Best Credit Card for Croma

Caps & rules

• 36 YES Rewardz points per ₹200 online, 18 per ₹200 offline, 10 per ₹200 on other selected categories.
• Points capped at 1 lakh per statement cycle.
• ₹0.25 per point on flights and hotels, about ₹0.15 on vouchers.
• ₹9,999 fee.

Caps & rules

• 5 points per ₹150.
• Up to 10X via SmartBuy (portal only, 15,000 accelerated points per month).
• Grocery, utilities and telecom capped at 2,000 points per month each; insurance 10,000.
• Max 2,00,000 points per cycle.
• Point value ₹1 on SmartBuy flights/hotels (max 70% of booking).

Caps & rules

• 5 points per ₹150.
• 2X on weekend dining at standalone restaurants.
• Up to 10X via SmartBuy (portal only).
• 10,000 bonus points on ₹4 Lakh spend per quarter.
• Point value up to ₹1 on SmartBuy.
• Diners Club isn't accepted at every merchant.

Caps & rules

• Up to 5 reward points per ₹150 on card spends, 3 per ₹150 international.
• 45 bonus points per ₹150 on hotels and 20 on flights booked in the IDFC FIRST app.
• 1 point = ₹1 on travel bookings in the app (Tripstacc), ₹0.25 otherwise.
• Complimentary 3rd night for every 2 paid.

Caps & rules

• 5 reward points per ₹150 on spends; 1 reward point = ₹1 on the Standard Chartered 360° Rewards catalogue.
• 5% cashback at duty-free stores (₹1,000, twice a year).
• 2% forex markup.
• ₹5,000 fee, with 6,000 points on paying it.
• 1% fee on rent payments.

Caps & rules

• 24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle).
• Max 36,000 points per statement cycle.
• ₹0.25 per point on flights/hotels.
• Forex markup 2% from 15 Jun 2026.

Caps & rules

• 3% cashback on online spends up to ₹10,000 in a statement cycle, higher on incremental online spends above ₹10,000 (up to 5%).
• 1% on UPI via the IDFC FIRST app.
• Extra 1% on hotels and flights booked in the app.
• Online cashback capped at ₹1,000 and total cashback at ₹1,500 per statement cycle.
• Zero forex markup.
• Credit limit is 100% of your fixed deposit.

Caps & rules

• 6 Reward Points per ₹200 on retail.
• Grocery, utilities and education capped at 1,000 points each per statement cycle; insurance 5,000.
• Points are worth ₹1 on flight and hotel vouchers, about ₹0.25 as statement credit.

Caps & rules

• No points.
• 1 PVR INOX ticket (worth up to ₹300) for every ₹10,000 of billed spend in a monthly cycle, uncapped; only worth ~3% if you use the tickets within 60 days.
• Plus 5% off PVR INOX tickets and 20% off F&B every time.

Caps & rules

• 10 Air Miles per ₹100 on flights and hotels via Kotak Unbox (accelerated miles capped at 1,00,000 a cycle), 3 per ₹100 elsewhere.
• 1 Air Mile = ₹1 on Unbox travel, ₹0.50 on vouchers; partner transfers 2:1.
• No miles on international or EMI transactions.

Caps & rules

• 3 points per ₹100, never expire.
• 1 point = ₹1 at the Apple online store, or 1:1 to airline miles/hotel points.
• Up to 12X via HSBC's Travel with Points portal.
• 0.99% forex markup.
• For HSBC Premier banking customers.

Caps & rules

• Visa variant (and UPI via the CheQ app): 24 CheQ points per ₹200 at partner brands (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn, CheQ Travel) and on bills paid in the CheQ app.
• 10 points per ₹200 on food delivery, marketplaces, apparel, electronics, grocery and travel.
• 5 points per ₹200 on other UPI via the CheQ app.
• 2 points per ₹200 elsewhere.
• Accelerated points capped at 12,000 a month (about ₹6,000).
• Min ₹200 per transaction.
• 2 points = ₹1 on flights, hotels and vouchers; 4 points = ₹1 for bill payments and cashback.
• RuPay card swipes on partners earn only 2 points per ₹200.

Caps & rules

• 5 points per ₹200 on online, offline and RuPay UPI spends = 2.5% at ₹1 per point.
• Points capped at 10,000 a month.
• 5,000 bonus points on ₹75,000 spend per quarter.
• Utilities, telecom and insurance earn 1 point per ₹100.
• 10% off ixigo flights and hotels (up to ₹3,000 a month each) and buses (up to ₹300).
• 0% forex markup on the Visa variant.
• Lifetime free.

Caps & rules

• 2% cashback on online spends, max ₹1,000 a month.
• 1% on other spends, max ₹500 a month.
• Fuel not eligible.

Caps & rules

• 3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere.
• 1 point = ₹1.
• ₹499 fee waived at ₹1 Lakh.

Caps & rules

• 2% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands, 1% on other spends (including UPI on the RuPay variant, capped at 500 NeuCoins a month).
• Extra 5% on select categories on the Tata Neu app.
• 1 NeuCoin = ₹1.
• ₹499 fee waived at ₹1 Lakh.

Caps & rules

• 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends, on up to ₹2 Lakh per month (2 per ₹100 after that).
• Online travel agencies (MakeMyTrip, Cleartrip, Goibibo) earn only 2.
• 1 EDGE Mile = ₹1, or 2 partner points (transfers capped at 1,50,000 miles a year).
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 10% Scapia Coins on card spends (2% at 5 coins = ₹1), 20% coins (4%) on flights, hotels, buses and trains booked in the Scapia app.
• RuPay card: 5% coins (1%) on UPI spends of ₹500+.
• Coins redeemable only for Scapia travel bookings (100% of booking value).
• Zero forex markup.
• Unlimited domestic lounges on ₹20,000 monthly spend.

Caps & rules

• 5 EDGE Miles per ₹100 on Travel EDGE and direct airline websites, 2 per ₹100 on other spends.
• 1 EDGE Mile = ₹1 on Travel EDGE, or transfer to airline partners (capped at 5,00,000 miles a year).
• 5,000 miles welcome bonus.
• ₹3,000 fee.

Caps & rules

• 7% reward points on every Shoppers Stop purchase and 2% on all other purchases, per HDFC.
• Points are redeemed for Shoppers Stop vouchers.
• ₹1,500 Shoppers Stop voucher as a welcome benefit.
• 16 domestic and 8 international lounge visits a year.

Caps & rules

• 4 reward points per ₹200 on all purchases, 12 per ₹200 on flight bookings and hotel stays.
• 1 point = ₹1 on RBL's catalogue (luxury, travel, jewellery); transfers to airline partners at 2:1.

Caps & rules

• 2.5 reward points per ₹100 on e-commerce, 1.5 per ₹100 on online travel and airlines, 1 per ₹100 at point of sale.
• 1 point = ₹0.75 as cash credit (IndusInd's terms cap cash credit at 25,000 points a cycle) or 1:1 to airline miles.

Caps & rules

• 15 EDGE reward points per ₹200 domestic, 30 per ₹200 international (one source says the 2X international rate applies up to your monthly credit limit).
• 1 EDGE point = ₹0.20; transfers at 5:2.

Caps & rules

• 15 EDGE reward points per ₹200 on retail and international spends.
• 1 EDGE point = ₹0.20 on the catalogue; transfers to partners at 5:4.
• For Axis Burgundy Private banking clients.

Caps & rules

• 7 Adani Reward Points per ₹100 on Adani One ecosystem spends, 2 per ₹100 international, 1.5 per ₹100 other domestic, 0.5 on utilities and insurance.
• Rewards are uncapped.
• Points are credited to the Adani One app as Adani OneApp Rewards each billing cycle.
• ₹5,000 fee waived at ₹6 Lakh annual spend.

Caps & rules

• 5% on bills and recharges paid through Google Pay (Android) and 4% on Swiggy, Zomato and Ola share one cap of ₹500 per statement.
• 1.5% elsewhere is uncapped.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 6 reward points per ₹100 on non-Titan spends, 10 per ₹100 on chemist, pharmacy, sports, dining and movies (per CardAdvisor 2026).
• 1 point = ₹0.25, redeemable only for Titan brand vouchers.
• 7.5% cashback at Titan brands (up to ₹10,000 a quarter), 5% at CaratLane and Mia, 3% voucher at Tanishq.
• ₹2,999 fee waived at ₹3 Lakh.

Caps & rules

• 10% on dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200 cashback a month; 1.5% unlimited elsewhere.
• From 26 Jul 2026 Amazon and Flipkart earn only 1.5%.
• Myntra 10% launch offer until 31 Oct 2026.
• Categories by MCC per HSBC's service guide.

Caps & rules

• Up to 22 BluChips per ₹100 on IndiGo bookings (6 from the card, up to 16 from IndiGo's tier earn); up to 3 per ₹100 on other spends; 0.5 per ₹100 on UPI, fuel, insurance, utilities, rent and wallet loads.
• Up to 25,000 milestone BluChips a year.
• FD-backed option available.

Caps & rules

• 4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below.
• 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere.
• Extra 16.7% bonus points on hotels and 10% on flights booked in the app.
• Zero forex markup.

Caps & rules

• 10X (10 points per ₹100) at partners: Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, GyFTR, Tata CLiQ.
• 5X (5 per ₹100) on other online spends, capped at 10,000 points per month.
• 1 point per ₹100 offline.
• 4 points = ₹1.
• Cleartrip/Yatra via affiliate links don't get 10X.

Caps & rules

• 5 points per ₹200 since 15 May 2026.
• 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer, capped at 5,000 bonus points per month (min ₹200 per transaction).
• Grocery and insurance points capped at 2,000 per month each.
• Max 50,000 points per cycle.
• Point value ₹0.50 on SmartBuy flights/hotels, lower as statement credit.

Caps & rules

• 12 EDGE Reward Points per ₹200 on the first ₹1.5 Lakh a month, 35 per ₹200 on spends above that (up to your credit limit + ₹1.5 Lakh).
• 5X via Travel EDGE.
• Valued at ₹0.20 per point; transferring 5 points to 2 airline/hotel miles is worth roughly double.

Caps & rules

• 10% cashback on Zomato, Myntra and Uber, capped at ₹300 per brand and ₹900 a month in total, on transactions over ₹100.
• 5 reward points per ₹100 online and 1 per ₹100 offline, redeemable at up to ₹0.20 each.
• ₹100 monthly fee, waived if you spent ₹5,000 the previous month.

Caps & rules

• 8 YES Rewardz points per ₹200 online (1%), 4 per ₹200 offline (0.5%), 2 per ₹200 on some other categories, at ₹0.25 per point on flights and hotels (vouchers can be worth less).
• Points capped at 5,000 per statement cycle.
• 3.5% forex markup.

Caps & rules

• 2 reward points per ₹100; 2X on online spends (max 1,000 reward points).
• 10,000 points at ₹1.5 Lakh and 10,000 more at ₹3.5 Lakh annual spend.
• 1 point worth ₹0.11 to ₹0.25 on RBL Rewards.

Caps & rules

• You choose one of 4 plans (points per ₹100, 1 point = ₹0.50 or 0.5 airline mile): Shop - department stores 4, electronics 2, restaurants/books 1.5; Home - grocery 4, medical 1.5, phone/electricity/insurance 1.4; Travel - hotels 4, airlines 2.5, car rental/rail 1.5; Party - restaurants 4, department stores/bars 2, movies 1.5.
• Everything else 0.5 (0.25%).
• Cash redemption capped at 2,500 points a month since Sep 2024.

Caps & rules

• 1 Membership Rewards point per ₹50.
• ₹1,000 voucher for spending ₹50,000 in a calendar month (up to ₹12,000 a year).
• The 3X Reward Multiplier portal is reported to close on 30 Sep 2026.
• Fee ₹10,000, waived at ₹10 Lakh annual spend.
• 3.5% forex markup.

Caps & rules

• 1 Membership Rewards point per ₹50.
• Milestones from 10 Sep 2026: 10,000 bonus points at ₹4 Lakh and a ₹20,000 Taj Experiences voucher at ₹7 Lakh annual spend (the ₹1.9 Lakh bonus was removed).
• Lounge access from 1 Oct 2026 needs ₹1 Lakh spend in the previous quarter.

Caps & rules

• 4 ICICI Rewards points per ₹100 on domestic and international spends, 1 per ₹100 on utilities and insurance.
• Points redeem for vouchers, travel, electronics and more.
• ₹12,000 + GST fee, waived at ₹10 Lakh annual spend.

Caps & rules

• 4 Aurum Reward Points per ₹100; 1 point = ₹0.25.
• ₹1,500 Tata CLiQ voucher on ₹1 Lakh spend in a calendar month, plus vouchers at ₹5, ₹10 and ₹20 Lakh annual spend.
• ₹99 + taxes per voucher redemption.

Caps & rules

• 4 points per ₹100 on airlines, travel aggregators (MCC 4722/4723/4111/4131) and foreign currency, capped at 50,000 points a month; 2 per ₹100 elsewhere, uncapped.
• Points convert 1:1 to airline miles/hotel points instantly; valued at ₹0.50 here.
• 10,000 bonus points on ₹12 Lakh a year.

Caps & rules

• 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% above that; 1% on offline and UPI Scan & Pay in the IDFC FIRST app.
• 1% bonus on hotels and flights booked in the app.
• Total cashback capped at ₹500 per statement cycle.
• Credit limit = 100% of your FD.

Caps & rules

• From 12 Apr 2026: 25% on Airtel mobile, broadband, WiFi and DTH via Airtel Thanks, capped at 2x the 1% base cashback you earn that cycle; 10% on other utility bills via Airtel Thanks, capped at 1x base cashback.
• 10% value back at Zomato, Blinkit and District Movies as partner wallet credit, max ₹200 per partner per month, min order ₹499 on Zomato/Blinkit.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 1 Membership Rewards point per ₹50.
• 1,000 bonus points for 4 transactions of ₹1,500+ in a calendar month, and 1,000 for spending ₹20,000 in a month.
• Points worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.

Caps & rules

• 7 IndiGo BluChips per ₹100 on IndiGo bookings, 3 per ₹100 on hotel and travel categories, 2 per ₹100 elsewhere.
• Up to 24,000 milestone BluChips a year.
• ₹4,999 fee.

Caps & rules

• 1% cashback on eligible purchases, up to ₹1,500 a billing month.
• 4% unlimited on the RBL Bank Rewards portal.
• ₹2,000 at ₹4 Lakh and ₹4,000 more at ₹6 Lakh annual spend.

Caps & rules

• 1 Membership Rewards point per ₹50 on most spends.
• 10X on Flipkart, Uber, BookMyShow and other partners, capped at 500 points a month for them together; Zomato and EaseMyTrip have a separate 500 cap.
• 5X on Amazon, capped at 250 points a month.
• Points are worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.

Caps & rules

• Myntra 7.5%, Flipkart 5% and Cleartrip 5%, each capped at ₹4,000 cashback per statement quarter.
• 4% at preferred merchants (Swiggy food delivery, Uber, PVR, Fitpass) and 1% elsewhere are uncapped.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 4 reward points per ₹200 (from 15 May 2026; per ₹150 before).
• 5X on Swiggy and Zomato online food orders, bonus capped around 2,500 points a month (some sources say 4,000).
• Up to 10X via SmartBuy, capped at 4,000 points a month.
• Points worth ₹0.50 on SmartBuy flights and hotels, ₹0.35 on the catalogue, ₹0.20 as statement credit.

Caps & rules

• 5% on Amazon.in for Prime members (3% without Prime), excluding gold coins and flight/hotel bookings via Amazon Pay.
• 2% on digital categories, when paying with Amazon Pay at partner merchants, and on physical gift cards.
• 1% elsewhere.
• All uncapped, credited as Amazon Pay balance.
• From 11 Oct 2025: no rewards on education, international spends or utility bills paid outside Amazon.

Caps & rules

• 1% cashback on eligible retail spends, capped at ₹1,000 per billing cycle, credited to your RBL savings account.
• 3% on the RBL Bank Rewards portal (flights, hotels, shopping, vouchers), uncapped.
• ₹1,500 at ₹3 Lakh and ₹3,000 more at ₹5 Lakh annual spend.
• Lifetime free for Aspire Banking customers.

Caps & rules

• 5 SCoins per ₹100 via SalarySe UPI, online checkout or in-store card use on the first ₹20,000 a month; 10 per ₹100 above ₹20,000.
• 1 SCoin per ₹100 on other UPI apps, rent, railways, insurance and education.
• Monthly rewards capped at 10% of your credit limit.
• 5 SCoins = ₹1.

Caps & rules

• 1.5 reward points per ₹100 on most spends, 5 per ₹100 at Taj, SeleQtions, Gateway and Vivanta.
• 1.5 points = ₹1 within the IHCL ecosystem.

Caps & rules

• Cashback as Monies on card spends and RuPay UPI QR payments; up to 2% advertised, about 1% typical.
• Lifetime free.

Caps & rules

• 10 EDGE reward points per ₹200 on domestic and international spends.
• 10,000 bonus points on ₹2.5 Lakh spend in a card year.
• Fee waived at ₹5 Lakh.
• 1 EDGE point = ₹0.20.
• Axis-wide from 28 Aug 2026: no rewards on tolls.

Caps & rules

• 5% on Flipkart (incl. Shopsy, Flipkart Travel), 7.5% on Myntra, 5% on Cleartrip and 4% at select merchants; each capped at ₹4,000 per quarter (counted from your first transaction).
• 1% elsewhere, uncapped.
• Cleartrip currently also has a 12% off coupon offer.

Caps & rules

• 5% on 10 brands capped at 1,000 CashPoints per calendar month.
• 1% on other spends capped at 1,000 CashPoints per month.
• 1 CashPoint = ₹1 against the statement.

Caps & rules

• 5 reward points per ₹100 on IRCTC ticketing website and Rail Connect app; accelerated points capped at 1,000 a month and 12,000 a year.
• 1 point per ₹100 on other spends.
• Extra 5% cashback on IRCTC bookings made through HDFC SmartBuy.
• Points are best redeemed against train tickets.

Caps & rules

• 3 Adani Reward Points per ₹100 on Adani One ecosystem spends, 1.5 per ₹100 international, 1 per ₹100 other domestic, 0.5 on utilities and insurance.
• Rewards are uncapped and credited to the Adani One app.
• ₹750 fee waived at ₹3 Lakh annual spend.

Caps & rules

• 3 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox (capped at 5,000 miles a cycle), 1 per ₹100 elsewhere.
• 1 Air Mile = ₹1 on Kotak Unbox travel.
• Lounge access needs ₹60,000 spend in the previous quarter.

Caps & rules

• 6% myCash on MakeMyTrip hotels; 3% on flights, holidays, cabs and buses via MakeMyTrip; 1% on other spends.
• 1 myCash = ₹1 on MakeMyTrip.
• 0.99% forex markup.
• ₹999 fee waived at ₹3 Lakh.

Caps & rules

• 1% value back as Uni Coins on every eligible card transaction, no cap; coins don't expire and can be redeemed as cashback or digital gold.
• 5% value back on vouchers bought in the Uni Store.
• Zero forex markup.
• 1% fuel surcharge waiver up to ₹500 on transactions up to ₹7,500.
• Lifetime free, issued by BOBCARD.

Caps & rules

• 1% unlimited cashback as PIXEL CashPoints (1 CashPoint = ₹1).
• 5% on HDFC SmartBuy spends, capped at 500 CashPoints a month.
• RuPay variant: 1% on UPI.
• Managed in PayZapp.

Caps & rules

• 15 Fuel Points per ₹100 at select IndianOil stations (7.5%), capped at 2,000 points a month (≈₹13,300 of fuel); plus 1% fuel surcharge waiver (₹500-₹4,000 txns, up to ₹200/month) = 8.5% total.
• 2 points per ₹100 elsewhere.
• 1 Fuel Point = ₹0.50, redeemable for IndianOil XTRA rewards.
• 1,000 bonus points on ₹75,000 per quarter.

Caps & rules

• 1 EDGE Mile per ₹100 on all spends, including rent, utilities, insurance, fuel and travel.
• EDGE Miles transfer 1:5 to airline and hotel partners.
• Invitation-only; ₹3 Lakh + GST annual fee.

Caps & rules

• 3% only on UPI QR payments made through the super.money app, capped at the cashback you earn on other spends that cycle (or ₹100 if that is lower than ₹100).
• No cashback on any spend under ₹100.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 6 Etihad Guest Miles per ₹100 on etihad.com, 2 per ₹100 on other domestic and international spends.
• Miles are redeemable only with Etihad.
• 0% forex markup.
• ₹5,000 + GST fee.

Caps & rules

• 4 reward points per ₹100; 3X (12 per ₹100) on travel and dining.
• 4 points = ₹1.
• 20,000 points welcome on ₹50,000 spend in 90 days; 10,000 at ₹5 Lakh annual spend.
• ₹4,999 joining and ₹1,999 annual fee, waived at ₹6 Lakh.

Caps & rules

• 2 reward points per ₹100 on dining, travel and international spends; 1 per ₹100 on other retail.
• 1,000 bonus points a month on ₹75,000 retail spend in a cycle.
• AU says each point is worth ₹1.
• 0.99% forex markup.
• Metal card.

Caps & rules

• 7 IndiGo BluChips per ₹100 on IndiGo, 3 per ₹100 on grocery and hotels, 2 per ₹100 on other spends.
• BluChips spend only on IndiGo.
• ₹5,000 fee.

Caps & rules

• 6 BluChips per ₹100 on IndiGo from the card (up to 21 including IndiGo's tier earn), 3 per ₹100 on dining, grocery and entertainment, 2 per ₹100 on other spends.
• BluChips spend only on IndiGo.
• ₹3,000 fee.

Caps & rules

• 10% on dining, food delivery and grocery; 1% elsewhere; total cashback capped at ₹400 a month.
• Works on UPI.
• 0% forex markup until 31 Dec 2026.

Caps & rules

• 1X = 1 reward point per ₹150.
• Up to 10X on incremental spends above ₹20,000 in a statement cycle; 30X bonus on hotel and 15X on flight bookings in the IDFC FIRST app.
• 1 point = ₹0.50 on app travel bookings, ₹0.25 elsewhere.
• 7,500 points at ₹8 Lakh and 15,000 at ₹15 Lakh annual spend.

Caps & rules

• 2 reward points per ₹100 domestic, 2.5 per ₹100 international.
• Points about ₹0.40 each.
• 5,000 points per cycle cap on some categories.
• ₹20,000 fee waived at ₹25 Lakh.
• 1.49% forex markup.

Caps & rules

• Up to 10% value back as reward points on AC1, AC2, AC3, Executive and Chair Car tickets booked on irctc.co.in or the IRCTC app.
• 1 point = ₹1 against IRCTC tickets.
• 1% railway transaction charge waiver.
• 2,500 bonus points at ₹50,000 and 5,000 at ₹1 Lakh annual travel spend.

Caps & rules

• 1X = 1 reward point per ₹150.
• Up to 10X on incremental spends above ₹20,000 in a statement cycle; 30X bonus on hotel and 15X on flight bookings in the IDFC FIRST app.
• 1 point = ₹0.40 on app travel bookings, ₹0.25 elsewhere.
• Points earned only up to your credit limit each cycle.
• 7,500 points at ₹8 Lakh annual spend.

Caps & rules

• 3 reward points per ₹100 on retail spends, 1 per ₹100 on utilities and insurance.
• Points redeem for vouchers, travel and products.
• ₹499 + GST fee, waived at ₹1.5 Lakh annual spend.

Caps & rules

• 15 reward points per ₹100 on dining, travel and international spends, capped at 5,000 points per cycle; 3 per ₹100 elsewhere.
• 1 point = ₹0.25.
• ₹2,499 fee waived at ₹2.5 Lakh annual spend.

Caps & rules

• 1 reward point per ₹100 on weekdays, 2 per ₹100 on weekends; medical, automobile and telecom always 1.
• IndusInd values a Legend point at ₹0.75 in cash.
• 4,000 bonus points on ₹6 Lakh spend in a financial year.
• Lounge access discontinued 7 Mar 2025.

Caps & rules

• 4 reward points per ₹150 on retail spends.
• Additional 4 per ₹150 on monthly retail spend above ₹20,000, max 2,000 bonus points per statement cycle.
• 4,000 points on paying the annual fee if not waived (waived at ₹1.5 Lakh).
• Point value taken as ₹0.25.

Caps & rules

• 6 EDGE Miles per ₹150 on fuel at IndianOil outlets, 1 per ₹150 elsewhere.
• EDGE Miles are worth ₹1 on Travel EDGE, or transfer to partners such as IndiGo BluChips at 2:1.

Caps & rules

• 5% as Fuel Points at IndianOil outlets (max 250 a month for the first 6 months, then 150).
• 5% on groceries and on bill payments (POS and online), max 100 Fuel Points a month in each.
• 1 Fuel Point per ₹150 on other spends, including UPI.
• 1 Fuel Point = 3 XTRAREWARDS points (₹0.96); only ₹0.20 as statement credit or catalogue.

Caps & rules

• 2 Marriott Bonvoy points per ₹150 on most spends (one source reports per ₹200 from May 2026), 4 at restaurants and outlets inside Marriott hotels, 8 at Marriott hotels.
• A Free Night Award (up to 15,000 points) on joining and each renewal, plus more at ₹6, ₹9 and ₹15 Lakh annual spend.
• Points are worth more on high-value hotel stays.

Caps & rules

• 8 Reward Points per ₹150 on special categories (travel agencies, airlines, electronics, durable goods, department stores); 4 per ₹150 elsewhere until ₹2 Lakh annual spend, then 8 everywhere.
• ₹0.10 per point for vouchers/recharges; ₹0.07 to ₹0.10 as cash value (min 2,000 points).
• 5,000 points on joining.

Caps & rules

• 6 Kiwis per ₹100 on UPI scan and pay (1.5%) and 2 Kiwis per ₹100 on online spends (0.5%), for cards issued since 4 Jul 2024.
• 1 Kiwi = ₹0.25, redeemed to your bank account in multiples of 500.
• Monthly Kiwis capped at 1% of your credit limit.
• RuPay card issued by YES Bank, used through the Kiwi app.
• Lifetime free.

Caps & rules

• 1X = 1 reward point per ₹150; 1 point = ₹0.25.
• 3X on spends up to ₹20,000 a statement cycle; 10X on incremental spends above ₹20,000 and on your birthday.
• 3X on education, wallet loads, government, rent and property.
• Points never expire; earned only up to your credit limit each cycle.
• Bonus points on travel booked in the IDFC FIRST app.
• Zero forex markup.

Caps & rules

• 2 Reward Points per ₹100 on domestic spends, 4 per ₹100 international, 1 per ₹100 on utilities and insurance.
• Milestones: 4,000 points at ₹4 Lakh plus 2,000 per extra ₹1 Lakh (max 20,000 a year).
• Valued at ₹0.25 per point.

Caps & rules

• 2 reward points per ₹100; 20 per ₹100 on international purchases and weekend dining, max 2,000 points a month each.
• Milestones: 10,000 at ₹3 Lakh, 15,000 at ₹5 Lakh, 20,000 at ₹8 Lakh.

Caps & rules

• 4 Travel Credits per ₹200 on travel, 2 per ₹200 on other spends.
• Travel Credits are worth ₹0.50 on travel bookings, ₹0.25 on the catalogue, or convert 1:1 to airline and hotel partners.
• 10,000 bonus credits at ₹8 Lakh annual spend; fee waived at ₹10 Lakh.

Caps & rules

• 4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
• 1 point = ₹0.25.
• FD-backed, lifetime free, zero forex.

Caps & rules

• 10 reward points per ₹100 at participating Reliance Retail stores (not UPI); 20 per ₹100 on AJIO and JioMart online (per CardAdvisor).
• 5 per ₹100 on dining, movies, domestic airlines and international.
• 2 per ₹100 elsewhere.
• 1 point = ₹0.25 in Reliance Retail vouchers.
• Milestone vouchers at ₹1.5 and ₹3 Lakh.

Caps & rules

• 10 reward points per ₹100 at Apollo 24|7 and Apollo Pharmacy; 2 per ₹100 on dining, movies and entertainment, and travel; 1 per ₹200 on other spends.
• Capped at 5,000 points per statement cycle (applied separately to two categories).
• 1 point = 1 Apollo Health Credit = ₹1, usable only with Apollo.
• Apollo accrual depends on Apollo's merchant list.

Caps & rules

• 2 reward points per ₹100 on domestic spends (except fuel), 4 per ₹100 on international spends, 1 per ₹100 on utilities and insurance.
• Points worth about ₹0.25.

Caps & rules

• 5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel.
• The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%.
• 0.5% elsewhere, uncapped.
• UPI spends on the RuPay variant earn only 0.5%.
• Redeem on Kotak Unbox; cashback expires after 1 year.

Caps & rules

• 2 reward points per ₹100; 10 per ₹100 on dining, entertainment, grocery and international, max 1,000 a month.
• 10,000 points each at ₹2, ₹3.5 and ₹5 Lakh annual spend.
• ₹2,500 fee.
• ₹99 + GST per redemption.

Caps & rules

• 10 reward points per ₹100 on chemist, pharmacy, sports, dining and movies; 2 per ₹100 on other spends.
• 4 points = ₹1.

Caps & rules

• 5% cashback on grocery, supermarket and department store spends, max ₹150 per transaction and ₹500 a month.
• 3 reward points per ₹150 on other spends.
• 5,000 reward points on paying the joining fee.

Caps & rules

• 5 reward points per ₹200 on IRCTC train bookings (capped at 1,000 points a month), 2 per ₹200 on IRCTC flights, hotels and cruises, 1 per ₹200 elsewhere.
• 1 point = ₹1 when redeemed on IRCTC via Point+Pay.

Caps & rules

• 3 IndiGo BluChips per ₹100 on IndiGo bookings, 2 per ₹100 on travel categories, 1 per ₹100 elsewhere.
• 2,500 BluChips welcome, up to 7,500 in milestones.
• BluChips are IndiGo's dynamically priced currency, worth roughly ₹0.50 to ₹1.

Caps & rules

• 24 reward points per ₹150 at IndianOil outlets, capped at 1,200 points per statement cycle.
• 12 per ₹150 on groceries (select MCCs) and dining, capped at 800 points per cycle.
• Points worth about ₹0.25 on the Kotak rewards portal.
• ₹449 fee waived at ₹50,000 annual spend.

Caps & rules

• 10 points per ₹100 on dining, departmental stores, movies and grocery; 20 points per ₹100 on utility bills paid by standing instruction on the SBI Card app (first 3,000 points); 20 per ₹100 around your birthday (2,000 points a year).
• 2 per ₹100 elsewhere.
• 4 points = ₹1.

Caps & rules

• 2.5% cashback on HPCL fuel (min ₹500 per transaction), capped at ₹100 a month, plus a 1% fuel surcharge waiver.
• 2 points per ₹100 on retail purchases, 1 per ₹100 on utilities and insurance.
• Points worth about ₹0.25.

Caps & rules

• 2 Reward Points per ₹100 on retail, 1 per ₹100 on utilities and insurance.
• Milestones: 2,000 points at ₹2 Lakh annual spend plus 1,000 per extra ₹1 Lakh (max 10,000 a year).
• Valued at ₹0.25 per point (typical ICICI redemption).

Caps & rules

• 4% cashback on HPCL fuel, capped at ₹200 a month, plus 1% surcharge waiver.
• 20 reward points per ₹100 (5%) on groceries, department stores and utilities, capped at 400 points a month in total.
• About 0.5% on other spends.
• ₹500 fee waived at ₹1.5 Lakh annual spend.

Caps & rules

• 30 points per ₹150 (5%) on HPCL fuel, grocery, utilities and IDFC FASTag; 3 per ₹150 (0.5%) on other retail.
• Extra 6 HP Happy Coins per ₹100 via HP Pay app.

Caps & rules

• 5 points per ₹100 on travel (airlines, hotels, transportation), 2 per ₹100 on other domestic spends.
• No points on international non-travel spends (0% forex markup instead).
• Milestones: 10,000 and 15,000 bonus points.
• Point value assumed ₹0.25 (RBL rewards); not stated in T&C.

Caps & rules

• 2 Reward Points per ₹100 on retail, 1 per ₹100 on utilities and insurance.
• Lifetime free.
• Valued at ₹0.25 per point.

Caps & rules

• 5X (10 points per ₹100) on dining, departmental stores and grocery; 2 points per ₹100 on everything else except fuel.
• 4 points = ₹1.
• Milestones: 10,000 bonus points at ₹3L and ₹4L annual spend, 15,000 at ₹5L and ₹8L.
• SBI's product page doesn't state a current monthly cap on 5X points.

Caps & rules

• 10 reward points per ₹100 at standalone airline and hotel websites, apps and outlets; 2 per ₹100 on other retail spends.
• 1 point = ₹0.25.
• 20% off hotels and 10% off flights on EaseMyTrip with code EMTSCB.
• ₹350 fee waived at ₹50,000 annual spend.

Caps & rules

• 2 Stars per ₹500 spent cumulatively (if you spent ₹100+ the previous cycle), 1 per ₹500 otherwise.
• Up to 4X on reaching ₹15,000 in a month and up to 8X at ₹30,000.
• Capped at 18,000 Stars a year.
• 1 Star = ₹1, redeemed as instant cashback on Google Pay UPI payments or vouchers.
• ₹499 fee waived at ₹1 Lakh annual spend.

Caps & rules

• 4 EDGE Reward Points per ₹200.
• Main value is offers, not points: flat ₹120 off on Swiggy food delivery, buy-one-get-one on District movie tickets, 7% off flights and 18% off hotels on Cleartrip once a month each.
• From 1 Apr 2026: 1,000 bonus points on ₹1.5 Lakh annual spend (Sony LIV renewal benefit ended).
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• Rate rises with annual spend: first ₹1 Lakh 1 point per ₹100 (0.4%), next ₹1.5 Lakh 2 (0.8%), next ₹2.5 Lakh 4 (1.6%), above ₹5 Lakh 6 (2.4%).
• 1 point = ₹0.40 cash credit or 4 points = 1 KrisFlyer mile.
• Cash redemption capped at 5,000 points a month.
• 1.5% forex markup.

Caps & rules

• 1 point per ₹200 = 1X, 1 point = ₹0.25.
• 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
• Same reward structure as Millennia.

Caps & rules

• 1 point per ₹200 = 1X, 1 point = ₹0.25.
• 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
• Lifetime free.
• Points valid 24 months.

Caps & rules

• 1X = 1 reward point per ₹200; 1 point = ₹0.25.
• 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories.
• Points earned only on spends up to your credit limit each cycle; valid 24 months.
• 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app.
• ₹99 + GST per redemption.
• Lifetime free.

Caps & rules

• 1 point per ₹200 = 1X, 1 point = ₹0.25.
• 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
• Plus 20% bonus points every month on flights and hotels booked in the IDFC FIRST app.
• Zero forex markup since 18 Sep 2026.

Caps & rules

• 2 reward points per ₹150, convertible to airline miles and hotel points in the HSBC app or cashed out at about ₹0.25.
• RuPay card, so it can be used on UPI.

Caps & rules

• 2 reward points per ₹150.
• 5X on annual spend above ₹4 Lakh.
• Points can be cashed out at about ₹0.25 or transferred to airline and hotel partners.

Caps & rules

• 2 EDGE points per ₹125 on most spends; 20 per ₹125 at apparel and department stores, with the extra 18 capped at 1,008 points a statement month (about ₹7,000 of spend).
• 1 EDGE point = ₹0.20.
• Only merchants registered under apparel or department store codes qualify.

Caps & rules

• 3 Reward Points per ₹100 on UPI and card spends.
• 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value.
• That works out to 0.3% back.

Caps & rules

• 20 points per ₹100 on grocery (5%), capped at 1,000 points per calendar month (≈₹5,000 of grocery), then 1 per ₹100.
• 1 point per ₹100 elsewhere.
• 10% off BookMyShow movie tickets (max ₹100).
• 1 point = ₹0.25.

Caps & rules

• 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month.
• Applies to UPI and card spends.
• 1 CashPoint = ₹0.25 against the statement (min ₹500).

Caps & rules

• 5 reward points per ₹100 on medical supplies, travel bookings and international spends (and all spends on 1 July, Doctors' Day), capped at 7,500 points a month for medical and travel together, and separately for international.
• 1 point per ₹100 elsewhere.
• 4 points = ₹1.

Caps & rules

• 10X (20 CashPoints per ₹200) on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, capped at 2,500 CashPoints per month (about ₹25,000 of spend).
• Max 15,000 points per statement cycle.
• 1 CashPoint = up to ₹0.25 against the statement.

Caps & rules

• 2 Travel Credits per ₹200 on travel, 1 per ₹200 on other spends.
• 1 Travel Credit = ₹1 when converted to airline or hotel partners, ₹0.50 on travel bookings, ₹0.25 on the catalogue.
• 5,000 bonus credits at ₹5 Lakh annual spend.

Caps & rules

• 10 reward points per ₹100 on AJIO and JioMart online, 5 per ₹100 at other Reliance Retail stores (not UPI), 5 per ₹100 on dining and movies, 1 per ₹100 elsewhere.
• 1 point = ₹0.25 in Reliance Retail vouchers.

Caps & rules

• Base 1 Reward Point per ₹100 (max 10,000 per cycle).
• Paid 90-day features add 5X/10X on online or offline spends (up to 2.5% at ₹0.25/point), 5% cashback on grocery or apparel (max ₹500 per 30 days), milestone cashback, lounge visits.
• Feature prices change; check the AU 0101 app.
• Point value assumed ₹0.25.

Caps & rules

• 25 reward points per ₹100 on BPCL fuel, lubricants and Bharat Gas, capped at 2,500 points per billing cycle.
• 10 points per ₹100 on dining, groceries, departmental stores and movies, capped at 7,500 a month.
• 1 point per ₹100 elsewhere.
• 4 points = ₹1 (₹0.25), also redeemable for BPCL fuel.

Caps & rules

• 2 Reward Points per ₹100 online, 1 per ₹100 offline.
• Valued at ₹0.10 per point (Kotak's rate for recharge/shopping redemptions).
• 500 bonus points on ₹3,000 spend in 30 days; 3 PVR tickets on ₹75,000 annual spend.

Caps & rules

• 1 reward point per ₹50; 5X on your top 2 spend categories in a month (needs spend across 3+ categories, with a monthly cap).
• Points valued at about ₹0.25.
• Lifetime free metal card.

Caps & rules

• 2 reward points per ₹100 on LIC premiums and international spends, 1 per ₹100 elsewhere.
• Points worth about ₹0.20 on the catalogue (min 1,000 to redeem, ₹30 fee).

Caps & rules

• 5% cashback on fuel at all stations (transactions up to ₹2,000), max ₹100 per transaction and ₹200 per statement cycle.
• 5% on telephone bills over ₹750, max ₹100 per transaction and ₹200 per cycle.
• 5% on utility bills over ₹750, max ₹100 per cycle.
• 1 reward point per ₹150 on other spends.
• ₹750 fee.

Caps & rules

• 5 reward points per ₹150 at fine-dining outlets and on fuel, 1 per ₹150 elsewhere, with no monthly cap.
• Points redeem for vouchers and products on Standard Chartered 360° Rewards.

Caps & rules

• 10 reward points per ₹150 on dining, movies, departmental stores and grocery, capped at 5,000 points a month; 1 per ₹150 elsewhere.
• 4 points = ₹1.

Caps & rules

• 1 EDGE Reward Point per ₹200.
• Value comes from offers: flat ₹120 off on Zomato, 10% off Blinkit (up to ₹250, min ₹750, once a month, code AXISNEO), 5% off Paytm recharges/bills, Cleartrip flight/hotel discounts.
• The 10% BookMyShow offer ended 31 Mar 2026.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Caps & rules

• 1 CashPoint per ₹200 on most spends (reported from 15 May 2026; per ₹150 before).
• 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber (non-EMI), capped at 2,500 CashPoints a calendar month.
• Max 15,000 CashPoints per statement cycle.
• 1 CashPoint = ₹0.15 as cashback.

Caps & rules

• 10% reward points on select PhonePe categories (recharges, bills, travel), capped at 1,000 points a month.
• 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month.
• 1% on UPI Scan & Pay.
• Points worth ₹1 as statement credit on request, less on the catalogue.
• ₹999 fee waived at ₹2 Lakh annual spend.

Caps & rules

• 2% reward points on select PhonePe categories (recharges, utilities, bills, travel), 1% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, 1% on UPI Scan & Pay; each capped at 500 points a calendar month (up to 1,500 a month).
• Points worth ₹1 as statement credit on request, ₹0.30 on catalogue, flights and hotels.
• Points expire after 1 year.