbank-upi", "issuer": "Unity Small Finance Bank", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": null, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": 1, "value_back_pct_dining": null, "reward_summary": "Pick two categories each month for up to 20% cashback (capped at ₹2,500 a month), plus a flat 1% on utility bills and mobile top-ups; works on UPI apps.", "reward_caps": [ "Total cashback is capped at ₹2,500 per calendar month across all categories; anything above that isn't credited or carried forward." ], "excluded_spends": [], "source_url": "https://unity.bank.in/personal-banking/cards/credit-card/usfb-roarbank-credit-card", "last_verified": "2026-10-18" }, { "card": "SalarySe Level UP Credit Card (City Union Bank)", "slug": "salaryse-level-up", "issuer": "City Union Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": 1, "reward_summary": "Earns SalarySe SCoins worth about 1% on regular spends (2% on monthly spend above ₹20,000) and 5% on SalarySe UPI on the 1st and last day of the month (7.5% with the paid physical card); lounge access comes with the paid physical card.", "reward_caps": [ "SalaryDay Bonus (SalarySe UPI on the 1st and last day of the month) applies to up to ₹15,000 of spend per billing cycle: at most 3,750 SCoins (₹750) on the free virtual card, 5,625 SCoins (₹1,125) with the paid physical card.", "Base, accelerated and super-accelerated rewards together are capped at 10% of the credit limit a month (e.g. 10,000 SCoins, ₹2,000, on a ₹1 lakh limit); SalaryDay Bonus is on top of this." ], "excluded_spends": [ "cash", "wallet", "fuel", "jewellery" ], "source_url": "https://www.cityunionbank.bank.in/filemanager/Oct26/KFS_V6%20English.pdf", "last_verified": "2026-10-18" }, { "card": "SBI Card ELITE", "slug": "sbi-elite", "issuer": "SBI Card", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 2.5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.5, "value_back_pct_bills": 0.5, "value_back_pct_dining": 2.5, "reward_summary": "Premium lifestyle card: 10 points per ₹100 on dining, grocery and departmental stores (about 2.5% back), free movie tickets worth up to ₹6,000 a year, 1.99% forex markup and lounge access.", "reward_caps": [ "Accelerated 10X points on dining, departmental stores and grocery are capped at 10,000 points per calendar month (₹2,500 at 4 points = Re 1); base 2 points per ₹100 continue after the cap." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html", "last_verified": "2026-10-18" }, { "card": "SBI Card MILES ELITE", "slug": "sbi-miles-elite", "issuer": "SBI Card", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 0.5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1.5, "value_back_pct_bills": 0, "value_back_pct_dining": 0.5, "reward_summary": "Premium travel card: 6 Travel Credits per ₹200 on travel and 2 per ₹200 elsewhere, 1.99% forex markup, domestic and Priority Pass lounge visits.", "reward_caps": [ "Travel Credits on all online and offline spends are capped at 15,000 per calendar month; after the cap no credits are earned that month. That's worth ₹7,500 at ₹0.50 per credit on travel bookings (the value our rates use), or ₹15,000 when converted to air miles or hotel points at Re 1 each." ], "excluded_spends": [ "fuel", "wallet", "rent", "education", "utilities", "insurance", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-elite.html", "last_verified": "2026-10-18" }, { "card": "SBI Card PRIME", "slug": "sbi-prime", "issuer": "SBI Card", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 2.5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.5, "value_back_pct_bills": 0.5, "value_back_pct_dining": 2.5, "reward_summary": "Premium rewards card: 10 points per ₹100 on dining, movies, grocery and departmental stores (about 2.5% back), 2 points per ₹100 elsewhere, plus lounge visits and milestone vouchers.", "reward_caps": [ "Accelerated 10X points on dining, movies, departmental stores and grocery are capped at 7,500 points per calendar month (₹1,875 at 4 points = Re 1); base 2 points per ₹100 continue after the cap.", "Birthday-window 20X points (day before, day of, day after) are capped at 2,000 points a calendar year (₹500)." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html", "last_verified": "2026-10-18" }, { "card": "SBI Card PULSE", "slug": "sbi-pulse", "issuer": "SBI Card", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 0.5, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.5, "value_back_pct_bills": 0.5, "value_back_pct_dining": 2.5, "reward_summary": "Health and lifestyle card: 10 points per ₹100 on pharmacy, dining, movies and sports (about 2.5% back), 2 points per ₹100 elsewhere, plus a smartwatch welcome gift and FITPASS PRO and Netmeds First memberships.", "reward_caps": [ "Accelerated 10X points on chemist, pharmacy, dining and movies are capped at 7,500 points per calendar month (₹1,875 at 4 points = Re 1); base 2 points per ₹100 continue after the cap." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html", "last_verified": "2026-10-18" }, { "card": "Scapia Federal Bank Credit Card (Visa + complimentary RuPay)", "slug": "scapia-federal", "issuer": "Federal Bank", "value_back_pct_default": 2, "value_back_pct_online": 2, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 4, "value_back_pct_bills": 0, "value_back_pct_dining": 2, "reward_summary": "Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend.", "reward_caps": [], "excluded_spends": [ "rent", "cash", "emi", "education", "fuel", "wallet", "insurance", "utilities", "government" ], "source_url": "https://www.federal.bank.in/scapia", "last_verified": "2026-10-18" }, { "card": "SimplyCLICK SBI Card", "slug": "simplyclick-sbi", "issuer": "SBI Card", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "Online-shopping rewards card: 10X points at partner sites, 5X on other online spends, plus ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends.", "reward_caps": [ "5X points on online spends outside the exclusive partners are capped at 10,000 points per calendar month, then 1 point per ₹100. 10X points at exclusive partners have no cap. No rupee value per point is published for this card." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/simplyclick-sbi-card.html", "last_verified": "2026-10-18" }, { "card": "SimplySAVE SBI Card", "slug": "simplysave-sbi", "issuer": "SBI Card", "value_back_pct_default": 0.17, "value_back_pct_online": 0.17, "value_back_pct_grocery": 1.67, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 0.17, "value_back_pct_bills": 0.17, "value_back_pct_dining": 1.67, "reward_summary": "Everyday spends card: 10X points on dining, movies, grocery and departmental stores (about 1.67% back), 1 point per ₹150 elsewhere.", "reward_caps": [ "10X points on dining, movies, grocery and departmental stores are capped at 5,000 points per month (₹1,250 at 4 points = Re 1); then 1 point per ₹150." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "emi", "cash" ], "source_url": "https://www.sbicard.com/en/personal/credit-cards/simplysave-sbi-card.html", "last_verified": "2026-10-18" }, { "card": "Suryoday SFB Stable Money RuPay Platinum Credit Card", "slug": "stable-money-suryoday", "issuer": "Suryoday Small Finance Bank", "value_back_pct_default": 0.5, "value_back_pct_online": 0.5, "value_back_pct_grocery": 0.5, "value_back_pct_fuel": 0, "value_back_pct_upi": 0.5, "value_back_pct_travel": 0.5, "value_back_pct_bills": 0, "value_back_pct_dining": 0.5, "reward_summary": "Flat 0.5% cashback on card and UPI spends, adjusted against your next bill, capped at ₹3,000 per billing cycle. Fuel, rent, utilities, phone and wallet recharges, insurance, education, government payments, trains, metro, buses and cab rides earn nothing.", "reward_caps": [ "Cashback is capped at ₹3,000 per billing cycle, reached at ₹6 lakh of eligible spend." ], "excluded_spends": [ "fuel", "insurance", "wallet", "rent", "utilities", "education", "government", "railway", "emi", "cash" ], "source_url": "https://suryoday.bank.in/assets/pdf/kfs-ssfb-rupay-platinum-credit-card-5oct.pdf", "last_verified": "2026-10-20" }, { "card": "Swiggy BLCK HDFC Bank Credit Card", "slug": "swiggy-blck-hdfc", "issuer": "HDFC Bank", "value_back_pct_default": 1, "value_back_pct_online": 5, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 1, "value_back_pct_bills": 1, "value_back_pct_dining": 10, "reward_summary": "Cashback taken off your card bill: 10% on the Swiggy app (food delivery, Instamart, Dineout) up to ₹1,500 a billing cycle, 5% on online spends at listed merchants such as Amazon, Flipkart, Myntra, Nykaa, Cleartrip and BookMyShow up to ₹1,500, and 1% on most other spends up to ₹1,000, so at most ₹4,000 a cycle. Fuel, rent, wallet loads, gift cards, jewellery, gaming, education, EMI and government payments earn nothing. New cardholders get 3 months of Swiggy BLCK membership.", "reward_caps": [ "10% on the Swiggy app (food delivery, Instamart, Dineout) is capped at ₹1,500 a billing cycle, reached at ₹15,000 of Swiggy spend. Swiggy spends aren't one of the spend types we rate.", "5% on online spends at the listed merchants and categories is capped at ₹1,500 a billing cycle, reached at ₹30,000 of spend; online spends elsewhere earn 1%.", "1% on other spends is capped at ₹1,000 a billing cycle, reached at ₹1 lakh of spend." ], "excluded_spends": [ "fuel", "rent", "wallet", "government", "jewellery", "education", "emi", "cash" ], "source_url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-blck-hdfc-bank-credit-card/pdf/combined-tncs-ornge-and-blck.pdf", "last_verified": "2026-10-19" }, { "card": "Tata Neu Infinity HDFC Bank Credit Card", "slug": "tata-neu-infinity-hdfc", "issuer": "HDFC Bank", "value_back_pct_default": 1.5, "value_back_pct_online": 1.5, "value_back_pct_grocery": 1.5, "value_back_pct_fuel": 0, "value_back_pct_upi": 1.5, "value_back_pct_travel": 1.5, "value_back_pct_bills": 1.5, "value_back_pct_dining": 1.5, "reward_summary": "NeuCoins worth ₹1 each on Tata Neu: 5% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1.5% on other spends, up to 1.5% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.", "reward_caps": [ "NeuCoins on eligible UPI transactions (RuPay variant) are capped at 500 per calendar month in total.", "NeuCoins on grocery transactions are capped at 2,000 per month.", "NeuCoins on utility transactions are capped at 2,000 per month.", "NeuCoins on telecom and cable transactions are capped at 2,000 per month (a separate cap from utilities).", "NeuCoins on insurance transactions are capped at 2,000 per month.", "HDFC fair usage policy: at most 50,000 points per statement cycle, applied only to spend categories without their own cap.", "The extra 3.5% at Tata partner brands applies only up to monthly spend limits per brand: Croma ₹6 lakh; Tata CLiQ and Westside ₹3 lakh; IHCL, Air India Express and Air India ₹8 lakh; 1mg, Cult and Tata Play ₹2 lakh; Tata Pay ₹1 lakh; BigBasket ₹1 lakh; Titan and Tanishq ₹6 lakh; Qmin and food delivery via Tata Neu ₹50,000 (yearly limits also apply)." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "cash", "emi" ], "source_url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card/fees-and-charges/pdf/tata1.pdf", "last_verified": "2026-10-18" }, { "card": "Tata Neu Plus HDFC Bank Credit Card", "slug": "tata-neu-plus-hdfc", "issuer": "HDFC Bank", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": 1, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": 1, "value_back_pct_bills": 1, "value_back_pct_dining": 1, "reward_summary": "NeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.", "reward_caps": [ "NeuCoins on eligible UPI transactions (RuPay variant) are capped at 500 per calendar month in total.", "NeuCoins on grocery transactions are capped at 1,000 per month.", "NeuCoins on utility transactions are capped at 2,000 per month.", "NeuCoins on telecom and cable transactions are capped at 2,000 per month (a separate cap from utilities).", "NeuCoins on insurance transactions are capped at 2,000 per month.", "HDFC fair usage policy: at most 25,000 points per statement cycle, applied only to spend categories without their own cap.", "The extra 1% at Tata partner brands applies only up to monthly spend limits per brand: Croma ₹3 lakh; Tata CLiQ and Westside ₹2 lakh; IHCL, Air India Express and Air India ₹4 lakh; 1mg, Cult and Tata Play ₹1 lakh; Tata Pay ₹1 lakh; BigBasket ₹50,000; Titan and Tanishq ₹3 lakh; Qmin and food delivery via Tata Neu ₹50,000 (yearly limits also apply)." ], "excluded_spends": [ "fuel", "wallet", "rent", "government", "cash", "emi" ], "source_url": "https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card/fees-and-charges", "last_verified": "2026-10-18" }, { "card": "Times Black ICICI Bank Credit Card", "slug": "icici-times-black", "issuer": "ICICI Bank", "value_back_pct_default": 2, "value_back_pct_online": 2, "value_back_pct_grocery": 2, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": 2, "value_back_pct_bills": 2, "value_back_pct_dining": 2, "reward_summary": "2% back in reward points on spends in India and 2.5% abroad, if you use the points where ICICI values them at their best (up to ₹1 a point). Taken as statement credit a point is worth ₹0.40, so 0.8% in India and 1% abroad. Milestone rewards worth ₹10,000 each at ₹2 lakh, ₹5 lakh and ₹10 lakh of yearly spend (Klook, airport transfers or WeWork passes, Tata CLiQ Luxury) and a ₹20,000 luxury stay at ₹20 lakh. Fuel and rent earn nothing.", "reward_caps": [ "Utility bills, insurance premiums, education fees and government payments together earn at most 5,000 points a statement cycle (₹5,000 at ₹1 a point), reached at ₹2.5 lakh of combined spend." ], "excluded_spends": [ "fuel", "rent", "wallet", "emi", "cash" ], "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card", "last_verified": "2026-10-20" }, { "card": "Uni GoldX Credit Card (BOBCARD)", "slug": "uni-goldx", "issuer": "BOBCARD Limited (Bank of Baroda subsidiary)", "value_back_pct_default": 1, "value_back_pct_online": 1, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": 1, "value_back_pct_travel": null, "value_back_pct_bills": 0, "value_back_pct_dining": 1, "reward_summary": "Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends.", "reward_caps": [], "excluded_spends": [ "rent", "fuel", "cash", "wallet", "international", "emi", "utilities", "government" ], "source_url": "https://www.uni.cards/credit-card-key-facts/bobbank/", "last_verified": "2026-10-18" }, { "card": "YES BANK POP-CLUB Credit Card", "slug": "yes-pop-club", "issuer": "YES BANK (co-brand with Pop Club)", "value_back_pct_default": null, "value_back_pct_online": null, "value_back_pct_grocery": null, "value_back_pct_fuel": 0, "value_back_pct_upi": null, "value_back_pct_travel": null, "value_back_pct_bills": null, "value_back_pct_dining": null, "reward_summary": "10 POPcoins per ₹100 on online spends and 2 POPcoins per ₹100 on other spends including UPI; no coins on fuel, rent, utilities, insurance or wallet loads. YES does not publish the rupee value of a POPcoin.", "reward_caps": [], "excluded_spends": [ "fuel", "rent", "utilities", "insurance", "wallet" ], "source_url": "https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/pop-club-credit-card", "last_verified": "2026-10-18" } ] }