Cashback Credit Cards with Department Store Offers in India 2026

Lifetime free card

3%-5% cashback on Amazon India
– Amazon Prime members : You earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback
– Non-Prime members : You earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on earning this special cashback
Exceptions-
– No casback is given on the following spends on Amazon India – physical and digital gold, all types of EMI transactions, Amazon Business transactions.
– 2% cashback is given on the following spends on Amazon India – Amazon gift card purchases, and e-book purchases.

2% cashback on 100+ Amazon Pay partners, by paying through your Amazon Pay Wallet : You earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants. Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc.

1% cashback on all other spends : You earn ₹1 on every ₹100 you spend on all other card purchases.

1% fuel surcharge waiver : You get fuel surcharge waiver at all fuel stations, on fuel transactions upto ₹4,000.

Welcome benefits (limited time offer) through Amazon account
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

Benefits
– Good reward rate on Amazon India – 5% unlimited cashback for Prime members, 3% unlimited cashback for non-Prime members.
– 2% unlimited cashback on over 100+ Amazon Pay Partners .
– Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the industry which have monthly restrictions on earning high rewards.

Drawbacks
– Cashback rate is low for non-regular Amazon users, and for those who prefer in-store shopping.
– No lifestyle benefits such as complimentary airport lounge access.
– 5% cashback is restricted to Prime members only

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

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.

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 all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

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

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

1.25% cashback on department store purchases || movie spends 
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on combined total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card statement cycle.
– 1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all card other spends 
– You earn 1 reward points worth ₹0.25 or 25 paise, 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 0.5 reward point worth 12 paise, on every ₹100 you spend.

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 billing cycle

Benefits
– Annual fee is waived, at ₹35,000 yearly card spend
– 1.25% cashback on department store purchases and movie spends.
– Easy reward points redemption process, you can redeem your reward points for cashback.

Drawbacks to consider
– Overall reward rates are comparatively low.

3.3% cashback at 5 partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy, on total purchases upto ₹18750 per month
– You earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners – only on purchases upto ₹18,750 per month
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67, on every ₹100 you spend on EMI transactions at the time of purchase
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends
– You get 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

Upto 1% additional milestone benefits : You get gift vouchers worth ₹500, at ₹50,000 quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
– Low yearly card spend target of ₹50,000, to get annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider
– 3.3% cashback is restricted to certain merchants

Lifetime free card, exclusively for Indian Defence Personnel
– There is no annual fee charged on the card, the card is lifetime free.
– Welcome offer : You get a complimentary 3 month Disney Hotstar subscription, on card activation.

1.25% cashback on department store purchases, grocery purchases and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– Only on combined total purchases upto ₹20,000 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.
– 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, 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 0.5 reward point worth 12 paise, on every ₹100 you spend.

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– On fuel transactions between ₹400 and ₹5,000 only AND
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

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

Zero liability on lost card : In case you lose your credit card, you need to report loss of card immediately to ensure zero liability on any fraudulent transactions.

Benefits
– Lifetime free card, there is no annual fee
– Higher cashback of 1.25% on department store & grocery purchases, and also on movie spends

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

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.

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 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.

3% cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
- You earn ₹3 cashback, on every ₹100 you spend in these categories
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

2% cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

1% cashback benefit on all other card spends (non-Paytm spends)
– You earn ₹1 cashback, on every ₹100 you spend on all other card transactions (no limit on cashback)
– Cashback is credited as Paytm vouchers, in your Paytm Wallet
– Exception : No cashback is given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month, since the maximum waiver is restricted to ₹100 per monthly card statement cycle

Benefits :
– Good card for Paytm users, you get upto 3% cashback on a variety of spends

Drawbacks to consider :
– Cashback on non-Paytm purchases is quite low (1%), hence you will need to consider other cards to earn rewards on non-Paytm spends
– Not a good card for people who prefer in-store (face to face) shopping, and do not like online shopping

No annual fee from 2nd year onwards

You need to choose any one, amongst the 4 rewards plans given below :
1. Shop Plan : 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan : 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan : 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan : 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% vashback on movie tickets || 0.20% cashback on all other card spends
(1 reward point =₹0.40 as cashback.You can also convert your reward points to Vistara Points and InterMiles at a slightly better rate, 1 reward point = 0.50 Club Vistara Point / 1 InterMile).

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

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.

Travel related insurance (Travel Plus Program), applicable on international travel
– Lost baggage upto ₹1 lakh
– Delayed baggage upto ₹25,000
– Loss of passport upto ₹50,000
– Lost ticket upto ₹25,000
– Missed connection upto ₹25,000

Benefits
– No annual fee from the 2nd year onwards
– Flexible rewards plan : You can choose any one out of the 4 plans available, and can earn upto 2% on the category of your choice, which is a good reward rate for a card which is free from the 2nd year onwards.

Drawbacks
– You would need to consider other cards, to earn rewards on other spends (other than the category you choose)

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

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