Best Rupay Credit Cards in India 2025

Digital UPI Credit Card 

▶︎ Basic Rewards Structure (No Subscription)

UPI Transactions

• 0.50% cashback on UPI spending (2 Kiwis per ₹100)
• Monthly cashback limit: 1% of total credit limit
• Minimum transaction: Rewards given on multiples of ₹100 
• 1 Kiwi = ₹0.25 (redeemable as statement credit)

Non-UPI Transactions

• 0.25% rewards (1 point per ₹100 spent)

▶︎ Enhanced Rewards with Kiwi Neon Subscription

Subscription Details

• Annual cost: ₹999

Base Enhanced Rates

• 0.50% cashback on online UPI transactions
• 2% cashback on scan & pay QR transactions

Annual Milestone Rewards

• ₹50,000 annual spend: 3% total cashback + 1 domestic airport lounge access
• ₹1,00,000 annual spend: 4% total cashback + 1 domestic airport lounge access
• ₹1,50,000 annual spend: 5% total cashback + 1 domestic airport lounge access

Important reward exclusions & exceptions

• Telecom & utilities (utility rewards limited to 150 reward points per month)
• Jewelry, fuel, rent payments
• Insurance premiums & education fees
• Government services & wallet reloads
• Cash withdrawals & EMI transactions
• Marketing/advertising category transactions

▶︎ Other Benefits: 1% fuel surcharge waiver, up to ₹250 per month

10% cashback (up to ₹1500 per month) on popular shopping brands like Amazon & Flipkart

5% cashback (up to ₹1000 per month) on well-known travel platforms

1% unlimited cashback on other card transactions

Important exclusions: The following transactions are NOT eligible for earning rewards:

• Fuel spends
• Govt related transactions
• Rent payment transactions
• Utility bill payments (electricity, gas, etc.)
• Wallet loads / gift or prepaid card loads / voucher purchase
• Cash advances
• Payment of Outstanding Balances
• Payment of card fees and other charges
• All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.)

Reward Currency & Redemption:

• Rewards earned as "Jewels" in Jupiter app
• Redemption value: 5 Jewels = ₹1 (i.e., 1 Jewel = ₹0.20) 
• Redemption options: Cashback to card statement credit, digital gold, brand vouchers

No annual fee (except joining fee)

Joining fee compensated by good welcome offers - 

• Free Amazon Prime subscription (1 year, worth ₹1,499)
• Free Fraud Protection plan (1 year, worth ₹399)

3% Reward on UPI Transactions via Super.money App

• 3% cashback on "Scan & Pay" UPI transactions
• Monthly cashback limit: ₹500 (reached at ₹16,667 spending)

1% Reward on Non-UPI Transactions

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400-₹4,000
• Maximum waiver: ₹400 per month

Important Exclusions: No Cashback given on-

• Repayments & EMI transactions
• Utility & telecom services
• Fuel purchases (except surcharge waiver)
• Jewelry, watches & silverware stores
• Cash withdrawals & wallet loads
• Insurance & education services
• Government services & financial institutions
• Rental payments

UPI Transaction Guidelines

Allowed UPI Usage

• Merchant payments through UPI network
• Standard retail and service transactions

UPI Restrictions: Cannot be used for - 

• Person-to-person (P2P) transfers
• Person-to-person merchant (P2PM) transactions
• Digital account opening & lending platforms
• Cash withdrawal (merchant/ATM)
• ERUPI, IPO applications
• Foreign inward remittances
• Mutual fund investments
• Other categories as restricted by Axis Bank

UPI-Enabled RuPay Credit Card with Zero Annual Fee

Airport Lounge Access

• 4 domestic lounge visits per year
• Spending requirement: ₹50,000 in previous 3 calendar months 

Up to 3% Cashback on Card Spending

Premium Categories (3% Cashback)

• Online food delivery
• Local commute
• Entertainment
• Earn ₹3 cashback per ₹100 spent

General Spending (1% Cashback)

• Other eligible purchases
• Earn ₹1 cashback per ₹100 spent

Monthly Limits

• Maximum cashback: ₹1,500 per month across all categories

Exclusions & Restrictions (No Cashback Categories)

• Wallet reloads & rental payments
• Cash withdrawals & fuel purchases
• Gift cards & insurance
• Jewelry & government services
• Education fees & EMI transactions
• UPI transactions below ₹2,000

Fuel Benefits

• 1% fuel surcharge waiver up to ₹400 per month
• Valid only on fuel transactions between ₹400-₹5,000

Lifetime free (no annual fee)

Welcome Offer

• ₹250 voucher on first UPI transaction of ₹2,000+ at partner brands
• Partner brands: Amazon, Flipkart, Swiggy, Zomato, Myntra

UPI Enabled Credit Card 

• Use Jupiter mobile app for UPI payments, allowing scan & pay transactions at any QR-enabled merchant.
• Physical card is also delivered to approved customers

Customizable Rewards on Card Spending (Up to 2% Cashback)

Choose ANY ONE preferred category for 2% cashback:

1. Shopping: Fashion, groceries, electronics, e-commerce
2. Travel: Flights, trains, hotels, cab bookings
3. Dining: Food delivery, restaurants, cafes

Cashback Rates

• 2% cashback on chosen preferred category
• 0.4% cashback on other eligible spending
• Monthly cashback limit: ₹3,000 

Value of Reward Points & Redemption 

• Reward points earned as "Jewels" in Jupiter app
• Conversion rate: 5 Jewels = ₹1 (1 Jewel = ₹0.20)
• Minimum redemption: 100 Jewels (₹20)
• Redemption options: Statement credit, digital gold, brand vouchers

Important Exclusions (No Reward Points)

• Fuel purchases
• Government transactions & rent payments
• Utility bills & wallet loads
• Gift/prepaid card purchases & vouchers
• Cash advances & outstanding balance payments
• Card fees, charges & all EMI transactions

Other Benefits

• 1% fuel surcharge waiver on fuel spends between ₹400-₹3,000 (maximum ₹100 per month)
• ₹10 lakh personal accident and permanent disability cover

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).

Lifetime free credit card: No annual fee is charged on this credit card

Zero forex fees on international transactions

Unlimited domestic lounge access (with monthly spending requirement)

• Visa variant: ₹10,000 spend per month
• RuPay variant: ₹15,000 spend per month

Up to 2% basic rewards

• Visa Variant: 2% rewards on card spends (10 Scapia Coins per ₹100)
• RuPay Variant: 1% rewards on card spends (5 Scapia Coins per ₹100)

4% rewards on travel 

• Earning rate: 20 Scapia Coins per ₹100 on Scapia app bookings
• Coverage: Flights, hotels, buses booked through Scapia app

Value of Reward Points & Redemption

• Value: 1 Scapia Coin = ₹0.20
• Redemption: Travel bookings through Scapia app only (flights, hotels, buses)

Exclusions & Restrictions

1. No Rewards Categories

• Money transfers & rent payments
• Cash withdrawals & EMI transactions
• Forex transactions & education fees
• Gift cards & credit card repayments
• Crypto/digital asset transactions
• Fuel purchases & wallet loading

2. Utility Spending Cap (utilities, telecom, cable): No rewards on spending above ₹20,000 per month

Lifetime free card, enabled for UPI payments

Rewards Program

• 1.2% rewards on UPI transactions (2 points per ₹100)
• 0.60% rewards on all other card spending (1 point per ₹100)

Value of Reward Points & Redemption

• IndusMoments platform: 1 point = ₹0.60 (best value)
• Cashback conversion: 1 point = ₹0.35 (lower rate)

Important Exclusions (No Rewards)

• Fuel purchases
• Real estate & rental payments

Reduced Rewards

• 0.42% rewards on utilities, insurance, government services, education fees
• Earn 0.7 points per ₹100 in these categories

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only

UPI enabled card

1.66% reward on departmental stores & grocery spends || dining spends || movie spends

• 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

0.16% reward on all other card spends

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

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

This Kiwi Axis UPI Credit Card charges zero annual fee, and is UPI enabled

Digital card, which can be used to make UPI payments (online as well as scan & pay), through the KIWI app and other UPI apps

0.20% reward on all card spends

• You get 1 reward point worth ₹0.20, on every ₹100 you spend on your card
• Exceptions : You do not get any reward points on wallet reloads, rental payments, insurance, cash withdrawals, fuel spends, jewelry, government services, education, EMI transactions, UPI transactions of less than ₹2000

Fuel surcharge waiver (up to ₹150 per month), valid only on fuel transactions between ₹400 and ₹4000

10.80% reward on AC class rail ticket bookings on IRCTC (in non-peak season)

10% reward

• Earn 10 reward points worth ₹10, on every ₹100 spent in this category. 
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep

0.80% reward

• You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

Reward points redemption: 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC

4.80% reward on AC class rail ticket bookings on IRCTC (in peak season)

4% reward

• Earn 4 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan

0.80% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

0.80% reward on all other card spends

• Earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).
• 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

Complimentary railway lounge access – 1 per quarter

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

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

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

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.

10.50% reward on AC class rail ticket bookings on IRCTC, in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)

10% reward

• You earn 40 reward points worth ₹10, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
• Reward points redemption: 1 reward point = ₹0.25 (25 paise). Reward points will be given in your IRCTC account, on your linked loyalty number. 4 reward points = 1 IRCTC point = ₹1. IRCTC points can be used for buying AC class rail tickets on IRCTC.

0.50% cashback (this is given on all spends on the card)

• You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

4.50% reward on AC class rail ticket bookings on IRCTC, in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)

4% reward

• You earn 16 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
• 1 reward point = ₹0.25 (25 paise). Reward points will be given in your IRCTC account, on your linked loyalty number. 4 reward points = 1 IRCTC point = ₹1. IRCTC points can be used for buying AC class rail tickets on IRCTC.

0.50% cashback (this is given on all spends on the card)

• You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

1% cashback on department store purchases || 0.50% cashback on all other card spends, including UPI spends

• 4 reward points worth ₹1, on every ₹100 spent on department store purchases
• 2 reward points worth ₹0.50, on every ₹100 spent on other purchases
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
• Restrictions: You can earn a maximum of 1000 reward points, which 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.

Complimentary railway lounge access – 1 time per quarter

1% transaction charges waiver on railway ticket bookings on IRCTC

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

Below rewards are applicable on both UPI as well as regular credit card spends. 

0.75% reward on following spends - groceries || supermarket || dining || PayZapp transactions

• Earn 3 Cashpoints worth ₹0.75, on every ₹100 you spend in these categories.
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month

0.50% reward on utility spends

• Earn 2 Cashpoints worth ₹0.50, on every ₹100 you spend in this category
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month

0.25% reward on all other card spends

• Earn 1 Cashpoints worth ₹0.25, on every 100 you spend on all other card purchases
• 1 Cashpoint = ₹0.25 (25 paise), and be redeemed as cashback
• You can earn a maximum of 500 Cashpoints per month
• Please note that no Cashpoints are given on rent, wallet loads, EMI, fuel, insurance payments & government categories

Other important points-

• This card is issued as a virtual card only, no physical card is issued
• You can apply for this card through HDFC MyCards

10% cashback on PhonePe spends (utility bills, recharges, travel, movies) 

• 10 reward points worth ₹10, for every ₹100 spent in these categories
• Monthly cashback limit: 1000 reward points, reached at ₹10,000 spending

5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber)

• 5 reward points worth ₹5, for every ₹100 spent in these categories
• Monthly cashback limit: 500 reward points, reached at ₹10,000 spending

1% cashback on UPI Scan & Pay transactions

• 1 reward points worth ₹1, for every ₹100 spent
• Monthly cashback limit: 500 reward points, reached at ₹50,000 spending

Redemption value of reward points

• Reward points can be converted to cashback (statement credit)
• 1 reward point = ₹1

Important exclusions (no reward points)

• EMI spends (Easy EMI, Smart EMI, Dial an EMI)
• Fuel transactions, Wallet load, Gift Card
• Cash advances, Credit Card bill payment 
• Credit cards fees or any charges, Government transactions 
• Rental payments, Educations fees transactions
• Insurance and Investment, Jewellery purchase
  

Domestic airport lounge access - 2 visits per quarter (spend requirement of ₹75,000 per quarter)

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

6.50% earning on HPCL fuel (petrol, diesel and LPG) 

1. 4% cashback: 16 reward points worth ₹4, per ₹100 spent. Monthly limit: 1000 reward points worth ₹250, reached at ₹6250 monthly spend  
2. 1.50% reward through HP Pay App: 6 Payback points worth ₹1.50, per ₹100 spent 
3. 1% fuel surcharge waiver: Valid on fuel transactions between ₹400 and ₹5000. Monthly limit: ₹100 per month, reached at ₹10,000 monthly spend 

1.66% cashback on utilities & department stores  

• 6.66 reward points worth ₹1.66, per ₹100 spent
• Monthly limit: 1000 reward points worth ₹250, reached at ₹15000 monthly spend 

0.33% cashback on other card purchases (including UPI on RuPay cards)

• 1.33 reward points worth ₹0.33, per ₹100 spent 
• Important exclusions: No reward points on fuel, rent, education, wallet loads, government, insurance, charity, and supermarket purchases.

Domestic airport lounge access: 1 visit per quarter (requires ₹20,000 spending in the previous quarter)

25% movie discount at Zomato District 

• 25% discount, up to ₹100 per transaction
• Requirements: Minimum 2 tickets per transaction
• Valid 2 times per month
• Effective range: 25% discount on bills up to ₹400; flat ₹100 off on higher amounts

Value of reward points 

• Reward Points: 1 point = ₹0.25 (cashback redemption)
• PayBack Points: 1 point = ₹0.25 

2.50% cashback on the following card spends - travel || dining || international transactions (valid on total spends up to ₹20,000 per month)

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
• This is valid only on purchases up to ₹20,000 spends per month, in this category (since you can earn a maximum number of 2,000 special reward points per month in this category)

0.50% cashback on all other card spends

• You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25 (25 paise), 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

Complimentary access to airport lounges in India – 1 time 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

Snapdeal purchases: 5% unlimited cashback

• 20 points per ₹100 spent = ₹5 cashback

Online shopping (non-Snapdeal) & department stores: 2.5% cashback

• 10 points per ₹100 spent = ₹2.50 cashback
• Monthly cashback limit: 2,000 points (₹500 cashback), reached at 20,000 monthly spend

All other purchases: 1% cashback

• 4 points per ₹100 spent = ₹1 cashback

Important exclusions (no reward points) 

• Fuel, rent, education, government 
• Insurance, wallet loads, charity, supermarkets

Value of reward points & redemption

• Reward points can be redeemed as cashback
• 1 reward point = ₹0.25 (25 paise)

Fuel surcharge waiver: Up to ₹250 per month

• 1% waiver on fuel transactions between ₹400-₹5,000
• Maximum monthly waiver - ₹250, reached at ₹25,000 fuel spend

3.75% cashback on travel, online shopping , dining, international transactions 

• 15 reward points worth ₹3.75, per ₹100 spent
• Monthly limit: 5000 reward points worth ₹1250, reached at ₹33,333 monthly spending

0.75% cashback on other card spends

• 3 reward points worth ₹0.75, per ₹100 spent
• Important exclusions: No reward points on fuel, rent, education, government, insurance, charity, and supermarket purchases.

Up to 1% additional cashback, on annual spending milestone (₹5 lakhs)

• 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend (1% reward)

Value of reward points & redemption

• 1 reward point = ₹0.25
• Reward points can be redeemed as cashback

Unlimited domestic lounge access (spending requirement of ₹40,000 in the previous quarter)

Low forex  fee of 2% on international spends, and earn 3.75% cashback on these spends

'Buy One Get One' movie offer: 1 free ticket (up to ₹250), once a month - through Zomato District

6-month FitPass Pro membership (worth ₹15,000)

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

Personal accidental death cover: Coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel

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 

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

1% cashback benefit at select partners (Big Basket || Swiggy || BookMyshow || OYO || Uber) – on total purchases up to ₹37,500 per month 

• Earn 6.6 cash points worth ₹1, on every ₹100 you spend at these partners.
• This is valid only on total purchases up to ₹37500 per month (maximum 2500 CashPoints per month), and only on non-EMI purchases.
• 1 CashPoint = ₹0.15, and can be redeemed as cashback against your credit card statement balance.

0.10% cashback on all other card spends

• Earn 0.66 CashPoints worth 10 paise, on every ₹100 you spend on all other purchases.
• 1 CashPoint = ₹0.15, 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, post facto EMI transactions (Smart EMI, Dial an EMI), wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

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

10% benefit on railway ticket purchases up to ₹20,000 per month

▶︎ 5% benefit on railway tickets – on IRCTC ticketing website and IRCTC Rail Connect App

• 5 reward points worth ₹5, on every ₹100 you spend on railway ticket bookings on IRCTC website and app – only on bookings upto ₹20,000 per month (since the maximum reward points you can earn at this accelerated rate is restricted to 1000 reward points per month).
• 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.

▶︎ Additional 5% cashback on rail ticket booking through HDFC Smartbuy, only on ticket purchase/s up to ₹20,000 per month (since monthly cashback is capped at ₹1000 per month).

1% benefit on all UPI spends 

• You can link your card in select UPI apps only (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
• You get 1 reward point worth ₹1, on every ₹100 you spend on UPI payments – only on UPI payments upto ₹50,000 per month (since you can earn a maximum of 500 reward points per calendar month on UPI spends).

1% basic benefit on all other card spends

• You get 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹1, and can be redeemed on HDFC Smartbuy platform for railway ticket bookings.
• Exceptions: No reward points are given on fuel purchases, rent payments, government-related transactions, education transactions, wallet loads /gift or prepaid card load/ voucher purchase, EMI transactions, payment of card fees and other charges, payment of outstanding balances, cash advances.

Additional benefit of up to 1.6%, at ₹30,000 quarterly card spend (quarterly milestone benefit)

• You get a gift voucher worth ₹500, on spending ₹30,000 or more on your card within a quarter.
• Note: Cash transactions, dial-an- EMI, cash-on-call, balance transfer, card account fee, personal loan on credit card, etc will not be considered as eligible spends for this offer.

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

1% transaction charges waiver (up to ₹1000 per month), on IRCTC ticketing website and Rail Connect App

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

5.80% reward on IndianOil fuel

• 4.80% reward: 5 fuel points worth ₹4.80, per ₹100 spent. Monthly limit: 150 fuel points, reached at ₹3,000 monthly (250 fuel points/ ₹5,000 monthly spend for first 6 months as a promotion)
• 1% fuel surcharge waiver at all fuel stations, valid only on fuel transactions over ₹400. Monthly limit: ₹250, reached at ₹25,000 spend

4.80% reward on groceries

• 5 fuel points worth ₹4.80, per ₹100 spent
• Monthly limit: 100 fuel points, reached at ₹2000 monthly spend

4.80% reward on utility bills

• 5 fuel points worth ₹4.80, per ₹100 spent
• Monthly limit: 100 fuel points, reached at ₹2000 monthly spend

0.64% reward on other card purchases

• 0.66 fuel points worth ₹0.64, per ₹100 spent
• Important exclusions: No reward points on rent, government payments

Value of reward points (fuel points)

• Value: 1 fuel point = ₹0.96
• Redemption: Exclusively at IndianOil fuel outlets

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

5% reward on IndianOil fuel 

• 4% reward: 20 reward points worth ₹4, per ₹100 spent. Valid only on fuel transactions between ₹400 and ₹4000. Monthly limit: 1000 reward points, reached at ₹5000 monthly spend
• 1% fuel surcharge waiver, valid on fuel transactions between ₹400 and ₹4000. Monthly limit: ₹50, reached at ₹5000 monthly spend

1% reward on ‘online shopping‘

• 5 reward points worth ₹1 per ₹100 spent. 
• Valid on purchases between ₹100 and ₹5000 per month.

0.20% reward on other card purchases

• 1 reward points worth ₹ 0.20, per ₹100 spent 
• Important exclusions: No reward points on rent, wallet, insurance, gold/jewelry, utilities, government transactions.

Value of reward points (EDGE Reward Points)

• Point value: 1 EDGE reward point = ₹0.20
• Redemption: Axis Bank EDGE Rewards platform (vouchers, products, and more)

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

• 15% discount (up to ₹500), minimum order requirement of ₹2500
• Valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

Bookmyshow movie tickets: 10% discount, up to ₹100 per month

Card is exclusively for government sector employees

Low annual fee of ₹199 (and is waived off if you spend ₹75000 in your previous year)

Card is UPI enabled – you can use it for UPI payments

1% cashback (up to ₹200 per month), on all credit card spends (except fuel and railway transactions)

• Get ₹1 (as cashback), on every ₹100 you spend on your credit card
• This is valid on card spends up to ₹20,000 per month, since the maximum cashback is restricted to ₹200 per month

1 free movie ticket (up to ₹200), every 6 months – at BookMyShow

• Get a maximum of 2 free movie tickets per year, one each for every 6 months
• The maximum discount given on the 2nd ticket is ₹200, hence you get benefits of ₹400 every year

1% railway surcharge waiver (up to ₹600 per year), only on railway transactions up to ₹5000

1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only

Lifetime free card, there is no annual fee on the card

Virtual only card, you will not receive a physical card

1% cashback (upto ₹100 per month) on UPI spends at departmental stores || grocery || supermarkets || dining || pharmacy

• Earn ₹1 (as cashback), on every 100 you spend on UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets.
• This benefit is valid on total purchases up to ₹10000 per month, since the maximum cashback is restricted to ₹100 per month.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free credit card (no annual fee credit card) - limited time offer 

Zomato Discount Offer

• Discount: ₹120 off on Zomato orders
• Frequency: 2 times per month
• Minimum Order: ₹499
• Effective Discount: 24% on orders of ₹500

EazyDiner Restaurant Benefits

• Discount: 15% off (up to ₹500)
• Minimum Order: ₹2,500
• Frequency: 1 time per month
• Payment Method: Through EazyDiner app (PayEazy)

Blinkit Grocery Discount

• Discount: 10% off (up to ₹250)
• Frequency: 1 time per month
• Minimum Order: ₹750

Myntra Shopping Discount

• Discount: ₹150 off on select styles
• Minimum Order: ₹999
• Usage Limit: Once per customer

Cashback on Utliity Bills through Paytm

• Eligible Bills: Mobile recharge, broadband, DTH
• Cashback: 5% (up to ₹150)
• Minimum Transaction: ₹299
• Frequency: 1 time per month

BookMyShow Movie Discount

• Discount: 10% off (up to ₹100 per month)
• Frequency: Unlimited transactions

EDGE Reward Points on Card Spending

• Earning Rate: 1 EDGE point per ₹200 spent
• Point Value: ₹0.20 per point
• Effective Return: 0.10% on all other purchases
• Redemption: Gift vouchers, products via EDGE Rewards platform
• Important Exclusions: Utilities, education, insurance, government, wallet, rent, fuel transactions

Axis Bank Partner Offers

• Grab Deals Cashback: Up to ₹1,000 cashback per month, across partner merchants
• Gift Voucher Discounts: Special rates on select vouchers
• Seasonal Offers: Regular promotional deals on various categories

Domestic Airport Lounge Access: 1 visit per quarter (requires ₹50,000 spend in previous 3 months)

Dining Offers

• Swiggy: ₹120 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

 Zomato District Movie offer: BOGO movie ticket discounts, up to ₹200 per month

Ajio Offer: Up to ₹300 discount on select products (minimum ₹2,000 order)

Base Rewards: 0.40% reward on card spending

• Earn rate: 2 EDGE points per ₹100 (₹0.40 value)
• Point value: 1 point = ₹0.20

Important exclusions (no rewards)

• Movie transactions, rent, fuel, insurance, EMI, wallet loading
• Utilities, government/education payments, rental payments/brokerage

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

Axis Grab Deals Platform

• Cashback: Up to ₹1,000 per month from partner offers
• Gift voucher discounts with brand-specific conditions

Airtel Services: 25% cashback (up to ₹250 per month)

• Covers mobile, broadband, WiFi, and DTH services through Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹1000 monthly spend

Utility Bills via Airtel App: 10% cashback (up to ₹250 per month)

• Electricity, water, and gas bill payments via Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹2500 monthly spend

Food Delivery & Groceries: 10% cashback (up to ₹500 per month)

• BigBasket grocery orders and Swiggy/Zomato food delivery
• Monthly cashback limit: ₹500, reached at ₹5,000 monthly spend

Other Purchases: 1% cashback

• Applies to all other eligible card transactions
• Excludes: utilities (non-Airtel platforms), fuel, wallets, EMIs, government services, education services, rent, jewelry, insurance, annual fees and other fees, cash advances, payment of outstanding card balances, returns & cancellations

Other Benefits

▶︎ Airport Lounge Access

• Domestic airport lounge access - 4 visits per year
• Requires minimum ₹50,000 spend in previous 3 months 

▶︎ Dining Discount

• 15% off at EazyDiner partner restaurants (up to ₹500 discount)
• Minimum order requirement of ₹2500
• Valid once per month

▶︎ Partner Offers

• Additional cashback deals through Axis Grab Deals platform (up to ₹1,000 per month)
• Exclusive discounts with select Axis Bank partners

▶︎ Fuel surcharge waiver (up to ₹500 per month), valid only on fuel transactions between ₹400 and ₹4000

0.50% reward on all card purchases in India

• You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Exceptions :

• No reward points are given on fuel purchases, rent payments, e-wallet loads.
• 0.25% benefit on utilities, and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

1% reward on all international card spends 

• You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

ICICI milestone program - up to 0.3% additional reward

• Earn 3000 reward points worth ₹750, at ₹3 lakh yearly card spend
• Get additional 1500 reward points worth ₹375, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 15,000 reward points per year, under this program
• Hence you could earn a maximum of 15,000 reward points worth ₹3750, at ₹11 lakh annual card spend - 0.34% benefit

Complimentary domestic airport lounge access – 2 times per quarter (minimum card spending of ₹75000 is required in the previous quarter)

Complimentary railway lounge access – 2 times per quarter 

Up to 2 free golf rounds per month (minimum card spending of ₹50000 is required for each round of golf)

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month
• Maximum 2 free rounds per month.
• You can choose to take a free golf lesson, instead of a free golf round.

25% discount (up to ₹150) at BookMyShow movie tickets - 2 times per month

• You can avail this offer 2 times a month, at BookMyShow. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (up to ₹150) at INOX movie tickets - 2 times per month

• You can avail this offer 2 times a month, at INOX. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

Fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000

24/7 premium concierge services: You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.

• Hotel referral and reservation
• Restaurant referral and reservation
• Flight referral and reservation
• Car rental and limousine service
• Flower and gift assistance
• Booking and delivery of movie tickets
• Medical concierge privileges
• Emergency auto assistance across India

0.50% reward on all card purchases

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

Exceptions –

• No reward points are given on fuel purchases, rent payments, e-wallet loads, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.
• 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

3% reward on flights & gift vouchers, 6% on hotels - through ICICI iSHOP Rewards Platform

• Monthly limit: 9000 rewards points

1% reward on all international spends

• You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

Up to 0.4% additional rewards (ICICI milestone program)

• 4000 reward points worth ₹1000, at ₹4 lakhs yearly card spend
• Additional 2000 reward points worth ₹500, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 20,000 reward points per year, under this program.
• Hence you can earn the maximum 20,000 reward points worth ₹5000, at ₹12 lakh annual card spend - 0.41% reward

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter || Minimum card spending of ₹75000 required in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month.
• For example, if you want to play 4 free rounds of golf this month, then you should have spent a minimum of ₹2 lakhs on your card in the previous month.
• You can choose to take a free golf lesson, instead of a free golf round

BOGO ('Buy One Get One Free') at BookMyShow: 2 free movie tickets (up to ₹500 each) every month

• Buy one movie ticket and get up to ₹500 off on the second ticket, at BookMyShow.
• This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver, valid only on fuel transactions up to ₹4000

24X7 concierge services: Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

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

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

This card is only issued to Mastercard & Visa cardholders of Yes Bank. Existing RuPay cardholders of Yes Bank are not eligible for this card.

Lifetime free card for UPI payments

Digital only card, no physical card is issued

0.50% reward on UPI transactions over ₹2000

• Earn 2 reward points worth ₹0.50, on every ₹100 spent
• 1 reward point = up to ₹0.25, and can be redeemed for flights, vouchers, products and more. Highest reward point value is generally available for hotel & flight redemptions.
• Reward points are capped at 5000 reward points in a month.

0.25% reward on all other card spends: Earn 1 reward points worth ₹0.25, on every ₹100 spent (certain exclusions apply)

Virtual fixed-deposit credit card, opened against the security of a fixed deposit

• Minimum fixed deposit of ₹5,000 is required with IDFC FIRST Bank
• Card credit limit will be minimum 100% of your fixed deposit amount.

It is a Rupay credit card, hence can be used for UPI payments also

1% cashback on all card spends up to ₹50,000 per month, via the IDFC FIRST Bank mobile app || 0.5% cashback on UPI spends via other apps and all online spends

• Restrictions: Maximum cashback given is ₹500 per month, which you will reach at monthly card spend of ₹50,000

Exceptions

• 0.50% cashback on the following card spends - utilities, insurance, and wallet load

25% discount (up to ₹100) on movie tickets booked on District by Zomato, once a month

• This offer is applicable if a minimum of one or more tickets are booked
• This offer is applicable once a month

Complimentary roadside assistance worth ₹1,399

• 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
• You can avail this benefit up to 4 times a year

Complimentary insurance covers

• Lost card liability of ₹25,000
• Personal accident cover of ₹2 lakhs
• Credit Shield cover of ₹50,000
• Purchase Protection of ₹25,000

Lifetime free credit card (no annual fee credit card)

Fixed deposit based card – no income proof required || instant approval card 

• Credit card is issued against your fixed deposit, for customers between 18 years and 75 years of age
• Income documents not required, since the card is issued against the security of your fixed deposit

Minimum fixed deposit amount required is ₹10,000

• Minimum fixed deposit requirement of ₹10,000, for both Kotak 811 customers as well as other customers
• Joining fee of ₹250 for FD amount below ₹20,000

Flexible credit limit, up to 90% of fixed deposit amount 

• You can choose a credit limit of your preference, up to 90% of fixed deposit amount (maximum ₹16 lakhs)

1% benefit on online card spends || 0.25% benefit on all other card spends

• You earn 4 reward points worth ₹1, on every ₹100 you spend on online purchases. You earn 1 points worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on Kotak’s reward redemption platform (kotakrewards.com) for vouchers, products and more.

Exceptions : No reward points are given on fuel spends, railway spends, cash withdrawals.

Additional benefit of up to 1.4%, on achieving yearly card spend of ₹72,000 (milestone benefit)

• Amazon voucher worth ₹250, at yearly card spend of ₹36000 - 0.69% benefit
• Amazon voucher worth ₹1000, at yearly card spend of ₹72000 - 1.38% benefit

Note: Cash withdrawals, fuel spends and EMI conversion spends won’t be considered for milestone transactions.

1.8% – 2.5% surcharge waiver on railway ticket bookings, upto ₹500 per year

• 1.8% for transactions made on the IRCTC website
• 2.5% for transactions made at Indian railway booking counters
• Maximum waiver of ₹500 per year

1% fuel surcharge waiver at all fuel stations, up to ₹3500 per year

• Only on fuel transactions ranging between ₹500 and ₹4000, and
• Only on fuel purchases up to ₹3.50 lakhs per year, since waiver is capped at ₹3,500 per year

Interest-free cash withdrawal 

• You can withdraw cash up to 90% of your total credit card limit
• No interest is charged on ATM cash withdrawals up to 48 days (unlike most other credit cards).
• A processing fee of ₹100 is charged on each cash withdrawal, hence ideally one should withdraw cash only in an emergency

5% reward on HPCL fuel (petrol, diesel & LPG) 

• 3.50% rewards: 14 reward points worth ₹3.50, per ₹100 spent. Monthly limit: 700 reward points worth ₹175, reached at ₹5000 monthly spend
• +1.50% reward on purchases through HP Pay App: 6 Happy Coins worth ₹1.50, on every ₹100 spent. Monthly limit: 600 Happy Coins worth ₹150, reached at ₹10,000 spend per month.

2.50% reward on groceries & utilities

• 10 reward points per ₹100 (₹2.50 value)
• Monthly limit: 400 reward points worth ₹100, reached at ₹4,000 monthly spend across both categories 

2.50% reward on FASTag Recharges

• 10 reward points per ₹100 (₹2.50 value)
• Monthly limit: 200 reward points worth ₹50, reached at ₹2,000 monthly spend 

0.33% reward on other purchases: 

• 1.33 points per ₹100 (₹0.33 value)
• Important exclusions: Insurance, non-HPCL fuel, EMI, ATM withdrawals

Value of reward points & redemption

• IDFC rewards: 1 reward point = ₹0.25, can be redeemed on IDFC First Bank’s Rewards Platform
• HP Pay rewards: 1 Happy Coin = ₹0.25, can be used to pay for HPCL fuel purchases through the HP Pay app

Roadside assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

Comprehensive Insurance Coverage

• Card protection: ₹25,000 for fraud/counterfeit transactions
• Personal accident: ₹2 lakh for death/permanent disability
• Credit shield: ₹50,000 for unpaid bills in case of cardholder's accidental death
• Purchase protection: ₹25,000 coverage for eligible purchases

0.50% reward on all purchases 

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

Exceptions –

• No reward points are given on fuel purchases, rent payments, e-wallet loading transactions, government spends
• 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend)

Up to 0.25% additional reward through ICICI Milestone program 

• Earn 2000 reward points worth ₹500, upon ₹2 lakhs yearly card spend - 0.25% reward
• Earn additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year - 0.25% benefit
• You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary domestic airport lounge access – 1 time per quarter || Minimum card spending of ₹75000 required in the previous quarter

Complimentary railway lounge access – 1 time per quarter

25% discount (up to ₹100) at BookMyShow movie tickets - 2 times per month

• You can avail this offer 2 times a month, at BookMyShow
• When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
• Hence you get a 25% discount on movie ticket transactions up to ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (up to ₹100) at Inox movie tickets - 2 times per month

• You can avail this offer 2 times a month, at Inox
• When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
• Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver, valid only on HPCL fuel transactions between ₹400 and ₹4000