BankKaro

SBI Cashback Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹60,000

5% Cashback on all online spends

Flat 1% Cashback on all offline spends

Axis Flipkart Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹12,000

5% cashback with every transaction on Flipkart and Cleartrip transactions

4% cashback on Swiggy, PVR, Uber, and cult.fit with no cap on cashback

SBI Simply Click Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,567

10X Reward Points With Exclusive Partners on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, and Yatra

5X Reward Points on all other online spends

HDFC Millennia Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹14,115

5% cashback on purchases at select merchants like Amazon, Flipkart, and PayZapp with a minimum transaction of ₹2,000

Up to 20% savings at premium restaurants across cities through the Good Food Trail Dining program

Axis MyZone Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹10,000

4 reward points on every ₹200 spent on eligible spends redeemable across a wide range of options

Up to 15% off at partner restaurants at select restaurants across India through the Axis Bank Dining Delights program

ICICI Sapphiro Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹80,000

Reward Points On All Spends let you earn 4 points on international, 2 on domestic, and 1 on utility & insurance per ₹100 spent.

Welcome Vouchers Worth ₹13,000 include brands like Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip, and Croma.

HDFC Freedom Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹3,522

10X cashpoints on non-EMI retail spends with partners like Swiggy, BigBasket, Bookmyshow, OYO, and Uber

Up to 20% discount at premium restaurants through Swiggy Dineout

IDFC First Millenia Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹13,200

10X Reward Points On Milestone Spends on monthly spends above ₹20,000 and on birthdays

3X Reward Points On Other Spends on retail and UPI transactions

ICICI HPCL Coral Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹3,624

2.5% cashback on fuel on fuel purchases at HPCL petrol pumps via ICICI Merchant Services swipe machines with a minimum transaction value of ₹500

2 payback points per ₹100 spent on retail purchases except fuel

Scapia Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,07,171

10% reward on every eligible online and offline spend making it easy to accumulate Scapia Coins from both online and offline purchases.

PVR Kotak Platinum Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,00,545

Get Free PVR Movie Tickets Get 2 free PVR movie tickets every month on spending ₹10,000/- and above in a monthly billing cycle.

The Most Appetising Deals Get 15% cashback on food and beverages at PVR

HDFC Swiggy Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹11,676

10% cashback on Swiggy orders on food orders, Instamart, Dineout, and Genie, with cashback as statement credit capped at ₹1,500 per month

5% cashback on online spends on apps like Amazon, Flipkart, Myntra, Ajio, and more

Paytm HDFC Bank Select Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,234

5 % Cashpoints on Paytm spends like Recharge, Utility, Travel, Movies, Mini‑App up to 1 500 per calendar month

5% Cashpoints on Paytm Utility Payments and earn up to 1500 Cashpoints per calendar month

PIXEL Play Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,976

5% Cashback on Smartbuy and 3% cashback on choice of any one E-commerce merchant: Amazon, Flipkart, or PayZapp

1% Cashback on all online spends

HDFC Indian Oil Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹3,384

5% fuel points on spends at IndianOil fuel stations, earning 5 fuel points for every ₹100 spent

5% fuel points on bill payments up to 100 fuel points per month on bill payment spends, earning 5 fuel points for every ₹100 spent

IRCTC RBL Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,342

Book Train Tickets Earn 5 points per ₹200 spend on booking train tickets through IRCTC website or app.

Book Flights & Hotels Earn 2 points per ₹200 spend on booking flights & hotels through IRCTC website or app.

RBL Insignia Preferred Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,434

Earn accelerated reward points with 5 points per ₹100 on domestic spends and 10 points per ₹100 on international spends.

Get 28,000 bonus reward points as welcome benefit after card usage and fee payment within 30 days.

Rio Rupay Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,05,584

Cashback on All Spends Earn 3 Rio Coins (₹3) per ₹100 on UPI spends and 1 Rio Coin (₹1) per ₹100 on all other spends

Cashback on Dining Earn 1 Rio Coin (₹1) per ₹100 spent at restaurants (offline dining)

ICICI Rubyx Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹23,439

Welcome vouchers worth over ₹5,000 from Tata CLiQ, Tata Croma, EazyDiner, EaseMyTrip and more.

Earn up to 4 reward points per ₹100 spent with 4 on international, 2 on domestic, and 1 on utility & insurance spends.

Axis IOCL Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,800

4% value back on fuel purchases on transactions at IndianOil outlets using the Axis Bank IndianOil credit card

1% reward points on every spend on all purchases except fuel, utilities, and wallet recharges

MakeMyTrip ICICI Bank Signature Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,976

Earn 4 myCash on every hotel booking transaction worth ₹200 or more.

Earn 2 myCash on every flight booking transaction worth ₹200 or more.

HDFC Regalia Gold Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹25,000

5X reward point 5X Reward Points on purchases at Marks & Spencer, Myntra, Nykaa, Reliance Digital.

4 Reward Points 4 Reward Points on every ₹150 spent on utility bills, including insurance and education

AU Altura Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,200

2% cashback on groceries and utilities on grocery and departmental store purchases as well as utility bill payments, with a maximum cashback of ₹50 per statement cycle

1% cashback on other retail spends on all other retail transactions, capped at ₹50 per statement cycle

HDFC RuPay Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,500

3% cashback on grocery and dining spends on grocery, supermarket, dining, and PayZapp transactions, capped at ₹500 per month

2% cashback on utility bill payments capped at ₹500 per month

Kotak Essentia Platinum Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,09,876

10% Savings on Departmental & Grocery Store spends earn 10 Saving Points for every ₹100 spent at Departmental & Grocery Stores, with a maximum of 500 Saving Points you can earn in a month, valued at ₹500.

More Savings! earn 1 Saving Point for every ₹250 spent on other categories. Points from purchases in Departmental & Grocery stores are added on top.

Kotak Delight Platinum Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,234

10% Cash-Back on Movies • Spend ₹10,000 on non-entertainment categories to earn 10% cashback on movies every month.

10% Cash-Back on Dining • Spend ₹10,000 on non-dining categories to earn 10% cashback on dining (stand-alone outlets) every month.

RBL Shoprite Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,879

5 % Effective Value Back on Groceries earn 20 points (₹5 value) per ₹100 on grocery spends (capped at 1,000 points/month).

Unlimited Rewards on other purchases earn 1 reward point for every ₹100 you spend on any transaction with your RBL Shoprite card.

ICICI Platinum Chip Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,601

2 reward points on every ₹100 spent on retail purchases excluding fuel, redeemable for rewards

1 reward point on every ₹100 spent on insurance, utilities, and government transactions

RBL World Safari Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,534

Enhanced Rewards on Travel earn 5 Travel Points for every ₹100 spent on travel‑related purchases

Standard Rewards on Non‑Travel Spends earn 2 Travel Points for every ₹100 spent on all non‑travel retail transactions.

HSBC Travel One Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,00,000

Earn 4 reward points for every ₹100 spent on flights, travel aggregators, and in foreign currency,

Earn 10,000 bonus reward points when you spend more than ₹1,200,000 a year.

Indian Oil RBL Bank XTRA Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,232

3000 welcome Fuel Points on first retail spend of ₹500 or more within 30 days of card issuance

1000 Fuel Points per quarter on spending ₹75,000 per quarter on spending ₹75,000

Axis Supermoney Rupay Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,02,034

3% Cashback On QR Payments on transactions done via the Super.money using UPI QR codes, capped at ₹500 per statement cycle.

1% Cashback On Other Spends on all other qualifying transactions excluding restricted categories; combined cashback with 3% capped at ₹500 per statement cycle.

SBI BPCL Octane Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,665

4.25% Value Back on BPCL fuel spends capped at 1,300 reward points per billing cycle

5X Reward Points on everyday spends for every ₹100 spent on groceries, departmental stores, movies, and dining, capped at 5,000 reward points per month

Axis Privilege Amex Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,23,432

3% Cashback on QR transactions done on/through the super.money Platform and cashback capped at ₹500 per statement cycle

1% Cashback on all other qualifying spends and cashback capped at ₹500 per statement cycle

SBI ELITE Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,444

Maximize rewards on everyday spends with 5X points on dining, grocery, and departmental stores, and 2 points per ₹100.on other spends.

Get ₹5,000 welcome e-vouchers from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop.

Axis Atlas Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,50,000

Welcome Benefit offers 2500 EDGE Miles upon completing 1 transaction within 37 days of card issuance;

Get 2500 EDGE Miles on ₹3L spend, additional 2,500 EDGE Miles on ₹7.5L spend, and another 5,000 EDGE Miles on ₹15L spend annually

Axis Privilege Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹6,060

12,500 edge reward points worth ₹2,500 on paying the joining fee and completing the first transaction within 30 days

10,000 edge reward points worth ₹2,000 on annual spends of ₹2.5 lakh, boosting your rewards portfolio

Myntra Kotak Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,02,321

Instant Discount Of 7.5% on all spends done across Myntra Platforms and avail a maximum discount of ₹750 per transaction

Earn Unlimited 1.25% Cashback on spends across all other online and offline merchants

RBL Bank Play Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,234

Welcome Offer Enjoy ₹500 discount on movies, streams, events, plays, sports and activities bookings on BookMyShow when you make any purchase within 30 days of card issuance; offer valid for 3 months.

Monthly Movie Tickets spend ₹5,000 in a billing month to get two free tickets (up to ₹250 each) in a single transaction; valid for one month.

Standard Chartered EaseMytrip Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹12,000

Flat 10% off on domestic and international flight bookings done via EaseMyTrip with maximum discounts of ₹1,000 and ₹5,000, respectively. Use promo code “EMTSCB” on EaseMyTrip App/Website

Flat 20% instant discount on domestic and international hotel bookings done via EaseMyTrip with maximum savings of ₹5,000 and ₹10,000, respectively. Use promo code “EMTSCB” on EaseMyTrip App/Website

HDFC Tata Neu Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹6,360

7% Neucoins on Tata Neu spends on non-EMI purchases made on Tata Neu and partner Tata brands where 1 Reward Point = ₹1

1% Neucoins on other spends on non-EMI spends at non-Tata brands where 1 Reward Point = ₹1

SBI Simply Save Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,476

Earn 10X Reward Points per ₹100 spent on Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra.

Get 5X Reward Points on Other Online Shopping per ₹100, outside the partner list.

Axis Select Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹11,000

up to 20% discount on BigBasket purchases above ₹2,000, capped at ₹500 per order

Buy-One-Get-One movie tickets up to ₹300 once a month via Bookmyshow

Amex Smart Earn Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,482

₹500 cashback welcome gift on spending ₹10,000 on eligible purchases within the first 90 days of card membership

10X points on essentials on transactions via Zomato, EaseMyTrip, Flipkart, Myntra, and more, capped at 500 points/month per platform

IndusInd EazyDiner Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹5,280

50% Discount on dining at select restaurants through EazyDiner Prime. If you spend ₹2,500 per meal and dine 4 times a month, you can save approximately ₹5,000 per month or up to ₹60,000 annually.

Two Complimentary domestic airport lounge visits every calendar quarter, allowing up to 8 free visits per year

Amex Platinum Travel Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,992

3X rewards on travel on bookings made via the American Express travel portal

1,300+ lounge accesses globally with Priority Pass for primary and supplementary cardholders

Amex Platinum Reserve Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹30,434

Welcome Gift Of 11,000 Bonus Points on spending ₹30,000 within 90 days of Cardmembership and payment of annual fee.

Flexible Reward Points On Card Spends earn 1 Membership Rewards® point per ₹50 (excluding fuel, utilities), 3X points via Reward Multiplier, with no cap or expiry.

IDFC First Private Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,50,000

High-Earning Reward Points earn 10X points on monthly spends and 3X points on rent and education

Get Points On Travel & Insurance as earn 1X on insurance premiums; 60 points/₹150 on hotels; 30 points/₹150 on flights

SBI Card Miles Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,442

Rewards on Travel earn 2 travel Credits & 1 travel credit for every ₹200 that you spend on travel & on all other spends respectively.

Milestones 5,000 Bonus Travel Credits on reaching annual spends of ₹5 Lakh

HDFC MoneyBack Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,343

10X CashPoints (3.3% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket transactions.

Earn 2 CashPoints per ₹150 spent on all other eligible purchases excluding fuel, wallet loads, voucher purchases, and partner merchants.

IDFC FIRST Select Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹30,000

10X Reward Points On Milestone Spends on spends above ₹20,000 and on birthdays

1.99% Forex Markup on international transactions

HSBC Premier Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,34,567

Earn Reward Points On All Spends with 3 reward points per ₹100 spent, usable across shopping, dining, entertainment, and more.

Enjoy Exclusive Perks including 1:1 reward point redemption on Apple products, Epicure Membership with Taj benefits, and a ₹12,000 Taj gift card.

HDFC Shopper Stop Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,979

3% reward points on shoppers stop spends on purchases made at Shoppers Stop, capped at ₹500 per month

1% reward points on non-shoppers stop spends on all other purchases, capped at ₹1,000 per month

Kotak IndianOil Platinum Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,043

Get 1000 reward points as welcome benefit on first transaction greater than 500 in 30 days.

Earn rewards points such as 24 RP on IndianOil fuel (cap 1,200/stmt) per ₹150; 12 RP on dining & grocery (cap 800/stmt) per ₹150; 3 RP on other spends per ₹150.

Jupiter Edge Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,243

You will automatically receive 2 Jewels on eligible spends of ₹100 and more; 5 Jewels = ₹1; max 15,000 Jewels per billing cycle.

HSBC RuPay Cashback Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,000

Get 10% cashback on dining, food delivery and grocery spending. Plus earn 1% cashback on all other eligible spends

Welcome Benefits include ₹500 cashback on first spend, Amazon eGift Voucher, and EazyDiner membership.

Times Black ICICI Bank Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,10,000

Reward Points On Spends earn 2.5% reward points on international spends and 2% on domestic spends

Elite Club Access get exclusive access to The Quorum Club and curated luxury services

ICICI MakeMyTrip Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹15,747

₹3 my cash on every ₹200 spent on MakeMyTrip transactions with no restrictions on redemption for flights, hotels, and holidays

Welcome benefits worth ₹2,500 with ₹500 my cash, a ₹2,000 Lemon Tree Hotels voucher, and complimentary MMTBLACK membership

Biz Black Metal Edition Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,00,000

Earn 5 Reward Points on every ₹150 (1 RP = up to ₹1). Also: up to 55 days interest-free; 5X on Income Tax/GST (min ₹50k/cycle).

Get Club Membership of Marriott Annual & Taj Stay voucher worth ₹ 5000 on spends of ₹ 1.5 lakhs within first 90 days.

HDFC IRCTC Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹5,000

5 reward points on train bookings for every ₹100 spent on train tickets through the IRCTC website or Rail Connect App

5% cashback on train bookings through HDFC Bank SmartBuy

HSBC Platinum Rewards Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹3,634

2 reward points on every ₹150 spent on all eligible transactions

redeem reward points for air miles with leading airlines

Axis Airtel Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹10,020

25% cashback on Airtel bill payments on mobile, broadband, wifi, and dth bill payments through the Airtel Thanks

10% cashback on Swiggy and Zomato on every order placed

IndusInd Legend Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹7,578

Accelerated Rewards On Weekends 2 Reward Points for every ₹100 spent on weekends

Bonus Points On Reaching Milestone on spending over ₹6 lacs in a year get 4000 bonus points

AU Zenith Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹7,334

10 Reward Points per ₹100 spent on lifestyle and luxury shopping, translating to a 2.5% reward rate, with maximum rewards at an optimal monthly spend of ₹30,000

2 domestic and 2 international lounge accesses per calendar quarter using Visa cards and Priority Pass

IDFC First Classic Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹13,200

10X Reward Points On Milestone Spends on monthly spends above ₹20,000 and birthday spends

3X Reward Points On Incremental Spends up to ₹20,000 in a statement cycle

Axis Samsung Infinite Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹6,660

10% cashback on samsung products on purchases including EMI transactions, capped at ₹5,000 monthly and ₹20,000 annually

30,000 edge reward points as a welcome benefit after completing 3 transactions within 30 days of card issuance

Amazon ICICI Pay Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹60,000

5% Back on Amazon for Prime Members Earn 5% cashback as Amazon Pay balance on purchases made at Amazon.in if you're a Prime member.

3% Back on Amazon for Non-Prime Members Non-Prime users earn 3% cashback as Amazon Pay balance on Amazon.in purchases.

Axis Samsung Signature Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹7,560

10% cashback on samsung purchases on smartphones, tablets, laptops, televisions, and services, capped at ₹2,500 per month and ₹10,000 annually

10 edge reward points on every ₹100 spent on transactions with preferred partners such as BigBasket, Tata 1mg, Urban Company, Myntra, and Zomato

Axis Rewards Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹3,839

15% off on dining at select restaurants through EazyDiner with the Axis Bank Rewards Credit Card

2 edge reward points on every ₹125 spent on select categories with accelerated rewards

Tata Neu Infinity HDFC Bank Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹24,356

NeuCoins On Tata Brand Spends provide 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.

NeuCoins On Other Spends offer 1.5% back on non-Tata brand purchases, merchant EMI, and UPI spends, with UPI earnings capped at 500 NeuCoins per month.

ICICI HPCL Super Saver Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,567

Up to 5% cashback with 4% cashback capped at ₹200 per month and a 1% fuel surcharge waiver, plus 1.5% additional rewards via HP Pay

5% rewards on daily essentials on groceries, utility bills, and departmental stores, capped at 400 points per month

SBI Card Pulse Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,03,432

Earn reward points with 10 points per Rs.100 on chemist, pharmacy, sports, dining, movies, and 2 points per Rs.100 on all other spends

Get a Noise ColorFit Pulse 4 Pro Smartwatch worth ₹7,999 as a welcome gift on payment of the joining fee.

HDFC 6E Rewards Indigo Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹8,387

2.5% 6E rewards on flight bookings made via the IndiGo website or app

2 6E rewards on every ₹100 spent on dining, entertainment, and grocery spends

Pop Club Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹23,243

POPcoins On All Transactions earn POPcoins and enjoy multiple reward benefits like 10 per ₹100 on online and 2 per ₹100 on offline spends.

Joining Benefits Worth ₹5000 includes Blinkit, Cleartrip, PharmEasy, Zomato, Rapido, and Cult Sport offers.

Amex Membership Rewards Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,072

Up to 20% off on dining at select partner restaurants to make every dining experience more rewarding

4,000 bonus points instantly on signing up and beginning your journey with 4,000 bonus points

Axis Aura Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,499

4 complimentary practo consultations per month, covering you and up to 3 family members

4 free fitternity sessions with 4 interactive video sessions and 16 recorded sessions monthly

IDFC First WOW Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹1,599

Secured Credit Card issued against a fixed deposit, making it accessible without income proof or credit history

Zero Forex Markup Fee enjoy international transactions without any foreign currency conversion charges.

HDFC Marriott Bonvoy Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹2,928

1 complimentary free night award worth up to 15,000 points at Marriott Bonvoy hotels upon joining fee realization

8 marriott bonvoy points on every ₹150 spent at Marriott Bonvoy properties up to a monthly spend of ₹10 lakh

AU Zenith Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹7,334

₹5,000 welcome benefit through luxury brand vouchers or reward points upon activating your AU Zenith+ credit card

2X reward points on travel, dining, and international spends

IDFC First Power Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹9,084

Accelerated Reward Points On Fuel Spends with 30X points on HPCL fuel, grocery, and IDFC FASTag recharge spends

Buy-One-Get-One Movie Tickets twice a month with a discount of ₹250 per ticket

HSBC Live Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹22,488

10% cashback on dining and food delivery capped at ₹1,000 per billing cycle

1.5% unlimited cashback on other spends on most purchases excluding fuel, wallet reloads, and government transactions

IDFC First Ashva Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹14,000

Up to 10X reward points on purchases with accelerated points across shopping categories

₹500 cashback on first four transactions of ₹500 or more completed within 60 days of card issuance, totaling up to ₹2,000

IDFC First Mayura Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹14,000

0% Forex Markup on international transactions

10X Reward Points On Milestone Spends on monthly spends above ₹20,000 and on birthdays

Axis Shoppers Stop Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,35,464

Accelerated Points At Shoppers Stop earn 20 points per ₹200 on exclusive brands and 12 points per ₹200 on other brands at Shoppers Stop with no earning cap.

Unlimited 2 First Citizen points earned on every ₹200 spent elsewhere

Kotak Zen Signature Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,983

Reward Points On All Spends include 10 Zen Points per ₹150 on shopping categories and 5 points per ₹150 on other spends (excluding fuel, cash, and EMI).

Welcome And Milestone Benefits get 1,500 Zen Points on payment of the joining fee, plus 7,500 bonus points on annual spends of ₹3L or 15,000 points on ₹6L, credited at the end of the anniversary year.

Standard Chartered Ultimate

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹29,987

Earn Reward Points earn 6000 reward points worth ₹6000 on payment of joining fee with the Ultimate Credit Card.

Get Reward Points get 5 reward points on every INR 150 spent on the Ultimate Credit Card.

SBI Prime Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,800

10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies

Welcome Gift Worth ₹3,000 from brands like Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com upon payment of the annual fee

SBI Elite Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹11,796

Welcome Gift Worth ₹5,000 from premium brands upon joining

Enjoy 5X Reward Points on dining and grocery spends, maximizing your rewards on everyday expenses

Amex Gold Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹4,567

1 membership rewards point on every ₹50 spent including fuel and utilities spend

1,000 bonus membership rewards points on completing six transactions of ₹1,000 or more each month

IndianOil RBL Bank Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹30,000

Earn 1,000 Fuel Points On First Purchase by spending over ₹500 within 30 days of card issuance.

6% Valueback At IndianOil Fuel Stations with up to 100 litres of free petrol annually as fuel points on monthly spends of ₹20,000.

Axis Magnus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹7,000

₹12,500 welcome voucher through Luxe Gift Cards, The Postcard Hotels, or Yatra upon card activation

Unlimited lounge visits globally with Priority Pass, including 8 guest visits annually and unlimited domestic lounge access

IDFC Wealth Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹13,200

Earn 10X Reward Points on incremental spends above ₹20,000 per month and on spends made on your birthday

Earn 3X Reward Points on spends up to ₹20,000 in a statement cycle

Kiwi Klick Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,321

Flat ₹250 cashback (1000 Kiwis) on the first merchant transaction made with the Yes Bank Klick Credit Card

HDFC Infinia Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,879

5 reward points on every ₹150 spent on retail purchases including insurance, utilities, and education

10X reward points on Smartbuy redeemable for flights, hotels, and more

RBL Platinum Maxima Plus Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹45,000

Get 10,000 Reward Points as welcome benefit when you use the card within 30 days and pay the joining fee on time.

Milestone & Bonus Rewards are awarded when you spend ₹2L, ₹3.5L, and ₹5L annually, with 10,000 reward points for each milestone.

IDFC First SWYP Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,876

Welcome bonus of 2000 RP worth ₹500 on ₹5,000 spend in 30 days; 1 RP=₹0.25.

Monthly milestone rewards Earn 200/500/1000 RP at ₹5k/₹10k/₹15k spend each statement month.

IRCTC SBI Platinum Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹60,000

Value Back On IRCTC Tickets buy tickets through IRCTC platforms and earn up to 10% value back as Reward Points on AC1, AC2, AC3, Executive Chair Car and Chair Car.

Welcome Gift get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 60 days of card issuance.

HDFC Diners Club Black Metal Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,043

5X Points on Regular Spends Get 5 Reward Points for every ₹150 spent on eligible categories

Quarterly Milestone Rewards Earn 10,000 Bonus Reward Points on spending ₹4 lakh in a calendar quarter

HDFC Diners Club Black Credit Card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹20,879

5X Reward Points on Spends Get 5 Reward Points for every ₹150 spent on eligible purchases

Dining & Food Delivery Benefits Earn 2X Reward Points on weekend dining and get 3-month Swiggy One subscription for food delivery savings

Kotak Mojo Platinum Credit card

Annual Savings

Based on a ₹1 lakh monthly salary in a tier-one city (rent assumed, no kids or dependents), ₹20k is considered savings, and ₹80k is disposable income. This includes spending on essentials, online/offline purchases, bills, rent, travel, and leisure. If there’s no cap, the savings potential is unlimited.

₹30,000

Unlimited Mojo Points earn unlimited 2.5 Mojo points per ₹100 on online spends across categories without any cap.

Mojo Points on Other Spends earn 1 Mojo point per ₹100 on all categories, excluding fuel, rent, wallet load & gaming spends.