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10X rewards on Amazon

₹500 Amazon Gift Card as welcome bonus

Zero annual fee, genuinely lifetime free

5% cashback on Amazon for Prime members

5% cashback across 10 popular online platforms

Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more

No annual fee, genuinely lifetime free

Simple flat 2 PAYBACK points on every ₹100 spend

5% cashback on Google Pay, among the highest UPI cashback rates available

3% on utility bills: electricity, water, gas, and phone payments

5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay

4% cashback on Swiggy, Zomato and Ola

Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases

Welcome bonus fully offsets the first-year joining fee

Up to 5% cashback on online shopping

Up to 6% back on travel bookings made through the IDFC FIRST app

10% cashback on dining, food delivery, grocery, shopping & utility spends

Unlimited 1.5% cashback on all other eligible retail spends

Up to 7% cashback on monthly online spends above ₹40,000

Welcome bonus offsets the first-year fee

10% cashback on dining, groceries and food delivery

1% cashback on UPI payments via the RuPay network

Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.

3% CashPoints on grocery, supermarket, dining, and PayZapp spends

Flat 5% cashback on eligible online purchases across e-commerce platforms

1% cashback on offline retail transactions

100% Lifetime Free credit card with zero joining and annual fees

Earn up to 5% cashback on all eligible UPI transactions

10X CashPoints on major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)

5X CashPoints on EMI purchases

High 10% cashback on PhonePe app utility, recharge & travel bookings

8 complimentary domestic airport lounge visits/year (2 per quarter, on ₹75,000 quarterly spend)

5% cashback on PhonePe bill payments, recharges, and in-app transactions

1.5% cashback on general online shopping

Customizable 5% cashback on 2 key merchants of your choice (Amazon, Flipkart, Zomato, Swiggy, Blinkit)

3% cashback on 1 dining or entertainment category of choice

Lifetime free credit card with ₹0 joining fee and ₹0 annual fee

5X reward points on spending above ₹4,000,000 milestone

Link card to BHIM, Google Pay, PhonePe, Paytm for RuPay UPI merchant QR payments

1.5% cashback on all UPI merchant transactions and online shopping

₹500 welcome gift card that offsets the year-one fee

Yatra voucher worth ₹3,000 on ₹3 Lakh annual spends

₹1,500 PhonePe gift voucher on joining fee payment, more than offsetting the fee

4 domestic lounge visits/year with no minimum spend condition

RuPay variant links directly to UPI for credit-on-UPI payments

Stars redeem 1:1 for cashback, avoiding confusing point-conversion math

10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato

₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra & Flipkart

5% cashback on food delivery, entertainment & groceries

3% cashback on fuel spends

Flat 3% Reward Points on every spend, domestic and international

Lifetime free virtual RuPay card usable for UPI and QR payments

2 Reward Points per ₹100 on online spends

1% fuel surcharge waiver, capped at ₹3,500/year

2% cashback on all online spends, capped at ₹1,000/month

Low-interest EMI conversion at 0.99%/month with zero processing fee

5% cashback on supermarket, grocery & department store purchases

5,000 Reward Points welcome bonus on joining

20% off at Myntra, up to ₹700, once a month

10% off at Zomato, up to ₹150/transaction, 5 times a month

10X Membership Rewards Points on Flipkart & Uber, 5X on Amazon

Also earns 10X points on Zomato, EaseMyTrip, Myntra, PVR, BookMyShow, Ajio, Nykaa & BlinkIt

2% flat cashback on all spends, including UPI transactions

"Slice in 3" splits eligible spends of ₹2,000+ into 3 interest-free EMIs

10% cashback on online shopping across Amazon, Flipkart, Myntra, Ajio & Nykaa

5% cashback on online travel bookings