Cashback Credit Cards with Airport Lounge Access Offers in India 2026

2.50% cashback on departmental store purchases || grocery purchases || dining spends
– 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 for cashback.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
– Exception : No reward points are given on fuel purchases

Upto 1.50% additional cashback – on achieving 4 yearly credit card spend targets (milestone privileges program)
– You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend
– You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend
Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.
(1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback)

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

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

Low fee of 1.99% on international spends 

Complimentary Club Vistara Silver membership, benefits include-
– 1 complimentary upgrade voucher
– Priority airport check-in, at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership 
– Upon registration, you receive 1000 bonus welcome points.
– 10% instant saving on bookings made through the hotel website.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent

1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
– You need to book at least 2 movie tickets, at one time
– 2nd movie ticket is free, upto ₹250
– Offer is valid 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

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

Benefits
– Attractive reward rate on department store, grocery and dining spends, especially if you utilise the milestone privileges program.
– Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points, since reward points can be converted to cashback and paid into your monthly card statement.
– Complimentary credit card fraud liability cover of ₹1 lakh. This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders.

Drawbacks to consider
– High annual card spend target of ₹10 lakhs, to get annual fee waiver.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

2.50% cashback on departmental store purchases || grocery purchases || movie & dining spends
- You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

0.50% basic benefit on all other credit card spends (except fuel)
- You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.

Additional reward through milestone benefits
– Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend
– Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend

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

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

Complimentary Club Vistara SILVER membership, membership benefits include-
– 1 complimentary upgrade voucher
– 9 Club Vistara points for every ₹100 spent on your Vistara flights
– Priority airport check-in at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership, membership benefits include-
– 10% instant savings on bookings made through the hotel website.
– 1000 bonus welcome points at registration
– 1500 bonus points on your first stay, an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4000 AND
– Only on fuel purchases upto ₹25,000 per month (since the maximum waiver is capped at ₹250 per monthly card statement cycle)

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

Benefits
- Attractive benefit on department store, grocery and dining spends, especially if you utilize milestone benefits.
- Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends
- Attractive travel benefits like complimentary airport lounge access in India and abroad, complimentary Club Vistara Silver membership
- Easy redemption of reward points, since reward points can be converted to cashback

Drawbacks to consider
- Reward rate on travel spends is low, hence frequent travellers may need to look at premium travel cards

10% cashback on grocery purchases || dining spends || food delivery spends - on total spends upto ₹10,000 per month
- You get 10% cashback in these categories, on total monthly purchases upto ₹10,000, since the maximum cashback at this earning rate is restricted to ₹1000 per monthly card statement cycle.

1.50% cashback on all other card spends
- You earn ₹1.50 cashback, on every ₹100 you spend on all other card purchases

Complimentary access to domestic airport lounges - 1 time per quarter
- You get free visits to airport lounges in India, 4 times per year (maximum 1 time per quarter)

Cities where this card is available : Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata.

Benefits
- Good cashback rate on grocery purchases, dining and food delivery
- Free visits to airport lounges in India

Drawbacks to consider
- You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining and food delivery)

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits

No annual fee from 2nd year onwards

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends OR 
2% reward (in terms of Club Vistara Points/InterMiles) on all weekend card spends || 1% reward (in terms of Club Vistara Points/InterMiles) on all weekday card spends
– You get 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends with your card
– You get 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays with your card
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.
– Exceptions : You get 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

Additional benefit, at ₹6 lakhs annual card spend (milestone benefit)
– You get 4000 rewards points worth ₹2000, at ₹6 lakhs yearly card spend
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback
(You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile).

Complimentary access to airport lounges in India – 1 per quarter

Free Priority Pass membership worth USD 100 (for international airport lounge access)
– Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
– If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
– This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits
✓ Air accident insurance of ₹25 lakhs
✓ Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.
✓ Complimentary travel insurance covers-
- Lost baggage cover of ₹1 lakh
- Delayed baggage cover of ₹25000
- Loss of passport cover of ₹50000
- Lost ticket cover of ₹25000
- Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver, upto ₹2400 per year
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, and
– On fuel purchases upto ₹2.40 lakhs per year, since the waiver amount is restricted to ₹2400 per year
– Some fuel pumps may charge more than 1% surcharge, the yearly waiver would still be capped at ₹2400 in all cases

Benefits
– No annual fee after the 1st year
– Lifestyle benefits including complimentary airport lounge access, emergency roadside assistance, 24X7 concierge services

Drawbacks to consider
– Comparatively low reward rate on card spends

Lifetime free card

Co-branded credit card by Tiger Fintech (a Bajaj Capital group company), with IndusInd Bank

Slabwise benefit, depending on level of annual card spend
– On annual card spend upto ₹1 lakh : You earn 1 reward point worth ₹0.40 cashback OR 1.2 airmiles, on every ₹100 you spend
– On annual card spend between ₹1 lakh & ₹2.50 lakh : You earn 2 reward points worth ₹0.80 cashback OR 2.4 airmiles on every ₹100 you spend
– On annual card spend between ₹2.50 lakh & ₹5 lakh : You earn 4 reward points worth ₹1.60 cashback OR 4.8 airmiles, on every ₹100 you spend
– On annual card spend above ₹5 lakhs : You earn 6 reward points worth ₹2.40 cashback OR 7.2 airmiles, on every ₹100 you spend
– 1 reward point = ₹0.40 cashback OR 1.2 airmiles (Club Vistara Points or InterMiles)
– Exceptions : No reward points are given on the following card spends – fuel, utility bill payments, insurance premium, government services, educational Institutes, real estate and rental payments.

Lets take 2 examples to get effective benefit rate :
✔︎ At ₹6 lakhs annual card spend, you would earn a total of 20000 reward points worth ₹8000 as cashback (1.3% benefit), OR 24000 airmiles (4% benefit)
✔︎ At ₹3 lakhs spend, you would earn a total of 6000 reward points worth ₹2400 as cashback (0.8% benefit), OR 7200 airmiles (2.4% benefit)

Complimentary access to airport lounges in India – 2 per quarter (through DreamFolks program)

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)

Complimentary golf benefits – 1 free golf round per quarter OR 1 free golf lesson per quarter

1 free movie ticket (upto ₹500), every 6 months – at BookMyShow
– You can get a maximum of 2 free movie tickets per year (upto ₹500 each)

Low fee (forex markup) of 1.50% on international card transactions

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Benefits
– Lifetime free card
– Good benefit rate on card spends, especially at higher annual card spends and if you convert your reward points to Club Vistara Points or InterMiles
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more
– Such reward rates and lifestyle benefits, are not easy to find in most lifetime free cards in India

Drawbacks
– You could earn higher reward rates, especially if you choose a card with annual fee

Complimentary FITPASS PRO membership : 12 free monthly gym sessions || personalised fitness coaching || access to expert nutritionists
– You get complimentary annual FITPASS PRO Membership, and get access to 3 memberships across all aspects of your fitness journey-
✓ FITPASS – 12 complimentary gym sessions per month (maximum 3 per week), across gyms and fitness centers
✓ FITCOACH – personalized fitness coaching routines, through FITPASS mobile application
✓ FITFEAST – access to expert nutritionists for personalized diet plans, through FITPASS mobile application

Complimentary Netmeds First membership worth ₹499 - includes free basic health check-up & unlimited online ‘doctor consultation’
– Free basic health check-up
– Free unlimited online ‘doctor consultation’
– Free delivery (of pre-paid & cash-on-delivery orders, of any products)
– Additional 2.50% cashback (upto ₹100), only on pre-paid medicine orders of any value
– 5% discount, only on all pathology lab tests, profiles and packages

Complimentary airport lounge access in India – 2 per quarter

2.50% cashback on following spends - chemist spends || pharmacy spends || dining spends || movie spends
– 10 reward points worth ₹2.50, on every ₹100 you spend at chemists, pharmacies, dining & movies.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

0.50% benefits on all other card spends
– 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback

Upto 0.37% additional benefits at ₹4 lakh annual card spend (milestone benefits)
– Netsmed gift voucher worth ₹1500, at ₹4 lakh annual card spend - 0.37% benefit

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle)

Complimentary insurance benefits – for unauthorised use of your credit card
– Complimentary ₹1 lakh coverage, for protection against fraudulent transactions or unauthorised use of your credit card

Complimentary insurance benefits – related to air travel
– ₹50 lakh air accident coverage, providing financial protection to you or your beneficiaries.
– Coverage of upto ₹83,000 ($1000), in case of loss of checked-in baggage while travelling.
– Compensation of ₹8300, in case of any delays in receiving your checked-in baggage.
– Coverage of upto ₹12500, in case of loss of essential travel documents.
– Protection upto ₹5000, in case of any damage to your baggage during your journey.

Benefits
– Complimentary annual FITPASS PRO Membership, giving benefits across all aspects of your fitness journey – gym sessions, coaching routines, and access to expert nutritionists.
– Complimentary Netmeds First membership
– 2.50% cashback on chemist, pharmacy, dining & movie spends
– Complimentary airport lounge access in India – 2 per quarter

Drawbacks to consider
– Will need to consider other credit cards to get rewards on non-fitness spends like shopping, travel, fuel etc.

Free ‘professional indemnity insurance cover’ of ₹20 lakh, benefits include-
– Reimbursement of all legal & defense costs, out-of-court settlement expenses and court awards
– 0% of sum insured is deductible

Only credit card issued in partnership with Indian Medical Association (IMA)
– IMA is the largest representative voluntary organisation of Doctors of Modern Scientific System of Medicine

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

Complimentary airport lounge access in India – 8 per year (maximum 2 per quarter)

1.25% cashback on medical supplies || travel bookings || international spends
– 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other card spends
– 1 reward point worth ₹0.25, on every ₹100 you spend on all other card transactions
– 1 reward point = ₹0.25, and can be redeemed as cashback

Upto 1% additional reward (milestone benefit)
– ₹5000 voucher, at ₹5 lakh annual card spend (1% benefit)
– You can choose between vouchers of Yatra.com/Bata/Shoppers Stop

Fuel surcharge waiver upto ₹250 per month
– 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for doctors
– Complimentary airport lounge access both in India and abroad

Drawbacks to consider
– Reward rate on card spending is relatively low

Choice of 10% cashback (upto ₹100 per month per partner) at upto 5 select partners – BigBasket || Swiggy || BookMyShow || Uber || Pharm Easy: Based on the monthly fee package you choose, get cashback at any 2 partners (Silver Plan), any 3 partners (Gold Plan), OR all 5 partners (Platinum Plan)
– Silver Plan : ₹99 monthly fee || 10% cashback (upto ₹100 per month per partner), at any 2 partners
– Gold Plan : ₹149 monthly fee || 10% cashback (upto ₹100 per month per partner) at any 3 partners
– Platinum Plan : ₹249 monthly fee || 10% cashback (upto ₹100 per month per partner) at all 5 partners

Choice of 1% cashback on all card spends, OR 4 reward points on every ₹100 of all card spends
✔︎ Monthly fee for choosing 1% cashback : ₹99
– Cashback is not given on rental payments, fuel transactions, cash advance fee & charges, and EMI transactions.
– Maximum cashback is capped upto ₹1000 per month.
✔︎ Monthly fee for choosing 4 reward points on every ₹100 of all card spends : ₹49
– Reward points are not given on fuel transactions, cash advance, fee & charges, EMI transactions.

Choice of normal plastic card || eco-friendly card || metal card
– One time fee for normal plastic card : Zero
– One time fee for eco-friendly card : ₹249
– One time fee for metal card : ₹3499

Choice of personalising your credit card, with an image you love

Complimentary access to airport lounges in India – 1 per quarter

Complimentary golf rounds – 4 per year

Fuel surcharge waiver
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– Choice to personalise benefits, as well as appearance of your card
– Monthly fee, and ability to switch plans gives flexibility

Drawbacks to consider
– 10% cashback benefit only given on low spends at the 5 partners

Complimentary airport lounge access in India – 2 per quarter

1% cashback on online spends
– You earn 2.5 Mojo points worth ₹1, on every ₹100 you spend on online purchases.
– 1 Mojo point = ₹0.40 or 40 paise, and can be redeemed as cashback against your credit card statement.

0.40% cashback on all other card spends
– You earn 1 Mojo point worth ₹0.40 or 40 paise, on every ₹100 you spend on all other purchases.
– 1 Mojo point = ₹0.40 or 40 paise, and can be redeemed as cashback against your credit card statement.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances

Milestone benefits – only for 1st year
– You get 2500 Mojo points worth ₹1000 , when you spend ₹75000 or more on your card each quarter.
– This benefit is valid only in the 1st year from card issuance date.

Fuel surcharge waiver, upto ₹3500 per year : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹3.50 lakhs per year (since the maximum waiver is restricted to ₹3500 per year).

Rail surcharge waiver
– At www.irctc.co.in, and on Indian Railways Booking Counters
– Maximum railway surcharge waiver allowed in a calendar year is ₹500
– You will not earn reward points on railway transactions

Dedicated service – ‘KASSIST’
– Instead of you trying to reach Kotak, they will reach you. You need to SMS “KASSIST” to 5676788, and they will call you back within 2 hours.

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

Benefits
– Complimentary airport lounge access in India – 2 per quarter
– Easy reward points redemption process, you can redeem your reward points for cashback.

Drawbacks to consider
– Rewards on card spending are comparatively low.

Lifetime free card, exclusively for Indian Army Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on total purchases upto ₹10,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

1% fuel surcharge waiver at all fuel stations across India 
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver 
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Assam Rifles Personnel

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

10% cashback on Samsung purchases, upto 5000 per month, and upto maximum 20,000 per year
You earn 10% cashback on Samsung purchases subject to below 2 conditions:
– 10% cashback is applicable only on purchases upto ₹2 lakhs per year, since you can earn a maximum cashback of ₹20,000 per year.
– And on purchases upto ₹50,000 per month, since you can earn a maximum cashback of ₹5000 per month

Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores under ‘Brand EMI’, on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers, on PayU Soft POS machines.

3% benefit at select partners : You earn 15 reward points worth ₹3, on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% benefit on international spends : You earn 15 reward points worth ₹3, on every ₹100 you spend on your card abroad.

1% basic benefit on all other card purchases : You earn 5 reward points worth ₹1, on every ₹100 you spend on all other card purchases.

Complimentary visits to airport lounges in India – upto 8 times per year 

Complimentary visits to airport lounges outside India – upto 6 times per year

Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
– Valid once a month.
– You get a 25% discount (up to ₹800), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount% will fall below 25%.

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000.

Benefits
– Good card for purchasing Samsung products, upto 10% cashback
– Special benefits on 5 partners serving diverse needs
– Special benefit on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific partners
– Low reward on travel spends, hence customers may need to also look for a good travel card

▶︎ Exclusively designed card for ICAI members : All eligible & active members of ICAI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

▶︎ Complimentary access to airport lounges in India – 3 per quarter

▶︎ Reduced fee of 2% on international credit card transactions

▶︎ Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

Drawbacks to consider
– You could get higher reward rates on other cards

Exclusively designed card for ICMAI members : All eligible & active members of ICMAI are eligible, subject to credit policy of BOB.

Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all other card spends
- You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter

Reduced fee of 2% on international credit card transactions

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India–
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter),
– Reduced fee of 2% on international card transactions.

Drawbacks to consider
– You could get higher reward rates on other cards.

6.50% earning on fuel (petrol, diesel and LPG) purchases
■ 4% cashback on HPCL fuel purchases
– You earn 16 reward points worth ₹4, on every ₹100 you spend at HPCL pumps
– This is valid only on HPCL fuel purchases of upto ₹6250 per month, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App
– You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend at HPCL fuel outlets through your HP Pay app.
– This benefit is restricted to monthly fuel purchases upto ₹5000 per month
– 1 Payback point = ₹0.25 or 25 paise.
■ 1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per month).

1.66% benefit on utilities, groceries & department store spends 
– You earn 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
– This is valid only on total monthly spends upto ₹15000 across these categories, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

0.33% benefit on all other card purchases 
– You earn 1.33 reward points worth ₹0.33 (33 paise), on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

Complimentary airport lounge access in India – 1 time per quarter

25% movie benefit at Paytm Movies, upto ₹200 per month 
– This offer can be availed 2 times per month.
– You need to do a transaction of minimum 2 tickets. You get a 25% discount, upto maximum ₹100 discount per transaction.
– Hence you get a 25% discount on a ticket purchase transaction up to ₹400. On purchases above ₹400, you will get a maximum discount of ₹100 and your discount percentage would be lower than 25%.

Benefits
– Attractive benefit of 6.50% on monthly fuel spends
– Low annual card spend target of ₹50,000 to get annual fee waiver
– Complementary domestic airport lounge access – once per calendar quarter (4 times per year)
– 25% discount on Paytm Movies, upto ₹200 per month

Drawbacks
– You are restricted to HPCL fuel pumps to get attractive fuel rewards

5% cashback on following Paytm spends - travel bookings (flights, train & bus) || movie tickets || shopping at Paytm Mall
- You earn ₹5 cashback, on every ₹100 you spend in these categories (no limit on cashback)

2% special cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% cashback on all other spends (non-Paytm spends) 
– You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback)
– Exception : No cashback is given on rent transactions, wallet loads and fuel purchases.

Cashback is credited as Paytm vouchers, in your Paytm Wallet

Upto 0.6% additional benefit at certain yearly spend targets (milestone benefits)
– You earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend
– You earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend
(You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons)

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 
– You get free Priority Pass membership for the first 2 years
– While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $32 per visit, please refer to Priority Pass website to get latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card, giving you peace of mind

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits :
– Good card for Paytm users – since you get upto 5% cashback on a variety of spends, plus milestone related benefits
– Airport lounge benefits

Drawbacks to consider :
– You need to consider other cards to earn higher rewards on non-Paytm purchases
– Not a good card for people who prefer in-store shopping, and do not like online shopping

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

Fuel surcharge waiver, upto ₹3500 every year
– You get 1% fuel surcharge waiver only on fuel transactions between ₹500 and ₹3000, and
– Only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

This card is exclusively for Indian Navy Personnel

3.75% cashback on travel spends, dining spends, online spends and international spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹16,666 per month, across these categories. Since you can earn a maximum number of 2500 special reward points at this accelerated rate, per monthly card billing cycle.

0.75% basic cashback on all other spends
– You earn 3 reward points worth ₹0.75 or 75 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.50 reward point worth 37 paise, on every ₹100 you spend.

Unlimited complimentary access to airport lounges in India

Reduced fee of 2% on international transactions

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Higher benefit of 3.75% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Unlimited complimentary access to airport lounges in India.
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store (face-to-face) shopping

Eligibility : This card is exclusively for Indian Navy Personnel

▶︎ 2.50% cashback on travel spends || dining spends || online spends || international spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 2000 special reward points at this accelerated rate, per monthly card billing cycle.

▶︎ 0.50% basic cashback on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

▶︎ Complimentary access to airport lounges in India – 3 times per quarter

▶︎ Reduced fee of 2.50% on international transactions
– You get reduced forex mark-up of 2.50% on international card spends (most cards in the industry charge 3.50%). You also get 2.50% benefit on international spends, as described earlier.

▶︎ Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Higher benefit of 2.50% on a variety of spends – travel spends, dining spends, online spends and international spends.
– Complimentary access to airport lounges in India – 3 times per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on in-store shopping

2.50% cashback on travel, dining & international transactions
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on travel, dining & international transactions. Since 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
– This is valid only on purchases upto ₹20,000 spends per month , in this category (since you can earn a maximum number of 2,000 special reward points in this category, per monthly card statement cycle)

0.50% basic cashback on all other spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases. Since 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
– Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward points worth 25 paise, on every ₹100 you spend.

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

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good benefit rate of 2.50% on travel & international spends, and also on dining spends
– You also get complimentary access to domestic airport lounges – once per quarter.
– Card is virtually free if you spend ₹1.20 lakhs each year on your card
– Easy rewards redemption process, you can redeem reward points as cashback

Drawbacks to consider
– Benefits on other important spending needs such as shopping, fuel, bill payments is low. Hence you may need to look at other credit cards for these needs.

6.50% earning on fuel purchases
✔︎ 4% cashback on all HPCL fuel purchases
– You earn ₹4 cashback, on every ₹100 you spend at HPCL pumps.
– This is valid only on HPCL fuel purchases upto ₹5,000 per month.
✔︎ 1.50% additional benefit on HPCL fuel purchase, only through HP Pay App
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app.
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called zillionrewards).
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel purchases upto ₹4000 per month, since the maximum waiver amount is restricted to ₹40 per month.

5% benefit on departmental store purchases || electricity/ mobile bill payments
– You earn 20 reward points worth ₹5, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
– This benefit is valid only on total purchases of upto ₹2000 per month in these categories, since you can earn a maximum of 400 accelerated reward points per month.

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

Complimentary airport lounge access in India – 1 per quarter 
– This is valid in a particular quarter only if you have spent a minimum of ₹5000 in the previous quarter.

25% discount (upto ₹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 upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹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%.

24/7 automobile assistance privileges – including assistance over the phone, “on-site” vehicle repair, locked or lost keys support, flat tyre support, battery jumpstart, battery replacement & fuel delivery.

Benefits
– Attractive benefit of 6.50% on HPCL fuel spends
– 5% benefit at departmental stores, electricity & mobile bills
– Complimentary lounge access at domestic airport lounges
– Movie ticket benefits of upto ₹400 per month
– 24/7 automobile assistance privileges

Drawbacks
– May not be suitable for high fuel spenders (monthly fuel expenses exceeding ₹5000)
– Low monthly spend limit to get 5% benefit on departmental store purchases, and on electricity & mobile bill payments.
– You will need to consider other cards to earn higher reward on non-fuel spends

3.75% cashback on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (1 reward point = ₹0.25, and can be redeemed for cashback)

0.75% basic benefit on all other card spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases (1 reward point = ₹0.25, and can be redeemed for cashback).
Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.5 reward points worth 37 paise, on every ₹100 you spend in these categories.

Upto 1.50% additional benefit, on achieving 2 card spend levels (milestone rewards)
– You earn 10,000 points worth ₹2500, at ₹50,000 card spend within 60 days of card issuance date
– You earn 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend
Hence you can earn a total of 30,000 bonus reward points worth ₹7500, at 5 lakhs yearly card spend - 1.50% benefit 
(1 reward point = ₹0.25, and can be redeemed for cashback)

Unlimited complimentary visits to airport lounges in India

Low fee of 2% on international spends 
- You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket (upto ₹250) once a month – at Paytm Movies
– You get ‘Buy One Get One Free’ movie offer (BOGO) at Paytm Movies. 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons
✓ Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)
✓ Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver, upto ₹250 per month : You get fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

Benefits
– Good cashback 3.75% on various categories – travel, online spending, dining & international spending.
– Opportunity to earn upto 1.50% more, if you spend ₹5 lakhs on your card in a year. Hence you have the opportunity to earn around 4-5% on a large part of your spending needs.
– Unlimited free airport lounge access in India
– Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons, as well as gym memberships
– Appealing benefits on international spending : You earn 3.75% cashback on international spending, at the same time you enjoy reduced fee of 2% on these spends.

Drawbacks to consider
– Complimentary access to international airport lounges is not available.
– Benefit rate for offline shopping (in-store shopping) is low

5% cashback on Flipkart : You earn ₹5 cashback, on every ₹100 you spend on Flipkart. No monthly limits on earning cashback at this special rate.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Cult Fit : You earn ₹4 cashback, on every ₹100 you spend at these select partners. No monthly limits on earning cashback at this special rate.

1.50% cashback on all other spends
- Exceptions: No cashback is given on fuel spends, purchase of gift cards on Flipkart & Myntra, all EMI transactions, wallet loading transactions, purchase of jewellery items , insurance services, utilities, educational services, government services, cash advances, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Complementary domestic airport lounge access – 4 times per year

1% fuel surcharge waiver, upto ₹400 per month  : You get fuel surcharge waiver at all fuel stations-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40,000 per month (since waiver amount is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

Benefits
– 5% cashback on Flipkart purchases
– 4% cashback rate at select partners – Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
– Complimentary airport lounge access at domestic airports – 4 per calendar year
– Welcome offers worth ₹600

Drawbacks
– High annual spend target (of ₹3.50 lakhs) to get renewal fee waiver

5% cashback on paying utility bills, DTH and mobile recharge (only on Google Pay app) || 4% cashback at Swiggy, Zomato and Ola
✓ Earn ₹5 as cashback, on every ₹100 you spend on-
– utility payments (electricity, water, gas, LPG and broadband)
– DTH
– mobile recharge
(only through the Google Pay app)
✓ Earn ₹4 as cashback, on every ₹100 you spend on –
– food delivery (Swiggy and Zomato)
– ridesharing (Ola)
✓ You can earn a maximum cashback of ₹500 per month in the above 5% & 4% cashback categories

2% cashback on all other card spends : You earn ₹2 as cashback, on every ₹100 you spend on all other card purchases.

Complimentary airport lounge access in India –  4 times per year

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

1% fuel surcharge waiver at all fuel stations, upto ₹500 per month 
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on total fuel purchases upto ₹50,000 per month, since the maximum waiver is restricted to ₹500 per month

Benefits
– 2% cashback on all purchases makes it a good choice for those who are looking for a good all round credit card (instead of managing multiple specialist cards to maximize benefits on various purchase categories)
– 5% cashback rate on a variety of bill payments through Google Pay App. (electricity, water, gas, LPG, broadband, DTH and mobile recharges)
– 4% cashback rate on specific food delivery & ridesharing purchases (Swiggy, Zomato and Ola).
– Complimentary lounge access at domestic airports – 4 per year.
– Dining program in partnership with EazyDiner

Drawbacks
– While 2% is a good cashback rate on all purchases, one can earn higher reward rates by getting multiple specialist cards which give higher reward rate on specific purchase categories like online purchases, travel, fuel etc.

25% cashback (upto ₹300 per month) on Airtel bills – via Airtel Thanks App
– 25% cashback on Mobile, Satellite TV (DTH), Internet & wifi (Broadband) bills from Bharti Airtel – only on payments upto ₹1200 per month (since maximum cashback amount is limited to ₹300 per month).

10% cashback (upto ₹300 per month) on water, electricity and gas bills – via Airtel Thanks App
– 10% cashback on your water, electricity and gas bills, only on payments upto ₹3000 per month (since maximum cashback amount is ₹300 per month).

10% cashback (upto ₹500 per month) on grocery purchases (BigBasket) and food orders (Swiggy, Zomato)
– 10% cashback on Swiggy, Zomato, and BigBasket purchases – only on total combined purchases of upto ₹5000 per month (since maximum cashback is ₹500 per month)

1% cashback on all other spends
Exceptions : No cashback is earned on fuel purchases, wallet load transactions, rent payments and property related payments, jewelry & related payments, insurance payments. Please read our full review for more details.

Complimentary access to airport lounges in India – 4 per year

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
– Good card for a variety of utility bill payments – mobile, satellite TV, internet & wifi, water, gas, electricity
– Attractive cashback on food ordering (Zomato & Swiggy) & grocery purchases (BigBasket)
– Free airport lounge access in India (4 per year)
– Attractive dining program, and other exclusive benefits from Axis Bank available through Axis Grabdeals platform

Drawbacks-
– May need to look at other credit cards to get high rewards on other major spends like travel, shopping etc. 

▶︎ Exclusively designed card for ICSI members : All eligible & active members of ICSI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

▶︎ Complimentary access to airport lounges in India – 3 per quarter

▶︎ Reduced fee of 2% on international credit card transactions

▶︎ Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

Drawbacks to consider
– You could get higher rewards on other cards