Department Store Offers Credit Cards in India 2026

7% reward on all Shoppers Stop purchases up to ₹28570 per month

• Earn 7 reward points worth ₹7, on every ₹100 you spend in this category.
• This is valid only on spends up to ₹28570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
• 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

2% reward on all other card purchases

• You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.
• This is valid on card spends up to ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.
• 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers..
• Exceptions: No reward points are given on fuel, wallet loads, rent, utilities, jewellery/gold coins, EMI transactions, account fees and payment.

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 2 times per quarter 

Complimentary insurance covers

• Accidental air death cover of ₹3 crores.
• Emergency overseas hospitalisation cover up to ₹50 lakhs.
• Credit liability cover up to ₹9 lakhs

Fuel surcharge waiver (up to ₹500 per month)

3.3% cashback at select partners (Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy), on total purchases up to ₹18750 per month

• Earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners (non EMI spends).
• This benefit is applicable only on total purchases up to ₹18,750 per month (since you can earn a maximum of 2500 bonus cash points per month)
• 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends

• Earn 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
• 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance
• Exceptions: No cashback is given on fuel purchases, rent payments, government-related transactions, EMI transactions, wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

Up to 1% additional reward at ₹50,000 quarterly card spend (milestone benefit): Earn gift vouchers worth ₹500, at ₹50,000 quarterly card spend = 1% reward

Up to 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 5% cashback on travel spends : flight bookings || hotel bookings || bus tickets, through RedBus || MakeMyTrip holiday packages
• 5% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• 5% cashback at select partners : Myntra || Apple Imagine Tresor || Nykaa || Zoom Car
• 10% cashback at select partners : Pharmeasy || IGP || Jockey

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

5% reward on dining spends || 2.50% reward on grocery & departmental store purchases, and international spends || 1.25% reward on all other card spends

• 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants (maximum 5000 reward points per month at this earning rate, meaning this benefit is applicable on dining spends upto ₹25000 per month)
• 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
• 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more. On vouchers,1 reward point = ₹0.20 (20 paise).

Exceptions

• On insurance, utility and telecom spends, you get 0.25% benefit (1 reward point on every ₹100 spent). Maximum 100 reward points per transaction on utility & telecom spends.
• No reward points are given on the following card spends – fuel, rent, education, government, cash withdrawals, EMI transactions, Bharat Bill Payment System.

Quarterly and yearly milestone benefits

• ₹1000 vouchers at quarterly card spend of ₹2 lakh - 0.50% reward
• Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to domestic airport lounges – 8 times per year (maximum 2 times per quarter). Cardholders need to spend a minimum of ₹20,000 in a calendar quarter to become eligible for this benefit.

Complimentary access to international airport lounge access – 8 times per year (maximum 2 times per quarter) 

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625: 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits

• Air accident cover up to ₹2 crore
• Card liability cover up to your card limit
• Credit shield up to ₹15 lakhs
• Purchase protection up to ₹50,000
• Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver up to ₹1000 per month

2.50% cashback on departmental store, grocery purchases, movie & dining spends

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback
• Monthly limit: 7500 reward points, reached at ₹7500 monthly spending 

0.50% cashback on all other credit card spends 

• Earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
• Exceptions: No reward points are given on the following card spends - fuel, rent, government transactions.

Up to 2.2% additional reward through milestone benefits

• Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend - 2% benefit
• Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend - 1.4% benefit
• Hence you could earn vouchers worth ₹11000 if you achieve all the above quarterly spend targets, as well as the annual card spend target of ₹5 lakhs - 2.2% benefit

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary credit card fraud liability cover of ₹1 lakh: This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

7.50% cashback on Myntra. Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

5% cashback on Cleartrip. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% unlimited cashback on Swiggy, Uber, PVR, Cult Fit

1% cashback on all other card spends 

Important exclusions (no cashback categories):

• Utility & telecom bills
• Education & rent payments
• Wallet loads & government services
• Insurance & gold/jewelry
• Fuel purchases & financial institutions
• Cash advances & loan repayments

EazyDiner restaurants: 15% discount, up to ₹500 per month

• 15% discount, (up to ₹500) at restaurants through EazyDiner
• Minimum order required to avail offer is ₹2500
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹4000

10% cashback on Samsung purchases 

• Cashback limits: ₹5000 per month, ₹20,000 per year
• Valid on online and offline purchases at specified stores 

3% reward on Bigbasket, Myntra, Zomato, Tata 1mg, Urban Company

• 15 reward points worth ₹3, on every ₹100 spent
• 1 EDGE reward point = ₹0.20, and can be redeemed on Axis EDGE rewards platform 

3% reward on international spends 

1% reward on other card purchases  

Domestic airport lounge access: 8 times per year, requires minimum spend of ₹50,000 in the previous quarter

International airport lounge access: 6 times per year

15% discount at EazyDiner restaurants

• 15% discount, up to ₹500
• Minimum transaction value of ₹2500 required
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver, up to ₹500 per month

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

• NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
• Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

• 1.5 NeuCoins worth ₹1.50, per ₹100 
• Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

• Reward points earned as NeuCoins
• NeuCoins can be redeemed offline and online at partner Tata brands
• Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

• Fuel purchases & rental transactions
• Government-related payments & wallet loads
• Gift card, prepaid card & voucher purchases
• Education payments through third-party apps 
• Online gaming & betting transactions
• Cash advances & cash withdrawals
• Credit card bill payments, card fees & charges

Participating Tata brands include: 

• Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
• Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
• Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

• International: 1 complimentary visit per quarter. 
• Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

• Accidental air death cover: ₹1 crore. 
• Emergency overseas hospitalization: Up to ₹15 lakh. 
• Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

• 6% Cashback on Hotels
• 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
• 1.5% Cashback on Gift Vouchers 
• Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
• Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
• NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

3% reward on Shoppers Stop purchases up to ₹16,666 per month

• 3 reward points worth ₹3, on every ₹100 spent
• Monthly limit: 500 reward points, reached at ₹16,666 monthly spend 
• 1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers

1% reward on other card purchases up to ₹1 lakh per month

• 1 reward points worth ₹1, on every ₹100 spent
• Monthly limit: 1000 reward points, reached at ₹1 lakh monthly spend 
• Important exclusions: No reward points on fuel, wallet loads, rent, & utilities, jewellery/gold coins, EMI transactions, account fees and payment.

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

3% reward on following Paytm spends - travel tickets (flights, train & bus) || shopping at Paytm Mall || movie tickets

• Earn 3 reward points worth ₹3, on every ₹100 you spend in these categories
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

2% reward on all other Paytm spends 

• Earn 2 reward points worth ₹2, on every ₹100 you spend on all other Paytm transaction
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.
• Exception: No reward points are given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

✅ Lifetime Free Offer till 31st Dec, 2025

Low annual card spend requirement of  ₹35000, to get annual fee waived off. Hence the card is virtually free from 2nd year onwards, if you spend ₹35000 or more in the previous year

1% cashback on department store purchases and movie spends - on total spends up to ₹20,000 per month

• 5 reward points worth ₹1, on every ₹100 you spend in these categories
• This is valid only on combined total purchases up to ₹20,000 per month, across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card statement cycle.
• Reward points redemption: 1 reward point = ₹0.20, and can be redeemed as cashback.

0.20% cashback on all card other spends 

• 1 reward points worth ₹0.20 or 20 paise, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹0.20, and can be redeemed as cashback.
• Exceptions : You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

1.66% reward (10X) on the following card spends - departmental stores || groceries || dining || movies 

• Earn 6.6 reward points worth ₹1.6, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

0.16% reward (X) on all other card purchases 

• Earn 0.6 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

Fuel surcharge waiver up to ₹100 per month, valid only on fuel purchases between ₹500 and ₹3000

5% cashback (up to ₹500 per month) on any 2 of the below categories-

• Dining & entertainment category – BookMyShow & Zomato
• Travel category – MakeMyTrip & Uber
• Grocery category – Blinkit & Reliance Smart Bazaar
• Electronics category – Croma & Reliance Digital
• Fashion category – Nykaa & Myntra

- You get 5 PIXEL CashPoints, on every ₹100 you spend on your card in the 2 categories of your choice. 1 PIXEL CashPoint = ₹1

- Cashback is given in the form of PIXEL CashPoints in HDFC PayZapp wallet, and can be used to purchase brand vouchers inside the HDFC Payzapp app

3% cashback  (up to ₹500 per month) on any one of the following e-commerce merchants : Amazon or Flipkart or PayZapp

• Earn 3 PIXEL CashPoints, on every ₹100 you spend on the merchant you choose. 
• 1 PIXEL CashPoint = ₹1

1% cashback on all other card spends

• You get 1 PIXEL CashPoints, on every ₹100 you spend on all other card spends. 1 PIXEL CashPoint = ₹1
• Exceptions : No reward points are given on the following spends - fuel, EMI, rent, e-wallet loads, government related transactions.

5% cashback (up to ₹500 per month) through HDFC Smartbuy platform on the following merchants and categories-

• IGP
• Flights
• Hotels
• Bus
• Rail
• Instant Vouchers
• Apple Imagine Tresor

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000 

4.50% reward on online spend, 2.25% on offline 

• Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
• Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

• Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
• Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
• Reduced categories (1.25%): Utilities, insurance, education, media & streaming
• No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

• 6 visits per quarter (for both primary and add-on cardholders)
• Requires ₹1 lakh spend in the previous quarter.

4 free golf rounds per year (maximum 1 per month) , and 1 free golf lesson per month

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

• Lost card liability: ₹15 lakh fraud protection
• Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
• Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)

American Express Credit Cards has paused issuing new credit cards until further notice.

Up to ≈ 6% reward on card spending at ₹20,000 monthly card spend, AND minimum 4 card transactions of ₹1500 each

• Base reward: 2 reward points worth ≈ ₹1, on every ₹100 spent = 1% reward
• Monthly milestone reward: 1000 reward points worth ≈ ₹500, at ₹20,000 monthly card spend = 2.5% reward
• Bonus reward points: 1000 reward points worth ≈ ₹500, if you do a minimum of 4 card transactions of ₹1500 each in a month = 2.5% reward
• We have assumed 1 reward point = ₹0.50, it can vary between ₹0.25 to ₹0.58 depending on the redemption you choose, read our review for details
• Important exclusions: No reward points are given on the following card spends - fuel, insurance, cash transactions, utility spends as well as on EMI conversion at Point of Sale.

Fuel surcharge waiver on fuel transactions up to ₹5000

Amex benefits & offers 

• Enjoy up to 20% dining discounts or complimentary privileges at select restaurants like Mariott, Olive, Bee Cafe, the Lalit, etc
• Enjoy special discounts, cashbacks, and bonus points on traveling, shopping and dining with this card
• 24/7 concierge services for customer care service and Emergency Card Replacement
• Zero lost card liability
• Contactless payments

Up to 7% reward on Tata Neu App, on partner Tata Brands

• 2% reward on partner Tata brands on Tata Neu app || 2% reward on bill payments through Tata Neu : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend. This is valid only on non-EMI spends on Tata Neu.
• Additional 5% reward on select Tata brands on Tata Neu app, as a Tata Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

Some of the Tata brands on Tata Neu-

• Shopping : BigBasket (grocery), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear & jewellery)
• Flights : Air India, Air India Express
• Hotels : Taj, Ginger, Vivanta, Seleqtions, Ama
  
• Others : Tata Play (entertainment), Cult Fit (fitness), Tata 1 mg (healthcare), Q Min (food delivery)

1% reward on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% reward on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 4% cashback on hotel spends : hotel bookings via MakeMyTrip || hotel bookings via Cleartrip
• 1% cashback on other travel spends : flight bookings (via Cleartrip, EaseMyTrip & Goibibo) || IRCTC train tickets || bus tickets, through RedBus
• 1% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• Upto 4% cashback at select partners : Flipkart – 1% cashback || Apple - 1% cashback || IGP.com, ZoomCar, Pharmeasy, Jockey, Nykaa, Myntra, MMT Holiday Packages – 4% cashback
• Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. You can redeem NeuCoins at various Tata brands, both online and at stores/ hotels (offline)

Complimentary visits to airport lounges in India – 1 time per quarter

• Starting June 10, 2025, cardholders will only be able to access domestic airport lounges if they spend ₹50,000 or more in a calendar quarter

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

Lifetime free credit card

You need to choose any one out of the 4 rewards plans given below:

1. Shop Plan: 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan: 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan: 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan: 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% cashback on movie tickets || 0.20% cashback on all other card spends

Reward points redemption

• 1 reward point = ₹0.40 as cashback
• You can also convert reward points to Singapore Airlines Krysflyer Miles. 1 reward point = 0.25 Krysflyer Miles.  Maximum 10,000 Reward Points can be redeemed against KrisFlyer Miles in a calendar month.
• You can also convert reward points on IndusInd Moments, Indusind's rewards redemption platform. The value of reward points would depend on the redemption option you choose. 1 reward point can be valued up to ₹1, on select redemption options.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000 

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Travel related insurance (Travel Plus Program), applicable on international travel

• Air accident cover of ₹25 Lakh
• Lost baggage up to ₹1 lakh
• Delayed baggage up to ₹25,000
• Loss of passport up to ₹50,000
• Lost ticket up to ₹25,000
• Missed connection up to ₹25,000

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4000

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

Up to 7.9% reward at participating Reliance Retail Stores

• 5% reward on AJIO & JioMart Online Stores, 2.50% reward on other Reliance stores 
• Up to 2.9% additional reward based on annual card spends at  Reliance stores

1.25% benefit on dining, movies & entertainment, domestic airlines, international spends

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends

• You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions: No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, up to ₹3000 per year : You get 1 complimentary movie ticket each month, up to ₹250.

▶︎ 10% cashback on Swiggy apps: 

• Food delivery orders 
• Instamart grocery shopping   
• Dineout restaurant bookings 
• Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

• Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
• Department stores, apparel, and home decor
• Electronics
• Local cabs
• Entertainment
• Pharmacies & personal care
• Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

• Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
• Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

• All new customers get a 3 month Swiggy One membership
• Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

• 4 free golf rounds per year (maximum 1 per month) 
• 1 free golf lesson per month
  

3.20% reward on department store & apparel shopping (10X) 

• 16 EDGE points per ₹100 (₹3.20 value)
• Monthly limit: Applicable only on first ₹7,000 spend in category

0.32% basic reward on other card spends: 1.6 EDGE points per ₹100 (₹0.32 value)

Up to 1% monthly milestone bonus: 1,500 EDGE points (₹300 value), at ₹30,000 monthly spend - 1% reward

Value of reward points (EDGE points)

• Value: 1 EDGE point = ₹0.20
• Redemption: Axis Bank rewards platform

Domestic airport lounge access: 2 visits per quarter (requires ₹50,000 spend in previous 3 months)

Dining offers

• Swiggy: ₹150 discount on minimum orders of ₹500, valid 2 times a month
• EazyDiner Restaurants: 15% discount (up to 500) on minimum orders of ₹2500, valid once a month

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹5000

Insurance Coverage

• Purchase protection: ₹1 lakh coverage
• Travel protection: USD 800 total (baggage loss USD 500, document loss/baggage delay USD 300)
• Credit shield: ₹1 lakh coverage

Partner Benefits

• Axis Grab Deals: Choice of cashback (₹1,000 monthly) OR reward multiplier (5,000 points monthly)
• Gift voucher discounts with brand-specific purchase limits

7.25% Reward on BPCL Fuel 

• 6.25% rewards: 25 points worth ₹6.25, per ₹100 spent. Monthly limit: 2500 reward points worth ₹625, reached at ₹10,000 monthly spend.
• 1% fuel surcharge waiver: Valid on fuel transactions up to ₹4,000. Monthly limit: - ₹100, reached at ₹10,000 monthly spend 
• Includes: BPCL lubricants and Bharat Gas (500 points monthly limit on Bharat Gas)

2.5% rewards on shopping & entertainment 

• Categories: Groceries, department stores, movies, dining
• Earning rate: 10 points worth ₹2.50, per ₹100 spent
• Monthly limit: 7,500 reward points across all categories combined, reached at ₹75,000 monthly spend 

0.25% rewards on other purchases

• Earning rate: 1 point per ₹100 (₹0.25 value)
• Coverage: Includes UPI spending on RuPay variants
• Important exclusions: Wallet loads, rent payments, non-BPCL fuel purchases

Value of reward points & redemption

• Value: 1 point = ₹0.25
• Method: BPCL voucher purchases via SBI Card rewards platform, instant redemption of points at select BPCL outlets

Upto 0.6% Annual Milestone Reward (At ₹3 lakh spend)

• Gift vouchers: ₹2,000 value (0.66% additional reward)
• Options: Aditya Birla Fashion, Yatra, Bata/Hush Puppies

Domestic airport lounge access: 4 visits annually (maximum 1 per quarter) 

Fraud protection: ₹1 lakh liability cover for card misuse

6.50% reward on HPCL fuel 

• 4% cashback, on purchases up to ₹5000 per month
• 1.50% through HP Pay App, on purchases up to ₹5000 per month
• 1% fuel surcharge waiver at HPCL stations, on fuel transactions between ₹400 and ₹4000 

5% reward at departmental stores & utilities (electricity/ mobile bills)  

• 20 reward points worth ₹5, per ₹100 spent
• Monthly limit: 400 reward points worth ₹100, reached at ₹2000 monthly spend 

0.50% reward on other card purchases 

• 2 reward points worth ₹0.50, per ₹100 spent
• Important exclusions: No rewards on non-HPCL fuel spends, rent, e-wallets, EMIs, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, fees, interest and other charges.

Domestic airport lounge access: 1 visit per quarter (requires ₹75000 spending in the previous quarter)

25% discount on movie tickets

• BookMyShow: 25% discount (up to ₹100), 2 times per month
• Inox: 25% discount (up to ₹100), 2 times per month
  

24/7 Automobile Assistance: Phone support, on-site repair, key assistance, tire support, battery services, fuel delivery

2% reward on shopping purchases 

• 10 EDGE reward points worth ₹2, per ₹100 spent
• Month spending limit - ₹20,000 per month

1% reward on other card spends

• 5 EDGE reward points worth ₹1, per ₹100 spent
• Important exclusions: No reward points on fuel, rent, wallet load, gold/jewellery, EMI, cash advances, education, insurance, utilities, payment of outstanding balances, card fees and other charges.

Milestone benefits at ₹3 lakh annual card spend: 5000 EDGE points worth ₹1000, at ₹3 lakh annual card spend (rent and wallet spends are not included)

Value of reward points (EDGE points)

• Value: 1 EDGE point = ₹0.20
• Redemption: Axis Bank rewards platform

Airport lounge access

• International access through Priority Pass: Up to 12 visits per year - 6 unconditional visits, additional 6 visits at ₹3 lakh annual spending
• Domestic: 8 visits per year, maximum 2 times per quarter (requires ₹50,000 spending in the previous quarter)

Grocery & Dining offers

• BigBasket: ₹500 discount once a month, on a minimum order of ₹2500
• Swiggy: ₹200 discount twice a month, on a minimum order of ₹1000
• EazyDiner restaurants: 15% discount (up to ₹500), once a month; minimum transaction of ₹2500 required

Movies & golf

• 2 free movie tickets per month (up to ₹250 each), through District app
• Up to 12 free golf rounds per year: 6 unconditional, additional 6 rounds at ₹3 lakh yearly card spend

Fuel surcharge waiver up to ₹400 per month, valid only on fuel transactions between ₹400 and ₹4000

Up to 5.3% reward at participating Reliance Retail Stores

• 2.50% reward on AJIO & JioMart Online Stores, 1.25% reward on other Reliance stores 
• Up to 2.8% additional reward based on annual card spends at  Reliance stores 

Participating Reliance Stores include-

• Fashion : Ajio, Trends, Trends Footwear, Trends Man, Trends Woman, Trends Junior, Centro, Zivame, Centro Footwear
• Grocery : Smart Bazaar, Smart Point, Smart, Metro, Bismi Hypermart, Milkbasket, Freshpik
• Consumer electronics : Reliance Digital, JioMart Digital, MyJio stores, Jio Point, Bismi Connect
• Consumer marketplace : JioMart
• Home and living : Urban Ladder, Portico
• Pharma : Netmeds Pharmacy, NetMeds.com

1.25% benefit on the following spend categories –  dining || movies 

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.25% benefit on all other card spends

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Special discounts up to 5%, at participating Reliance Retail Stores

Fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹4000

Lifetime free BOB credit card, exclusively for Indian Defence Personnel

• No annual fee, the card is lifetime free.
• Welcome offer: Complimentary 3 month Jio Hotstar subscription

1.25% cashback on department store purchases and movie spends

• 5 reward points worth ₹1.25, on every ₹100 spent
• Monthly rewards limit: 1000 reward points worth ₹250 as cashback, reached at ₹20,000 monthly spend 
• Reward points redemption: 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other spends

• 1 reward point worth ₹0.25, on every ₹100 spent
• Exceptions: No reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5,000

Complimentary insurance benefits: Free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family

16% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for Plus members – only on Flipkart transactions upto ₹2500

• Get 16 SuperCoins on every ₹100 you spend at Flipkart (12 SuperCoins from the card, and 4 SuperCoins which you get without the card on Flipkart)

8% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for non-Plus members – only on Flipkart transactions upto ₹2500

• Get 8 SuperCoins on every ₹100 you spend at Flipkart (6 SuperCoins from the card, and 2 SuperCoins which you get without the card on Flipkart)

2% reward (in terms of Flipkart SuperCoins) on all other card purchases

• Get 2 SuperCoins on every ₹100 you spend on all other card purchases
• Important exclusions: SuperCoins are not given on the following card spends & purchases – fuel, gift cards on Flipkart, EMI transactions, wallet loading transactions , jewellery, cash advances, payment of outstanding balances, payment of card fee and other card charges, third party integrated purchase like Flipkart Health, management fee, rental commissions, rental payments.

Value of 1 SuperCoin

• You can get the value of 1 SuperCoin on the Flipkart platform
• You could get a value anywhere between 25 paisa to around a rupee, depending on your redemption choice.

Lifetime free BOB credit card, exclusively for Assam Rifles Personnel

2.50% cashback on department store purchases up to ₹10,000 per month

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend. 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on combined total purchases up to ₹10,000 spends per month. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% cashback on all other card spends

• You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free BOB credit card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store 

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend. 
• Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on combined total purchases upto ₹10,000 spends per month. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% reward on other spends

• Earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free BOB credit card, exclusively for Indian Army Personnel

2.50% cashback on department store purchases 

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend in this category. 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on total purchases up to ₹10,000 spends per month in this category. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends

• You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 times per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

0.53% benefit on specific travel and shopping categories – Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers || Departmental Stores || Durable Goods || Electric Sales

• Earn 5.33 reward points worth 53 paise, on every ₹100 you spend in these travel and shopping categories.
• Reward points redemption: 1 reward point = ₹0.10 or 10 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

0.26% benefit on all other card spends – if total yearly card spend is below ₹2 lakhs

• Earn 2.66 reward points worth ₹0.26 or 26 paise, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.10 or 10 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.
• Important exclusions: No reward points are given on wallet load, online skill-based gaming, insurance, government, rent, railways, education spends, and fuel

0.53% benefit on all other card spends – if total yearly card spend is above ₹2 lakhs

• Earn 5.33 reward points worth ₹0.53 or 53 paise, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.10 or 10 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

Milestone benefits: Get 10,000 reward points worth ₹1000 OR 4 PVR tickets, when you spend ₹1.25 lakh or more on your card every 6 months.

Fuel surcharge waiver up to ₹3500 per year, and valid only on fuel transactions between ₹500 and ₹4000

Rail surcharge waiver at www.irctc.co.in and Indian Railways Booking Counters, up to ₹500 per year

1.66% benefit on various shopping categories – Department stores || Jewellery || Apparels || Lifestyle goods

• Earn 6.66 Zen points worth ₹1.66 (one rupee and 66 paise), on every ₹100 you spend in these shopping categories.
• 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

0.83% benefit on all other card spends

• Earn 3.33 Zen points worth ₹0.83 (83 paise), on every ₹100 you spend on all other card purchases.
• 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.
• Important exclusions: You get no cashback on fuel, EMI transactions and cash withdrawals.

Additional milestone benefits up to 0.6% 

You get either –

• 7500 Zen points worth ₹1875 , when you spend ₹3 lakhs or more on your card each year OR
• 15000 Zen points worth ₹3750 , when you spend ₹6 lakhs or more on your card each year

Complimentary airport lounge access outside India – 3 per year

Complimentary airport lounge access in India – 2 per quarter (quarterly spending requirement of ₹75,000)  

Fuel surcharge waiver, up to ₹3500 per year, and valid only on fuel transactions between ₹500 and ₹5000

Railway surcharge waiver, up to ₹500 per year 

• 1.80% surcharge waiver for transactions made on the IRCTC website
• 2.50% surcharge waiver for transactions made at Indian railway booking counters
• Maximum waiver of ₹500 per year

Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on grocery & department store purchases (5X)

• 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
• This is valid only on total monthly purchases up to ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)

• 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

Exceptions: No reward points are given on fuel purchases, utility bills, government transactions, insurance, rent payments, e-wallet loading transactions, international spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card, all types of card fees and other charges.

Complimentary international airport lounge access – 1 time per year

Complimentary domestic airport lounge access – 2 times per quarter. This benefit is applicable only if you have spent a minimum of ₹75,000 on your credit card, in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

Fuel surcharge waiver, up to ₹250 per month

• 1% waiver fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000.
• And only on fuel purchases up to ₹25000 per month (since the waiver amount is limited to ₹250 per month).

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% reward on grocery and department store purchases (5X)

• 5 reward points worth ₹1.25, on every ₹100 spent
• This is valid only on total monthly purchases up to ₹20,000 across these categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% reward on all other spends (X)

• 1 reward points worth ₹0.25, on every ₹100 spent
• Important exclusions: No reward points are given on fuel purchases, rent, e-wallet loading transactions, utility bills, government transactions, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card fees and other charges.

Domestic airport lounge access – 1 time per quarter. This benefit is applicable only if you have spent a minimum of ₹75000 on your credit card, in the previous quarter.

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

1% fuel surcharge waiver (up to ₹250 per month)

American Express Credit Cards has paused issuing new credit cards until further notice.

5% - 10% reward at select partners, on total purchases up to ₹2500 per month (Select partner list - Flipkart, Myntra, Zomato, Ajio, Nykaa, BlinkIt, EaseMyTrip, Uber, BookMyShow, PVR)

▶︎ 5% reward

• 20 reward points worth ₹5, on every ₹100 spent at these partners
• Reward points redemption: 1 reward point = 0.25 when you redeem reward points on options like cashback to statement (statement credit), and various e-vouchers

▶︎ 10% reward

• 20 reward points worth ₹10, on every ₹100 spent at these partners
• Reward points redemption: 1 reward point ≈ 0.50 when you also take other Amex cards like American Express Membership Rewards® Credit Card which helps you to club reward points and redeem them for more rewarding options like 18 Karat Gold Collection and 24 Karat Gold Collection

2.50% - 5% reward at select partners, on total purchases up to ₹2500 per month. Select partner - Amazon

▶︎ 2.50% reward

• 10 reward points worth ₹2.50, on every ₹100 spent at these partners
• 1 reward point = 0.25 when you redeem reward points on options like cashback to statement (statement credit), and various e-vouchers

▶︎ 5% reward

• 10 reward points worth ₹5, on every ₹100 spent at these partners
• 1 reward point ≈ 0.50 when you also take other Amex cards like American Express Membership Rewards® Credit Card which helps you to club reward points and redeem them for more rewarding options like 18 Karat Gold Collection and 24 Karat Gold Collection

0.50% - 1% reward on all other card spends

• 2 reward points worth ₹0.50 - ₹1, on every ₹100 spent at these partners
• Important exclusions: No reward points are given on the following card transactions - fuel, insurance, utilites, EMI conversion at Point of Sale, cash advances, express cash transactions, drafts made from the account, balance transfers and fees. 

Additional ≈ 0.50% reward through the milestone program

• Vouchers worth ₹500, at ₹1.20 lacs annual card spend
• Additional vouchers worth ₹500, at ₹1.80 lacs annual card spend
• Additional vouchers worth ₹500, at ₹2.40 lacs annual card spend

1% fuel surcharge waiver at HPCL fuel pumps, and valid only on fuel transactions below ₹5000