The card database
71 cards, growing. Every rule carries a verified-on date and a link to the issuer’s own terms. Devalued cards wear their history. Add yours to the stack straight from here.
71 of 71
â–² 25.0%₹500/yr · w@₹2,00,000âš
- 25% Airtel services25.0%
- 10% on other utility bills via Airtel Thanks (dynamic cap)10.0%
▲ 10.0%₹999/yr · w@₹2,00,000🛫 2+0
- 10% dining / food delivery / groceries / shopping / utilities10.0%
- Amazon / Flipkart: 1.5% only (excluded from 10% shopping)1.5%
â–² 10.0%₹499/yr · w@₹2,00,000🛫 8+2âš
- 10% dining / food delivery / groceries10.0%
- 1% on other eligible spends - shares the ₹400 total monthly cap1.0%
â–² 10.0%₹350/yr · w@₹50,000🛫 2+0âš
- Flat 20% off hotels / 10% off flights on EaseMyTrip10.0%
- 10 RP / ₹100 at standalone hotel & airline sites (2.5%)2.5%
▲ 7.5%₹1,500/yr · w@₹2,75,000
- 15 Fuel Points / ₹100 at IndianOil (7.5% + 1% surcharge waiver)7.5%
â–² 6.3%₹2,500/yr · w@₹4,00,000🛫 12+6âš
- 5X partner merchants (Myntra/Nykaa/Reliance Digital)6.3%
- Utilities: base rate capped 2,000 pts/month1.3%
▲ 6.3%₹1,499/yr · w@₹2,00,000🛫 4+0
- 25X at BPCL pumps (6.25% + 1% surcharge waiver)6.3%
- 10X dining/movies/grocery2.5%
â–² 6.0%₹999/yr · w@₹3,00,000🛫 8+1âš
- 6% myCash on MakeMyTrip hotels6.0%
- 3% myCash on MMT flights, holidays, cabs, buses3.0%
â–² 5.0%₹1,000/yr · w@₹3,00,000🛫 8+4âš
- DNP 5X on Swiggy & Zomato (direct)5.0%
- Utilities: base rate capped 2,000 pts/month1.0%
▲ 5.0%₹500/yr · w@₹2,00,000
- 5% select online brands5.0%
- 1% on other spends - capped ₹500/billing cycle1.0%
▲ 5.0%₹1,499/yr · w@₹3,00,000🛫 8+4
- 5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated)5.0%
- Utilities/telecom: 1.5% capped 2,000 NeuCoins/month each1.5%
▲ 5.0%₹2,999/yr · w@₹3,00,000🛫 8+4
- 20 RP/₹100 on utility bills via Standing Instructions (SBI platforms)5.0%
- 10 pts/₹100 on dining/grocery/movies/dept stores (SBI brands this 10X)2.5%
â–² 5.0%₹1,499/yr · w@₹3,00,000🛫 4+0âš
- 5 RP/₹100 on online spends (5% value)5.0%
- 10 RP/₹100 on PhonePe app: recharges, utilities, bills, travel (10% value)10.0%portal
â–² 5.0%₹495/yr · w@₹40,000âš
- 10X pool A (Flipkart/Uber/BMS/Ajio/Nykaa/PVR/Blinkit/Myntra)5.0%
- 10X pool B (Zomato & EaseMyTrip)5.0%
▲ 5.0%LTF🛫 8+0
- 5% cashback on grocery (paid feature, ₹299/90 days)5.0%
- 10X feature (₹299/90 days): all online AND offline spends2.5%
â–² 4.5%₹50,000/yr · w@₹35,00,000🛫 ∞+∞âš
- 2X on international spends (30 ERP/₹200, w.e.f. 20 Jun 2025)4.5%
- Rent EARNS base rate up to ₹1,00,000 spend/month2.3%
â–² 4.5%₹0/yr🛫 ∞+∞âš
- Rent earns points only up to ₹1L/month4.5%
- Insurance capped at 6,000 EDGE RP/month4.5%
▲ 4.5%₹4,999/yr · w@₹10,00,000🛫 24+∞⚠~tracker
- 36 pts / ₹200 on online spends (4.5%)4.5%
- 10 pts / ₹200 on utilities (1.25%)1.3%
▲ 4.0%₹449/yr · w@₹50,000
- 24 pts / ₹150 at IndianOil (4% value back)4.0%
- 12 pts / ₹150 on groceries & dining (2%)2.0%
▲ 4.0%₹4,999/yr · w@₹8,00,000🛫 6+4
- 4 pts / ₹100 on airlines, travel aggregators & foreign currency4.0%
â–² 3.8%₹66,000/yr🛫 ∞+∞âš
- 3X MR on all overseas spends3.8%
- Fuel earns only 1 MR/₹100 (w.e.f. 1 Mar 2015)0.5%
▲ 3.8%₹2,499/yr · w@₹2,50,000🛫 ∞+0
- 15 RP / ₹100 on dining, travel, intl, online shopping (3.75%)3.8%
- SmartDeal hotels 30 RP/₹100 via BOBCARD app7.5%portal
â–² 3.6%₹30,000/yr · w@₹30,00,000🛫 ∞+∞âš
- Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above3.6%
- Rent EARNS base rate up to ₹50,000 spend/month3.6%
â–² 3.5%₹1,000/yr · w@₹4,00,000âš
- Online cashback, tiered 2% / 5% / 7% by monthly spend3.5%
- 0.5% on utilities0.5%
â–² 3.3%₹12,500/yr · w@₹10,00,000🛫 ∞+∞âš
- Utilities: base rate capped 2,000 pts/month3.3%
- Telecom: base rate capped 2,000 pts/month3.3%
▲ 3.3%₹10,000/yr · w@₹8,00,000🛫 ∞+∞
- Utilities: base rate capped 2,000 pts/month3.3%
- Telecom: base rate capped 2,000 pts/month3.3%
▲ 3.3%₹5,000/yr🛫 16+12
- 3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%)2.0%
▲ 3.2%₹3,000/yr🛫 12+12
- 8 Bonvoy pts/₹150 at participating Marriott properties3.2%
- 4 Bonvoy pts / ₹150 on travel, dining & entertainment1.6%
▲ 3.0%₹499/yr
- 1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count3.0%
â–² 3.0%₹12,499/yr · w@₹10,00,000🛫 ∞+∞âš
- Insurance: base rate capped 5,000 pts/statement cycle3.0%
- Education: base rate capped 1,000 pts/statement cycle3.0%
▲ 2.5%₹499/yr · w@₹1,00,000
- 10X partner merchants2.5%
- 5X other online (capped 10,000 RP/month, then 1RP/₹100)1.3%
▲ 2.5%₹4,999/yr · w@₹10,00,000🛫 8+6
- 10 RP/₹100 on dining, departmental stores & grocery (bank brands this 5X)2.5%
▲ 2.5%₹3,000/yr · w@₹4,00,000🛫 4+2
- 5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533)2.5%
- 5 Air Miles/₹100 on flights & hotels via Kotak Unbox5.0%portal
▲ 2.0%₹499/yr · w@₹1,00,000🛫 4+0
- 2% NeuCoins at Tata Neu AND all partner Tata brands (1% base + 1% additional, MID/TID-based)2.0%
- Utilities: base rate capped 2,000 NeuCoins/month1.0%
â–² 1.8%₹12,500/yr · w@₹25,00,000🛫 ∞+∞âš
- Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above1.8%
- Rent EARNS base rate up to ₹50,000 spend/month1.8%
▲ 1.7%₹2,999/yr🛫 16+8
- 10 pts / ₹150 on incremental spends above ₹20K/cycle1.7%
- 5 pts/₹150 on international spends (all tiers; never accelerated)0.8%
â–² 1.3%₹1,500/yr · w@₹1,50,000🛫 8+3âš
- 10 Zen pts / ₹150 on shopping (lifestyle, jewellery, dept stores, apparel)1.3%
- Education & insurance EARN, capped at ₹70,000 spend/cycle0.7%
â–² 1.3%LTF🛫 4+4âš
- 10 pts / ₹200 on dining, travel & international1.3%
- 3 pts / ₹200 on rent, govt, wallet loads & education0.4%
â–² 1.3%LTF🛫 4+0âš
- 10 pts/₹200 on dining, travel & international - from the FIRST rupee (18 Jun 2026)1.3%
- 1 pt / ₹200 on utilities, insurance, railways & FASTag0.1%
▲ 1.3%₹7,999/yr · w@₹5,00,000🛫 8+8⚠~tracker
- 5 RP/₹100 on standalone dining, international, grocery & departmental stores1.3%
- 5 RP/₹100 on international spends1.3%
▲ 1.0%₹2,500/yr · w@₹3,00,000🛫 8+6
- Utilities: base rate capped 2,000 pts/month1.0%
- Telecom: base rate capped 2,000 pts/month1.0%
▲ 1.0%₹999/yr · w@₹2,50,000🛫 4+0
- 3 Air Miles/₹100 on flights & hotels via Kotak Unbox3.0%portal
â–² 1.0%₹3,500/yr · w@₹6,00,000🛫 16+2âš
- 2X international spends1.0%
- 1 pt/₹100 on utility & insurance (half rate, not zero)0.3%
â–² 1.0%LTF~tracker
- 7% flights & hotels via Uni app7.0%portal
- 5% shopping via Uni Store (Amazon/Flipkart/Myntra)5.0%portal
â–² 1.0%LTF🛫 0+0âš
- 2 pts / ₹100 on weekend spends (Sat-Sun)1.0%
- 0.7 pt / ₹100 on utilities, insurance, govt, education & rent0.3%
▲ 1.0%₹20,000/yr🛫 ∞+∞
- Utilities/rent/wallet/govt/education/insurance/jewellery: points capped1.0%
- Travel with Points portal: bank advertises up to 12X on hotels/flights/car rentals (modeled ~2x value pending portal verification)6.0%portal
â–² 0.5%₹999/yr · w@₹1,00,000🛫 8+0âš
- 4 pts / ₹150 on accelerated categories0.5%
- Education & insurance EARN, capped at ₹70,000 spend/cycle0.3%
▲ 0.5%₹4,500/yr · w@₹1,50,000
- 1,000 bonus MR on 4×₹1,500 txns/month0.5%
- ShopWise vouchers 2X (Reward Multiplier)1.0%portal
â–² 0.5%₹10,000/yr · w@₹10,00,000🛫 12+2âš
- ShopWise vouchers 3X (Reward Multiplier)1.5%portal
â–² 0.5%₹4,500/yrâš
- Utilities earn 1 MR/₹50, capped 10,000 pts/month0.5%
- 1,000 bonus MR on 6×₹1,000 txns/month0.5%