{"meta":{"snapshot":"12 Oct 2026","issuers":40,"cards_outstanding":124053544,"rbi_month":"August 2026","rbi_source":"https://rbi.org.in/SCRIPTs/ATMView.aspx?atmid=186","verification":"Three independent passes. 11 Oct 2026: 30 random cards, 240 fields: 198 confirmed, 8 flagged wrong, 5 unverifiable, 29 blank in both. 12 Oct 2026, cards re-read from bank pages: 34 cards, 272 fields: 205 confirmed, 2 wrong, 30 not stated on the page, 35 blank in both.","gaps":"Known gaps: for HDFC, Axis, IndusInd, SBI Card and Yes Bank, the banks' own product pages were read on 12 Oct 2026, but those pages often omit forex markup, transfer partners, some caps and point values; such fields still rest on the fee schedule or on aggregators and are flagged. Bank pages sometimes contradict the bank's own fee schedule; conflicts are recorded in each card's notes.","name":"India Card Catalog: every Indian credit card","url":"https://m16s.in/data/","license":"CC BY 4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","attribution":"India Card Catalog, m16s.in","updated":"2026-11-07","cards":743},"cards":[{"issuer":"American Express","card_name":"Platinum Card (Platinum Charge)","cobrand_partner":null,"networks":["Amex"],"segment":"super-premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":66000,"annual_fee":66000,"fee_waiver_spend":null,"fee_notes":"Rs 66,000 + GST in year 1 and every year after. Charge card, no published spend waiver (MITC: reductions or waivers only at Amex's discretion). Up to 4 supplementary cards free, Rs 10,000 each after that.","welcome_benefit":"Welcome gift worth up to Rs 60,000 (choice of Taj Hotels, Luxe Gift Card or The Postcard Hotels & Resorts) after paying the annual fee and Rs 50,000 net spend in the first 2 months; delivered in 6-8 weeks.","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 40","base_return_pct":1.25,"accelerated_earn":"3X MR on overseas / foreign-currency spend; 5 MR per Rs 40 on ShopWise e-vouchers (200+ brands); up to 20X at 20+ luxury brands via Rewards Xcelerator (still on issuer page; an aggregator says the wider Reward Multiplier links closed 30 Sep 2026)","reward_caps":"ShopWise bonus MR capped at 25,000 per month; Amazon Pay gift cards / Amazon shopping vouchers on ShopWise limited to Rs 20,000 per calendar month per card account. Fuel bonus (per benefit-page T&C) capped at 5,000 bonus points per month.","reward_exclusions":"Insurance, utilities (electricity, water, gas). Fuel: benefit page says 5 MR per Rs 100 on fuel (1 base + 4 bonus per its T&C) while the headline says base rate excludes fuel; treat fuel earn as unverified. No points for a billing cycle in which full payment is not received by the due date (charge MITC).","point_value":"Issuer benefit page: Taj Experiences gift card Rs 10,000 for 20,000 MR = Rs 0.50 per MR. Aggregator estimates: statement credit about Rs 0.25-0.30; airline transfers about Rs 0.50; Marriott about Rs 0.60.","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 1 MR per Rs 40 x Rs 0.50 (Taj gift card rate on issuer benefit page) = 1.25%. Overseas 3X = 3.75% before the 3.5% forex markup. ShopWise charges a 1.5% + GST convenience fee on Amazon vouchers. From 15 Nov 2026 (aggregator report) points are held per card and cannot be pooled across Amex cards; earning and redemption stop while an amount is overdue.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; Asia Miles, British Airways, Qatar, KrisFlyer 2 MR : 1 mile. Emirates Skywards suspended since 28 May 2025; Etihad Guest dropped 1 Jul 2026 (all from enthusiast pages dated Aug-Sep 2026; Amex's own transfer page is behind login).","lounge_domestic":"Complimentary via Global Lounge Collection domestic partner lounges in India; no visit cap stated on the issuer page","lounge_international":"Complimentary via Global Lounge Collection: Centurion Lounges, Priority Pass (international only), Delta Sky Club when flying Delta, Escape Lounges; 1,550+ lounges","lounge_conditions":"Guest and supplementary rules are not stated on the product or benefit page. Mumbai Centurion Lounge closed 1 Jul 2026 (aggregator); issuer says Delhi/Mumbai Centurion access for Platinum Reserve ended 1 Sep 2023.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"Renewal benefit: vouchers up to Rs 35,000 on Rs 20 lakh spend in the membership year plus payment of the renewal fee.","other_freebies":"Elite tiers: Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium, Taj Epicure, Accor Plus, Postcard Sunshine Club Platinum, Hertz Gold Plus. Fine Hotels & Resorts and The Hotel Collection. 25% off Taj/SeleQtions/Vivanta, 50% off suites at Oberoi. Golf at 30+ Indian and 50+ international courses, unlimited for primary and supplementary. EazyDiner Prime. 24x7 concierge. Air accident cover Rs 5 crore, overseas medical US$50,000 (first 7 days of a trip, age limit 60, US$100 deductible), purchase protection 90 days.","interest_rate_monthly_pct":null,"late_payment_fee":"Delinquency fee 5% of unpaid balance, minimum Rs 300, charged each month until paid","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+. Salaried income Rs 25 lakh+ a year, self-employed Rs 15 lakh+ with 12+ months trading. Resident Indian in a serviced city (Delhi NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad and about 20 others).","source_product_page":"https://www.americanexpress.com/in/charge-cards/platinum-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/charge-english-mitc.pdf","source_other":["https://www.americanexpress.com/in/benefits/the-platinum-card/","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf","https://magnify.club/guides/amex-india-transfer-partners/","https://cardadvisor.in/articles/amex-membership-rewards-guide-2026","https://livefromalounge.com/american-express-membership-rewards-india-changes-coming-october-11-2026","https://cardadvisor.in/changes/2026-W31"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","reward_exclusions","accelerated_earn","lounge_conditions","point_value"],"date_read":"2026-10-11","notes":"Amex's India site says it is temporarily pausing new card applications while it updates its card-issuing platform, so status is closed-to-new as read on 11 Oct 2026; it is a pause, not a withdrawal. Charge card: full balance due each month, no pre-set limit, no interest. Site notice: hotel/flight bookings and Lifestyle Services unavailable around 9-15 Nov 2026. Aggregator reports: new supplementary card applications paused from 27 Oct 2026.","id":1,"depth":"full","slug":"amex-platinum-card-platinum-charge","url":"https://m16s.in/cards/amex-platinum-card-platinum-charge/"},{"issuer":"American Express","card_name":"Platinum Reserve Credit Card","cobrand_partner":null,"networks":["Amex"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":1000000,"fee_notes":"Rs 10,000 + GST first year and renewal (Option 2). Renewal fee waived 100% on Rs 10 lakh eligible spend in the preceding membership year. A legacy Option 1 exists: Rs 50,000 lifetime foundation fee plus Rs 10,000 annual maintenance fee, waived above Rs 1.9 lakh spend. Up to 4 supplementary cards free, Rs 1,500 each after.","welcome_benefit":"11,000 bonus MR points on paying the annual fee and spending Rs 30,000 within 90 days (first year only)","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50","base_return_pct":0.5,"accelerated_earn":"5 MR per Rs 50 on ShopWise e-vouchers (per ShopWise T&C; benefit page says 3X); 5X at RewardXcelerator brands (aggregator says Reward Multiplier links closed 30 Sep 2026)","reward_caps":"No cap on base earn. ShopWise bonus MR capped at 25,000 per month; Amazon vouchers limited to Rs 20,000 per month per account.","reward_exclusions":"Fuel (petrol, diesel, CNG from oil marketing companies), insurance, utilities (electricity, gas, water), cash transactions, EMI conversion at point of sale","point_value":"No card-specific collection published. Aggregator estimates: statement credit about Rs 0.25-0.30 per MR; airline transfers about Rs 0.50; Marriott about Rs 0.60.","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 1 MR per Rs 50 x Rs 0.25 (aggregator floor value for statement credit) = 0.5%; about 1% if points are moved to airline partners at the aggregator's Rs 0.50. The Rs 1,000 monthly voucher on Rs 50,000 monthly spend adds up to 2% on exactly that spend.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; Asia Miles, British Airways, Qatar, KrisFlyer 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026)","lounge_domestic":"12 per year, max 3 per quarter, at listed domestic lounges","lounge_international":"2 per calendar year via complimentary Priority Pass (US$99 membership fee waived); further visits US$35 per person","lounge_conditions":"Priority Pass needs enrolment; free international visits are for the basic cardmember only. Centurion Lounge access in Delhi and Mumbai ended 1 Sep 2023.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"Rs 1,000 voucher for each calendar month with Rs 50,000 spend, up to Rs 12,000 a year (enrolment required). Golf: up to 2 complimentary rounds a month at 32+ Indian courses, unlocked by Rs 50,000 spend two months earlier.","other_freebies":"ALL Accor+ Explorer, Taj Epicure Plus, EazyDiner Prime memberships. Air accident cover Rs 1 crore, purchase protection 60 days, concierge.","interest_rate_monthly_pct":3.5,"late_payment_fee":"30% of minimum amount due, min Rs 500, max Rs 1,000","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+, personal annual income Rs 6 lakh+ (salaried or self-employed; self-employed 12+ months trading), resident in a serviced city","source_product_page":"https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/Lending_MITC_English.pdf","source_other":["https://www.americanexpress.com/in/benefits/platinum-reserve-card/index.html","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf","https://magnify.club/guides/amex-india-transfer-partners/","https://cardadvisor.in/articles/amex-membership-rewards-guide-2026"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","point_value","base_return_pct","accelerated_earn"],"date_read":"2026-10-11","notes":"New applications temporarily paused per Amex India site (read 11 Oct 2026). Default interest rate 3.99% a month after missed minimum payments. Golf and monthly voucher both hinge on Rs 50,000 a month of spend.","id":2,"depth":"full","slug":"amex-platinum-reserve-credit-card","url":"https://m16s.in/cards/amex-platinum-reserve-credit-card/"},{"issuer":"American Express","card_name":"Platinum Travel Credit Card","cobrand_partner":null,"networks":["Amex"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"Rs 5,000 + GST first year and renewal; no published spend waiver. Up to 2 supplementary cards free, Rs 1,500 each after.","welcome_benefit":"10,000 MR points on paying the annual fee and spending Rs 15,000 within 90 days (first year only)","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50","base_return_pct":0.8,"accelerated_earn":"Up to 3 MR per Rs 50 on ShopWise e-vouchers (200+ brands)","reward_caps":"ShopWise bonus MR capped at 25,000 per month; Amazon vouchers limited to Rs 20,000 per month per account","reward_exclusions":"Fuel, insurance, utilities (electricity, water, gas), cash transactions, EMI conversion at point of sale","point_value":"Platinum Travel Collection: Taj voucher Rs 5,000 for 12,500 MR or Rs 10,000 for 25,000 MR (Rs 0.40); Postcard Hotels Rs 10,000 for 20,000 MR (Rs 0.50); Air India Rs 6,000 for 20,000 MR (Rs 0.30)","points_expiry":"No expiry while the card is active and in good standing; forfeited within 30 days of cancellation","reward_notes":"base_return_pct = 1 MR per Rs 50 x Rs 0.40 (Taj voucher in Platinum Travel Collection) = 0.8%. With milestones: Rs 4 lakh spend earns 8,000 base + 10,000 bonus MR, about 1.8% at Rs 0.40; Rs 7 lakh spend adds a Rs 20,000 Taj voucher. Milestones were cut twice in 2026 (9 Mar and 10 Sep per aggregator); the old Rs 1.9 lakh tier no longer pays.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; Asia Miles, British Airways, Qatar, KrisFlyer 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026)","lounge_domestic":"2 per calendar quarter at listed domestic lounges, spend-gated from 1 Oct 2026","lounge_international":"Priority Pass membership free (US$99 fee waived) but every visit is charged at the prevailing rate","lounge_conditions":"From 1 Oct 2026 domestic visits need eligible spend in the preceding quarter: Rs 70,000 in Q3 2026 for Q4 2026 visits; Rs 1 lakh per quarter from Q4 2026 for visits from Q1 2027.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"Rs 4 lakh spend in a membership year: 10,000 bonus MR. Rs 7 lakh spend: Taj / SeleQtions / Vivanta voucher worth Rs 20,000.","other_freebies":"Up to 20% off dining at select restaurants; zero lost card liability if reported within 3 working days","interest_rate_monthly_pct":3.5,"late_payment_fee":"30% of minimum amount due, min Rs 500, max Rs 1,000","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+, personal annual income Rs 6 lakh+ (salaried or self-employed; self-employed 12+ months trading), resident in a serviced city","source_product_page":"https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/Lending_MITC_English.pdf","source_other":["https://www.americanexpress.com/in/benefits/platinum-travel-credit-card/","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://cardadvisor.in/changes/2026-W31","https://magnify.club/guides/amex-india-transfer-partners/","https://cardadvisor.in/articles/amex-membership-rewards-guide-2026"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-11","notes":"New applications temporarily paused per Amex India site (read 11 Oct 2026). Eligible spend for milestones excludes cash advances, express cash, drafts, balance transfers and fees. Milestone eligibility moves to posting date and month-end crediting from 15 Nov 2026 (aggregator).","id":3,"depth":"full","slug":"amex-platinum-travel-credit-card","url":"https://m16s.in/cards/amex-platinum-travel-credit-card/"},{"issuer":"American Express","card_name":"Gold Card (Gold Charge)","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":4500,"fee_waiver_spend":null,"fee_notes":"Rs 1,000 + GST first year, Rs 4,500 + GST from year 2. No published spend waiver. Up to 2 supplementary cards free, Rs 1,500 each after.","welcome_benefit":"4,000 bonus MR points on paying the annual fee and spending Rs 10,000 within 90 days (first year only)","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50, including utilities","base_return_pct":1.17,"accelerated_earn":"5X MR on ShopWise e-vouchers (ShopWise T&C lists Gold at 5 MR per Rs 40, which conflicts with the Rs 50 base; unverified). 1,000 bonus MR for 6 transactions of Rs 1,000+ in a calendar month.","reward_caps":"Utilities (electricity, water, gas) capped at 10,000 MR per calendar month. ShopWise bonus MR capped at 25,000 per month.","reward_exclusions":"Fuel from oil marketing companies (no points since 12 Jun 2025), insurance, cash withdrawals","point_value":"Gold Collection: 24,000 MR = Taj voucher Rs 14,000 (Rs 0.583) or Amazon/Flipkart/Reliance Digital Rs 8,000 (Rs 0.33); 18,000 MR = Taj Rs 9,000 (Rs 0.50) or Amazon/Flipkart Rs 6,000","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 1 MR per Rs 50 x Rs 0.583 (24 Karat Taj voucher) = 1.17%; 0.67% if redeemed for Amazon at the 24K tier. Six Rs 1,000 transactions a month earn 120 base + 1,000 bonus MR. First-year renewal: 5,000 MR on paying the renewal fee.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; Asia Miles, British Airways, Qatar, KrisFlyer 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"1,000 bonus MR per calendar month for 6 transactions of Rs 1,000 each; 5,000 MR on first-year renewal","other_freebies":"Up to 20% off dining at select partners","interest_rate_monthly_pct":null,"late_payment_fee":"Delinquency fee 5% of unpaid balance, minimum Rs 300","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+, personal annual income Rs 6 lakh+, self-employed 12+ months trading, resident in a serviced city","source_product_page":"https://www.americanexpress.com/in/charge-cards/gold-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/charge-english-mitc.pdf","source_other":["https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf","https://magnify.club/guides/amex-india-transfer-partners/","https://cardadvisor.in/articles/amex-membership-rewards-guide-2026"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","accelerated_earn","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"New applications temporarily paused per Amex India site (read 11 Oct 2026). Charge card: no pre-set limit, full payment due monthly, no interest; points are forfeited for any cycle not paid in full by the due date.","id":4,"depth":"full","slug":"amex-gold-card-gold-charge","url":"https://m16s.in/cards/amex-gold-card-gold-charge/"},{"issuer":"American Express","card_name":"Membership Rewards Credit Card (MRCC)","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":4500,"fee_waiver_spend":150000,"fee_notes":"Rs 1,000 + GST first year, Rs 4,500 + GST renewal. Renewal waived 100% at Rs 1.5 lakh spend in the prior membership year; 50% at Rs 90,000-1,49,999 (aggregator reports the 50% tier is removed from 15 Nov 2026). Up to 2 supplementary cards free.","welcome_benefit":"4,000 bonus MR points on paying the joining fee and spending Rs 15,000 within 90 days","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50","base_return_pct":1.17,"accelerated_earn":"1,000 bonus MR for 4 transactions of Rs 1,500+ in a calendar month; another 1,000 bonus MR for Rs 20,000+ spend in a calendar month (enrolment needed); 5 MR per Rs 50 on ShopWise e-vouchers (ShopWise T&C, mapping uncertain)","reward_caps":"Monthly bonuses are fixed at 1,000 + 1,000 MR. ShopWise bonus MR capped at 25,000 per month.","reward_exclusions":"Fuel, insurance, utilities (electricity, water, gas), cash transactions, EMI conversion at point of sale","point_value":"Gold Collection: 24,000 MR = Taj voucher Rs 14,000 (Rs 0.583) or Amazon/Flipkart/Reliance Digital Rs 8,000 (Rs 0.33); 18,000 MR = Taj Rs 9,000 or Amazon/Flipkart Rs 6,000","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 1 MR per Rs 50 x Rs 0.583 (24 Karat Taj voucher) = 1.17%. Spending exactly Rs 20,000 a month across 4+ transactions of Rs 1,500 earns 400 base + 2,000 bonus MR, about 7% at the Taj rate or 4% at the Amazon rate. 5,000 MR on first-year renewal when the fee is paid.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; Asia Miles, British Airways, Qatar, KrisFlyer 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"Monthly: 1,000 MR for 4 transactions of Rs 1,500+; 1,000 MR for Rs 20,000 monthly spend","other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"30% of minimum amount due, min Rs 500, max Rs 1,000","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+. Salaried Rs 4.5 lakh+ a year; self-employed Rs 6 lakh+ with 12+ months trading. Resident in a serviced city.","source_product_page":"https://www.americanexpress.com/in/credit-cards/membership-rewards-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/Lending_MITC_English.pdf","source_other":["https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf","https://livefromalounge.com/american-express-membership-rewards-india-changes-coming-october-11-2026","https://magnify.club/guides/amex-india-transfer-partners/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","accelerated_earn","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"New applications temporarily paused per Amex India site (read 11 Oct 2026). From 15 Nov 2026 (aggregator report, postponed from 11 Oct): 50% fee-waiver tier removed, bonus points credited at month end on posting date, no pooling of points across Amex cards, no earning or redemption while overdue.","id":5,"depth":"full","slug":"amex-membership-rewards-credit-card-mrcc","url":"https://m16s.in/cards/amex-membership-rewards-credit-card-mrcc/"},{"issuer":"American Express","card_name":"SmartEarn Credit Card","cobrand_partner":null,"networks":["Amex"],"segment":"entry","card_type":["rewards","shopping"],"status":"closed-to-new","joining_fee":495,"annual_fee":495,"fee_waiver_spend":40000,"fee_notes":"Rs 495 + GST each year; renewal waived on Rs 40,000 eligible spend in the previous membership year. 1 supplementary card free, Rs 250 each after.","welcome_benefit":"Rs 500 cashback as statement credit on Rs 10,000 eligible spend within 90 days (first year, after paying the fee)","reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50","base_return_pct":0.5,"accelerated_earn":"10 MR per Rs 50 at Flipkart, Uber, BookMyShow, Zomato, EaseMyTrip, Ajio, Nykaa and other listed partners; 5 MR per Rs 50 at Amazon","reward_caps":"Bonus points per month per card account: 500 for Flipkart/Uber/BookMyShow/other partners combined; 500 for EaseMyTrip + Zomato combined; 250 for Amazon. Maximum 1,250 bonus points a month.","reward_exclusions":"Fuel, insurance, utilities (electricity, water, gas), cash transactions, EMI chosen at a merchant site or terminal","point_value":"Not published for this card. Aggregator estimate for statement credit about Rs 0.25 per MR.","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 1 MR per Rs 50 x Rs 0.25 (aggregator statement-credit estimate) = 0.5%. The 10X caps are reached at roughly Rs 2,800 of spend per bucket a month, so accelerated value tops out at about 1,250 bonus MR a month.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; airlines 2 MR : 1 mile (enthusiast pages; not confirmed that SmartEarn points have full transfer access)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL: 0% convenience fee below Rs 5,000, 1% at Rs 5,000 and above. BPCL/IOCL 1% (min Rs 10). Other oil companies 2.5% (min Rs 10).","milestone_benefits":"Rs 500 voucher each at Rs 1.2 lakh, Rs 1.8 lakh and Rs 2.4 lakh spend in a membership year","other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"30% of minimum amount due, min Rs 500, max Rs 1,000","cash_advance_fee":"3.5% min Rs 250 (cash withdrawal temporarily suspended in India)","eligibility":"Age 18+. Salaried Rs 4.5 lakh+ a year; self-employed Rs 6 lakh+ with 12+ months trading. Resident in a serviced city.","source_product_page":"https://www.americanexpress.com/in/credit-cards/smart-earn-credit-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/Lending_MITC_English.pdf","source_other":["https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf","https://cardadvisor.in/articles/amex-membership-rewards-guide-2026","https://magnify.club/guides/amex-india-transfer-partners/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","point_value","base_return_pct","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"New applications temporarily paused per Amex India site (read 11 Oct 2026). Partner merchant list can change; Amex publishes it at https://www.americanexpress.com/content/dam/amex/in/legal/cmu/merchantlist.pdf (not read).","id":6,"depth":"full","slug":"amex-smartearn-credit-card","url":"https://m16s.in/cards/amex-smartearn-credit-card/"},{"issuer":"American Express","card_name":"Centurion Card","cobrand_partner":null,"networks":["Amex"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":700000,"annual_fee":275000,"fee_waiver_spend":null,"fee_notes":"Rs 7,00,000 + GST joining and Rs 2,75,000 + GST annual, per two aggregators. Not on any public Amex India page.","welcome_benefit":null,"reward_currency":"Membership Rewards points","base_earn":"6 MR per Rs 200 (cardinsider); cardadvisor states 2 MR per Rs 100","base_return_pct":1.5,"accelerated_earn":"60 MR per Rs 200 on ShopWise e-vouchers (Amex ShopWise T&C). Fuel: 4 extra MR per Rs 200 (cardinsider).","reward_caps":"Fuel bonus capped at 10,000 extra points per calendar month (cardinsider). ShopWise bonus MR capped at 25,000 per month.","reward_exclusions":"Conflicting: cardinsider says fuel, insurance and utilities earn; cardadvisor says they earn nothing","point_value":"No issuer value published. Aggregator range Rs 0.25 (statement credit) to Rs 0.80 (Virgin Atlantic transfer).","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 3 MR per Rs 100 x Rs 0.50 (Taj gift card rate shown on Amex Platinum benefit page, assumed to apply) = 1.5%. Treat as indicative only.","transfer_partners":["Marriott Bonvoy","Hilton Honors","Virgin Atlantic Flying Club","Cathay Pacific Asia Miles","British Airways Executive Club (Avios)","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer"],"transfer_ratio":"Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; airlines 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026)","lounge_domestic":"Unlimited (aggregator)","lounge_international":"Unlimited via Global Lounge Collection incl. Centurion Lounges and Priority Pass (aggregator)","lounge_conditions":"Guest rules not found","forex_markup_pct":3.5,"fuel_surcharge_waiver":"0% convenience fee at HPCL (aggregator)","milestone_benefits":null,"other_freebies":"Dedicated relationship manager and concierge; Hilton Honors elite, Marriott Bonvoy Gold Elite, Radisson Rewards Premium, Hertz Gold Plus; Fine Hotels & Resorts; golf at 30+ Indian and 50+ international courses; EazyDiner Prime; travel and accident insurance (all aggregator)","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":"3.5% min Rs 250 (aggregator)","eligibility":"By invitation only. No published criteria; aggregators report it goes to long-tenured Platinum Charge holders with very high spend.","source_product_page":null,"source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf","source_other":["https://cardinsider.com/american-express/american-express-centurion-card/","https://cardadvisor.in/cards/amex-centurion"],"source_quality":"aggregator","unverified_fields":["joining_fee","annual_fee","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","forex_markup_pct","fuel_surcharge_waiver","other_freebies","cash_advance_fee","eligibility"],"date_read":"2026-10-11","notes":"Charge card with no public Amex India product page. The only issuer document that names it is the ShopWise T&C. The two aggregators disagree on base earn and on fuel/insurance/utility earning.","id":7,"depth":"full","slug":"amex-centurion-card","url":"https://m16s.in/cards/amex-centurion-card/"},{"issuer":"American Express","card_name":"Platinum Corporate Card","cobrand_partner":null,"networks":["Amex"],"segment":"super-premium","card_type":["business","travel","rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":40000,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual fee Rs 40,000 + GST per the Corporate Key Fact Statement; the fee schedule says corporate fees may vary from company to company.","welcome_benefit":null,"reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 40 on business spend","base_return_pct":null,"accelerated_earn":null,"reward_caps":"Utilities capped at 1,000 points per month","reward_exclusions":"Fuel earns nothing. Telecom, wholesale and insurance earn a reduced 1 MR per Rs 100.","point_value":null,"points_expiry":"No expiry","reward_notes":"Membership Rewards enrolment depends on the company's participation; enrolment fee nil. Point value for corporate MR not found, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"30+ domestic partner lounges in India","lounge_international":"1,400+ lounges incl. Centurion, Escape, Lufthansa, Delta Sky Club; top-tier Priority Pass membership","lounge_conditions":"Visit caps and guest rules not stated on the product page","forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL 0% below Rs 5,000, 1% at Rs 5,000+; other public-sector stations 1% (min Rs 10); private stations 2.5% (min Rs 10)","milestone_benefits":"Rs 10,000 voucher on Rs 30 lakh yearly spend; Rs 15,000 MakeMyTrip voucher on Rs 2 lakh of international flights/hotels via MMT Biz in a single day","other_freebies":"Marriott Bonvoy Gold Elite, Taj Epicure Plus, Fine Hotels + Resorts; air accident cover Rs 5 crore, overseas medical US$50,000; Global Assist","interest_rate_monthly_pct":null,"late_payment_fee":"Default charge 3.5% of outstanding balance, min Rs 100, when full payment is more than 3 days late","cash_advance_fee":"3.5% of amount withdrawn","eligibility":"Issued through a company's corporate card programme; criteria not published. Amex India says it is temporarily pausing new Corporate / legal entity applications.","source_product_page":"https://www.americanexpress.com/en-in/business/corporate-card-platinum/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/key-fact-statement.pdf","source_other":["https://www.americanexpress.com/en-in/business/payments/","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf"],"source_quality":"primary","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-11","notes":"Corporate charge card with up to 51 interest-free days and no interest. Not an SME self-apply product: the page routes to a callback form and does not say whether small firms qualify. Whether corporate MR points can go to airline partners was not found.","id":8,"depth":"partial","slug":"amex-platinum-corporate-card","url":"https://m16s.in/cards/amex-platinum-corporate-card/"},{"issuer":"American Express","card_name":"Gold Corporate Card","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["business","travel","rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":3100,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual fee Rs 3,100 + GST per the Corporate Key Fact Statement; may vary by company.","welcome_benefit":null,"reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50 on business spend","base_return_pct":null,"accelerated_earn":null,"reward_caps":"Utility, telecom, wholesale and insurance spend earns 1 MR per Rs 100, capped at 1,000 points per month","reward_exclusions":"Fuel","point_value":null,"points_expiry":null,"reward_notes":"Enrolment depends on the company's participation in Membership Rewards. Point value not found, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Discounted access to 25+ lounges in Ahmedabad, Delhi, Bengaluru, Mumbai, Chennai, Kolkata, Kochi, Hyderabad","lounge_international":"Priority Pass: 2 complimentary visits a year; further visits at retail rate","lounge_conditions":"Domestic access is discounted, not free","forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL 0% below Rs 5,000, 1% at Rs 5,000+; other public-sector stations 1% (min Rs 10); private stations 2.5% (min Rs 10)","milestone_benefits":null,"other_freebies":"Personal accident and licensed transport accident cover up to Rs 75 lakh on trips paid with the card; Global Assist hotline","interest_rate_monthly_pct":null,"late_payment_fee":"Default charge 3.5% of outstanding balance, min Rs 100","cash_advance_fee":"3.5% of amount withdrawn","eligibility":"Issued through a company's corporate card programme; criteria not published. New corporate applications temporarily paused.","source_product_page":"https://www.americanexpress.com/en-in/business/corporate-card/gold-corporate-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/key-fact-statement.pdf","source_other":["https://www.americanexpress.com/en-in/business/payments/","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf"],"source_quality":"primary","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-11","notes":"Corporate charge card, no interest. Sole, individual, limited and joint liability variants exist per the legal declarations Amex publishes.","id":9,"depth":"partial","slug":"amex-gold-corporate-card","url":"https://m16s.in/cards/amex-gold-corporate-card/"},{"issuer":"American Express","card_name":"Green Corporate Card","cobrand_partner":null,"networks":["Amex"],"segment":"entry","card_type":["business","rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":2100,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual fee Rs 2,100 + GST per the Corporate Key Fact Statement; may vary by company.","welcome_benefit":null,"reward_currency":"Membership Rewards points","base_earn":"1 MR per Rs 50","base_return_pct":null,"accelerated_earn":null,"reward_caps":"Telecom, insurance, wholesale and utility spend earns 1 MR per Rs 100, capped at 1,000 points per month","reward_exclusions":"Fuel","point_value":null,"points_expiry":"No expiry","reward_notes":"No enrolment fee and no redemption charges per the product page. Point value not found, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None listed","lounge_international":"None listed","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL 0% below Rs 5,000, 1% at Rs 5,000+; other public-sector stations 1% (min Rs 10); private stations 2.5% (min Rs 10)","milestone_benefits":null,"other_freebies":"Personal accident and licensed transport accident cover up to Rs 30 lakh on trips paid with the card; Global Assist hotline; expense reporting tools","interest_rate_monthly_pct":null,"late_payment_fee":"Default charge 3.5% of outstanding balance, min Rs 100","cash_advance_fee":"3.5% of amount withdrawn","eligibility":"Issued through a company's corporate card programme; criteria not published. New corporate applications temporarily paused.","source_product_page":"https://www.americanexpress.com/en-in/business/corporate-card/green-corporate-card/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/key-fact-statement.pdf","source_other":["https://www.americanexpress.com/en-in/business/payments/","https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf"],"source_quality":"primary","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-11","notes":"Corporate charge card, no interest.","id":10,"depth":"partial","slug":"amex-green-corporate-card","url":"https://m16s.in/cards/amex-green-corporate-card/"},{"issuer":"American Express","card_name":"Corporate Purchasing Card","cobrand_partner":null,"networks":["Amex"],"segment":"entry","card_type":["business"],"status":"closed-to-new","joining_fee":0,"annual_fee":2100,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual fee Rs 2,100 + GST per the Corporate Key Fact Statement. The related Business Travel Account (a central billing account, not a card) has nil annual fee.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Reward terms for this product were not found.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"HPCL 0% below Rs 5,000, 1% at Rs 5,000+; other public-sector stations 1% (min Rs 10); private stations 2.5% (min Rs 10)","milestone_benefits":null,"other_freebies":"Consolidates employee purchases on one statement with spend controls","interest_rate_monthly_pct":null,"late_payment_fee":"Default charge 3.5% of outstanding balance, min Rs 100","cash_advance_fee":"3.5% of amount withdrawn","eligibility":"Company programme; criteria not published. New corporate applications temporarily paused.","source_product_page":"https://www.americanexpress.com/en-in/business/payments/","source_mitc_or_tnc":"https://www.americanexpress.com/content/dam/amex/in/legal/mitc/key-fact-statement.pdf","source_other":[],"source_quality":"primary","unverified_fields":["transfer_partners"],"date_read":"2026-10-11","notes":"Thin record: the dedicated purchasing-solutions page was not read. Fees and charges come from the Corporate Key Fact Statement.","id":11,"depth":"fees-only","slug":"amex-corporate-purchasing-card","url":"https://m16s.in/cards/amex-corporate-purchasing-card/"},{"issuer":"AU Small Finance Bank","card_name":"Zenith+","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":800000,"fee_notes":"Rs 4,999 + GST joining fee charged on activation, no waiver. Renewal waived on Rs 8 lakh net retail spend in the previous anniversary year. Card replacement Rs 2,500 + taxes (metal).","welcome_benefit":"Voucher worth Rs 5,000 or 5,000 Reward Points after activation","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":1.0,"accelerated_earn":"2 RP per Rs 100 on travel, dining and international spends","reward_caps":"Max 1,000 RP on utility & telecom, insurance, education & government and rent (period not stated on page)","reward_exclusions":"Cash, EMI, fuel, transportation, BBPS, quasi-cash","point_value":"1 RP = Rs 1","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 1 RP per Rs 100 x Rs 1.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"16 per year (4 per quarter)","lounge_international":"16 per year (4 per quarter) via Priority Pass","lounge_conditions":"No spend condition stated. Priority Pass use at lounges inside India is charged (USD 35 + taxes per visit). Guest policy not stated.","forex_markup_pct":0.99,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 1,000 per statement cycle","milestone_benefits":"1,000 RP on Rs 75,000 retail spend in a statement cycle (utility, insurance, transportation, rent, education & govt, fuel, cash, EMI excluded). Taj Epicure membership on Rs 12 lakh net retail spend in an anniversary year.","other_freebies":"BookMyShow BOGO up to 16 tickets a year (4 per quarter, up to Rs 500 off); 8 golf games/lessons a year (2 per quarter); 4 airport meet & assist a year; air accident cover Rs 2 crore; credit shield Rs 15 lakh; purchase protection Rs 50,000; travel covers; device protection; 24x7 concierge; free add-on cards","interest_rate_monthly_pct":null,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"Zero cash withdrawal fee (interest still accrues from withdrawal date)","eligibility":"Net monthly income Rs 2.5 lakh (indicative); salaried 21-60, self-employed 25-65; resident Indian","source_product_page":"https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","reward_caps"],"date_read":"2026-10-11","notes":"Listing page says the Zenith+ yearly milestone benefit was discontinued from 1 Jan 2026 while the product page still lists a Taj Epicure milestone at Rs 12 lakh; confirm before relying on it. KFS lists a 1.99% per month rate that could not be mapped to a card in the PDF text, so interest is left null. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":12,"depth":"full","slug":"au-zenith","url":"https://m16s.in/cards/au-zenith/"},{"issuer":"AU Small Finance Bank","card_name":"Zenith","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":7999,"annual_fee":7999,"fee_waiver_spend":500000,"fee_notes":"Rs 7,999 + GST. First-year fee waived on Rs 1,25,000 retail spend within 90 days of card setup; renewal waived on Rs 5 lakh retail spend in previous anniversary year. Fee is billed about 90 days after setup unless waiver is met.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":0.75,"accelerated_earn":"5 RP per Rs 100 on standalone dining, international spends, grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom","reward_caps":"Dining: 5,000 RP per statement cycle. Utility & telecom: 100 RP per transaction.","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 3 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"8 per year (2 per quarter) via Priority Pass, issued on request","lounge_conditions":"Domestic visits need Rs 50,000+ retail spend in the preceding calendar quarter. Priority Pass use inside India is chargeable.","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month (KFS v1.9); product page fine print also shows Rs 1,000","milestone_benefits":"1,000 bonus RP on statement-cycle spend of Rs 50,000+; 2,500 bonus RP for one retail transaction on birthday. Quarterly Rs 1,000 voucher milestone and yearly Taj Epicure milestone discontinued from 1 Jan 2026.","other_freebies":"Air accident cover Rs 2 crore; credit shield Rs 15 lakh; purchase protection Rs 50,000; travel covers; 24x7 concierge; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/zenith-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","fuel_surcharge_waiver","joining_fee"],"date_read":"2026-10-11","notes":"Forex markup revised from 1.99% to 3.49% effective 1 Oct 2026 (product page notice); the December 2025 MITC still shows 1.99%. Joining fee is not shown separately; Rs 7,999 is the annual fee charged in year one unless the 90-day spend waiver is met. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":13,"depth":"full","slug":"au-zenith-13","url":"https://m16s.in/cards/au-zenith-13/"},{"issuer":"AU Small Finance Bank","card_name":"Vetta","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":150000,"fee_notes":"Rs 2,999 + GST. First-year fee waived on Rs 40,000 retail spend within 90 days; renewal waived on Rs 1.5 lakh retail spend in previous anniversary year.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"4 RP per Rs 100 on grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom","reward_caps":"Utility & telecom: 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter; plus 2 railway lounge visits per quarter (shared with add-ons)","lounge_international":"4 per year (1 per quarter) via Priority Pass","lounge_conditions":"From 10 Apr 2026 domestic airport lounge needs Rs 50,000 spend in the calendar quarter. Priority Pass use inside India is chargeable.","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month (KFS v1.9); product page fine print shows Rs 250","milestone_benefits":"Quarterly: 500 RP on Rs 50,000 and a further 1,000 RP on Rs 1 lakh retail spend. Yearly: Rs 1,000 vouchers on Rs 2.5 lakh retail spend. Birthday: 1,000 RP on any retail transaction.","other_freebies":"Air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; travel covers; concierge; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/vetta-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","fuel_surcharge_waiver","joining_fee"],"date_read":"2026-10-31","notes":"Forex conflict: product page says 3.49%; the listing-page fee table and Dec 2025 MITC say 2.99%. The higher figure is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":14,"depth":"full","slug":"au-vetta","url":"https://m16s.in/cards/au-vetta/"},{"issuer":"AU Small Finance Bank","card_name":"Altura Plus","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":80000,"fee_notes":"Rs 499 + GST. First-year fee waived on Rs 20,000 retail spend within 90 days; renewal waived on Rs 80,000 retail spend in previous anniversary year.","welcome_benefit":null,"reward_currency":"Cashback + Reward Points","base_earn":"1.5% cashback on offline retail spends up to Rs 100 per statement cycle; after the cap 1 RP per Rs 100 offline","base_return_pct":1.5,"accelerated_earn":"2 RP per Rs 100 on online spends; 1 RP per Rs 100 on utility, telecom and insurance","reward_caps":"Cashback Rs 100 per statement cycle. Utility & telecom: 100 RP per transaction.","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct is the 1.5% offline cashback, which stops at about Rs 6,667 of offline spend per cycle; beyond that the return falls to roughly 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Railway lounges only: 8 per year (page meta text says 2); no airport lounge","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month","milestone_benefits":"500 bonus RP on Rs 20,000+ retail spend in a calendar month (fuel and cash excluded)","other_freebies":"Device protection plan; card liability cover; free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/altura-plus-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","point_value","lounge_domestic"],"date_read":"2026-10-11","notes":"Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":15,"depth":"full","slug":"au-altura-plus","url":"https://m16s.in/cards/au-altura-plus/"},{"issuer":"AU Small Finance Bank","card_name":"Altura","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":199,"annual_fee":199,"fee_waiver_spend":40000,"fee_notes":"Rs 199 + GST. First-year fee waived on Rs 10,000 retail spend within 90 days; renewal waived on Rs 40,000 retail spend in previous anniversary year.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on retail spends","base_return_pct":1.0,"accelerated_earn":"2% cashback on grocery, departmental store and utility bill payments","reward_caps":"Max cashback Rs 50 per statement cycle (page wording unclear whether per category or in total)","reward_exclusions":"Fuel, rent, wallet, cash; education, government and BBPS from 1 Apr 2024","point_value":"Cashback credited in rupees","points_expiry":null,"reward_notes":"base_return_pct = 1% headline rate; with the Rs 50 cap it applies to only about Rs 5,000 of spend per cycle.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Railway lounges only: 8 per year; no airport lounge","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":"Extra Rs 50 cashback when retail spend reaches Rs 10,000 in a statement cycle","other_freebies":"Device protection plan; card liability cover; free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/altura-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","reward_caps"],"date_read":"2026-10-11","notes":"Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":16,"depth":"full","slug":"au-altura","url":"https://m16s.in/cards/au-altura/"},{"issuer":"AU Small Finance Bank","card_name":"LIT","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["lifetime-free","rewards","cashback"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Benefits are bought as paid features, each valid 90 days and auto-renewing unless switched off in the AU 0101 app (switch-off possible only 7 days after activation).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"Paid features: 5X Reward Points Rs 199 per 3 months; 10X Reward Points Rs 299 per 3 months (all online/offline domestic and international spends)","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. Base earn rate is not printed on the product page, so base return is not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Paid feature: Rs 399 buys lounge access for 90 days, max 2 visits per 90 days","lounge_international":"None","lounge_conditions":"Only while the lounge feature is active","forex_markup_pct":3.49,"fuel_surcharge_waiver":"Paid feature Rs 49: 1% waiver on Rs 400-5,000 fuel txns (not included by default)","milestone_benefits":"Paid feature Rs 199: additional 5% cashback at Rs 10,000 spend and 2% at Rs 15,000 spend. Rs 50 feature: Rs 200 Amazon Pay voucher on Rs 10,000 spend in 30 days.","other_freebies":"Paid memberships: ZEE5 Rs 99 + GST per 3 months (spend Rs 5,000 in 90 days or Rs 50 penalty); Amazon Prime Rs 299 + GST per 3 months (spend Rs 10,000 in 90 days or Rs 299 penalty). Card liability cover and credit shield up to Rs 1.5 lakh.","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/lit-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/lit-terms-and-conditions","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","base_earn","point_value"],"date_read":"2026-10-11","notes":"Penalties are charged if a membership feature's spend target is missed. The bank may change or withdraw features without prior notice. LIT T&C page was linked but not read in full. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":17,"depth":"fees-only","slug":"au-lit","url":"https://m16s.in/cards/au-lit/"},{"issuer":"AU Small Finance Bank","card_name":"NOMO","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["secured","rewards"],"status":"open","joining_fee":199,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Rs 199 + GST one-time joining fee; free from the second year.","welcome_benefit":"500 RP on first transaction within 30 days of card setup","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on retail spends","base_return_pct":0.5,"accelerated_earn":"1 RP per Rs 100 on utility and insurance","reward_caps":"5,000 RP per statement cycle","reward_exclusions":"Fuel and cash (milestones); standard AU exclusions apply per Card Member Agreement","point_value":"1 RP = Rs 0.25 (product page FAQ)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 airport lounge visits per quarter; 2 railway lounge visits per quarter","lounge_international":"None","lounge_conditions":"Airport lounge needs Rs 50,000 spend in a quarter from 10 Apr 2026 (page FAQ still says Rs 20,000 in previous quarter)","forex_markup_pct":0.99,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100","milestone_benefits":"500 RP on Rs 25,000 retail spend in a quarter; doubled at Rs 50,000","other_freebies":"Card liability cover; FD keeps earning interest","interest_rate_monthly_pct":null,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian aged 18+. Needs an AU fixed deposit of at least Rs 20,000 in sole name, cumulative, auto-renew, 24-month tenure; lien on 100% of the FD.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/nomo-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","lounge_conditions"],"date_read":"2026-10-11","notes":"FD-backed. Credit limit as a share of the FD is not stated on the page. Cash limit 70% of card limit per MITC. Partial FD withdrawal not allowed. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":18,"depth":"full","slug":"au-nomo","url":"https://m16s.in/cards/au-nomo/"},{"issuer":"AU Small Finance Bank","card_name":"AU SPONT","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","upi"],"status":"open","joining_fee":299,"annual_fee":299,"fee_waiver_spend":null,"fee_notes":"Rs 299 + GST joining and annual fee; no waiver condition published.","welcome_benefit":"500 coins on first UPI transaction on the AU 0101 app","reward_currency":"Cashback + Coins","base_earn":"1% cashback on all eligible spends including UPI","base_return_pct":1.0,"accelerated_earn":"5 coins per UPI transaction made on the AU 0101 app","reward_caps":"Cashback Rs 500 per statement cycle","reward_exclusions":"Fuel, rent, government & education, cash withdrawals, EMI, insurance","point_value":"Cashback in rupees; coin value not stated","points_expiry":"Coins do not expire","reward_notes":"Coins redeemed on AU Rewardz. base_return_pct = 1% cashback, effective on up to Rs 50,000 of spend per cycle.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 airport lounge visits per quarter; 2 railway lounge visits per quarter (shared with add-ons)","lounge_international":"None","lounge_conditions":"Airport lounge needs Rs 50,000 spend in the quarter (page) or previous quarter (pop-up), effective 10 Apr 2026","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":"Listed as a feature but no details on page","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/au-spont-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["lounge_conditions"],"date_read":"2026-10-11","notes":"Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":19,"depth":"full","slug":"au-spont","url":"https://m16s.in/cards/au-spont/"},{"issuer":"AU Small Finance Bank","card_name":"ixigo AU","cobrand_partner":"ixigo","networks":[],"segment":"mid","card_type":["cobrand","travel","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Product page and Dec 2025 MITC: lifetime free 'for limited period'. The AU listing-page fee table instead shows Rs 999 annual fee, waived in year one on Rs 1,000 spend within 30 days and on renewal at Rs 1 lakh annual spend. Confirm at application.","welcome_benefit":"1,000 RP plus 1,000 ixigo Money on first transaction within 30 days (ixigo Money for new-to-bank customers only, valid 90 days)","reward_currency":"Reward Points","base_earn":"2.5% rewards on spends in multiples of Rs 200, online, offline and UPI","base_return_pct":2.5,"accelerated_earn":"10% off up to Rs 3,000 on ixigo flights and hotels, 10% off up to Rs 300 on buses (once a month each); zero payment gateway fee on trains twice a month on ixigo and ConfirmTkt","reward_caps":"10,000 RP per statement cycle","reward_exclusions":"Fuel, rent, insurance, wallet, jewellery; education & government, BBPS and international transactions (from 22 Dec 2024)","point_value":null,"points_expiry":"2 years from the statement month earned","reward_notes":"Redemption fee Rs 99 + GST; minimum 200 points; redeem via ixigo app or AU 0101. base_return_pct is the issuer's stated 2.5%; the rupee value per point is not printed on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 airport lounge visits per calendar year (2 per quarter), primary only; 2 railway lounge visits per quarter","lounge_international":"1 per year via Priority Pass, issued on request","lounge_conditions":"Domestic airport lounge needs Rs 50,000 spend in the previous quarter. Priority Pass inside India, extra visits and guests cost USD 35 + taxes.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 per statement month","milestone_benefits":"5,000 bonus RP on Rs 75,000+ spend per calendar quarter","other_freebies":"Credit shield Rs 1.5 lakh; up to 3 free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. Must be registered on ixigo.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/revision-of-ixigo-au-credit-card-usage-tnc.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards","https://cardinsider.com/au-bank/"],"source_quality":"primary","unverified_fields":["joining_fee","annual_fee","networks","point_value","base_return_pct"],"date_read":"2026-10-11","notes":"Zero forex markup, but international transactions earn no reward points since 22 Dec 2024. Rewards T&C PDF was linked but not read. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":20,"depth":"full","slug":"ixigo-au","url":"https://m16s.in/cards/ixigo-au/"},{"issuer":"AU Small Finance Bank","card_name":"Paytm AU","cobrand_partner":"Paytm","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","lifetime-free","upi","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free, no joining or annual fee.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on online and offline spends","base_return_pct":1.0,"accelerated_earn":"Paytm UPI Scan & Pay: 2 RP per Rs 100 on Rs 100-2,000 transactions, 1 RP per Rs 100 above Rs 2,000. Paytm Travel and Paytm Gold: 5 RP per Rs 100. Other UPI apps: 1 RP per Rs 400. Paytm utility bill payments: 1 RP per Rs 100.","reward_caps":"Monthly capping applies on Paytm app spends; figures are in the Rewards T&C PDF, not on the page","reward_exclusions":null,"point_value":"1 RP = Rs 1 as Paytm Gold in the Paytm app; Rs 0.50 on the AU rewards portal","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 1 (Paytm Gold redemption); 0.5% via AU portal.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 complimentary domestic lounge visits, unlocked only via return-ticket bookings on Paytm Travel","lounge_international":"None","lounge_conditions":"Minimum round-trip booking value Rs 5,000 per lounge QR; max 4 lounge redemptions per booking; QR cannot be cancelled. Period for the 12 visits not stated.","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on fuel txns, cap Rs 100 per statement month (KFS v1.9); page also shows a Rs 250 version","milestone_benefits":null,"other_freebies":"Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/paytm-au-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards","https://www.au.bank.in/pdf/Paytm-AU-Credit-Card-Rewards-TCs.pdf"],"source_quality":"primary","unverified_fields":["reward_caps","reward_exclusions","networks"],"date_read":"2026-10-31","notes":"Rewards T&C PDF (caps and exclusions) was not read. RuPay variant inferred from the card image file name; UPI rewards need a RuPay card. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":21,"depth":"partial","slug":"paytm-au","url":"https://m16s.in/cards/paytm-au/"},{"issuer":"AU Small Finance Bank","card_name":"CheQ AU","cobrand_partner":"CheQ","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","lifetime-free","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. One-time Rs 999 + GST fee for the LED (Visa) card. Applicants get one Visa and one RuPay card; both close together.","welcome_benefit":null,"reward_currency":"CheQ Points","base_earn":"2 CheQ points per Rs 200 (1%) on other eligible spends","base_return_pct":0.5,"accelerated_earn":"24 points per Rs 200 (12%) on Amazon, Flipkart, Zomato, BigBasket, Apple (Unicorn), CheQ Travel and utility bills paid in the CheQ app; 10 points per Rs 200 (5%) on online shopping, travel, food delivery, online grocery; 5 points per Rs 200 (2.5%) on CheQ UPI with the RuPay card","reward_caps":"12,000 CheQ points per month on accelerated categories; no cap on base","reward_exclusions":"Fuel, education, gold/jewellery, gambling, insurance, rent, wallet loads, government, EMI, cash, digital gaming, utilities and UPI outside the CheQ app, transactions under Rs 200","point_value":"2 points = Rs 1 on flights, hotels and gift cards; 4 points = Rs 1 against bill payment","points_expiry":"2 years from credit date","reward_notes":"No redemption fee; redemption only in the CheQ app. base_return_pct = 2 points per Rs 200 at 2 points per rupee = 0.5%. The headline 12%/5%/2.5%/1% figures are in points, so rupee value is half that on travel and vouchers and a quarter against the bill.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver, cap Rs 150 per statement month (Rs 500-5,000 txns per KFS)","milestone_benefits":null,"other_freebies":"Air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; zero-fee Xpress EMI; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/cheq-au-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/personal-banking/credit-cards","https://www.au.bank.in/pdf/credit-card/CheQ-Rewards-TnC.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"CheQ Rewards T&C PDF not read; exclusions are from the product page and the Card Member Agreement MCC list. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":22,"depth":"full","slug":"cheq-au","url":"https://m16s.in/cards/cheq-au/"},{"issuer":"AU Small Finance Bank","card_name":"Ananta","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","travel","shopping"],"status":"open","joining_fee":2000,"annual_fee":2000,"fee_waiver_spend":300000,"fee_notes":"Rs 2,000 + GST joining fee charged on activation, no waiver. Renewal waived on Rs 3 lakh spend in the previous anniversary year.","welcome_benefit":"8,000 bonus RP on activation and first transaction within 30 days","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail spends","base_return_pct":0.5,"accelerated_earn":"5 RP per Rs 100 on shopping, dining and travel; 1 RP per Rs 100 on insurance, utility and telecom. 15% instant discount once a month each on Amazon Fashion (max Rs 500, min Rs 1,000), District (max Rs 500, min Rs 1,000) and hotels via AU Rewardz (max Rs 500, min Rs 3,000, primary only).","reward_caps":"5,000 RP per statement cycle on shopping, dining and travel; utility & telecom 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"About Rs 0.25 per RP (milestone table: 5,000 RP = Rs 1,250)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar quarter, primary only","lounge_international":"None","lounge_conditions":"Unlocked only by booking flight tickets of Rs 5,000 or more through AU Rewardz","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 200 per statement cycle","milestone_benefits":"Anniversary-year spend: 5,000 RP at Rs 2.5 lakh, 10,000 RP at Rs 5 lakh, 15,000 RP at Rs 7.5 lakh, 20,000 RP at Rs 10 lakh (50,000 RP in total; fuel and cash excluded)","other_freebies":"Air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; 3-month no-cost EMI on flights and hotels via AU Rewardz (Rs 199 + GST fee); free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/ananta-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-31","notes":"Launched 2026 as part of a new line-up (Ananta, Laksya, Tejas, Prathama). Forex markup not on the product page and the card is not in the forex table read. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":23,"depth":"full","slug":"au-ananta","url":"https://m16s.in/cards/au-ananta/"},{"issuer":"AU Small Finance Bank","card_name":"Laksya","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","shopping"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Rs 1,000 + GST joining fee on activation, no waiver. Renewal waived on Rs 2 lakh retail spend in previous anniversary year.","welcome_benefit":"4,000 bonus RP or Rs 1,000 brand voucher on activation and first transaction within 30 days","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail spends","base_return_pct":0.5,"accelerated_earn":"5 RP per Rs 100 on grocery, departmental stores and contactless tap & pay; 1 RP per Rs 100 on insurance, utility, telecom. Monthly partner offers: up to 15% off Amazon Fresh/Now (max Rs 250, min Rs 500), Zomato (max Rs 250, min Rs 500), BOGO movie tickets on District (max Rs 250).","reward_caps":"1,000 RP per statement cycle on grocery and departmental stores; no cap on contactless; utility & telecom 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per calendar year (max 2 per quarter)","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the previous quarter","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 150 per statement cycle","milestone_benefits":null,"other_freebies":"Zero-fee Xpress EMI; card liability cover, credit shield, device protection; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/laksya-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","networks"],"date_read":"2026-10-31","notes":"Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":24,"depth":"full","slug":"au-laksya","url":"https://m16s.in/cards/au-laksya/"},{"issuer":"AU Small Finance Bank","card_name":"Tejas","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","cashback"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Rs 500 + GST joining fee on activation, no waiver. Renewal waived on Rs 1.5 lakh retail spend in previous anniversary year.","welcome_benefit":"2,000 bonus RP or Rs 500 brand voucher on activation and first transaction within 30 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 on AU Rewardz spends. 10% cashback, max Rs 50 a month each (min txn Rs 150, once a month per category), on District movies, Amazon grocery, Zomato, cabs and bill payments via AU 0101.","reward_caps":"Utility & telecom 100 RP per transaction; merchant cashback Rs 50 per category per month","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 1 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":"500 bonus RP for 5 transactions of Rs 500+ in a statement cycle","other_freebies":"Card liability cover, credit shield, device protection; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/tejas-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","lounge_domestic"],"date_read":"2026-10-31","notes":"Page shows a lounge icon but gives no counts or conditions. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":25,"depth":"full","slug":"au-tejas","url":"https://m16s.in/cards/au-tejas/"},{"issuer":"AU Small Finance Bank","card_name":"Prathama","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":100,"annual_fee":100,"fee_waiver_spend":75000,"fee_notes":"Rs 100 + GST joining fee on activation, no waiver. Renewal waived on Rs 75,000 retail spend in previous anniversary year.","welcome_benefit":"None","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"2 RP per Rs 100 on contactless tap & pay; 2 RP per Rs 100 on spend beyond Rs 5,000 in a statement cycle; 500 bonus RP per new standing instruction / recurring payment setup (once per merchant, lifetime)","reward_caps":"Incremental 2 RP tier capped at 1,000 RP per cycle (Card Member Agreement); utility & telecom 100 RP per transaction","reward_exclusions":"Fuel, EMI, cash and quasi-cash, rent, transportation, education, government, BBPS","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 1 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":"Card liability cover, credit shield, device protection; free add-on card","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. Aimed at first-time credit card users.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/prathama-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","point_value"],"date_read":"2026-10-31","notes":"Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":26,"depth":"full","slug":"au-prathama","url":"https://m16s.in/cards/au-prathama/"},{"issuer":"AU Small Finance Bank","card_name":"AU CA Metal","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","lifetime-free","business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for members of ICAI.","welcome_benefit":"2,000 bonus RP on Rs 5,000 spend within 30 days; SwiggyOne quarterly membership on Rs 10,000 spend within 30 days","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on retail categories","base_return_pct":0.5,"accelerated_earn":"8 RP per Rs 100 on dining, travel, tax payments and software purchases; 1 RP per Rs 100 on utility, telecom and insurance","reward_caps":"5,000 RP per statement cycle on dining, travel, tax and software; utility & telecom 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"None","lounge_conditions":"Card must stay purchase-active during the quarter; no spend amount stated","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"25% cashback on annual ICAI membership fee renewal; air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; concierge; zero-fee Xpress EMI; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":2.99,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"ICAI members (Chartered Accountants). Resident Indian; salaried 21-60, self-employed 25-65. Self-employed age limit 25-75. ","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/ca-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","networks"],"date_read":"2026-10-11","notes":"Metal card. Interest 2.99% per month per MITC. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":27,"depth":"full","slug":"au-ca-metal","url":"https://m16s.in/cards/au-ca-metal/"},{"issuer":"AU Small Finance Bank","card_name":"AU CS","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","lifetime-free","business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for members of ICSI.","welcome_benefit":"2,000 bonus RP on Rs 5,000 spend within 30 days; SwiggyOne quarterly membership on Rs 10,000 spend within 30 days","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on retail categories","base_return_pct":0.5,"accelerated_earn":"8 RP per Rs 100 on dining, travel, tax payments and software purchases; 1 RP per Rs 100 on utility, telecom and insurance","reward_caps":"5,000 RP per statement cycle on dining, travel, tax and software; utility & telecom 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"None","lounge_conditions":"Card must stay purchase-active during the quarter; no spend amount stated","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"25% cashback on annual ICSI membership fee renewal; air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; concierge; zero-fee Xpress EMI; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2","interest_rate_monthly_pct":null,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"ICSI members (Company Secretaries). Resident Indian; salaried 21-60, self-employed 25-65. ","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/au-cs-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","networks","interest_rate_monthly_pct"],"date_read":"2026-10-31","notes":"Forex markup and interest rate for AU CS could not be mapped from the KFS text. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":28,"depth":"full","slug":"au-cs","url":"https://m16s.in/cards/au-cs/"},{"issuer":"AU Small Finance Bank","card_name":"Traverse (NRI)","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["travel","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":600000,"fee_notes":"Rs 4,999 + taxes annual membership fee; waived on Rs 6 lakh spend in a card anniversary year.","welcome_benefit":"Rs 5,000 MakeMyTrip voucher on activation within 30 days","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on domestic spends","base_return_pct":null,"accelerated_earn":"4 RP per Rs 100 on international spends; 1 RP per Rs 100 on insurance, utility and telecom","reward_caps":"Utility & telecom 100 RP per transaction","reward_exclusions":"Fuel, EMI, cash, rent, education and government","point_value":null,"points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. Point value not printed on the page, so base return is not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary domestic or international lounge visits per quarter (combined)","lounge_international":"Via Priority Pass, within the same 2 per quarter","lounge_conditions":"No spend condition stated. Priority Pass use inside India is chargeable.","forex_markup_pct":0.99,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 250","milestone_benefits":"Rs 10,000 Taj voucher on Rs 10 lakh spend in an anniversary year (fuel and cash excluded)","other_freebies":"4 airport meet & assist a year; 4 airport spa visits a year via DreamFolks; Rs 500 duty-free cashback on Rs 10,000 spend","interest_rate_monthly_pct":null,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"Zero cash withdrawal fee","eligibility":"Non-Resident Indians aged 18-75 holding an NRE account or NRE FD with AU; apply at a branch","source_product_page":"https://www.au.bank.in/premium-banking/credit-cards/traverse-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","joining_fee"],"date_read":"2026-10-11","notes":"Overlimit not permitted. Cash limit up to 50% of card limit. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":29,"depth":"full","slug":"au-traverse-nri","url":"https://m16s.in/cards/au-traverse-nri/"},{"issuer":"AU Small Finance Bank","card_name":"Xcite","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":249,"annual_fee":249,"fee_waiver_spend":100000,"fee_notes":"Rs 249 + taxes; waived from year 2 on Rs 1 lakh retail spend in previous anniversary year.","welcome_benefit":"No one-time bonus; 2X base points on retail spends made on the 1st to 5th of each month","reward_currency":"Reward Points","base_earn":"3 RP per Rs 100 online and offline","base_return_pct":0.75,"accelerated_earn":"15 RP per Rs 100 on dining, movies, grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom","reward_caps":"Utility & telecom 100 RP per transaction; no cap printed for the 15 RP tier","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 3 RP per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Railway lounges only: 8 per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle from 1 Oct 2026 (was Rs 150)","milestone_benefits":null,"other_freebies":"Device protection plan; card liability cover; free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","point_value","joining_fee","annual_fee","status","reward_caps"],"date_read":"2026-10-11","notes":"Part of the SwipeUp Xcite series. Fee conflict on the issuer's own pages: the product page shows an annual fee with a spend waiver, while the listing-page fee table and MITC describe the SwipeUp Xcite series as lifetime free (SwipeUp upgrades for existing cardholders). The product-page fee is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":30,"depth":"full","slug":"au-xcite","url":"https://m16s.in/cards/au-xcite/"},{"issuer":"AU Small Finance Bank","card_name":"Xcite Ace","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":749,"annual_fee":749,"fee_waiver_spend":200000,"fee_notes":"Rs 749 + taxes; waived from year 2 on Rs 2 lakh retail spend in previous anniversary year.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Milestone cashback on monthly spend: 1% at Rs 7,500, 2% at Rs 12,500, 3% at Rs 20,000","base_return_pct":null,"accelerated_earn":null,"reward_caps":"Rs 600 cashback per statement cycle","reward_exclusions":"Wallet, cash, rent, education & government, EMI, fuel, BBPS, quasi-cash do not count","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"No cashback below Rs 7,500 of monthly spend, so no flat base return is computed. The Rs 600 cap equals 3% on Rs 20,000.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 airport lounge visits per quarter; 8 railway lounge visits per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":"Airport lounge needs Rs 50,000 spend in the previous quarter, effective 10 Apr 2026","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":"Air accident cover Rs 50 lakh; credit shield Rs 2 lakh; purchase protection Rs 25,000; device protection; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ace-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["networks","joining_fee","annual_fee","status"],"date_read":"2026-10-11","notes":"Part of the SwipeUp Xcite series. Fee conflict on the issuer's own pages: the product page shows an annual fee with a spend waiver, while the listing-page fee table and MITC describe the SwipeUp Xcite series as lifetime free (SwipeUp upgrades for existing cardholders). The product-page fee is recorded. Parts of the Xcite Ace page carry Xcite Ultra wording. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":31,"depth":"full","slug":"au-xcite-ace","url":"https://m16s.in/cards/au-xcite-ace/"},{"issuer":"AU Small Finance Bank","card_name":"Xcite Ultra","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":749,"annual_fee":749,"fee_waiver_spend":200000,"fee_notes":"Rs 749 + taxes; waived from year 2 on Rs 2 lakh retail spend in previous anniversary year.","welcome_benefit":"Monthly: 500 RP on Rs 5,000 retail spend made on the 1st to 5th of each month (rent, wallet, fuel excluded)","reward_currency":"Reward Points","base_earn":"4 RP per Rs 100 offline","base_return_pct":1.0,"accelerated_earn":"8 RP per Rs 100 online; 12 RP per Rs 100 international; 1 RP per Rs 100 on utility, telecom and insurance","reward_caps":"Utility & telecom 100 RP per transaction","reward_exclusions":"Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 10 Apr 2026","point_value":"1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 4 RP per Rs 100 x Rs 0.25 (offline); online about 2%, international about 3% before the 3.49% forex markup.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 airport lounge visits per quarter; 8 railway lounge visits per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":"Airport lounge needs Rs 50,000 spend in the previous quarter from 10 Apr 2026","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":"5,000 RP on Rs 2.5 lakh retail spend in an anniversary year","other_freebies":"Air accident cover Rs 50 lakh (headline says up to Rs 20 lakh); credit shield Rs 2 lakh; purchase protection Rs 25,000; device protection; concierge; Times Prime; free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ultra-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","joining_fee","annual_fee","status"],"date_read":"2026-10-11","notes":"Part of the SwipeUp Xcite series. Fee conflict on the issuer's own pages: the product page shows an annual fee with a spend waiver, while the listing-page fee table and MITC describe the SwipeUp Xcite series as lifetime free (SwipeUp upgrades for existing cardholders). The product-page fee is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":32,"depth":"full","slug":"au-xcite-ultra","url":"https://m16s.in/cards/au-xcite-ultra/"},{"issuer":"AU Small Finance Bank","card_name":"InstaPay RuPay","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","lifetime-free","cashback"],"status":"invite-only","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free virtual card. Credit limit is shared with the holder's existing AU card; separate statement and bill.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"No cashback outside the listed categories","base_return_pct":null,"accelerated_earn":"1% cashback on UPI transactions of Rs 200+ at departmental stores, dining, pharmacy and grocery/supermarkets","reward_caps":"Rs 100 cashback per statement cycle","reward_exclusions":"All categories other than the four listed; non-UPI spends","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns (cap not legible in KFS)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"Cash withdrawal not applicable","eligibility":"Existing AU credit cardholders only, select base","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/instapay-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Virtual-only RuPay card for UPI; domestic merchants only.","id":33,"depth":"full","slug":"au-instapay-rupay","url":"https://m16s.in/cards/au-instapay-rupay/"},{"issuer":"AU Small Finance Bank","card_name":"AU KOSMO","cobrand_partner":"Kiwi","networks":["RuPay"],"segment":"entry","card_type":["cobrand","upi","lifetime-free","cashback"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Kiwi Neon is a paid membership sold in the Kiwi app; its price was not found on the pages read.","welcome_benefit":null,"reward_currency":"Kiwis","base_earn":"0.5% on online and other card spends","base_return_pct":0.5,"accelerated_earn":"1.5% on UPI Scan & Pay via the Kiwi app. With Kiwi Neon: 2% on UPI Scan & Pay and milestone cashback of 3% / 4% / 5% at Rs 50,000 / Rs 1 lakh / Rs 1.5 lakh annual spend.","reward_caps":null,"reward_exclusions":"Cash, rent, education & government, insurance, EMI, fuel, BBPS (issuer page)","point_value":"1 Kiwi = Rs 0.25 (aggregator)","points_expiry":null,"reward_notes":"Earn percentages are from Kiwi's site and Card Insider; the AU page gives no rates. base_return_pct = 0.5% as stated by Kiwi. Rewards post on statement date and are redeemed in the Kiwi app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None on base card; Kiwi Neon gives one lounge visit at each annual spend milestone (Rs 50,000 / Rs 1 lakh / Rs 1.5 lakh)","lounge_international":"None","lounge_conditions":"Neon membership and spend milestones required (aggregator)","forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/kosmo-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://www.gokiwi.in/cards/aubank/","https://cardinsider.com/au-bank/kosmo-credit-card/","https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","accelerated_earn","point_value","lounge_domestic","lounge_conditions","reward_caps"],"date_read":"2026-10-11","notes":"Apply through the Kiwi app. Kiwi also runs co-brands with other banks; this entry is the AU-issued card.","id":34,"depth":"full","slug":"au-kosmo","url":"https://m16s.in/cards/au-kosmo/"},{"issuer":"AU Small Finance Bank","card_name":"AU Zaggle","cobrand_partner":"Zaggle","networks":["RuPay","Visa"],"segment":"entry","card_type":["cobrand","upi","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Applicant picks one network variant.","welcome_benefit":null,"reward_currency":"Zagg Coins","base_earn":"2% in Zagg Coins on POS and other UPI apps (2 coins per Rs 100)","base_return_pct":0.5,"accelerated_earn":"RuPay: 4% on UPI via zagg.money, 8% only once zagg.money UPI spends exceed Rs 10,000 in the cycle; 2% e-commerce. Visa: 8% on tap & pay transactions of Rs 500-5,000 (2% above Rs 5,000); 4% e-commerce.","reward_caps":"2,000 Zagg Coins per statement cycle (Rs 500 of value); only transactions of Rs 500+ earn","reward_exclusions":"Transactions under Rs 500; reversed or ineligible transactions. No category list on the page.","point_value":"1 Zagg Coin = Rs 0.25","points_expiry":"2 years from the statement credit month","reward_notes":"Minimum redemption 1,000 coins, paid as cashback via the zagg.money app, posted within 30 days. Headline 2/4/8% are coin percentages; rupee value is a quarter of that. base_return_pct = 2 coins per Rs 100 x Rs 0.25. Redemption fee Rs 99 + GST per Card Insider.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":"https://www.au.bank.in/personal-banking/credit-cards/au-zaggle-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf","source_other":["https://cardinsider.com/au-bank/au-zaggle-credit-card/","https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"mixed","unverified_fields":[],"date_read":"2026-10-31","notes":"Apply via the zagg.money app. Monthly cap means maximum reward value is Rs 500 per cycle. Forex markup from Card Insider.","id":35,"depth":"full","slug":"au-zaggle","url":"https://m16s.in/cards/au-zaggle/"},{"issuer":"AU Small Finance Bank","card_name":"AU Fi MagniFi","cobrand_partner":"Fi Money","networks":[],"segment":"entry","card_type":["cobrand","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (MITC fee table and Card Insider).","welcome_benefit":null,"reward_currency":"Fi Points","base_earn":"2 Fi Points per Rs 100 on weekdays","base_return_pct":0.5,"accelerated_earn":"20 Fi Points per Rs 100 on weekend spends; 20% weekend discount up to Rs 100 once a month (min order Rs 500)","reward_caps":"Weekday earn capped at 2,000 Fi Points per statement cycle; weekend cap not stated","reward_exclusions":null,"point_value":"4 Fi Points = Rs 1","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 at 4 points per rupee. All reward data from Card Insider (Jan 2026); the AU product page could not be opened.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published.","source_product_page":null,"source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://cardinsider.com/au-bank/au-fi-magnifi-credit-card/","https://cardinsider.com/au-bank/"],"source_quality":"aggregator","unverified_fields":["status","networks","base_earn","accelerated_earn","reward_caps","point_value","base_return_pct","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Named in AU's MITC (lifetime free, 3.49% forex) but absent from AU's public card listing page; whether new applications are open through the Fi app is not confirmed.","id":36,"depth":"full","slug":"au-fi-magnifi","url":"https://m16s.in/cards/au-fi-magnifi/"},{"issuer":"AU Small Finance Bank","card_name":"ABC Flex","cobrand_partner":"Aditya Birla Capital","networks":["RuPay","Visa"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2X offline (multiplier base not defined on partner page)","base_return_pct":null,"accelerated_earn":"6X in select categories (education, utilities, grocery, departmental stores per Card Insider); 4X online; 2X offline","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.20 (Card Insider)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Double reward points on spends above Rs 50,000 in a quarter","other_freebies":"Paid customisable features (cashback boosters, lounge, memberships) at about Rs 199-299 per 90 days","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; primary cardholder 21-60; add-on 18+","source_product_page":"https://www.adityabirlacapital.com/credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://cardinsider.com/au-bank/aditya-birla-au-bank-credit-cards/","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"mixed","unverified_fields":["status","base_earn","accelerated_earn","point_value","networks"],"date_read":"2026-10-11","notes":"Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC.","id":37,"depth":"partial","slug":"au-abc-flex","url":"https://m16s.in/cards/au-abc-flex/"},{"issuer":"AU Small Finance Bank","card_name":"ABC Nxt","cobrand_partner":"Aditya Birla Capital","networks":["RuPay","Visa"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2X offline (multiplier base not defined on partner page)","base_return_pct":null,"accelerated_earn":"6X in select categories; 4X online; 2X offline","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.20 (Card Insider)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"1% fuel surcharge waiver on Rs 400-5,000; offers on Swiggy, Zomato, Ola; paid customisable features","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; primary cardholder 21-60; add-on 18+","source_product_page":"https://www.adityabirlacapital.com/credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://cardinsider.com/au-bank/aditya-birla-au-bank-credit-cards/","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"mixed","unverified_fields":["status","base_earn","accelerated_earn","point_value","networks"],"date_read":"2026-10-11","notes":"Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC.","id":38,"depth":"partial","slug":"au-abc-nxt","url":"https://m16s.in/cards/au-abc-nxt/"},{"issuer":"AU Small Finance Bank","card_name":"ABC Pro","cobrand_partner":"Aditya Birla Capital","networks":["Visa"],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":150000,"fee_notes":"Rs 999 + taxes a year; first-year fee waived on Rs 15,000 spend in 30 days; renewal reversed on Rs 1.5 lakh annual spend. Lifetime free for select corporates.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2X offline (multiplier base not defined on partner page)","base_return_pct":null,"accelerated_earn":"10X in select categories (travel, dining, entertainment, international per Card Insider); 4X online; 2X offline","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.20 (Card Insider)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 domestic lounge visits per quarter","lounge_international":"1 international per year","lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; primary cardholder 21-60; add-on 18+","source_product_page":"https://www.adityabirlacapital.com/credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://cardinsider.com/au-bank/aditya-birla-au-bank-credit-cards/","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"mixed","unverified_fields":["status","base_earn","accelerated_earn","point_value","networks"],"date_read":"2026-10-11","notes":"Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC.","id":39,"depth":"full","slug":"au-abc-pro","url":"https://m16s.in/cards/au-abc-pro/"},{"issuer":"AU Small Finance Bank","card_name":"ABC Biz","cobrand_partner":"Aditya Birla Capital","networks":["Visa"],"segment":"entry","card_type":["cobrand","rewards","business"],"status":"open","joining_fee":0,"annual_fee":588,"fee_waiver_spend":null,"fee_notes":"Rs 49 + taxes per month (Rs 588 a year), reversed for any statement cycle with Rs 10,000 spend. First month free.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2X offline (multiplier base not defined on partner page)","base_return_pct":null,"accelerated_earn":"10X in select categories (education, utilities, insurance, grocery, government per Card Insider)","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.20 (Card Insider)","points_expiry":"2 years from accrual (Card Member Agreement cl. 23.8)","reward_notes":"Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"1% fuel surcharge waiver on Rs 400-5,000; offers on Swiggy, Zomato, Ola","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Resident Indian; primary cardholder 21-60; add-on 18+","source_product_page":"https://www.adityabirlacapital.com/credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","source_other":["https://cardinsider.com/au-bank/aditya-birla-au-bank-credit-cards/","https://www.au.bank.in/personal-banking/credit-cards"],"source_quality":"mixed","unverified_fields":["status","base_earn","accelerated_earn","point_value","networks"],"date_read":"2026-10-11","notes":"Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC.","id":40,"depth":"partial","slug":"au-abc-biz","url":"https://m16s.in/cards/au-abc-biz/"},{"issuer":"AU Small Finance Bank","card_name":"Business Cashback","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["business","cashback"],"status":"open","joining_fee":0,"annual_fee":1188,"fee_waiver_spend":null,"fee_notes":"Rs 99 + taxes per month (Rs 1,188 a year), waived for any statement cycle with Rs 10,000 retail spend. No joining fee stated.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on spends, paid only if the full total amount due is repaid","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Rs 1,000 per statement cycle","reward_exclusions":"Wallet, tax payments, rent, insurance, fuel, cash; excluded MCC list published separately","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"Eligibility for cashback requires the last 12 payments to be at least the total amount due. base_return_pct = 1% for a full-paying user, up to Rs 1 lakh of spend per cycle.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Railway lounges only: 8 per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.49,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle from 1 Oct 2026 (was Rs 200)","milestone_benefits":null,"other_freebies":"Business insurance: cash in counter Rs 25,000, cash in transit and public liability Rs 1.5 lakh each, fire and burglary Rs 2 lakh each; instant loan after 90 days; Silver Spoon dining up to 30% off; free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9)","cash_advance_fee":"2.5% of amount withdrawn, min Rs 500","eligibility":"Business owners and self-employed residents aged 25-65","source_product_page":"https://www.au.bank.in/personal-banking/commercial-credit-cards/business-cashback-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf","source_other":["https://www.au.bank.in/pdf/corporate-credit-cards/key-fact-statement.pdf","https://www.au.bank.in/pdf/credit-card/mitc-with-schedule-of-charges.pdf","https://www.au.bank.in/personal-banking/credit-cards","https://www.au.bank.in/pdf/commercial-credit-card/Excluded-MCCs-Business-Cashback-Card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Revolvers earn nothing: cashback is forfeited in any cycle not paid in full. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. ","id":41,"depth":"full","slug":"au-business-cashback","url":"https://m16s.in/cards/au-business-cashback/"},{"issuer":"AU Small Finance Bank","card_name":"Corporate Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee for corporates (commercial KFS v1.0, 16 Jul 2026).","welcome_benefit":null,"reward_currency":null,"base_earn":"No rewards on the standard card (a 'Reward' variant is named in the KFS without details)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 200 per statement cycle","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 50 lakh, baggage/passport loss Rs 50,000, flight delay Rs 10,000, unauthorised transactions Rs 2 lakh. Expense management portal with approval matrix. Up to 48 days interest-free.","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporate entities and businesses per AU policy; no thresholds published","source_product_page":"https://www.au.bank.in/personal-banking/commercial-credit-cards/corporate-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/corporate-credit-cards/key-fact-statement.pdf","source_other":["https://www.au.bank.in/pdf/commercial-credit-cards/commercial-document_tnc.pdf"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","forex_markup_pct"],"date_read":"2026-10-11","notes":"Commercial KFS lists finance charges of up to 3.49% (Corporate) and 1.99% (Purchase) per month but the table text was garbled; left null. Secured Corporate and Secured Purchase variants are also named in the KFS. Retail fair-usage fees do not apply to these cards.","id":42,"depth":"partial","slug":"au-corporate-credit-card","url":"https://m16s.in/cards/au-corporate-credit-card/"},{"issuer":"AU Small Finance Bank","card_name":"Purchase Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee for corporates (commercial KFS v1.0, 16 Jul 2026).","welcome_benefit":null,"reward_currency":null,"base_earn":"No rewards on the standard card (a 'Reward' variant is named in the KFS without details)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (max 2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Web-based expense management, MCC restrictions and spend limits on employee cards; meant for GST/tax, utility, procurement and capex payments. Up to 48 days interest-free.","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporate entities and businesses per AU policy; no thresholds published","source_product_page":"https://www.au.bank.in/personal-banking/commercial-credit-cards/purchase-credit-card","source_mitc_or_tnc":"https://www.au.bank.in/pdf/corporate-credit-cards/key-fact-statement.pdf","source_other":["https://www.au.bank.in/pdf/commercial-credit-cards/commercial-document_tnc.pdf"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","forex_markup_pct"],"date_read":"2026-10-11","notes":"Commercial KFS lists finance charges of up to 3.49% (Corporate) and 1.99% (Purchase) per month but the table text was garbled; left null. Secured Corporate and Secured Purchase variants are also named in the KFS. Retail fair-usage fees do not apply to these cards.","id":43,"depth":"partial","slug":"au-purchase-credit-card","url":"https://m16s.in/cards/au-purchase-credit-card/"},{"issuer":"Axis Bank","card_name":"Magnus","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":12500,"annual_fee":12500,"fee_waiver_spend":2500000,"fee_notes":"Joining fee nil for Burgundy Salary Account opened on/after 1 Jul 2026 (MITC). Renewal waived on Rs 25 lakh eligible spend; rent, wallet, utilities, government, EMI, insurance, gold, fuel and (from 28 Aug 2026) gift cards do not count.","welcome_benefit":"One voucher worth Rs 12,500: Luxe gift card, The Postcard Hotels or Yatra (issuer page and T&C). Not repeated on renewal.","reward_currency":"EDGE Reward Points","base_earn":"12 EDGE RP per Rs 200 on cumulative spend up to Rs 1.5 lakh in a calendar month; 35 per Rs 200 above that","base_return_pct":2.4,"accelerated_earn":"5X on Travel EDGE (issuer page) = 60 RP per Rs 200 up to Rs 2 lakh a month, then 35 per Rs 200 (T&C). Grab Deals/Gyftr up to 5X on up to Rs 2 lakh (no accelerated tier). Aggregator reports 35 RP per Rs 200 on UPI via Magnus RuPay, capped at Rs 50,000 UPI spend a month (not on issuer page).","reward_caps":"35-point tier applies only to spend above Rs 1.5 lakh a calendar month and is capped at spend up to assigned credit limit + Rs 1.5 lakh a month (issuer page). Rent counts only up to Rs 50,000 a month. Transfers capped at 5,00,000 points a year: 1,00,000 to Group A, 4,00,000 to Group B.","reward_exclusions":"No points at all: utilities/telecom (MCC 4814, 4816, 4899, 4900), government (9222, 9311, 9399, 9402), insurance, fuel, gold/jewellery, gift cards, bridge fees, road fees and tolls. No accelerated points: wallet loads (6540), rent (6513), EMI. Cash, fees and reversals excluded. Gift cards excluded from fee-waiver spend from 28 Aug 2026.","point_value":"Rs 0.20 per point on Pay by Rewards / catalogue (min 2,500 points for cash). Transfers 5 points : 2 miles for standard partners; 5:1 for Accor, Cathay and Qatar.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 12 points per Rs 200 x 5:2 transfer = 2.4 miles per Rs 100, valued at Re 1 a mile (assumption). At the issuer cash value of Rs 0.20 the base is 1.2%. Above Rs 1.5 lakh a month the rate is 35 per Rs 200 (7 miles per Rs 100). No redemption fee found in MITC or EDGE T&C. Accelerated points credit 45 days after month end. Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"Issuer page: 2 partner miles for every 5 EDGE RP across 20 travel partners. Per trackers: 5:1 to Accor, Cathay, Qatar. Annual cap 1,00,000 points Group A + 4,00,000 Group B.","lounge_domestic":"Unlimited visits to select airport lounges in India (primary and add-on)","lounge_international":"Unlimited for primary cardholder via Priority Pass, plus 4 guest visits a year (issuer page)","lounge_conditions":"Domestic: needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024, issuer lounge document); waived in issuance month + next 3 months. International guest visits: 4 a year with Priority Pass (revised 20 Apr 2024, issuer page).","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 a month (issuer page)","milestone_benefits":"None. The 25,000-point monthly milestone was withdrawn from 1 Sep 2023.","other_freebies":"Issuer page: discounts at 4,000+ restaurants (Dining Delights); purchase protection and lost card liability cover; 15% off bed-and-breakfast rates at The Leela Palaces (stated valid till 30 Sep 2026). Aggregator only: credit shield Rs 5 lakh, baggage loss/delay USD 500. BookMyShow BOGO and concierge reported removed in 2024.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"Waived (interest still applies)","eligibility":"Age 18-70 (add-on 18+); net salary or ITR income of Rs 24 lakh a year; resident of India. Lifetime-free Magnus for Burgundy Salary Account holders (account opened on/after 1 Jul 2026) with net monthly salary credit of Rs 2 lakh or more, on first salary credit.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-accelerated-35-edge-reward-points.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/mgtc.pdf","https://campaign.axisbank.com/generic/terms-and-conditions-miles-transfer-program-final.pdf","https://cardinsider.com/axis-bank/axis-bank-magnus-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["networks","transfer_partners","transfer_ratio","accelerated_earn"],"date_read":"2026-10-31","notes":"Before the 2026-10-12 page read: fees, forex, interest from MITC; earn rules from Axis T&C PDFs. Group A cap (1 lakh points = 40,000 miles a year) now covers KrisFlyer, Flying Blue, Air India and Qantas, so the 5:2 ratio is usable on only 40,000 miles a year to those programmes. Rent 1% fee; 1% fee on wallet loads from Rs 10,000, utilities from Rs 25,000, fuel from Rs 50,000, gaming from Rs 10,000 per cycle, and on education paid through third-party apps. Product page read 2026-10-12 confirms fee, Rs 25 lakh waiver, welcome voucher, 12/35 RP earn, 5X Travel EDGE, 3% interest, 2% forex, no cash withdrawal fee, fuel waiver, lounge. Page links 'Mastercard' offers in its footer but does not state the card network. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (cardinsider) 'age 21-70, income Rs 24 lakh or existing card with Rs 3 lakh limit' -> issuer 'age 18-70, Rs 24 lakh salary/ITR' | transfer partner count: old list of 27 programmes (third-party trackers) -> issuer page says '20 travel partners' without naming them; list kept as unverified | lounge guest visits: old issuer 2023 T&C said 8 Priority Pass guest visits -> issuer page says 4 a year since 20 Apr 2024 | other_freebies: aggregator listed Oberoi hotel discounts; issuer page lists Leela Palaces (to 30 Sep 2026) and no Oberoi offer, so Oberoi removed","id":44,"depth":"full","slug":"axis-magnus","url":"https://m16s.in/cards/axis-magnus/"},{"issuer":"Axis Bank","card_name":"Magnus for Burgundy","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":30000,"annual_fee":30000,"fee_waiver_spend":3000000,"fee_notes":"For Burgundy customers only. Renewal waived on Rs 30 lakh eligible spend; same excluded categories as Magnus. An older zero-fee 'Burgundy special offering' on Magnus existed for qualifying Burgundy relationships.","welcome_benefit":"One voucher worth Rs 5,000 (Luxe gift card, Postcard Hotels or Yatra) for new Magnus for Burgundy cards; not for upgrades from Magnus (issuer page)","reward_currency":"EDGE Reward Points","base_earn":"12 EDGE RP per Rs 200 up to Rs 1.5 lakh a calendar month; 35 per Rs 200 above that (same structure as Magnus)","base_return_pct":4.8,"accelerated_earn":"Travel EDGE: 60 RP per Rs 200 up to Rs 2 lakh a month, then 35 per Rs 200","reward_caps":"Transfers capped at 10,00,000 points a calendar year: 2,00,000 to Group A, 8,00,000 to Group B (issuer T&C). Rent counts up to Rs 50,000 a month.","reward_exclusions":"No base or accelerated points on insurance (MCC 6300, 6381, 5960, 6051, 6012), fuel (5541, 5542, 5983), gold/jewellery (5094, 5944), utilities, government. No accelerated points on wallet, rent, EMI.","point_value":"Rs 0.20 per point on Pay by Rewards (min 2,500 points). Transfers 5 points : 4 miles for standard partners; 5:2 to Accor, Cathay, Qatar.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 12 points per Rs 200 x 5:4 = 4.8 miles per Rs 100 at Re 1 a mile (assumption); 1.2% at the Rs 0.20 cash value. Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"Issuer page: up to 4 partner miles for every 5 EDGE RP across 20 travel partners. Per trackers: 5:2 to Accor, Cathay, Qatar. Annual cap 2,00,000 points Group A + 8,00,000 Group B.","lounge_domestic":"Unlimited for primary and add-on cardholders; 4 guest visits per calendar year","lounge_international":"Unlimited via Priority Pass; 4 guest visits per card anniversary year","lounge_conditions":"Domestic access needs Rs 50,000 spend in previous 3 calendar months from 1 May 2024 (waived in issuance month + 3). Guest visits cut from 8 to 4 on 20 Apr 2024.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC)","milestone_benefits":"None found","other_freebies":"4 airport meet-and-assist services per calendar year (cut from 8 on 20 Apr 2024). BookMyShow BOGO and 24x7 concierge discontinued 20 Apr 2024.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"Waived (interest still applies)","eligibility":"Axis Burgundy customers. Burgundy criteria in issuer documents: Rs 10 lakh average monthly balance in savings or across savings and current, or Rs 30 lakh total relationship value (Rs 1 crore incl. demat), or net salary credit above Rs 3 lakh a month, or NRI remittances of Rs 40 lakh in 12 months.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-for-burgundy-terms-and-conditions.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-accelerated-35-edge-reward-points.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/mgtc.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://campaign.axisbank.com/generic/terms-and-conditions-miles-transfer-program-final.pdf","https://cardinsider.com/axis-bank/axis-bank-magnus-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["base_earn","accelerated_earn","transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"Documented from MITC and the Magnus for Burgundy T&C PDF. Base earn rate is not restated in the Burgundy T&C read; taken as identical to Magnus per the accelerated-points T&C. Miles & More transfers hit the 2,00,000-mile partner cap before the Group B cap. Shares the Magnus product page, which confirms the Rs 30,000 fee, Rs 30 lakh waiver, Rs 5,000 welcome voucher and the 5:4 headline transfer rate. The page does not restate a separate base earn rate for the Burgundy variant. Conflicts resolved from issuer page read 2026-10-12: transfer partner count: old list of 27 programmes (third-party trackers) -> issuer page says '20 travel partners' without naming them; list kept as unverified","id":45,"depth":"full","slug":"axis-magnus-for-burgundy","url":"https://m16s.in/cards/axis-magnus-for-burgundy/"},{"issuer":"Axis Bank","card_name":"Reserve","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":50000,"annual_fee":50000,"fee_waiver_spend":3500000,"fee_notes":"Renewal waived on Rs 35 lakh eligible spend; rent, wallet, utilities, government, EMI, insurance, gold, fuel, gift cards do not count.","welcome_benefit":"Aggregator: 15,000 EDGE RP on activation. The 50,000-point annual benefit was discontinued on 20 Apr 2024 (issuer T&C).","reward_currency":"EDGE Reward Points","base_earn":"15 EDGE RP per Rs 200","base_return_pct":3.0,"accelerated_earn":"2X (30 RP per Rs 200) on international spend","reward_caps":"Rent rewarded only up to Rs 1 lakh a month (aggregator). Transfers capped at 1,00,000 points Group A + 4,00,000 Group B a year (issuer).","reward_exclusions":"Insurance (MCC 5960, 6300, 6381, 6051, 6012), fuel (5541, 5542, 5983), gold/jewellery (5094, 5944), wallet (6540), plus earlier exclusions (utilities, government)","point_value":"Rs 0.20 per point on Pay by Rewards (min 2,500 points). Transfers 5:2 standard; 5:1 to Accor, Cathay, Qatar.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 15 points per Rs 200 x 5:2 = 3 miles per Rs 100 at Re 1 a mile (assumption); 1.5% at Rs 0.20 cash value. Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"5 EDGE RP : 2 partner miles (standard); 5:1 to Accor, Cathay, Qatar. Annual cap 1,00,000 points Group A + 4,00,000 Group B.","lounge_domestic":"Unlimited domestic lounge visits (issuer page); spend condition waived (issuer lounge document)","lounge_international":"Unlimited via complimentary Priority Pass membership (issuer page)","lounge_conditions":"12 complimentary guest visits a year (aggregator). No spend criterion (issuer lounge document).","forex_markup_pct":1.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC)","milestone_benefits":"None","other_freebies":"Issuer page: complimentary airport concierge services; Club ITC Culinaire, Accor Plus and Club Marriott Asia Pacific memberships; 15% savings at Postcard Hotels; complimentary golf rounds (count not stated on page; aggregator says 50 a year); EazyDiner Prime membership; complimentary BookMyShow tickets; Swiggy One membership; Extraordinary Weekends experiences. Luxury airport transfers discontinued 20 Apr 2024; Oberoi hotel offers discontinued 1 Oct 2025. Aggregator only: purchase protection Rs 2 lakh.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"Waived (interest still applies)","eligibility":"Invite-only per aggregators; criteria not published","source_product_page":"https://www.axis.bank.in/cards/credit-card/reserve-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/reserve-credit-card-terms-and-conditions.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://campaign.axisbank.com/generic/terms-and-conditions-miles-transfer-program-final.pdf","https://cardinsider.com/axis-bank/axis-bank-reserve-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["status","welcome_benefit","base_earn","accelerated_earn","reward_caps","lounge_conditions","transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"Fees, forex, interest, exclusions and transfer caps are from issuer documents; earn rate and memberships are from an aggregator page last updated Apr 2026, and ITC/Marriott/Accor tie-ups have changed since, so check memberships before paying the fee. Product page read 2026-10-12 is a short brochure page: it states no fee, earn rate, welcome benefit, guest-visit count or eligibility, and does not say the card is invite-only (title reads 'Apply for Reserve Credit Card Online'). Those fields stay as before. Conflicts resolved from issuer page read 2026-10-12: other_freebies: old (cardinsider) listed Oberoi hotel discounts -> issuer page says Oberoi offers discontinued w.e.f. 1 Oct 2025 | notes: old entry warned ITC/Marriott/Accor memberships may have changed -> issuer page of 2026-10-12 still lists Club ITC Culinaire, Accor Plus and Club Marriott","id":46,"depth":"full","slug":"axis-reserve","url":"https://m16s.in/cards/axis-reserve/"},{"issuer":"Axis Bank","card_name":"Burgundy Private","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":100000,"annual_fee":100000,"fee_waiver_spend":null,"fee_notes":"'Burgundy Private - The One Card'. Fee is complimentary if total relationship value is Rs 5 crore or more in the month before the fee is levied (MITC). No spend-based waiver.","welcome_benefit":null,"reward_currency":"EDGE Reward Points","base_earn":"15 EDGE RP per Rs 200","base_return_pct":6.0,"accelerated_earn":null,"reward_caps":"Insurance spend capped at 6,000 points a month (aggregator). Transfers capped at 3,00,000 points Group A + 12,00,000 Group B a year.","reward_exclusions":"Government, gold/jewellery, fuel, utilities (aggregator)","point_value":"Rs 0.20 per point on Pay by Rewards (min 2,500 points). Transfers 5 points : 4 miles across partners, including Accor, Cathay, Qatar.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 15 points per Rs 200 x 5:4 = 6 miles per Rs 100 at Re 1 a mile (assumption); 1.5% at Rs 0.20 cash value. Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"5 EDGE RP : 4 partner miles on all partners. Annual cap 3,00,000 points Group A + 12,00,000 Group B.","lounge_domestic":"Unlimited for primary and add-on cardholders; spend condition waived","lounge_international":"Unlimited via Priority Pass","lounge_conditions":"12 domestic and 12 international guest visits a year (aggregator)","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":"Aggregator: 50 golf rounds a year, 8 airport concierge services, Club Marriott, Taj Epicure and Accor Plus memberships, BookMyShow BOGO, EazyDiner, air accident cover Rs 4.5 crore, concierge","interest_rate_monthly_pct":1.5,"late_payment_fee":"Waived","cash_advance_fee":"Waived; no interest on cash withdrawals until due date","eligibility":"Axis Burgundy Private clients (aggregator: total relationship value Rs 5 crore+)","source_product_page":null,"source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://campaign.axisbank.com/generic/terms-and-conditions-miles-transfer-program-final.pdf","https://cardinsider.com/axis-bank/axis-bank-burgundy-private-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["status","base_earn","reward_caps","reward_exclusions","lounge_international","lounge_conditions","other_freebies","eligibility","transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"Axis's Burgundy Private T&C PDF returned an error. Fees, forex (nil), interest (1.5%), late fee and cash fee waivers and lounge are from MITC and the lounge programme document; rewards and memberships are aggregator data. Over-limit, cheque-return and branch cash-payment fees are waived.","id":47,"depth":"full","slug":"axis-burgundy-private","url":"https://m16s.in/cards/axis-burgundy-private/"},{"issuer":"Axis Bank","card_name":"Primus","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":500000,"annual_fee":300000,"fee_waiver_spend":null,"fee_notes":"Cards issued up to 31 Jul 2024: Rs 1,80,000 joining and annual. First add-on free; further add-ons (up to 4) Rs 25,000 each a year (Rs 15,000 on older cards). No spend waiver.","welcome_benefit":"Choose within 30 days: 25,000 EDGE Miles (= 1,25,000 partner miles) or ITC Hotels e-vouchers worth Rs 40,000. Renewal: 15,000 EDGE Miles or ITC vouchers worth Rs 20,000.","reward_currency":"EDGE Miles","base_earn":"1 EDGE Mile per Rs 100 on all transactions","base_return_pct":5.0,"accelerated_earn":"None; quarterly milestones instead","reward_caps":"No earn cap stated. Transfer caps not stated for this card.","reward_exclusions":"Only EMIs, balance conversions/transfers, cash withdrawals, fees, charges and GST. Milestone has no MCC exclusions.","point_value":"Welcome and renewal miles convert at 1 EDGE Mile : 5 partner miles; ongoing transfer ratios are 'dynamic' per issuer T&C. Min 500 miles for catalogue, Travel EDGE or partner-outlet redemption.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 EDGE Mile per Rs 100 x 1:5 = 5 partner miles per Rs 100 at Re 1 a mile (assumption). Milestone miles add to this. Pay by Rewards (cashback) live from 15 Aug 2024; rupee value per mile not stated.","transfer_partners":["AirAsia Rewards","Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","Ethiopian Airlines ShebaMiles","Etihad Guest","IHG One Rewards","JAL Mileage Bank","Qantas Frequent Flyer","Singapore Airlines KrisFlyer","SpiceJet SpiceClub","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Wyndham Rewards"],"transfer_ratio":"1 EDGE Mile : 5 partner miles (fixed for welcome/renewal offers; current ratio per partner shown on Axis portal)","lounge_domestic":"Unlimited for primary and add-on cardholders; 12 guest visits per calendar year","lounge_international":"Unlimited Priority Pass for primary and add-on; 12 guest visits a year","lounge_conditions":"No spend condition. Rs 2 authorisation at domestic lounges.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 400-10,000 fuel transactions (MITC; cap amount not printed)","milestone_benefits":"Per calendar quarter: Rs 20-30 lakh spend 15,000 EDGE Miles; Rs 30.01-50 lakh 25,000; above Rs 50 lakh 35,000. Credited within 45 days of quarter end.","other_freebies":"Companion business/first air ticket or up to 15% off international premium fares; one free hotel night on two paid nights (900+ hotels); airport meet-and-greet and luxury transfers with business-class tickets; unlimited domestic golf + 4 international rounds; Taj Epicure (first year); Bloomberg subscription; relationship-manager concierge; lost card cover Rs 25 lakh.","interest_rate_monthly_pct":1.0,"late_payment_fee":"Waived","cash_advance_fee":"Waived","eligibility":"By invitation; criteria not published","source_product_page":null,"source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-axis-bank-primus-credit-card.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-primus-credit-card/"],"source_quality":"primary","unverified_fields":["status","transfer_partners","points_expiry"],"date_read":"2026-10-31","notes":"Rent fee nil, over-limit and cheque-return fees waived, DCC markup nil (MITC). Airfare offer carries a Rs 3,950 ticketing fee and taxes. Partner list is from an aggregator and predates the 2026 partner reshuffle.","id":48,"depth":"full","slug":"axis-primus","url":"https://m16s.in/cards/axis-primus/"},{"issuer":"Axis Bank","card_name":"Olympus","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":20000,"annual_fee":20000,"fee_waiver_spend":null,"fee_notes":"No spend waiver. Successor to Citi Prestige; aggregator says only Citi-migrated customers hold it.","welcome_benefit":"Taj or ITC hotel vouchers worth Rs 10,000 plus 2,500 EDGE Miles on first transaction within 30 days; both repeat every renewal.","reward_currency":"EDGE Miles","base_earn":"1 EDGE Mile per Rs 100 domestic","base_return_pct":4.0,"accelerated_earn":"2 EDGE Miles per Rs 100 on international spend","reward_caps":"No earn cap. Transfers capped at 1,50,000 EDGE Miles Group A + 6,00,000 Group B a year.","reward_exclusions":"Transportation and tolls, utilities, insurance, educational institutions, government, wallet, rent, fuel; EMIs, cash, fees","point_value":"Re 1 per EDGE Mile on Pay by Rewards and SMS redemption (min 500 miles). Transfers 1 EDGE Mile : 4 partner miles standard; 1:2 to Accor, Cathay, Qatar, British Airways, Finnair, Lotusmiles.","points_expiry":"Citi-migrated points do not expire; miles earned from 15 Jul 2024: 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 EDGE Mile per Rs 100 x 1:4 = 4 partner miles per Rs 100 at Re 1 a mile (assumption); 1% at issuer cash value. International 8 miles per Rs 100 before the 1.8% markup. Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"1 EDGE Mile : 4 partner miles (standard, incl. Miles & More); 1:2 for reduced-tier partners. Annual cap 1,50,000 EDGE Miles Group A + 6,00,000 Group B; Miles & More binds at 50,000 EDGE Miles.","lounge_domestic":"Unlimited for primary and add-on cardholders; 10 guest visits per calendar year","lounge_international":"Unlimited Priority Pass for primary and add-on; 10 guest visits per anniversary year","lounge_conditions":"No spend condition. Rs 2 or Rs 25 authorisation at domestic lounges.","forex_markup_pct":1.8,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 500 per statement cycle (MITC)","milestone_benefits":"None","other_freebies":"8 golf rounds/lessons a year plus 1 per extra Rs 50,000 spent; Hotels.com third night free twice a year; 8 domestic airport concierge services; 2 airport transfers a year; Taj Epicure membership; BookMyShow second ticket up to Rs 650 (movies) / Rs 1,000 (events) twice a month each; lost card cover Rs 10 lakh.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2% of amount, min Rs 300","eligibility":"Not published; issued to migrated Citi Prestige customers","source_product_page":null,"source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://campaign.axis.bank.in/generic/terms-and-conditions-olympus.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-olympus-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"primary","unverified_fields":["status","transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"Issuer T&C updated effective 20 Aug 2026. Rent fee nil; over-limit fee waived; cheque-return fee Rs 350 (MITC). Aggregator quotes 3.6% monthly interest; MITC says 3.0%.","id":49,"depth":"full","slug":"axis-olympus","url":"https://m16s.in/cards/axis-olympus/"},{"issuer":"Axis Bank","card_name":"Horizon","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil for customers with a Burgundy Savings Account opened on/after 1 Jul 2026 (one lifetime-free Axis card per Burgundy customer; needs Burgundy relationship to continue). No spend waiver. Citi PremierMiles cards were migrated to Horizon.","welcome_benefit":"5,000 EDGE Miles on first transaction of Rs 1,000 or more within 30 days of issuance (not on lifetime-free cards). Renewal: 1,500 EDGE Miles on completion of each anniversary year (not on lifetime-free cards).","reward_currency":"EDGE Miles","base_earn":"2 EDGE Miles per Rs 100","base_return_pct":2.0,"accelerated_earn":"5 EDGE Miles per Rs 100 on Axis Travel EDGE and direct airline spend (website, counter, helpline). Travel agents and OTAs earn 2.","reward_caps":"No earn cap stated. Transfers capped at 1,00,000 EDGE Miles Group A + 4,00,000 Group B a year.","reward_exclusions":"Transportation and tolls (MCC 4111, 4121, 4131, 4784), utilities (4814, 4816, 4899, 4900), insurance, education, government, wallet (6540), rent (6513), fuel; EMIs, cash, fees","point_value":"Re 1 per EDGE Mile on Pay by Rewards and travel (min 500 miles); Rs 0.65 on dining/grocery/retail and Rs 0.45 on other categories via SMS redemption. Transfers 1:1 standard; 2:1 to Accor, Cathay, Qatar, British Airways, Finnair, Lotusmiles.","points_expiry":"Citi-migrated points do not expire; miles earned from 15 Jul 2024: 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 2 EDGE Miles per Rs 100 at Re 1 a mile (issuer Pay by Rewards value; 1:1 transfer gives the same count of partner miles). Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"1 EDGE Mile : 1 partner mile (standard, incl. Miles & More); 2:1 for reduced-tier partners. Annual cap 1,00,000 Group A + 4,00,000 Group B.","lounge_domestic":"6 per quarter (Mastercard World) or 8 per quarter (Visa Signature)","lounge_international":"2 per calendar quarter (8 a year)","lounge_conditions":"Primary cardholder only; no spend condition. Refundable authorisation: Rs 2 (Visa) / Rs 25 (Mastercard) domestic, USD 1 international.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 400 per statement month","milestone_benefits":"None","other_freebies":"Lost card liability cover Rs 10 lakh; Dining Delights restaurant discounts; Wednesday offers (up to 15% off MakeMyTrip, 10% off Swiggy, 10% off up to Rs 1,000 on Tira)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (above 10,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/ld/terms-and-conditions-for-horizon-credit-card.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-horizon-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: documented from Axis Horizon T&C PDF, MITC, EDGE Rewards T&C and the lounge programme document. Product page read 2026-10-12 confirms fees, earn rates (2 and 5 EDGE Miles per Rs 100), 1 EDGE Mile = Re 1, lounge counts, 3.5% forex, 3.75% interest and the fuel waiver. Other charges on page: redemption fee not listed; 1% fee on rent, wallet loads from Rs 10,000, utilities from Rs 25,000, fuel from Rs 50,000, gaming from Rs 10,000 per cycle and education via third-party apps. Page does not name transfer partners or ratios.","id":50,"depth":"full","slug":"axis-horizon","url":"https://m16s.in/cards/axis-horizon/"},{"issuer":"Axis Bank","card_name":"Atlas","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"No spend waiver. Tier-linked EDGE Miles on fee payment: Gold 2,500, Platinum 5,000, Silver none.","welcome_benefit":"2,500 EDGE Miles on first transaction within 37 days of issuance (cards sourced from 20 Apr 2024); once per cardholder","reward_currency":"EDGE Miles","base_earn":"2 EDGE Miles per Rs 100","base_return_pct":4.0,"accelerated_earn":"5 EDGE Miles per Rs 100 on Travel EDGE, direct airline (MCC 3000-3350, 4511) and direct hotel (3501-3838, 7011) spend up to Rs 2 lakh a month, then 2. Travel agents/OTAs earn 2.","reward_caps":"Accelerated rate on first Rs 2 lakh of travel spend a month. Transfers capped at 1,50,000 EDGE Miles a year: 30,000 Group A, 1,20,000 Group B.","reward_exclusions":"Gold/jewellery, rent, wallet, government, insurance, fuel, utilities and telecom, gift cards; bridge, road and toll fees from 21 Aug 2026. Same list excluded from milestone and tier spend.","point_value":"Re 1 per EDGE Mile on Travel EDGE and Pay by Rewards (min 500 miles); miles cannot be encashed otherwise. Transfers 1 EDGE Mile : 2 partner miles standard; 1:1 to Miles & More; 2:1 to Accor, Cathay, Qatar, British Airways, Finnair, Lotusmiles.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 2 EDGE Miles per Rs 100 x 1:2 = 4 partner miles per Rs 100 at Re 1 a mile (assumption); 2% at issuer rupee value (1 EDGE Mile = Re 1, issuer page). Redemption fee Rs 99 per redemption on the EDGE portal and Rs 199 per transfer to a partner programme, plus GST (issuer page). Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"Issuer page: 1 EDGE Mile = 2 partner miles under the miles transfer programme. Per trackers: 1:1 to Miles & More; 2:1 to reduced-tier partners. Annual cap 30,000 EDGE Miles Group A + 1,20,000 Group B.","lounge_domestic":"Silver 8, Gold 12, Platinum 18 a year (including guests)","lounge_international":"Silver 4, Gold 6, Platinum 12 a year (including guests)","lounge_conditions":"Tier by anniversary-year spend: Silver default, Gold Rs 7.5 lakh, Platinum Rs 15 lakh. No 3-month spend criterion. Issuer T&C notes the international lounge programme as 'under maintenance'.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":"2,500 EDGE Miles at Rs 3 lakh, 2,500 more at Rs 7.5 lakh, 5,000 more at Rs 15 lakh annual spend","other_freebies":"EazyDiner 25% off up to Rs 800 (aggregator). Concierge, meet-and-assist and airport transfers discontinued.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70 (add-on 18+); net annual income Rs 12 lakh (salaried) or Rs 15 lakh (self-employed); resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-atlas-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-of-features-of-axis-bank-atlas-credit-card.pdf","https://campaign.axis.bank.in/generic/axis-atlas-credit-card-terms-and-conditions.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-atlas-credit-card/","https://cardtrail.in/news/axis-atlas-discontinued-2026/","https://livefromalounge.com/dont-cancel-axis-atlas-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["status","transfer_partners","transfer_ratio","other_freebies"],"date_read":"2026-10-12","notes":"Status: Axis has made no public announcement. Cardinsider labels Atlas 'Discontinued' (page of 23 Sep 2026) and Cardtrail reports customer care confirming no new applications from early 2026; Atlas is absent from Axis's current listing menu. Existing cards keep earning. After Sep 2026 the 30,000-mile Group A cap covers KrisFlyer, Flying Blue, Air India and Qantas, so only 60,000 partner miles a year can go to those programmes. Product page read 2026-10-12 confirms fees, welcome miles, tier and milestone miles, lounge counts by tier (4/6/12 international, 8/12/18 domestic), earn rates, 3.5% forex and the Rs 99/Rs 199 redemption fees that were previously aggregator-only. Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' rests on cardinsider/cardtrail -> issuer page of 2026-10-12 is still live with eligibility criteria and carries no closure notice; status left as closed-to-new and unverified because the page has no apply statement either","id":51,"depth":"full","slug":"axis-atlas","url":"https://m16s.in/cards/axis-atlas/"},{"issuer":"Axis Bank","card_name":"Select","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":800000,"fee_notes":"Nil for Burgundy customers (Rs 3,000 + GST applies if Burgundy status ends). Renewal waived on Rs 8 lakh spend in a card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift cards do not count.","welcome_benefit":"10,000 EDGE RP worth Rs 2,000 on first transaction within 30 days of issuance; not for lifetime-free cards or Burgundy account holders (issuer page)","reward_currency":"EDGE Reward Points","base_earn":"10 EDGE RP per Rs 200","base_return_pct":1.0,"accelerated_earn":"2X (20 EDGE RP per Rs 200) on retail shopping up to cumulative Rs 20,000 a month, 10 per Rs 200 after that. Retail shopping = department stores, grocery stores, clothing and accessory stores (women's, children's, family, misc apparel).","reward_caps":"2X rate on first Rs 20,000 of retail spend a month. Transfers capped at 1,00,000 points Group A + 4,00,000 Group B a year.","reward_exclusions":"Insurance, rent, fuel, education, utilities and telecom, wallet, gold/jewellery, government services, gift cards, bridge fees, road fees and tolls. Points are debited for transactions converted to EMI.","point_value":"Rs 0.20 per point; transfers 10 points : 1 mile (5:1 to SpiceJet and AirAsia)","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 10 points per Rs 200 x Rs 0.20 (10,000 points = Rs 2,000 per issuer page) = 1.0%. Reward redemption fee Rs 99 (issuer page). Transfers at 10:1 are worth less than cash value unless a mile is valued above Rs 2.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"10 EDGE RP : 1 partner mile; 5:1 to SpiceJet and AirAsia. Annual cap 1,00,000 points Group A + 4,00,000 Group B.","lounge_domestic":"2 per quarter","lounge_international":"Up to 12 a year via Priority Pass (issuer page). Priority Pass renews on Rs 3 lakh spend in the preceding card anniversary year; from 1 Oct 2026 the 6 additional visits and renewal are judged on spend excluding insurance, utilities and telecom, gold, education, government, rent, fuel, wallets and gift cards.","lounge_conditions":"Domestic: needs Rs 50,000 spend in the last 3 months (issuer page); waived in issuance month + next 3 months; guests paid. Priority Pass no longer valid at domestic lounges in India from 28 Aug 2026; use the card itself.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":"5,000 EDGE RP on Rs 3 lakh spend in a card anniversary year. Rs 3 lakh also unlocks 6 extra golf rounds, 6 extra international lounge visits and Priority Pass renewal. Annual fee waived at Rs 8 lakh.","other_freebies":"6 golf rounds a year (+6 at Rs 3 lakh spend); District BOGO movie ticket up to Rs 250 off twice a month (T&C: from 1 Nov 2026 only with Rs 25,000 spend in previous 3 months); Swiggy flat Rs 200 off twice a month on Rs 1,000+ orders; BigBasket flat Rs 500 off once a month on Rs 2,500+; purchase protection up to Rs 1 lakh; cumulative USD 500 cover for loss of travel documents and delay/loss of check-in baggage; Dining Delights; Extraordinary Weekends; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; net income at least Rs 6 lakh a year","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://campaign.axisbank.com/generic/terms-and-conditions-miles-transfer-program-final.pdf","https://cardinsider.com/axis-bank/axis-bank-select-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["networks","transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: the Select T&C PDF read lists only 2026 changes: DCC markup raised from 1.5% to 3.5% and top late-fee slab set at Rs 1,300 from 28 Aug 2026; complimentary memberships renew only with customer consent from 15 Nov 2026. Product page read 2026-10-12 confirms fees, Rs 8 lakh waiver, 3.5% forex, 3.75% interest, earn rates and benefits. Page does not state card network or transfer partners.","id":52,"depth":"full","slug":"axis-select","url":"https://m16s.in/cards/axis-select/"},{"issuer":"Axis Bank","card_name":"Privilege","cobrand_partner":null,"networks":["Visa","Mastercard","Amex"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":500000,"fee_notes":"Issuer fee table shows joining and annual fee as 'Nil (limited period offer on Amex network)'; the standard annual fee of Rs 1,500 is reversed on Rs 5 lakh spend in the previous card anniversary year. Waiver spend excludes utilities and telecom, rent, wallet, government, insurance, gold and jewellery, fuel, education, gift cards, bridge/road fees and tolls.","welcome_benefit":"12,500 EDGE RP (vouchers worth Rs 2,500) when the joining fee is charged and a first transaction is made within 30 days of issuance. Free cards, first-year-free cards and priority-segment customers are not eligible.","reward_currency":"EDGE Reward Points","base_earn":"10 EDGE RP per Rs 200","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Transfers capped at 1,00,000 points Group A + 4,00,000 Group B a year","reward_exclusions":"Insurance, rent, fuel, education, utilities, government, wallet, gold and jewellery, gift cards, bridge fees, road fees and tolls. Points are debited for transactions converted to EMI.","point_value":"Rs 0.20 per point; transfers 10 points : 1 mile (5:1 to SpiceJet and AirAsia)","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 10 points per Rs 200 x Rs 0.20 (issuer page: 10,000 points worth Rs 2,000) = 1.0%. Milestone adds 0.8% at exactly Rs 2.5 lakh spend. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"10 EDGE RP : 1 partner mile; 5:1 to SpiceJet and AirAsia. Annual cap 1,00,000 Group A + 4,00,000 Group B.","lounge_domestic":"2 per calendar quarter at select domestic lounges","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the prior 3 months (issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":"10,000 EDGE RP (Rs 2,000) on Rs 2.5 lakh spend in a card anniversary year","other_freebies":"District BOGO movie ticket up to Rs 250 off once a month; purchase protection up to Rs 1 lakh; credit shield Rs 1 lakh; loss of travel documents cover up to USD 300, check-in baggage delay up to USD 300, baggage loss up to USD 500; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70 (add-on 18+); Indian resident. No income figure published on the issuer page.","source_product_page":"https://www.axis.bank.in/cards/credit-card/privilege-credit-card-with-unlimited-benefits","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://campaign.axis.bank.in/generic/axis-privilege-credit-card-terms-and-conditions.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-axis-bank-privilege-credit-card.pdf","https://www.axis.bank.in/cards/credit-card","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://campaign.axis.bank.in/generic/list-of-eligible-cards.pdf","https://cardinsider.com/axis-bank/axis-bank-privilege-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: welcome, milestone, waiver and lounge rules are from Axis T&C PDFs. A lifetime-free card does not get the welcome points (they need the joining fee to be charged). Product page read 2026-10-12 confirms earn rate, milestone, lounge, 3.5% forex and 3.75% interest. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (cardinsider) 'age 18-70, income Rs 6 lakh a year' -> issuer page states no income figure | networks: old 'Visa, Mastercard' -> issuer page also shows an Amex variant (lifetime-free limited offer); Visa itself is not named on the page","id":53,"depth":"full","slug":"axis-privilege","url":"https://m16s.in/cards/axis-privilege/"},{"issuer":"Axis Bank","card_name":"Privilege Easy","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","secured"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":500000,"fee_notes":"FD-backed version of Privilege. Joining fee Rs 1,500 (nil for Priority customers only); annual fee Rs 1,500, reversed on Rs 5 lakh spend in the previous card anniversary year. Waiver spend excludes utilities and telecom, rent, wallet, government, insurance, gold and jewellery, fuel, education, bridge/road fees and tolls.","welcome_benefit":"12,500 EDGE RP (vouchers worth Rs 2,500) when the joining fee is charged and a first transaction is made within 30 days of issuance. Free cards, first-year-free cards and priority-segment customers are not eligible.","reward_currency":"EDGE Reward Points","base_earn":"10 EDGE RP per Rs 200","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on fuel (issuer page). Other exclusions not stated on the Privilege Easy page.","point_value":"Rs 0.20 per point against vouchers (issuer page: 12,500 points worth Rs 2,500)","points_expiry":null,"reward_notes":"base_return_pct = 10 points per Rs 200 x Rs 0.20 = 1.0%, both from the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter at select domestic airport lounges","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel transactions of Rs 400-4,000 (page prints 4,001), cap Rs 400 a month","milestone_benefits":"10,000 EDGE RP (worth Rs 2,000) on Rs 2.5 lakh spend in a card anniversary year","other_freebies":"District BOGO movie ticket; purchase protection up to Rs 1 lakh; credit shield Rs 1 lakh; loss of travel documents cover up to USD 300, check-in baggage delay up to USD 300, baggage loss up to USD 500; Dining Delights; Extraordinary Weekends; Wednesday offers","interest_rate_monthly_pct":3.4,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Fixed deposit at any Axis Bank branch, minimum Rs 65,000, maximum Rs 25,00,000; assured approval. Minors not eligible. Not issued against tax-saver FDs, flexi/auto-sweep deposits, or FDs held by HUF, society, trust or companies.","source_product_page":"https://www.axis.bank.in/cards/credit-card/privilege-easy-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/cards/credit-card"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Listed by Axis under FD-linked credit cards. Product page read 2026-10-12 supplies fees, welcome, earn, milestone, lounge, insurance and FD eligibility; interest 3.40% a month (49.36% a year) and 3.5% forex match MITC. The page does not state the Rs 50,000 quarterly spend condition for lounge access that the Privilege page carries, nor expiry or transfer terms.","id":54,"depth":"full","slug":"axis-privilege-easy","url":"https://m16s.in/cards/axis-privilege-easy/"},{"issuer":"Axis Bank","card_name":"Rewards","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["rewards","shopping"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Issuer fee table shows joining and annual fee as 'Nil (limited period offer on Amex network)'; MITC standard fee is Rs 1,000. Waiver on Rs 2 lakh anniversary-year spend (cards issued from 1 Mar 2023); rent, wallet, gift cards excluded.","welcome_benefit":"5,000 EDGE RP on cumulative net spend of Rs 1,000 or more within 30 days of issuance; not for lifetime-free or migrated cards","reward_currency":"EDGE Reward Points","base_earn":"2 EDGE RP per Rs 125, unlimited","base_return_pct":0.32,"accelerated_earn":"10X (20 RP per Rs 125) at apparel and department stores","reward_caps":"Accelerated points only on spend up to Rs 7,000 per statement month in the 10X categories (1,008 points per T&C); base rate after that","reward_exclusions":"Transportation and tolls, utilities and telecom, insurance, education, government, wallet and wire transfers, rent, fuel, gift cards","point_value":"Rs 0.20 per point (issuer value chart; Pay by Rewards 2,500 to 1,00,000 points; catalogue min 300). SMS redemption Rs 0.12-0.18. Transfers 10:1 or 5:1.","points_expiry":"3 years from earning date (card T&C); see EDGE T&C for 365-day inactivity lapse","reward_notes":"base_return_pct = 2 points per Rs 125 x Rs 0.20 = 0.32%. Hitting the Rs 30,000 monthly milestone adds 1,500 points (Rs 300), i.e. 1% more on exactly Rs 30,000.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"10 EDGE RP : 1 partner mile; 5:1 to SpiceJet and AirAsia. Annual cap 1,00,000 Group A + 4,00,000 Group B.","lounge_domestic":"2 per quarter at select domestic airports","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 400 per statement cycle","milestone_benefits":"1,500 EDGE RP on Rs 30,000 net spend in a statement month","other_freebies":"Membership bouquet worth up to Rs 1,000 per anniversary year (link sent by SMS within 60 days of eligibility); Swiggy Rs 150 off on Rs 500+ twice a calendar month (code AXISREWARDS); Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/rewards-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-axis-bank-rewards-credit-card.pdf","https://www.axis.bank.in/cards/credit-card","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-rewards-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: documented from the Axis Rewards T&C PDF, MITC and lounge document. Citi Rewards cards were migrated to this product. Product page read 2026-10-12 confirms earn rates, 10X cap, milestone, lounge, fuel waiver, 3.5% forex, 3.75% interest and Rs 0.20 point value. The page names only the Amex network (as the lifetime-free offer); other networks are not stated. Transfer terms are not on the page.","id":55,"depth":"full","slug":"axis-rewards","url":"https://m16s.in/cards/axis-rewards/"},{"issuer":"Axis Bank","card_name":"ACE","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":200000,"fee_notes":"Annual fee Rs 499 from year 2, waived on annual spend above Rs 2 lakh (rent MCC 6513 and wallet loads MCC 6540 do not count). Issuer value chart lists a joining fee reversal of Rs 499; MITC: reversed on Rs 10,000 spend within 45 days.","welcome_benefit":"None","reward_currency":"Cashback","base_earn":"1.5% cashback on other eligible spend, uncapped","base_return_pct":1.5,"accelerated_earn":"5% on utility bill payments (electricity, internet, gas and more), DTH and mobile recharges on Google Pay; 4% on Swiggy, Zomato, Ola","reward_caps":"5% and 4% categories share a cap of Rs 500 per statement","reward_exclusions":"Fuel, EMI, wallet loads, cash, rent (6513), gold/jewellery (5944), insurance, education, government, utilities outside Google Pay (MCC 4814, 4816, 4899, 4900)","point_value":"Cashback credited to statement 3 days before next statement date","points_expiry":"Not applicable","reward_notes":"base_return_pct = 1.5% flat base cashback (was 2% until 19 Apr 2024). No reward redemption fee (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar year at select domestic airports","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 500 per statement (issuer page)","milestone_benefits":"None","other_freebies":"Dining Delights (issuer value chart: up to 15% off, up to Rs 500 monthly)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Aggregator: age 18-70; income not stated","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-ace-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/axis-bank-ace-credit-card-tncs.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-ace-credit-card/"],"source_quality":"mixed","unverified_fields":["eligibility"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: cashback rules from Axis ACE T&C PDF. Not in Axis's current listing menu; aggregators still show it as open to apply. Product page read 2026-10-12 is live and confirms fees, cashback tiers, lounge count, fuel waiver, 3.5% forex and 3.75% interest. The page prints no eligibility section.","id":56,"depth":"full","slug":"axis-ace","url":"https://m16s.in/cards/axis-ace/"},{"issuer":"Axis Bank","card_name":"Flipkart Axis Bank","cobrand_partner":"Flipkart","networks":[],"segment":"entry","card_type":["cashback","shopping","cobrand"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":350000,"fee_notes":"Issuer fee table: joining fee nil (limited period offer); annual fee Rs 500 from year 2, waived on annual spend above Rs 3.5 lakh. Rent (MCC 6513) and wallet loads (MCC 6540) do not count; spend is counted by posting date, so meet the threshold 3 working days before the card anniversary.","welcome_benefit":"Rs 350 of activation benefits: Flipkart voucher worth Rs 250 on first transaction within 30 days (paid cards only, not on first-year-free cards) and 50% off up to Rs 100 on Swiggy food orders for first-time Swiggy users (all cards).","reward_currency":"Cashback","base_earn":"1% cashback on other eligible spend, uncapped","base_return_pct":1.0,"accelerated_earn":"7.5% on Myntra; 5% on Flipkart and Cleartrip; unlimited 4% on preferred merchants (issuer list linked from page; T&C: Swiggy food delivery, Uber, PVR, cult.fit-type partners)","reward_caps":"Myntra capped at Rs 4,000 cashback per statement quarter; Flipkart and Cleartrip Rs 4,000 per statement quarter per merchant; 4% and 1% tiers uncapped. Transactions under Rs 100 earn nothing.","reward_exclusions":"Utilities, telecom, fuel, jewellery/gold, insurance, financial institutions, rent, wallet loads, education, government, gift cards on Flipkart/Myntra, EMI, cash","point_value":"Cashback credited to statement 3 days before statement date","points_expiry":"Not applicable","reward_notes":"base_return_pct = 1% base cashback (issuer page). No reward redemption fee. Flipkart's own T&C page still shows the older 1.5% base; the Axis page and T&C PDF are treated as current.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (ended 20 Jun 2025)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":"None","other_freebies":"Dining Delights restaurant discounts; Wednesday offers; EMI offers on Flipkart","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/cashback-tncs---final.pdf","https://www.flipkart.com/pages/cbc-cashback-product-tnc","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://www.axis.bank.in/cards/credit-card","https://cardinsider.com/axis-bank/flipkart-axis-bank-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: cashback rules from Axis T&C PDF. Flipkart Health is excluded from the 5% tier; only Swiggy food delivery (not Instamart/Genie) earns 4%. Product page read 2026-10-12 confirms cashback tiers and caps, annual fee and waiver, 3.5% forex and 3.75% interest. The card is a multi-cobrand arrangement of Flipkart, Myntra and Cleartrip. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (cardinsider) 'salaried Rs 15,000 a month, self-employed Rs 30,000 a month' -> issuer page gives only age 18-70 and Indian residency | joining_fee: catalog keeps the Rs 500 standard fee; issuer page currently shows joining fee nil as a limited period offer","id":57,"depth":"full","slug":"flipkart-axis-bank","url":"https://m16s.in/cards/flipkart-axis-bank/"},{"issuer":"Axis Bank","card_name":"Flipkart Axis Bank Super Elite","cobrand_partner":"Flipkart","networks":[],"segment":"entry","card_type":["rewards","shopping","cobrand"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Annual fee Rs 500 from year 2, waived on annual spend above Rs 2 lakh (issuer page); rent (MCC 6513) and wallet loads (MCC 6540) do not count. Joining fee amount is blank on the page; MITC lists Rs 500.","welcome_benefit":"500 SuperCoins on card activation; also 2-month YouTube Premium trial, 3-month Gaana Plus trial, 1-year Lenskart Gold, extra Rs 500 off on Myntra select styles (max 3 orders above Rs 2,999), 15% off up to Rs 1,500 on domestic flights via Flipkart Flights, flat 30% off first Flipkart Health medicine order","reward_currency":"Flipkart SuperCoins","base_earn":"2 SuperCoins per Rs 100 on all other eligible spend, uncapped","base_return_pct":2.0,"accelerated_earn":"Flipkart: additional 12 SuperCoins per Rs 100 for Plus members (cap 300 coins a transaction), 6 per Rs 100 for non-Plus (cap 150), on top of the 4 / 2 SuperCoins Flipkart itself issues (capped at 100 a transaction)","reward_caps":"Flipkart earn capped at 300 SuperCoins a transaction (Plus) or 150 (non-Plus); other spend uncapped","reward_exclusions":"EMI, Flipkart gift cards, fuel, rent, cash, jewellery","point_value":"1 SuperCoin = Re 1 on Flipkart","points_expiry":null,"reward_notes":"base_return_pct = 2 SuperCoins per Rs 100 at Re 1 each. All reward data from one aggregator page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions (aggregator)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India or NRI","source_product_page":"https://www.axis.bank.in/cards/credit-card/flipkart-axis-bank-super-elite-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/flipkart-axis-bank-super-elite-credit-card/"],"source_quality":"mixed","unverified_fields":["status","reward_exclusions","point_value","fuel_surcharge_waiver"],"date_read":"2026-10-12","notes":"Still in Axis MITC fee table; aggregator marks it discontinued (page of 19 May 2026). Product page read 2026-10-12 confirms SuperCoin earn rates, caps, 3.5% forex and 3.75% interest. It names a fuel surcharge waiver but gives no range or cap, and does not state the rupee value of a SuperCoin or the exclusion list. Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' rests on an aggregator page of 19 May 2026 -> issuer product page is live on 2026-10-12 with eligibility and documentation sections and no closure notice; status left unchanged and unverified | fee_waiver_spend: MITC showed no waiver -> issuer page states waiver above Rs 2 lakh annual spend (agrees with aggregator)","id":58,"depth":"full","slug":"flipkart-axis-bank-super-elite","url":"https://m16s.in/cards/flipkart-axis-bank-super-elite/"},{"issuer":"Axis Bank","card_name":"Airtel Axis Bank","cobrand_partner":"Airtel","networks":["RuPay"],"segment":"entry","card_type":["cashback","cobrand","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Annual fee Rs 500 from year 2, waived on annual spend above Rs 2 lakh; rent (MCC 6513) and wallet loads (MCC 6540) do not count (issuer page). Add-on card annual fee Rs 100.","welcome_benefit":"Amazon eVoucher worth Rs 250 on first transaction within 30 days of issuance; not for cards issued without a joining fee","reward_currency":"Cashback","base_earn":"1% cashback on other spend","base_return_pct":1.0,"accelerated_earn":"25% on Airtel mobile, broadband, WiFi and DTH bill payments via Airtel Thanks app; 10% on utility bills (gas, electricity etc.) via Airtel Thanks; 10% value back on Zomato, Blinkit and District Movies","reward_caps":"25% tier capped at twice the base cashback earned in the same statement month; 10% utility tier capped at 1x that base cashback. Partner value back max Rs 200 per partner a month, min order Rs 499 on Zomato and Blinkit.","reward_exclusions":"Utilities outside Airtel Thanks, fuel, EMI, rent, government, insurance, education, wallet loads, jewellery, cash, gift cards","point_value":"Cashback credited to statement; partner value back sits in the partner wallet with no expiry","points_expiry":"Not applicable","reward_notes":"base_return_pct = 1% base (issuer page). To earn Rs 250 on the 25% tier a cardholder must first earn Rs 125 of base cashback, i.e. spend Rs 12,500 elsewhere that month. No reward redemption fee. Issuer value chart puts total value at about 4.65% on Rs 3 lakh annual spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (4 a year discontinued 12 Apr 2026)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 500 per statement (issuer page)","milestone_benefits":"None","other_freebies":"Dining Delights 15% off up to Rs 500 (aggregator)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. Apply through the Airtel Thanks app.","source_product_page":"https://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/airtel-axis-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["other_freebies"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: cashback structure from Axis's revised T&C PDF effective 12 Apr 2026. RuPay variant confirmed by aggregator; other network not stated in sources read. Product page read 2026-10-12 confirms cashback tiers and the caps effective 12 Apr 2026, fee waiver, 3.5% forex and 3.75% interest. The page does not state the card network, lounge access or Dining Delights; Wednesday offers (MakeMyTrip/Goibibo, Swiggy, Tira) are listed. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards.","id":59,"depth":"full","slug":"airtel-axis-bank","url":"https://m16s.in/cards/airtel-axis-bank/"},{"issuer":"Axis Bank","card_name":"My Zone","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"No spend waiver in MITC. Aggregator readers report lifetime-free issuance through some channels.","welcome_benefit":"SonyLIV Premium annual subscription worth Rs 1,499 on first purchase within 30 days of issuance (voucher code by SMS within 45 days; also sent within 60 days of annual fee payment)","reward_currency":"EDGE Reward Points","base_earn":"4 EDGE RP per Rs 200","base_return_pct":0.4,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Movies, fuel, insurance, wallet, rent, utilities, education, government institutions, EMI transactions, jewellery, gift cards, bridge fees, road fees and tolls","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%. Issuer fee table shows a reward redemption fee applies ('yes') without the amount; aggregator reports Rs 99 + GST.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter at select airport lounges in India","lounge_international":"None","lounge_conditions":"Unlocked on Rs 50,000 spend in the previous 3 months (issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle; also applies to credit-card-on-UPI fuel transactions (issuer page)","milestone_benefits":"1,000 EDGE RP on Rs 1.5 lakh spend in a card anniversary year (credited within 90 days; movie, fuel, insurance, utility, rent, wallet, jewellery, education and government spend excluded)","other_freebies":"District BOGO movie ticket, up to Rs 200 off a month (code AXIS200); Swiggy flat Rs 120 off on Rs 500+ twice a month; Cleartrip flat 7% off flights (up to Rs 2,000) and 18% off hotels (up to Rs 4,000), each once a month; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India or NRI. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/axis-bank-my-zone-credit-card/"],"source_quality":"mixed","unverified_fields":["networks"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: fees, interest, forex and lounge rule from issuer documents; rewards and offers from aggregator. Product page read 2026-10-12 confirms earn rate, exclusions, milestone, lounge, fuel waiver, 3.5% forex and 3.75% interest. The joining and annual fee cells are blank in the page text; MITC Rs 500/500 kept. Networks are not named on the page (it mentions credit card on UPI). Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Visa and Mastercard variants are not confirmed by an issuer page, so networks stays unverified. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (aggregator, reader-reported) 'Rs 15,000 a month salaried, Rs 30,000 self-employed' -> issuer page gives only age 18-70, resident or NRI | other_freebies: old (aggregator) listed AJIO up to Rs 1,000 off and EazyDiner 15% off -> neither is on the issuer page (page lists Cleartrip discounts instead); removed","id":60,"depth":"full","slug":"axis-my-zone","url":"https://m16s.in/cards/axis-my-zone/"},{"issuer":"Axis Bank","card_name":"My Zone Easy","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","secured"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"FD-backed. Joining Rs 500 and annual Rs 500 per the issuer product page. Add-on nil.","welcome_benefit":null,"reward_currency":"EDGE Reward Points","base_earn":"4 EDGE RP per Rs 200 on domestic spend","base_return_pct":0.4,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on fuel or on movie transactions that get the movie cashback (issuer page)","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":null,"other_freebies":"25% cashback on online and box-office movie tickets (MCC 7832/7922), cap Rs 1,000 a calendar year; Dining Delights minimum 15% off at partner restaurants; cash withdrawal up to 100% of credit limit; up to 50 days interest-free credit; Wednesday offers","interest_rate_monthly_pct":3.4,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Fixed deposit at any Axis Bank branch, minimum Rs 15,000, maximum Rs 25 lakh; guaranteed approval. Minors not eligible. Not issued against tax-saver FDs, flexi/auto-sweep deposits, or FDs held by HUFs, societies, trusts or companies.","source_product_page":"https://www.axis.bank.in/cards/credit-card/my-zone-easy-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/cards/credit-card","https://cardinsider.com/axis-bank/axis-my-zone-easy-credit-card/"],"source_quality":"mixed","unverified_fields":[],"date_read":"2026-10-31","notes":"Interest 3.4% a month for secured cards (MITC). Credit limit as a share of the FD not found. Product page read 2026-10-12 confirms 3.40% monthly interest (49.36% a year), 3.5% forex, DCC markup 1.5% + taxes, nil add-on fees. The joining and annual fee cells are blank in the page text, so the Rs 500/500 aggregator figure stays unverified. Page mentions Visa emergency card replacement but does not otherwise state the network. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (aggregator) 'fixed deposit of Rs 20,000 or more' -> issuer page 'minimum FD Rs 15,000, maximum Rs 25 lakh'","id":61,"depth":"full","slug":"axis-my-zone-easy","url":"https://m16s.in/cards/axis-my-zone-easy/"},{"issuer":"Axis Bank","card_name":"Neo","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":250,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"Issuer fee table: joining fee Rs 250; annual fee nil in year 1 and Rs 250 from year 2; lifetime free for select channels.","welcome_benefit":"100% cashback up to Rs 300 on first utility bill payment within 30 days of issuance","reward_currency":"EDGE Reward Points","base_earn":"1 EDGE RP per Rs 200","base_return_pct":0.1,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel, utilities, insurance, EMI, wallet, rent, government, education","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 point per Rs 200 x Rs 0.20 = 0.1%. Value is in partner discounts, not points. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount; aggregator reports Rs 99 + GST.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None: issuer page fee table lists the 1% fuel surcharge with no refund, and MITC lists Neo among cards with no fuel surcharge refund","milestone_benefits":"None","other_freebies":"Zomato flat Rs 120 off on Rs 499+ twice a month (code AXISNEO); Paytm 5% off mobile/broadband/DTH recharges, up to Rs 150 once a month on Rs 299+; Blinkit 10% off up to Rs 250 on Rs 750+ once a month; BookMyShow 10% off movie tickets up to Rs 100 a month; Cleartrip flat 7% off flights (up to Rs 2,000) and 18% off hotels (up to Rs 4,000), each once a month; Dining Delights; zero lost card liability; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70 (add-on 18+); resident of India or NRI. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/cards/credit-card","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/axis-bank-neo-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: fees and interest from MITC; rewards and offers from aggregator. Product page read 2026-10-12 confirms the Rs 250 fee structure, 1 point per Rs 200, activation cashback, partner offers, 3.5% forex and 3.75% interest. The page does not list reward exclusions or the card network. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Conflicts resolved from issuer page read 2026-10-12: fuel_surcharge_waiver: aggregator claimed '1% on Rs 400-4,000, cap Rs 400 a month' -> issuer page shows the 1% surcharge with no refund (matches MITC); set to none","id":62,"depth":"full","slug":"axis-neo","url":"https://m16s.in/cards/axis-neo/"},{"issuer":"Axis Bank","card_name":"IndianOil Axis Bank","cobrand_partner":"IndianOil","networks":["RuPay"],"segment":"entry","card_type":["fuel","rewards","cobrand","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":350000,"fee_notes":"Issuer page: annual fee nil in year 1, Rs 500 from year 2; waived on spend above Rs 3.5 lakh in a card anniversary year (rent, wallet loads, EMI, cash, fees, insurance excluded). Joining fee cell is blank on the page; MITC lists Rs 500.","welcome_benefit":"100% value back up to 1,250 EDGE RP (Rs 250) on first fuel transaction within 30 days of issuance","reward_currency":"EDGE Reward Points","base_earn":"1 EDGE RP per Rs 100","base_return_pct":0.2,"accelerated_earn":"20 RP per Rs 100 at IOCL fuel outlets (4% value back) on settlement amounts of Rs 400-4,000; 5 RP per Rs 100 on online shopping (1%) on transactions of Rs 100-5,000","reward_caps":"IOCL 4% tier: maximum eligible spend Rs 5,000 per calendar month. Online shopping 1% tier: maximum eligible spend Rs 5,000 per calendar month.","reward_exclusions":"Insurance, gold/jewellery, wallet, rent, utilities, government institutions, education","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.20 = 0.2% (issuer page equates 20 points per Rs 100 with 4% value back); fuel at IOCL 4% on up to Rs 5,000 a month. Redemption fee Rs 99 per transaction on the EDGE REWARDS platform (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel transactions of Rs 400-4,000, maximum waiver Rs 50 per statement cycle (issuer page)","milestone_benefits":null,"other_freebies":"BookMyShow instant discount up to 10% on movie tickets; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India or NRI. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/indian-oil-axis-bank-credit-card/"],"source_quality":"primary","unverified_fields":["fee_waiver_spend"],"date_read":"2026-10-12","notes":"Before the 2026-10-12 page read: Axis also lists an FD-backed 'IndianOil Easy' variant (see separate entry). Product page read 2026-10-12 confirms earn rates, exclusions, 3.5% forex, 3.75% interest. Other Axis pages describe this card as a 'UPI card'; the page itself does not name the network. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Conflicts resolved from issuer page read 2026-10-12: fee_waiver_spend: MITC showed no waiver -> issuer page states waiver above Rs 3.5 lakh anniversary-year spend (agrees with aggregator) | reward_caps: old (aggregator) 'no monthly cap' -> issuer page caps both the IOCL 4% tier and the online 1% tier at Rs 5,000 of eligible spend per calendar month | fuel_surcharge_waiver: old (aggregator) '1% on Rs 400-4,000' with no cap -> issuer page adds a maximum waiver of Rs 50 per statement cycle","id":63,"depth":"full","slug":"indianoil-axis-bank","url":"https://m16s.in/cards/indianoil-axis-bank/"},{"issuer":"Axis Bank","card_name":"IndianOil Easy Axis Bank","cobrand_partner":"IndianOil","networks":null,"segment":"entry","card_type":["fuel","secured","cobrand"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"FD-backed version of the IndianOil card; fees not found","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.4,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":"https://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/cards/credit-card"],"source_quality":"mixed","unverified_fields":["joining_fee","annual_fee"],"date_read":"2026-10-11","notes":"Named on Axis's listing page under FD-linked cards. Only the 3.4% monthly interest (MITC, secured cards) is confirmed.","id":64,"depth":"fees-only","slug":"indianoil-easy-axis-bank","url":"https://m16s.in/cards/indianoil-easy-axis-bank/"},{"issuer":"Axis Bank","card_name":"IndianOil Axis Bank Premium","cobrand_partner":"IndianOil","networks":[],"segment":"mid","card_type":["fuel","rewards","cobrand"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":30000,"fee_notes":"Joining/annual fee Rs 1,000 + GST; annual fee waived on spend of Rs 30,000 and above in an anniversary year (issuer page).","welcome_benefit":"500 EDGE Miles on first spend within 30 days of issuance (first year only)","reward_currency":"EDGE Miles","base_earn":"1 EDGE Mile per Rs 150, uncapped","base_return_pct":0.67,"accelerated_earn":"6 EDGE Miles per Rs 150 at IOCL fuel outlets; 2 per Rs 150 on grocery and supermarkets","reward_caps":"IOCL 6X on spend up to Rs 15,000 a month, then 1 per Rs 150; grocery 2X on spend up to Rs 5,000 a month, then 1 per Rs 150","reward_exclusions":"Transportation and tolls, utilities, insurance, education, government, wallet, rent","point_value":"Re 1 per EDGE Mile on fuel and Pay by Rewards (min 500 miles); Rs 0.25 travel, Rs 0.30 utility/retail via SMS redemption. Transfers 2 EDGE Miles : 1 partner mile.","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 EDGE Mile per Rs 150 at Re 1 = 0.67%; IndianOil fuel 4% up to the cap.","transfer_partners":["Accor Live Limitless","Air Canada Aeroplan","Air France-KLM Flying Blue","Air India Maharaja Club","British Airways Club","Cathay","Ethiopian Airlines ShebaMiles","Etihad Guest","Finnair Plus","JAL Mileage Bank","Qantas Frequent Flyer","Qatar Airways Privilege Club","Singapore Airlines KrisFlyer","Thai Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Wyndham Rewards","AirAsia Rewards","Hilton Honors","IHG One Rewards","IndiGo BluChip","Lufthansa Miles & More","Orchid Rewards","The Postcard Sunshine Club","Radisson Rewards","SpiceJet SpiceClub"],"transfer_ratio":"2 EDGE Miles : 1 partner mile. Annual cap 1,00,000 Group A + 4,00,000 Group B. Also 3 EDGE Miles = 10 IOCL XtraRewards points.","lounge_domestic":"2 per quarter at select domestic airports","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% unlimited fuel surcharge waiver at IOCL fuel outlets only (issuer page)","milestone_benefits":null,"other_freebies":"Zomato 30% off up to Rs 150 per order on Rs 200+, twice a month (code AXISIOCL); Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/indianoil-premium-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/indianoil-axis-bank-premium-credit-card/","https://www.pickmycard.in/blog/axis-edge-transfer-partners-september-2026","https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-group-c-points-transfer/","https://livefromalounge.com/axis-bank-travel-edge-rewards-reshuffle-2026/","https://www.paisabazaar.com/credit-card/axis-bank-credit-card-changes/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Successor to the Citi IndianOil card. Product page read 2026-10-12 confirms fees, waiver, earn rates and monthly caps, lounge, 3.5% forex and 3.75% interest. The page does not list reward exclusions (it only refers to 'excluded MCCs') or transfer terms. Conflicts resolved from issuer page read 2026-10-12: fee_waiver_spend: aggregator fee table said Rs 1 lakh -> issuer page says Rs 30,000 (matches MITC) | forex_markup_pct: was null because MITC text seemed to group the card at 2.5% while aggregator said 3.5% -> issuer page fee table says 3.50% | reward_caps: period of the 6X cap was unknown -> issuer page says per month (Rs 15,000 fuel, Rs 5,000 grocery)","id":65,"depth":"full","slug":"indianoil-axis-bank-premium","url":"https://m16s.in/cards/indianoil-axis-bank-premium/"},{"issuer":"Axis Bank","card_name":"Samsung Axis Bank Signature","cobrand_partner":"Samsung","networks":["Visa"],"segment":"entry","card_type":["cashback","rewards","shopping","cobrand"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Joining fee Rs 500; annual fee Rs 500 from year 2, waived on annual spend above Rs 2 lakh (issuer page). Add-on card Rs 100.","welcome_benefit":"2,500 EDGE RP (issuer value chart: Rs 500) on 3 transactions within 30 days of issuance","reward_currency":"Cashback + EDGE Reward Points","base_earn":"5 EDGE RP per Rs 100 on all other domestic and international transactions","base_return_pct":1.0,"accelerated_earn":"10% cashback on Samsung purchases (including EMI transactions); 10 EDGE RP per Rs 100 at preferred partners BigBasket, Tata 1mg, Urban Company, Myntra, Zomato","reward_caps":"Samsung cashback capped at Rs 2,500 a month and Rs 10,000 a year","reward_exclusions":"Fuel, cash, jewellery, insurance, education, rent, non-Samsung EMIs","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 5 points per Rs 100 x Rs 0.20 = 1.0% (issuer value chart shows 1% on other spends). Redemption fee Rs 99 per transaction on EDGE REWARDS; Rs 199 per transfer to partner programmes (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar year at select domestic airports","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 months (from 1 May 2024, issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver up to Rs 500 per statement; page states the transaction band as Rs 400-5,000 in the summary and Rs 400-4,000 in the detail","milestone_benefits":null,"other_freebies":"Dining Delights 15% off up to Rs 500 once a month at 4,000+ partner restaurants (min order Rs 2,500); Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-signature-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/samsung-axis-bank-signature-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","networks"],"date_read":"2026-10-12","notes":"Product page read 2026-10-12 is live and takes applications (the Infinite page redirects applicants to this card). It confirms fees, waiver, cashback caps, earn rates, lounge, 3.5% forex and 3.75% interest. The page does not list reward exclusions or name the network. Conflicts resolved from issuer page read 2026-10-12: fuel_surcharge_waiver: old (aggregator) 'Rs 400-5,000, no cap stated' -> issuer page gives a Rs 500 per statement cap and is internally inconsistent on the band (Rs 400-5,000 vs Rs 400-4,000)","id":66,"depth":"full","slug":"samsung-axis-bank-signature","url":"https://m16s.in/cards/samsung-axis-bank-signature/"},{"issuer":"Axis Bank","card_name":"Samsung Axis Bank Infinite","cobrand_partner":"Samsung","networks":["Visa"],"segment":"premium","card_type":["cashback","rewards","shopping","cobrand"],"status":"closed-to-new","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":700000,"fee_notes":"Joining fee Rs 5,000; annual fee Rs 5,000 from year 2, waived on annual spend above Rs 7 lakh; rent (MCC 6513) and wallet loads (MCC 6540) do not count (issuer page). Add-on card Rs 100.","welcome_benefit":"30,000 EDGE RP (issuer value chart: Rs 6,000) on 3 transactions within 30 days of issuance","reward_currency":"Cashback + EDGE Reward Points","base_earn":"5 EDGE RP per Rs 100 on all other domestic transactions","base_return_pct":1.0,"accelerated_earn":"10% cashback on Samsung purchases (including EMI transactions); 15 EDGE RP per Rs 100 at preferred partners BigBasket, Tata 1mg, Urban Company, Myntra, Zomato and on all international transactions","reward_caps":"Samsung cashback capped at Rs 5,000 a month and Rs 20,000 a year","reward_exclusions":"Fuel, non-Samsung EMIs, wallet, cash, jewellery, insurance, education, telecom, utilities, government, rent","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 5 points per Rs 100 x Rs 0.20 = 1.0% (issuer value chart shows 1% on other domestic spends). Redemption fee Rs 99 per transaction on EDGE REWARDS; Rs 199 per transfer to partner programmes (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per calendar year at select domestic airports","lounge_international":"6 per year via complimentary Priority Pass membership (worth USD 99)","lounge_conditions":"Domestic: needs Rs 50,000 eligible spend in previous 3 months (from 1 May 2024, issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 500 per statement (issuer page)","milestone_benefits":null,"other_freebies":"EazyDiner Prime membership for 1 year (card must be activated within 30 days of issuance); Dining Delights 15% off up to Rs 500 once a month (min order Rs 2,500)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Not open to new applicants. Published criteria: age 18-70; resident of India.","source_product_page":"https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-infinite-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/samsung-axis-bank-infinite-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","networks"],"date_read":"2026-10-12","notes":"Issuer product page (read 2026-10-12) states: 'We are currently not accepting applications for Samsung Axis Bank Infinite Credit Card' and points applicants to the Signature card. Page confirms fees, waiver, earn rates, caps, lounge, 3.5% forex and 3.75% interest for existing holders. It does not list reward exclusions or name the network.","id":67,"depth":"full","slug":"samsung-axis-bank-infinite","url":"https://m16s.in/cards/samsung-axis-bank-infinite/"},{"issuer":"Axis Bank","card_name":"IndiGo Axis Bank","cobrand_partner":"IndiGo","networks":["RuPay","Visa"],"segment":"entry","card_type":["travel","cobrand","upi"],"status":"open","joining_fee":799,"annual_fee":799,"fee_waiver_spend":null,"fee_notes":"Issuer page fee table shows Joining/Annual Fee 'Nil (limited period offer)' on 2026-10-12; standard fee Rs 799 per MITC and IndiGo. No spend waiver.","welcome_benefit":"Voucher worth 1,200 IndiGo BluChips on payment of the joining fee; same voucher every year on payment of the annual fee","reward_currency":"IndiGo BluChips","base_earn":"1 BluChip per Rs 100","base_return_pct":null,"accelerated_earn":"3 BluChips per Rs 100 on all IndiGo channels (up to 19 with IndiGo's own booking and tier bonuses); 2 per Rs 100 on groceries and dining","reward_caps":"Aggregator: up to 750 BluChips on eligible UPI transactions","reward_exclusions":"Government, insurance, utilities incl. telecom, rent, wallet, fuel, jewellery","point_value":"No fixed value; BluChips redeem on IndiGo flights and vary by route and fare","points_expiry":"BluChips stay valid while the member has earn/burn activity within 24 months; BluChip vouchers must be used within 6 months","reward_notes":"base_return_pct left null because BluChips have no fixed rupee value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the preceding 3 months (issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Voucher worth 1,200 BluChips at Rs 1.5 lakh and again at Rs 3 lakh cumulative annual spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. No income figure published.","source_product_page":"https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.goindigo.in/loyalty/partners/axis-credit-card.html","https://www.axis.bank.in/docs/default-source/press-releases/unlock-more-with-every-swipe-axis-bank-18-02-26.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://www.axis.bank.in/cards/credit-card","https://www.paisabazaar.com/axis-bank/indigo-axis-bank-credit-card/","https://cardinsider.com/axis-bank/indigo-axis-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions"],"date_read":"2026-10-12","notes":"Launched 18 Feb 2026. A cancelled voucher-funded booking forfeits the whole voucher. Product page read 2026-10-12 confirms earn rates, welcome, renewal and milestone vouchers, lounge, 3.5% forex and DCC, 3.75% interest. The page does not list reward exclusions, a UPI earn cap or a fuel surcharge waiver. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Conflicts resolved from issuer page read 2026-10-12: joining_fee/annual_fee: catalog keeps the Rs 799 standard fee (MITC, IndiGo) -> issuer page currently shows 'Nil (limited period offer)'","id":68,"depth":"full","slug":"indigo-axis-bank","url":"https://m16s.in/cards/indigo-axis-bank/"},{"issuer":"Axis Bank","card_name":"IndiGo Axis Bank Premium","cobrand_partner":"IndiGo","networks":["RuPay","Visa"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"No spend waiver","welcome_benefit":"Voucher worth 5,000 BluChips plus one 6E Eats voucher on payment of the joining fee; repeats every year on payment of the annual fee. Page advertises a double welcome bonus for applications between 1 Sep and 31 Oct.","reward_currency":"IndiGo BluChips","base_earn":"2 BluChips per Rs 100","base_return_pct":null,"accelerated_earn":"7 BluChips per Rs 100 on all IndiGo channels (up to 23 with IndiGo's own bonuses); 3 per Rs 100 on groceries and hotels (issuer page)","reward_caps":null,"reward_exclusions":"Government, insurance, utilities incl. telecom, rent, wallet, fuel, jewellery","point_value":"No fixed value; BluChips redeem on IndiGo flights","points_expiry":"BluChips stay valid while the member has earn/burn activity within 24 months; BluChip vouchers must be used within 6 months","reward_notes":"base_return_pct left null because BluChips have no fixed rupee value. The Axis product page says the 3-BluChip tier covers groceries and hotels; IndiGo's own page said grocery and dining.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 complimentary visits via Priority Pass membership (issuer page; catalog period: per year)","lounge_conditions":"Domestic: needs Rs 50,000 spend in the preceding 3 months (issuer page); waived in issuance month + next 3 months; guests paid","forex_markup_pct":2.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Voucher worth 5,000 BluChips each at Rs 2 lakh, 5 lakh, 8 lakh and 12 lakh annual spend (4 vouchers)","other_freebies":"BookMyShow buy-one-get-one on movie tickets once a month; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; net income at least Rs 6 lakh a year; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-premium-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.goindigo.in/loyalty/partners/axis-credit-card.html","https://www.axis.bank.in/docs/default-source/press-releases/unlock-more-with-every-swipe-axis-bank-18-02-26.pdf","https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/indigo-axis-bank-premium-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-12","notes":"Launched 18 Feb 2026. DCC markup also 2.5% (MITC). Product page read 2026-10-12 confirms Rs 5,000 fee, 2.5% forex and DCC, earn rates, milestones, lounge and 3.75% interest. Reward exclusions are not listed on the page. Conflicts resolved from issuer page read 2026-10-12: other_freebies: old listed 'EazyDiner offers' and a Rs 250 BOGO cap -> issuer page lists BookMyShow BOGO once a month and Dining Delights; no EazyDiner offer or rupee cap on the page | accelerated_earn: IndiGo page said the 3-BluChip tier is grocery and dining -> Axis product page says groceries and hotels","id":69,"depth":"full","slug":"indigo-axis-bank-premium","url":"https://m16s.in/cards/indigo-axis-bank-premium/"},{"issuer":"Axis Bank","card_name":"Scapia Axis Bank","cobrand_partner":"Scapia","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["travel","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Zero joining and annual fee (issuer page and MITC)","welcome_benefit":"None","reward_currency":"Scapia Coins","base_earn":"Mastercard: 10% rewards in Scapia Coins on daily spends; RuPay edition: 5% rewards on eligible UPI, online and offline spends of Rs 500 or above (issuer page). Aggregator: 5 coins = Re 1, i.e. 2% and 1% value back.","base_return_pct":2.0,"accelerated_earn":"20% rewards in Scapia Coins on flights, stays, trains, buses, visas, experiences and shopping on the Scapia app (issuer page); 4% value back at the aggregator-reported coin value","reward_caps":"No cap on earning or redeeming (issuer page). Airport Privileges: full value back as Scapia Coins up to Rs 1,000 on dining or shopping at domestic airports on the travel date. Aggregator adds per-cycle caps by city (Rs 2,500 or 5,000).","reward_exclusions":"Wallet loads, fuel, rent, forex/international, education, government, business services, crypto and financial institutions, utilities, insurance, gift cards, tolls","point_value":"5 Scapia Coins = Re 1, redeemable only in the Scapia app for travel","points_expiry":null,"reward_notes":"base_return_pct = 10% rewards in coins on the Mastercard variant at 5 Scapia Coins = Re 1 (coin value is aggregator-reported, not on the issuer page) = 2%. Aggregator page says international transactions earn nothing.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited at 100+ airports in India","lounge_international":"None","lounge_conditions":"Unlocks on a monthly spend of Rs 20,000 (issuer page). Airport Privileges (free dining or shopping up to Rs 1,000) unlock on the same spend.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% surcharge waiver on fuel transactions up to Rs 5,000 (issuer page)","milestone_benefits":null,"other_freebies":"Airport Privileges: dine or shop free up to Rs 1,000 at domestic airports on Rs 20,000 monthly spend; two cards (Mastercard + RuPay) on one application","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/scapia-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/scapia-axis-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","point_value"],"date_read":"2026-10-12","notes":"Applied for through the Scapia app; Scapia also issues with Federal Bank and BOBCARD. MITC confirms nil fees, nil forex and DCC markup, 3.75% interest. Product page read 2026-10-12 confirms zero fees, zero forex and DCC markup, 3.75% interest, both networks, lounge and reward percentages in coins. The rupee value of a Scapia Coin and the exclusion list are not on the page.","id":70,"depth":"full","slug":"scapia-axis-bank","url":"https://m16s.in/cards/scapia-axis-bank/"},{"issuer":"Axis Bank","card_name":"SuperMoney RuPay","cobrand_partner":"super.money","networks":["RuPay"],"segment":"entry","card_type":["cashback","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (MITC: nil/nil)","welcome_benefit":"None","reward_currency":"Cashback","base_earn":"1% cashback on other UPI and card spend","base_return_pct":1.0,"accelerated_earn":"3% on UPI spends made through the super.money app","reward_caps":"super.money UPI cashback cannot exceed cashback earned on all other spend that month (floor Rs 100); Rs 500 monthly cap removed 1 Jan 2026. Transactions under Rs 100 earn nothing.","reward_exclusions":"Fuel, jewellery, cash, wallet, insurance, education, government, rent, EMI","point_value":"Cashback credited to statement","points_expiry":"Not applicable","reward_notes":"base_return_pct = 1% base cashback.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-supermoney-rupay-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","accelerated_earn","reward_caps","reward_exclusions"],"date_read":"2026-10-31","notes":"Applied for through the super.money app (Flipkart group). Fees and interest from MITC; rewards from aggregator page of 1 Apr 2026.","id":71,"depth":"full","slug":"axis-supermoney-rupay","url":"https://m16s.in/cards/axis-supermoney-rupay/"},{"issuer":"Axis Bank","card_name":"Google Pay Flex Axis Bank","cobrand_partner":"Google Pay","networks":["RuPay"],"segment":"entry","card_type":["rewards","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (MITC: nil/nil)","welcome_benefit":"Rs 250 gift card plus 250 Stars on the Google Pay app (headline 'welcome rewards worth Rs 500', subject to offers run by Google Pay); 2 Stars per Rs 500 on eligible spend in the first rewards cycle","reward_currency":"Google Pay Stars","base_earn":"1 Star per cumulative Rs 500 on all eligible spend including fuel, no minimum transaction; 2X (2 Stars per Rs 500) in a cycle if Rs 100 or more was spent in the previous cycle","base_return_pct":0.4,"accelerated_earn":"4X (4 Stars per cumulative Rs 500) on spend above Rs 15,000 in the reward period and 8X (8 Stars per Rs 500) above Rs 30,000, if the cycle started at 2X. The 4X and 8X Stars are offered by Google Pay directly as a promotional campaign and can change.","reward_caps":"No cap stated","reward_exclusions":"Rent, cash, financial institutions, insurance, education, government, wallet loads, jewellery/watch stores","point_value":"1 Star = Re 1; redeemed as instant cashback while making UPI payments with this card on the Google Pay app (issuer page)","points_expiry":"1 year from issuance","reward_notes":"base_return_pct = 2 Stars per Rs 500 at Re 1 = 0.4%, the standing rate once Rs 100 was spent in the previous cycle (0.2% at the 1X floor); both inputs are issuer-stated. Up to 1.6% on spend above Rs 30,000 a cycle while the Google Pay promotional tiers last. No reward redemption fee (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India. Apply in the Google Pay app (Money tab, 'Flex by Google Pay').","source_product_page":"https://www.axis.bank.in/cards/credit-card/google-pay-flex-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/google-pay-flex-axis-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","points_expiry"],"date_read":"2026-10-12","notes":"Applied for inside Google Pay. Fees and interest from MITC; rewards from aggregator page of 4 Aug 2026. Product page read 2026-10-12 confirms earn structure, Star value, 3.5% forex and DCC, 3.75% interest. Fee cells are blank in the page text (MITC: nil). The page says Stars are earned on fuel; it does not list exclusions or Star expiry. Conflicts resolved from issuer page read 2026-10-12: base_return_pct: old 0.2 (1 Star per Rs 500, aggregator) -> 0.4, because the issuer page says the rate is 2 Stars per Rs 500 whenever Rs 100 was spent in the previous cycle","id":72,"depth":"full","slug":"google-pay-flex-axis-bank","url":"https://m16s.in/cards/google-pay-flex-axis-bank/"},{"issuer":"Axis Bank","card_name":"Fibe Axis Bank","cobrand_partner":"Fibe","networks":["RuPay"],"segment":"entry","card_type":["cashback","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero joining and annual fee (issuer page and MITC)","welcome_benefit":"None","reward_currency":"Cashback","base_earn":"1% cashback on all other spends","base_return_pct":1.0,"accelerated_earn":"3% cashback on food delivery, entertainment and local commute","reward_caps":"Rs 1,500 cashback per statement cycle; minimum transaction Rs 100","reward_exclusions":"Cash, wallet, fuel, gift cards, EMI, rent, insurance, government","point_value":"Cashback credited to statement","points_expiry":"Not applicable","reward_notes":"base_return_pct = 1% base cashback.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar year at select domestic airport lounges","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC); issuer page shows Rs 400-5,000","milestone_benefits":null,"other_freebies":"Dining Delights; Wednesday offers; credit card on UPI","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India or NRI","source_product_page":"https://www.axis.bank.in/cards/credit-card/fibe-axis-bank-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/fibe-axis-bank-rupay-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions"],"date_read":"2026-10-31","notes":"Numberless card. Aggregator quotes 3.6% monthly interest; MITC says 3.75%. Product page read 2026-10-12 confirms lifetime-free status, RuPay/UPI linking, cashback rates, 3.5% forex and DCC. The page does not state the monthly cashback cap, minimum transaction or the exclusion list (linked T&C not read). Conflicts resolved from issuer page read 2026-10-12: lounge_domestic: old '1 per quarter' -> issuer page '4 complimentary domestic lounge visits per calendar year' | interest: aggregator quoted 3.6% a month -> issuer page and MITC say 3.75% (55.55% a year)","id":73,"depth":"full","slug":"fibe-axis-bank","url":"https://m16s.in/cards/fibe-axis-bank/"},{"issuer":"Axis Bank","card_name":"KWIK","cobrand_partner":"Kiwi","networks":["RuPay"],"segment":"entry","card_type":["rewards","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero joining and annual fee (issuer page and MITC)","welcome_benefit":"None","reward_currency":"EDGE Reward Points","base_earn":"2 EDGE RP per Rs 200 on domestic and international transactions","base_return_pct":0.2,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Wallet loads, fuel, rent, cash withdrawals, insurance, repayments, jewellery, education, government services, EMI transactions, credit-card-on-UPI transactions under Rs 2,000","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 2 points per Rs 200 x Rs 0.20 = 0.2%. Redemption fee Rs 99 per redemption on the EDGE rewards platform and Rs 199 per transfer to partner loyalty programmes (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel purchases of Rs 400-4,000, max waiver Rs 150 a month (issuer page)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-kwik-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/axis-bank-kwik-rupay-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Virtual-first RuPay card applied for through the Kiwi app. Aggregator quotes 3.6% monthly interest; MITC says 3.75%. Product page read 2026-10-12 confirms lifetime-free status, RuPay credit card on UPI, virtual card on approval, card details shown in the Kiwi app, earn rate, exclusions, fuel waiver, 3.5% forex and DCC. No eligibility section on the page. Conflicts resolved from issuer page read 2026-10-12: redemption fee: aggregator reported Rs 49 (300-10,000 points) or Rs 99 -> issuer page says Rs 99 per redemption and Rs 199 per partner transfer | interest: issuer page prints '3.7% per month (55.55% per annum)'; MITC says 3.75%, which matches 55.55% a year, so 3.75 is kept (aggregator said 3.6%)","id":74,"depth":"full","slug":"axis-kwik","url":"https://m16s.in/cards/axis-kwik/"},{"issuer":"Axis Bank","card_name":"Axis Bank Shoppers Stop","cobrand_partner":"Shoppers Stop","networks":[],"segment":"entry","card_type":["shopping","rewards","cobrand"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Joining fee Rs 500 (new card issuance only); annual fee Rs 500, waived on cumulative spend of Rs 1 lakh and above (issuer page)","welcome_benefit":"First Citizen points worth Rs 300 on first transaction within 30 days of issuance; complimentary Shoppers Stop vouchers worth Rs 2,250 redeemable at Shoppers Stop and HomeStop (first year only); complimentary Golden Glow membership","reward_currency":"First Citizen Points","base_earn":"2 First Citizen points per Rs 200 spent elsewhere, unlimited","base_return_pct":0.5,"accelerated_earn":"20 First Citizen points per Rs 200 on Shoppers Stop private label brands; 12 per Rs 200 on beauty products and other brands at Shoppers Stop; both unlimited","reward_caps":null,"reward_exclusions":"Transportation and tolls, utilities, insurance, education, government, wallet, rent, fuel","point_value":"1 First Citizen point = Rs 0.50 (issuer value chart); credited to the First Citizen loyalty account, redeemable at Shoppers Stop and HomeStop","points_expiry":"Aggregator: no expiry","reward_notes":"base_return_pct = 2 points per Rs 200 x Rs 0.50 = 0.5%, both from the issuer page (value chart: Rs 750 on Rs 1.5 lakh of other spend). Private labels 5%, other Shoppers Stop brands 3%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":null,"other_freebies":"EazyDiner 15% instant discount, up to Rs 500 a month, minimum order Rs 2,500","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-shoppers-stop-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-bank-shoppers-stop-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","points_expiry"],"date_read":"2026-10-12","notes":"Fees and interest from MITC; rewards from aggregator page of 18 Sep 2026. Product page read 2026-10-12 confirms fees, waiver, earn rates, welcome benefits, 3.5% forex and 3.75% interest. The page says no points on fuel and refers to 'excluded categories' without listing them; point expiry is not stated. Conflicts resolved from issuer page read 2026-10-12: point_value/base_return_pct: old 'not stated', return null -> issuer value chart gives Rs 0.50 per First Citizen point, so base return 0.5%","id":75,"depth":"full","slug":"axis-bank-shoppers-stop","url":"https://m16s.in/cards/axis-bank-shoppers-stop/"},{"issuer":"Axis Bank","card_name":"Axis Bank Cashback","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["cashback"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":400000,"fee_notes":"Joining and annual fee Rs 1,000 + GST. Annual fee waived on Rs 4 lakh spend in an anniversary year (issuer page); MITC: waiver applies to newly acquired cards, not migrated Citi Cash Back customers.","welcome_benefit":"EDGE Reward Points worth Rs 1,000 on first transaction within 30 days of issuance (first year only)","reward_currency":"Cashback","base_earn":"0.75% unlimited base cashback on all offline and travel-related spend","base_return_pct":0.75,"accelerated_earn":"Online spend, by bracket of monthly net online spend: 2% on the first Rs 5,000; 5% on spend above Rs 5,000 up to Rs 40,000; 7% on spend above Rs 40,000 (e.g. Rs 70,000 = 2% on 5,000 + 5% on 35,000 + 7% on 30,000). Utilities and bill payments 0.5%.","reward_caps":"Online cashback up to Rs 4,000 per statement month; utilities cashback up to Rs 100 a month (issuer page)","reward_exclusions":"Fuel","point_value":"Cashback credited before next statement, no minimum amount","points_expiry":"Not applicable","reward_notes":"base_return_pct = 0.75% offline/travel base (issuer page). The online brackets are marginal slabs, which reconciles the aggregator's per-tier caps of Rs 100, Rs 1,750 and Rs 2,150 with the issuer's Rs 4,000 monthly cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None: issuer page lists the 1% fuel surcharge as 'refund not applicable'","milestone_benefits":null,"other_freebies":"Dining Delights restaurant discounts","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/cashback-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-bank-cashback-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-12","notes":"Successor to the Citi Cash Back card. Fees and interest from MITC. Product page read 2026-10-12 confirms fees, waiver, cashback structure, 3.5% forex and 3.75% interest. The page refers to 'excluded categories' and 'non-restricted MCCs' without listing them. Conflicts resolved from issuer page read 2026-10-12: other_freebies: old (aggregator) 'EazyDiner 25% off up to Rs 800 once a month' -> issuer page lists only the Dining Delights programme | reward_caps: aggregator stated the online tiers inconsistently -> issuer page states marginal brackets with a single cap of Rs 4,000 per statement month","id":76,"depth":"full","slug":"axis-bank-cashback","url":"https://m16s.in/cards/axis-bank-cashback/"},{"issuer":"Axis Bank","card_name":"IKEA Family Credit Card by Axis Bank","cobrand_partner":"IKEA","networks":null,"segment":"entry","card_type":["shopping","rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (MITC: nil/nil)","welcome_benefit":"None","reward_currency":"EDGE Reward Points","base_earn":"1 EDGE RP per Rs 100","base_return_pct":0.2,"accelerated_earn":"3 RP per Rs 100 at IKEA; 2 per Rs 100 on dining","reward_caps":null,"reward_exclusions":"Transportation and tolls, utilities, insurance, education, government, wallet, rent, fuel","point_value":"Rs 0.20 per point; SMS-based redemption on IKEA purchases (EDGE T&C)","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.20 = 0.2%; IKEA spend 0.6%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 400 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":"IKEA purchases convertible to EMI at 13% a year; EazyDiner up to 15% off (aggregator)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-edge-rewards.pdf","https://cardinsider.com/axis-bank/ikea-family-credit-card-by-axis-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","accelerated_earn","reward_exclusions","other_freebies"],"date_read":"2026-10-31","notes":"Successor to the Citi IKEA Family card.","id":77,"depth":"full","slug":"ikea-family-credit-card-by-axis-bank","url":"https://m16s.in/cards/ikea-family-credit-card-by-axis-bank/"},{"issuer":"Axis Bank","card_name":"SpiceJet Axis Bank Voyage","cobrand_partner":"SpiceJet","networks":["Visa"],"segment":"entry","card_type":["travel","cobrand"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 750; annual fee nil in year 1 and Rs 750 from year 2 (issuer page). No spend waiver.","welcome_benefit":"SpiceJet voucher worth Rs 1,500 on completing 2 transactions within 30 days of issuance","reward_currency":"SpiceClub Points","base_earn":"3 SpiceClub points per Rs 200 on all other domestic retail and international transactions","base_return_pct":0.75,"accelerated_earn":"Up to 18 per Rs 200 on SpiceJet app and website (6 from the card + 12 as SpiceClub Silver member); 6 per Rs 200 on online food orders, online bill payment and online entertainment (select MCCs)","reward_caps":null,"reward_exclusions":"Fuel, wallet and EMI transactions","point_value":"Rs 0.50 per point (issuer value chart); redeemed against SpiceJet flight tickets, meal vouchers etc. on the SpiceJet app and website","points_expiry":null,"reward_notes":"base_return_pct = 3 points per Rs 200 x Rs 0.50 = 0.75%, both from the issuer page. No reward redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year at select domestic airport lounges","lounge_international":"None","lounge_conditions":"Subject to minimum spend of Rs 50,000 in the previous quarter (issuer page); guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, max Rs 400 a month (issuer page)","milestone_benefits":"2,000 SpiceClub points at Rs 1 lakh and 3,000 at Rs 2 lakh spend in a card membership year; 1,000 points on each renewal","other_freebies":"SpiceClub Silver membership on card issuance; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/spicejet-axis-bank-voyage-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/spicejet-axis-bank-voyage-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 is live as an 'Apply for' page with eligibility and documentation and no closure notice, so status open is taken as confirmed. Page confirms fees, earn rates, milestones, lounge, 3.5% forex and 3.75% interest. Point expiry is not stated. Conflicts resolved from issuer page read 2026-10-12: fuel_surcharge_waiver: MITC implied none -> issuer page states 1% refund on Rs 400-4,000, max Rs 400 a month (agrees with aggregator) | lounge_domestic: old '1 per quarter' -> issuer page '4 complimentary domestic lounge visits every year'","id":78,"depth":"full","slug":"spicejet-axis-bank-voyage","url":"https://m16s.in/cards/spicejet-axis-bank-voyage/"},{"issuer":"Axis Bank","card_name":"SpiceJet Axis Bank Voyage Black","cobrand_partner":"SpiceJet","networks":[],"segment":"mid","card_type":["travel","cobrand"],"status":"open","joining_fee":2000,"annual_fee":2000,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 2,000; annual fee nil in year 1 and Rs 2,000 from year 2 (issuer page). No spend waiver.","welcome_benefit":"SpiceJet voucher worth Rs 4,000 on completing 2 transactions within 30 days of issuance; SpiceClub Gold membership on issuance with complimentary SpiceJet add-on vouchers worth Rs 7,500","reward_currency":"SpiceClub Points","base_earn":"6 SpiceClub points per Rs 200 on all other domestic retail and international transactions","base_return_pct":1.5,"accelerated_earn":"Up to 28 per Rs 200 on SpiceJet app and website (12 from the card + 16 as SpiceClub Gold member); 12 per Rs 200 on online food orders, online bill payment and online entertainment (select MCCs)","reward_caps":null,"reward_exclusions":"Fuel, wallet and EMI transactions (issuer page)","point_value":"Rs 0.50 per point (issuer value chart); redeemed against SpiceJet flight tickets, meal vouchers etc. on the SpiceJet app and website","points_expiry":null,"reward_notes":"base_return_pct = 6 points per Rs 200 x Rs 0.50 = 1.5%, both from the issuer page. No reward redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year at select domestic airport lounges","lounge_international":"None","lounge_conditions":"Subject to minimum spend of Rs 50,000 in the previous quarter (issuer page); guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, max Rs 400 a month (issuer page)","milestone_benefits":"4,000 SpiceClub points at Rs 2 lakh and 6,000 at Rs 4 lakh spend in a card membership year; 2,000 points on each renewal","other_freebies":"SpiceClub Gold membership; Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/spicejet-axis-bank-voyage-black-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/spicejet-axis-bank-voyage-black-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 is live as an 'Apply for' page with eligibility and no closure notice, so status open is taken as confirmed. Page confirms fees, earn rates, milestones, lounge, 3.5% forex and 3.75% interest. Point expiry and card network are not stated. Conflicts resolved from issuer page read 2026-10-12: reward_exclusions: old (aggregator) 'fuel, education, insurance, government, rent, gift cards, wallet, EMI, cash' -> issuer page names only fuel, wallet and EMI | lounge_domestic: old '2 per quarter' -> issuer page '8 complimentary domestic lounge visits every year'","id":79,"depth":"full","slug":"spicejet-axis-bank-voyage-black","url":"https://m16s.in/cards/spicejet-axis-bank-voyage-black/"},{"issuer":"Axis Bank","card_name":"Pride Platinum","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":40000,"fee_notes":"Annual fee nil in year 1, Rs 250 from year 2, waived on spend of Rs 40,000 in the preceding year (issuer page; MITC said Rs 20,000). Rent (MCC 6513), wallet loads (6540), gift cards (5947) and tolls (4784) do not count. Joining fee cell blank on page (MITC: nil). Free add-on cards.","welcome_benefit":"None","reward_currency":"EDGE Reward Points","base_earn":"4 EDGE RP per Rs 200","base_return_pct":0.4,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on fuel transactions (issuer page); other exclusions not listed","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 250 per statement cycle (issuer page)","milestone_benefits":null,"other_freebies":"15% discount at partner restaurants (Dining Delights); free add-on cards for spouse, parents, children and siblings over 18; personalised tricolour card with 4th embossing line; zero lost card liability; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"For personnel of the Indian Defence Forces and Government of India employees. Age 18-70; resident of India or NRI.","source_product_page":"https://www.axis.bank.in/cards/credit-card/pride-platinum-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-bank-pride-platinum-credit-card/"],"source_quality":"primary","unverified_fields":["fee_waiver_spend"],"date_read":"2026-10-12","notes":"Defence-services card. Product page read 2026-10-12 confirms earn rate, fuel waiver, 3.5% forex, 3.75% interest; interest-free period 18 to 23 days from statement date. Conflicts resolved from issuer page read 2026-10-12: fee_waiver_spend: old Rs 20,000 (MITC) -> issuer page Rs 40,000 in the preceding year; page value used, but it matches the Pride Signature figure, so check MITC before relying on it | eligibility: old 'Indian defence personnel only' -> issuer page says defence forces and Government of India employees | interest: aggregator FAQ quoted 2.95% a month -> issuer page and MITC say 3.75%","id":80,"depth":"full","slug":"axis-pride-platinum","url":"https://m16s.in/cards/axis-pride-platinum/"},{"issuer":"Axis Bank","card_name":"Pride Signature","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":40000,"fee_notes":"Annual fee nil in year 1, Rs 500 after, waived on spend of Rs 40,000 in the preceding year (issuer page). Rent (MCC 6513), wallet loads (6540), gift cards (5947) and tolls (4784) do not count. Joining fee cell blank on page (MITC: nil). Free add-on cards.","welcome_benefit":"None","reward_currency":"EDGE Reward Points","base_earn":"8 EDGE RP per Rs 200","base_return_pct":0.8,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Utilities, education, insurance, government, wallet, rent, fuel","point_value":"Rs 0.20 per point","points_expiry":"3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C)","reward_notes":"base_return_pct = 8 points per Rs 200 x Rs 0.20 = 0.8%. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter at select airport lounges in India","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page)","milestone_benefits":null,"other_freebies":"Dining Delights 15% off up to Rs 500, minimum order Rs 2,500, once per card per month; free add-on cards for spouse, parents, children and siblings over 18; personalised tricolour card; zero lost card liability; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Indian Defence personnel. Age 18-70; resident of India or NRI.","source_product_page":"https://www.axis.bank.in/cards/credit-card/pride-signature-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-pride-signature-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-12","notes":"Defence-services card. Product page read 2026-10-12 confirms fee, waiver, earn rate, lounge, fuel waiver, 3.5% forex and 3.75% interest. The page says no points on fuel; the wider exclusion list is aggregator-sourced. Conflicts resolved from issuer page read 2026-10-12: base_earn: product page says 8 points per Rs 200; promotional tiles on other Axis pages say 'Earn 4 EDGE REWARD Points on every Rs 200' for Pride Signature; the product page figure (8) is kept | interest: aggregator FAQ quoted 2.95% a month -> issuer page and MITC say 3.75%","id":81,"depth":"full","slug":"axis-pride-signature","url":"https://m16s.in/cards/axis-pride-signature/"},{"issuer":"Axis Bank","card_name":"Miles & More Axis Bank World","cobrand_partner":"Lufthansa Miles & More","networks":["Mastercard"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":3500,"annual_fee":3500,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 3,500 + GST; annual fee Rs 3,500 + GST from year 2 (issuer page). No spend waiver; joining and annual fee waived for Miles & More HON Circle and Senator status members.","welcome_benefit":"5,000 bonus award miles on first transaction within 30 days of issuance, plus a Priority Pass; annual bonus of 3,000 award miles on renewal","reward_currency":"Miles & More award miles","base_earn":"4 award miles per Rs 200 of eligible spend, unlimited","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel, wallet loads/spends, rent, insurance, utilities, government spends, gold and jewellery; also EMI transactions, cash withdrawals, fees and interest","point_value":"Miles credit to the Miles & More account; all redemption is through Miles & More (flights and upgrades on Star Alliance and other partners, hotels, shopping, car rental). No rupee value stated.","points_expiry":"Award miles never expire while the card is in use: hold the card for at least 3 months and make at least 1 miles-earning purchase every month (issuer page)","reward_notes":"base_return_pct null: award miles have no fixed rupee value. No reward redemption fee (issuer page). Issuer illustration: 32,000 miles in year one on Rs 1 lakh monthly spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter at Mastercard lounges in India","lounge_international":"2 Priority Pass visits per card membership year, primary cardholder only; guests charged","lounge_conditions":"Domestic visits subject to the spend criteria: Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024, issuer lounge document); waived in issuance month + next 3 months; guests paid. Priority Pass is issued automatically on card activation.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC lists Miles & More among cards with no fuel surcharge refund)","milestone_benefits":null,"other_freebies":"insurance cover for baggage loss, air accident, lost card and credit shield (amounts not stated on page); preferred rates on Axis Bank loans; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70 (add-on 18+); resident of India or NRI. Existing Miles & More members must give their membership statement.","source_product_page":"https://www.axis.bank.in/cards/credit-card/miles-more-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-miles-more-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 is live as an 'Apply for' page with an application form and no closure notice, so status open is taken as confirmed. One page covers both the World and World Select variants. It confirms fees, welcome and annual miles, earn rate, exclusions, lounge counts and 3.5% forex. Fuel surcharge refund: none per MITC; the page is silent. Conflicts resolved from issuer page read 2026-10-12: interest: issuer page prints '3.7% per month (55.55% per annum)'; MITC 3.75% matches 55.55% a year and is kept | base_earn: the product page states award miles per Rs 200; a promotional tile on another Axis page (Kwik) describes 'Miles and More Axis Bank Credit Card' as earning EDGE Miles (5 per Rs 100 on Travel EDGE and airline sites) at a Rs 3,500 fee; product page values are used","id":82,"depth":"full","slug":"miles-and-more-axis-bank-world","url":"https://m16s.in/cards/miles-and-more-axis-bank-world/"},{"issuer":"Axis Bank","card_name":"Miles & More Axis Bank World Select","cobrand_partner":"Lufthansa Miles & More","networks":["Mastercard"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":10000,"annual_fee":4500,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 10,000 + GST; annual fee Rs 4,500 + GST from year 2 (issuer page). No spend waiver; joining and annual fee waived for Miles & More HON Circle and Senator status members.","welcome_benefit":"15,000 bonus award miles on first transaction within 30 days of issuance, plus a Priority Pass; annual bonus of 4,000 award miles on renewal","reward_currency":"Miles & More award miles","base_earn":"6 award miles per Rs 200 of eligible spend, unlimited","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel, wallet loads/spends, rent, insurance, utilities, government spends, gold and jewellery; also EMI transactions, cash withdrawals, fees and interest","point_value":"Miles credit to the Miles & More account; all redemption is through Miles & More (flights and upgrades on Star Alliance and other partners, hotels, shopping, car rental). No rupee value stated.","points_expiry":"Award miles never expire while the card is in use: hold the card for at least 3 months and make at least 1 miles-earning purchase every month (issuer page)","reward_notes":"base_return_pct null: award miles have no fixed rupee value. No reward redemption fee (issuer page). Issuer illustration: 55,000 miles in year one on Rs 1 lakh monthly spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per quarter at Mastercard lounges in India","lounge_international":"4 Priority Pass visits per card membership year, primary cardholder only; guests charged","lounge_conditions":"Domestic visits subject to the spend criteria: Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024, issuer lounge document); waived in issuance month + next 3 months; guests paid. Priority Pass is issued automatically on card activation.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC lists Miles & More among cards with no fuel surcharge refund)","milestone_benefits":null,"other_freebies":"EazyDiner: 40% off up to Rs 1,000 and 25% off up to Rs 800 at partner restaurants; insurance cover for baggage loss, air accident, lost card and credit shield (amounts not stated on page); preferred rates on Axis Bank loans; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70 (add-on 18+); resident of India or NRI. Existing Miles & More members must give their membership statement.","source_product_page":"https://www.axis.bank.in/cards/credit-card/miles-more-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/axis-bank/axis-bank-miles-more-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 is live as an 'Apply for' page with an application form and no closure notice, so status open is taken as confirmed. One page covers both the World and World Select variants. It confirms fees, welcome and annual miles, earn rate, exclusions, lounge counts and 3.5% forex. Fuel surcharge refund: none per MITC; the page is silent. Conflicts resolved from issuer page read 2026-10-12: interest: issuer page prints '3.7% per month (55.55% per annum)'; MITC 3.75% matches 55.55% a year and is kept | base_earn: the product page states award miles per Rs 200; a promotional tile on another Axis page (Kwik) describes 'Miles and More Axis Bank Credit Card' as earning EDGE Miles (5 per Rs 100 on Travel EDGE and airline sites) at a Rs 3,500 fee; product page values are used","id":83,"depth":"full","slug":"miles-and-more-axis-bank-world-select","url":"https://m16s.in/cards/miles-and-more-axis-bank-world-select/"},{"issuer":"Axis Bank","card_name":"Axis Bank Vistara","cobrand_partner":"Vistara (now Air India)","networks":["Visa"],"segment":"mid","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"MITC still lists Rs 1500 joining and annual. Aggregator reports annual charges waived from 18 Apr 2025 when renewal ticket vouchers were withdrawn.","welcome_benefit":"Not available to new applicants. Page still describes a complimentary Economy ticket voucher on fee payment and on each renewal; aggregator reports renewal vouchers withdrawn from 18 Apr 2025.","reward_currency":"Air India Maharaja Club points (formerly Club Vistara points)","base_earn":"2 Maharaja Points per Rs 200 of eligible spend (issuer page)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Government and utility spends earn nothing since Jan 2024 (press report title); fuel","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: Maharaja Points have no fixed rupee value. No reward redemption fee (issuer page). Card stops accepting spends after 31 Oct 2026.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary visits at select airports in India (Visa lounges), subject to spend criteria (page gives no period; catalog: per quarter)","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC lists Vistara cards among those with no fuel surcharge refund)","milestone_benefits":"Issuer page still lists bonus Maharaja Club points and Economy ticket vouchers at eligible spend of Rs 1.25 lakh, Rs 2.5 lakh and Rs 6 lakh (up to 3 Economy vouchers). Aggregator reports milestone and renewal vouchers and complimentary tier membership removed from 18 Apr 2025, and the page carries a T&C-update notice for that date, so treat the vouchers as unconfirmed.","other_freebies":"purchase protection up to Rs 1 lakh; cover up to USD 300 for loss of travel documents and delay/loss of check-in baggage; Extraordinary Weekends; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants. Published criteria: Age 18-70; minimum net income Rs 6 lakh a year; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-vistara-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/blog/revision-axis-bank-vistara-credit-cards-2025/","https://cardinsider.com/axis-bank/axis-bank-vistara-infinite-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","milestone_benefits","fee_notes"],"date_read":"2026-10-12","notes":"Issuer product page (read 2026-10-12) states: 'The Axis Bank Vistara Credit Card will be discontinued for spends post 31 October 2026 following the merger of Vistara with Air India' and tells holders to apply for another Axis card. The card earns Maharaja Points until then. Page confirms 3.5% forex, 3.75% interest and the earn rate; fee cells are blank in the page text (MITC figures kept). Reward exclusions and the reported fee waiver since 18 Apr 2025 are not on the page. Conflicts resolved from issuer page read 2026-10-12: milestone/renewal vouchers: aggregator says removed from 18 Apr 2025 -> issuer page text read 2026-10-12 still lists the welcome/renewal ticket voucher and milestone ticket vouchers; unresolved, milestone_benefits kept unverified","id":84,"depth":"full","slug":"axis-bank-vistara","url":"https://m16s.in/cards/axis-bank-vistara/"},{"issuer":"Axis Bank","card_name":"Axis Bank Vistara Signature","cobrand_partner":"Vistara (now Air India)","networks":["Visa"],"segment":"premium","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"MITC still lists Rs 3000 joining and annual. Aggregator reports annual charges waived from 18 Apr 2025 when renewal ticket vouchers were withdrawn.","welcome_benefit":"Not available to new applicants. Page still describes a complimentary Premium Economy ticket voucher on fee payment and on each renewal; aggregator reports renewal vouchers withdrawn from 18 Apr 2025.","reward_currency":"Air India Maharaja Club points (formerly Club Vistara points)","base_earn":"4 Maharaja Points per Rs 200 of eligible spend (issuer page)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Government and utility spends earn nothing since Jan 2024 (press report title); fuel","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: Maharaja Points have no fixed rupee value. No reward redemption fee (issuer page). Card stops accepting spends after 31 Oct 2026.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary visits at select airports in India (Visa lounges), subject to spend criteria (page gives no period; catalog: per quarter)","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC lists Vistara cards among those with no fuel surcharge refund)","milestone_benefits":"Issuer page still lists bonus Maharaja Club points and Premium Economy ticket vouchers at eligible spend of Rs 1.5 lakh, Rs 3 lakh, Rs 4.5 lakh and Rs 9 lakh (up to 4 Premium Economy vouchers). Aggregator reports milestone and renewal vouchers and complimentary tier membership removed from 18 Apr 2025, and the page carries a T&C-update notice for that date, so treat the vouchers as unconfirmed.","other_freebies":"3 complimentary golf rounds; Maharaja Club Silver membership on fee payment; purchase protection up to Rs 1 lakh; cover up to USD 300 for loss of travel documents and delay/loss of check-in baggage; Extraordinary Weekends; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants. Published criteria: Age 18-70; net income at least Rs 6 lakh a year; resident of India","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-vistara-signature-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/blog/revision-axis-bank-vistara-credit-cards-2025/","https://cardinsider.com/axis-bank/axis-bank-vistara-infinite-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","milestone_benefits","fee_notes"],"date_read":"2026-10-12","notes":"Issuer product page (read 2026-10-12) states: 'The Axis Bank Vistara Credit Card will be discontinued for spends post 31 October 2026 following the merger of Vistara with Air India' and tells holders to apply for another Axis card. The card earns Maharaja Points until then. Page confirms 3.5% forex, 3.75% interest and the earn rate; fee cells are blank in the page text (MITC figures kept). Reward exclusions and the reported fee waiver since 18 Apr 2025 are not on the page. Conflicts resolved from issuer page read 2026-10-12: milestone/renewal vouchers: aggregator says removed from 18 Apr 2025 -> issuer page text read 2026-10-12 still lists the welcome/renewal ticket voucher and milestone ticket vouchers; unresolved, milestone_benefits kept unverified","id":85,"depth":"full","slug":"axis-bank-vistara-signature","url":"https://m16s.in/cards/axis-bank-vistara-signature/"},{"issuer":"Axis Bank","card_name":"Axis Bank Vistara Infinite","cobrand_partner":"Vistara (now Air India)","networks":["Visa"],"segment":"super-premium","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":null,"fee_notes":"MITC still lists Rs 10000 joining and annual. Aggregator reports annual charges waived from 18 Apr 2025 when renewal ticket vouchers were withdrawn.","welcome_benefit":"Not available to new applicants. Page still describes a complimentary Business Class ticket voucher on fee payment and on each renewal; aggregator reports renewal vouchers withdrawn from 18 Apr 2025.","reward_currency":"Air India Maharaja Club points (formerly Club Vistara points)","base_earn":"6 Maharaja Points per Rs 200 of eligible spend (issuer page)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Government and utility spends earn nothing since Jan 2024 (press report title); fuel","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: Maharaja Points have no fixed rupee value. No reward redemption fee (issuer page). Card stops accepting spends after 31 Oct 2026.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary visits at select airports in India (Visa lounges), subject to spend criteria (page gives no period; catalog: per quarter)","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC lists Vistara cards among those with no fuel surcharge refund)","milestone_benefits":"Issuer page still lists bonus Maharaja Club points and Business Class ticket vouchers at eligible spend of Rs 2.5 lakh, Rs 5 lakh, Rs 7.5 lakh and Rs 12 lakh (up to 4 Business Class vouchers). Aggregator reports milestone and renewal vouchers and complimentary tier membership removed from 18 Apr 2025, and the page carries a T&C-update notice for that date, so treat the vouchers as unconfirmed.","other_freebies":"6 complimentary golf rounds; Maharaja Club Gold membership on fee payment (from 1 Mar 2024 credited on predefined conditions); purchase protection up to Rs 1 lakh; cover up to USD 300 for loss of travel documents and delay/loss of check-in baggage; Extraordinary Weekends; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants. Published criteria: Age 18-70; net income at least Rs 24 lakh a year; resident of India or NRI","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-vistara-infinite-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf","https://cardinsider.com/blog/revision-axis-bank-vistara-credit-cards-2025/","https://cardinsider.com/axis-bank/axis-bank-vistara-infinite-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","milestone_benefits","fee_notes"],"date_read":"2026-10-12","notes":"Issuer product page (read 2026-10-12) states: 'The Axis Bank Vistara Credit Card will be discontinued for spends post 31 October 2026 following the merger of Vistara with Air India' and tells holders to apply for another Axis card. The card earns Maharaja Points until then. Page confirms 3.5% forex, 3.75% interest and the earn rate; fee cells are blank in the page text (MITC figures kept). Reward exclusions and the reported fee waiver since 18 Apr 2025 are not on the page. Conflicts resolved from issuer page read 2026-10-12: milestone/renewal vouchers: aggregator says removed from 18 Apr 2025 -> issuer page text read 2026-10-12 still lists the welcome/renewal ticket voucher and milestone ticket vouchers; unresolved, milestone_benefits kept unverified","id":86,"depth":"full","slug":"axis-bank-vistara-infinite","url":"https://m16s.in/cards/axis-bank-vistara-infinite/"},{"issuer":"Axis Bank","card_name":"Axis Bank Freecharge","cobrand_partner":"Freecharge","networks":["Visa"],"segment":"entry","card_type":["cashback","cobrand"],"status":"invite-only","joining_fee":250,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 250; annual fee nil in year 1, Rs 250 from year 2 (issuer page). Page mentions an annual fee waiver (rent and wallet loads do not count) but gives no threshold.","welcome_benefit":null,"reward_currency":"EDGE Reward Points","base_earn":"1 EDGE RP per Rs 200 (the product page text says 'You get 1 EDGE REWARD Point' without the spend unit; the Rs 200 unit is from Axis's own promotional tile for this card)","base_return_pct":0.1,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"Rs 0.20 per EDGE Reward Point (issuer value stated on other Axis card pages; not restated on this page)","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 200 x Rs 0.20 = 0.1%. Monthly milestone adds 350 points (Rs 70) at Rs 5,000 spend, i.e. 1.4% at exactly that level. Redemption fee Rs 99 per redemption on the EDGE portal; Rs 199 per transfer to partner programmes (issuer page).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC)","milestone_benefits":"Monthly spend Rs 2,000-4,999: 100 EDGE RP; Rs 5,000 and above: 350 EDGE RP (100 + 250)","other_freebies":"Up to 10% off on Myntra; up to Rs 100 credit on Shuttl every month; up to Rs 120 off on Freshmenu every month; 50% off Eros Now annual subscription; Wednesday offers. Virtual card issued instantly on the Freecharge app.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Invite only: eligible customers see a banner in the Freecharge mobile app","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-freecharge-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-bank-freecharge-plus-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Product page read 2026-10-12: Visa Platinum virtual card offered by invitation in the Freecharge app. Page confirms fees, 3.5% forex, 3.75% interest, milestone points and redemption fees. Exclusions, expiry and fuel waiver are not on the page (MITC: no fuel surcharge refund). Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' (aggregator lists Freecharge cards as discontinued) -> issuer page read 2026-10-12 is live and describes an invite-only model through the Freecharge app; set to invite-only","id":87,"depth":"partial","slug":"axis-bank-freecharge","url":"https://m16s.in/cards/axis-bank-freecharge/"},{"issuer":"Axis Bank","card_name":"Axis Bank Freecharge Plus","cobrand_partner":"Freecharge","networks":[],"segment":"entry","card_type":["cashback","cobrand"],"status":"invite-only","joining_fee":350,"annual_fee":350,"fee_waiver_spend":50000,"fee_notes":"Joining fee Rs 350; annual fee nil in year 1, Rs 350 from year 2, waived on Rs 50,000 spend in the preceding card anniversary year; rent and wallet loads do not count (issuer page).","welcome_benefit":"None for cards issued on or after 4 Jan 2023 (the earlier Rs 700 voucher offer no longer applies)","reward_currency":"Cashback","base_earn":"1% cashback on all other spend","base_return_pct":1.0,"accelerated_earn":"5% cashback on Freecharge spend; 2% on local commute","reward_caps":null,"reward_exclusions":"Fuel, wallet, cash, EMI, gift cards, jewellery, rent; transactions under Rs 100","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct = 1% base cashback (issuer page). Issuer value chart puts total value at about 2.59% on Rs 1.1 lakh annual spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None (MITC)","milestone_benefits":null,"other_freebies":"Dining Delights; Wednesday offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Invite only: eligible customers see a banner in the Freecharge mobile app","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-freecharge-plus-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/axis-bank/axis-bank-freecharge-plus-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-31","notes":"Product page read 2026-10-12 confirms fees, waiver, cashback tiers, 3.5% forex and 3.75% interest. Cashback exclusions are in a linked T&C not read; the list in reward_exclusions is aggregator-sourced. Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' (aggregator page of 19 May 2026 marks it discontinued) -> issuer page read 2026-10-12 is live and describes an invite-only model through the Freecharge app; set to invite-only | joining fee: aggregator said nil -> issuer page says Rs 350 (matches MITC)","id":88,"depth":"full","slug":"axis-bank-freecharge-plus","url":"https://m16s.in/cards/axis-bank-freecharge-plus/"},{"issuer":"Axis Bank","card_name":"LIC Axis Bank Credit Cards (Platinum / Signature)","cobrand_partner":"LIC Cards","networks":[],"segment":"entry","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"MITC: nil joining and annual fee for LIC credit cards","welcome_benefit":"Signature: 100% cashback up to Rs 300 on first utility bill payment within 30 days of issuance. Platinum: none stated.","reward_currency":"Reward Points (LIC card rewards catalogue)","base_earn":"1 Reward Point per Rs 100 on all other transactions (both variants)","base_return_pct":null,"accelerated_earn":"2 Reward Points per Rs 100 on LIC premium payments and foreign currency transactions (both variants)","reward_caps":null,"reward_exclusions":"Fuel, wallet loads and EMI conversions","point_value":"Not stated; points redeem for e-vouchers, gift cards and products by calling customer care (1800 419 0064)","points_expiry":null,"reward_notes":"base_return_pct null: rupee value of a Reward Point is not stated on the issuer pages. Reward redemption fee: Platinum Rs 30; Signature none (issuer pages).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Signature: 8 per calendar year at select domestic airports. Platinum: none stated.","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, max Rs 400 a month (both variants)","milestone_benefits":null,"other_freebies":"Lost card liability insurance cover up to the credit limit; Wednesday offers. Signature page also lists Dining Delights.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Age 18-70; resident of India (both variants)","source_product_page":"https://www.axis.bank.in/cards/credit-card/lic-axis-bank-platinum-credit-card","source_mitc_or_tnc":"https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf","source_other":["https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"One catalog entry covers two products with separate issuer pages: Platinum (source_product_page) and Signature (https://www.axis.bank.in/cards/credit-card/lic-axis-bank-signature-credit-card). Earn rates and the fuel waiver are identical; Signature adds lounge access and the utility-bill activation cashback. Fee cells are blank in the page text (MITC: nil joining and annual fee). 3.5% forex and 3.75% interest confirmed. Consider splitting into two entries. Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' was an assumption -> both issuer product pages read 2026-10-12 are live 'Apply Online' pages with eligibility and documentation sections and no closure notice; set to open | lounge_domestic: old 'Signature: 2 per quarter' (lounge document) -> issuer page '8 complimentary lounge visits per calendar year'","id":89,"depth":"full","slug":"lic-axis-bank-credit-cards-platinum-signature","url":"https://m16s.in/cards/lic-axis-bank-credit-cards-platinum-signature/"},{"issuer":"Axis Bank","card_name":"Business Supreme Mastercard","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"Aggregator: no fee waiver","welcome_benefit":null,"reward_currency":"EDGE Reward Points","base_earn":"4 EDGE RP per Rs 200 on domestic spend","base_return_pct":0.4,"accelerated_earn":"6 RP per Rs 200 on marketing and advertising; 8 RP per Rs 200 on international spend","reward_caps":null,"reward_exclusions":null,"point_value":"Rs 0.20 per point (EDGE portal)","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year (aggregator)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Small business owners and sole proprietors","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/axis-bank/best-axis-business-credit-cards/"],"source_quality":"aggregator","unverified_fields":["joining_fee","annual_fee","base_earn","accelerated_earn","point_value","lounge_domestic","eligibility"],"date_read":"2026-10-11","notes":"Not in the retail MITC fee table; commercial cards have separate terms that could not be read. All data from one aggregator page (20 Apr 2026).","id":90,"depth":"partial","slug":"axis-business-supreme-mastercard","url":"https://m16s.in/cards/axis-business-supreme-mastercard/"},{"issuer":"Axis Bank","card_name":"Business Supreme Visa","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["business","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining fee; annual fee nil in year 1 and from year 2 onwards (issuer page)","welcome_benefit":"100 EDGE RP on the first online transaction","reward_currency":"EDGE Reward Points","base_earn":"1 EDGE RP per Rs 200 on all other spend. The page also carries an older line, '4 points on every Rs 200 spent on the credit card'.","base_return_pct":0.1,"accelerated_earn":"4 EDGE RP per Rs 200 on travel and tour operators, domestic airlines and direct marketing/advertising services; 3 per Rs 200 on international spend; double points in the birthday month","reward_caps":null,"reward_exclusions":"Fuel, jewellery, cash withdrawal, wallet loads, insurance, education, government services, rent, EMI transactions and purchases converted to EMI, UPI transactions under Rs 2,000","point_value":"Rs 0.20 per EDGE Reward Point (issuer value stated on Axis retail card pages; this page shows a redemption fee 'as applicable')","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 200 x Rs 0.20 = 0.1%, using the page's category-wise earn table (4 on travel/advertising, 3 international, 1 on other spend). If the page's legacy line of 4 points per Rs 200 on all spend still applied the base would be 0.4%; confirm with Axis.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Auto bill pay by standing instruction (90+ billers); EMI conversion on purchases above Rs 2,500; controls through net banking and WhatsApp banking","interest_rate_monthly_pct":3.6,"late_payment_fee":"Rs 300 if total payment due is up to Rs 2,000; Rs 400 for Rs 2,001-5,000; Rs 600 for Rs 5,001 or more","cash_advance_fee":"2.5% of amount, min Rs 500; cash up to 30% of credit limit","eligibility":"Exclusively for sole proprietors (issuer page)","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/business-supreme-visa-credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/axis-bank/best-axis-business-credit-cards/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Product page read 2026-10-12 confirms nil fees, earn table, exclusions, 3.6% monthly interest (43.20% a year), 3.5% forex and penalty fees. No lounge access or fuel waiver is listed for the Visa variant. The same page's tile for Business Supreme Mastercard says 4 domestic lounge visits per quarter and a 1% fuel surcharge waiver. Conflicts resolved from issuer page read 2026-10-12: base_earn/base_return_pct: old '4 EDGE RP per Rs 200 on domestic spend', 0.4% (aggregator) -> issuer page's category table gives 4 only on travel/advertising categories and 1 per Rs 200 on other spend, so base 0.1%; the page is internally inconsistent because it also keeps a '4 points on every Rs 200' line","id":91,"depth":"full","slug":"axis-business-supreme-visa","url":"https://m16s.in/cards/axis-business-supreme-visa/"},{"issuer":"Axis Bank","card_name":"Executive Corporate Credit Card","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"premium","card_type":["business","travel"],"status":"open","joining_fee":3500,"annual_fee":3500,"fee_waiver_spend":null,"fee_notes":"Standard joining fee Rs 3,500 and annual fee Rs 3,500 (corporate liability). Lounge visits are available only once the annual fee is paid.","welcome_benefit":null,"reward_currency":"Plus points (Axis corporate rewards catalogue)","base_earn":"4 Plus points per Rs 200 on domestic spend","base_return_pct":0.4,"accelerated_earn":"8 Plus points per Rs 200 on international spend","reward_caps":null,"reward_exclusions":"No points on fuel transactions","point_value":"Rs 0.20 per point (EDGE portal)","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter at airports in India","lounge_international":"Up to 8 visits per calendar year via LoungeKey (1,800+ lounges), shared by the cardholder and accompanying guests","lounge_conditions":"Complimentary visits need the annual fee to be paid. International: USD 35 pre-authorisation per person; visits beyond the limit USD 35 per person. Domestic: Rs 25 authorisation, reversed; guests and extra visits charged.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% refunded on Rs 400-4,000 fuel transactions, max Rs 400 a month","milestone_benefits":null,"other_freebies":"3 airport meet-and-greet (VIP assistance) services per calendar year at 29 Indian airports; up to 4 golf rounds and 1 lesson a year; 24x7 concierge; insurance: emergency hospitalisation USD 5,000, medical evacuation USD 3,000, hijack distress USD 1,000, critical illness Rs 10 lakh, lost card liability Rs 2 lakh, corporate liability policy Rs 2 lakh, baggage delay/loss and missed international connection Rs 30,000 each, loss of passport/visa Rs 10,000; cash withdrawal up to 30% of limit","interest_rate_monthly_pct":null,"late_payment_fee":"3% of total amount due, min Rs 350","cash_advance_fee":"2.5% of cash withdrawal amount, min Rs 250; cash limit 30% of credit limit","eligibility":"Issued to companies under a corporate liability programme after credit appraisal (MOA/AOA, two years' audited accounts, corporate PAN, board resolution); apply via corporate.assist@axis.bank.in","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/axis-bank-executive-corporate-credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/axis-bank/best-axis-business-credit-cards/","https://www.axis.bank.in/important-links/commercial-credit-card/card-services"],"source_quality":"mixed","unverified_fields":["point_value"],"date_read":"2026-10-12","notes":"Product page read 2026-10-12 confirms fees, earn rates, lounge counts, 2% forex, fuel refund, insurance and penalty fees. The page calls the currency 'Plus points' and gives no rupee value; the Rs 0.20 point value and the 0.4% base return derived from it are aggregator-based. No finance charge is listed (corporate liability, paid in full monthly). Axis's other commercial products are now catalogued as separate entries. Conflicts resolved from issuer page read 2026-10-12: other_freebies: aggregator listed 'golf' without a count -> issuer page: up to 4 rounds and 1 lesson a year","id":92,"depth":"full","slug":"axis-executive-corporate-credit-card","url":"https://m16s.in/cards/axis-executive-corporate-credit-card/"},{"issuer":"Axis Bank","card_name":"AURA","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":749,"annual_fee":749,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 749; annual fee Rs 749 from year 2. No spend waiver stated.","welcome_benefit":"Decathlon and Amazon voucher of Rs 750 (no longer relevant: card closed to new applicants)","reward_currency":"EDGE Reward Points","base_earn":"2 EDGE RP per Rs 200","base_return_pct":0.2,"accelerated_earn":"5X EDGE RP on insurance spend","reward_caps":"5X insurance earn applies on transaction amounts up to Rs 10,000","reward_exclusions":null,"point_value":"Rs 0.20 per EDGE Reward Point (issuer value stated on other Axis card pages; not restated on this page)","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 200 x Rs 0.20 = 0.2%. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel transactions, max Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Health and wellness: 4 free video doctor consultations a month via Practo; 4 free interactive video fitness sessions a month via Fitternity plus 16 recorded sessions; up to Rs 500 annual discount on health check-ups; minimum 30% off nutrition/diet consultations; Dining Delights 15% off up to Rs 500 once a month (min order Rs 2,500); Wednesday offers. Benefits accessed at axisbankaura.poshvine.com.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants. Published criteria: age 18-70; resident of India or NRI.","source_product_page":"https://www.axis.bank.in/cards/credit-card/axis-bank-aura-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12, which states: 'This credit card is no longer available.' Details are kept for existing holders. Lounge access, exclusions, expiry and network are not stated on the page.","id":698,"depth":"full","slug":"axis-aura","url":"https://m16s.in/cards/axis-aura/"},{"issuer":"Axis Bank","card_name":"Corporate Credit Card with Corporate Liability","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":null,"card_type":["business","travel"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee 'as agreed with company'. Charge card: full payment each month, no revolving credit, so no finance charge.","welcome_benefit":null,"reward_currency":"Plus points (Axis corporate rewards catalogue)","base_earn":"1 point per Rs 200 on domestic spend","base_return_pct":null,"accelerated_earn":"2 points per Rs 200 on international spend","reward_caps":null,"reward_exclusions":"No points on fuel transactions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: the page gives no rupee value for a Plus point.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary access at select airports in India (count not stated)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% refunded on Rs 400-4,000 fuel transactions (no cap stated); GST on surcharge not refunded","milestone_benefits":null,"other_freebies":"Fourth-line embossing of company name; online MIS and expense reporting; insurance: lost card liability incl. counterfeit Rs 1 lakh, checked baggage loss / baggage delay / loss of baggage Rs 30,000 each, missed international connection Rs 10,000, flight delay Rs 10,000. A tile on another Axis page also cites personal air accident cover up to Rs 4.5 crore.","interest_rate_monthly_pct":null,"late_payment_fee":"3% of total amount due, min Rs 350","cash_advance_fee":null,"eligibility":"Issued to companies after credit assessment of the corporate (MOA/AOA, two years' audited accounts, corporate PAN, board resolution, employee KYC); the corporate sets limits on individual cards and bears the liability","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/corporate-credit-card-with-corporate-liability","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page says the Bank continues to issue corporate cards with corporate liability. Cash advance fee and other fee cells are blank in the page text.","id":699,"depth":"partial","slug":"axis-corporate-credit-card-with-corporate-liability","url":"https://m16s.in/cards/axis-corporate-credit-card-with-corporate-liability/"},{"issuer":"Axis Bank","card_name":"Corporate Card with Individual Liability","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":null,"card_type":["business","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee 'as agreed with company'.","welcome_benefit":null,"reward_currency":"Plus points (Axis corporate rewards catalogue)","base_earn":"1 point per Rs 200 on domestic spend","base_return_pct":null,"accelerated_earn":"2 points per Rs 200 on international spend","reward_caps":null,"reward_exclusions":"No points on fuel transactions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: the page gives no rupee value for a point.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary access at select airports in India (count not stated)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% refunded on Rs 400-4,000 fuel transactions (no cap stated); GST on surcharge not refunded","milestone_benefits":null,"other_freebies":"Fourth-line embossing of company name; online MIS; insurance: personal air accident Rs 4.5 crore, lost card liability incl. counterfeit Rs 1 lakh, checked baggage loss / baggage delay / loss of baggage Rs 30,000 each, missed international connection Rs 10,000, flight delay Rs 10,000","interest_rate_monthly_pct":2.95,"late_payment_fee":"Rs 300 if total payment due is up to Rs 2,000; Rs 400 for Rs 2,001-5,000; Rs 600 for Rs 5,001 or more","cash_advance_fee":null,"eligibility":"Fresh issuance discontinued; page content applies only to existing individual-liability corporate cardholders. Employees were individually assessed and are solely liable for payment.","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/corporate-card-with-individual-liability","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12, which states: 'Fresh issuance of Axis Bank Corporate Card with Individual Liability has been discontinued.' Interest 2.95% a month (41.75% a year) applies to the individual-liability variant; over-limit penalty 3% (min Rs 500); cheque return Rs 300.","id":700,"depth":"partial","slug":"axis-corporate-card-with-individual-liability","url":"https://m16s.in/cards/axis-corporate-card-with-individual-liability/"},{"issuer":"Axis Bank","card_name":"Central Travel Account Card","cobrand_partner":null,"networks":[],"segment":null,"card_type":["business","travel"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No fees published on the page.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Card-less centralised billing and payment account for airline and related travel spend; single monthly settlement; 24x7 customised MIS; dispute resolution for unrecognised transactions, unused ticket cancellations and duplicate billing; insurance: checked baggage loss / baggage delay / loss of baggage Rs 30,000 each, missed international connection Rs 10,000, flight delay Rs 10,000","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued to a corporate as a corporate-billed, corporate-paid (corporate liability) product; no plastic issued","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/central-travel-account-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page lists no fees, rewards, forex markup or interest; it is a travel-billing account, not a card for general spend.","id":701,"depth":"fees-only","slug":"axis-central-travel-account-card","url":"https://m16s.in/cards/axis-central-travel-account-card/"},{"issuer":"Axis Bank","card_name":"Purchase Card","cobrand_partner":null,"networks":[],"segment":null,"card_type":["business"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No fees published on the page (schedule of charges linked, not read).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Physical and virtual (web-based) card for recurring vendor payments such as electricity, utilities, stationery, telecom; up to 51 days interest-free credit; choice of billing cycle; online reporting and reconciliation tools; dedicated relationship manager","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporates, for vendor and procurement payments","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/purchase-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. No rewards are listed on this card (the Purchase Reward Card is the rewards version).","id":702,"depth":"fees-only","slug":"axis-purchase-card","url":"https://m16s.in/cards/axis-purchase-card/"},{"issuer":"Axis Bank","card_name":"Purchase Control (Virtual Card)","cobrand_partner":null,"networks":[],"segment":null,"card_type":["business"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No fees published on the page.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Virtual card numbers created instantly, each tied to a specific payment; transaction-level authorisation controls with 29 customisable data fields; per-transaction and monthly limits; batch upload or API integration with the corporate ERP; spend reporting tool","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporates; apply at a branch or online","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/purchase-control-virtual-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page lists no fees, rewards, forex markup or interest.","id":703,"depth":"fees-only","slug":"axis-purchase-control-virtual-card","url":"https://m16s.in/cards/axis-purchase-control-virtual-card/"},{"issuer":"Axis Bank","card_name":"Purchase Reward Card","cobrand_partner":null,"networks":[],"segment":null,"card_type":["business","rewards"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No fees published on the page (schedule of charges linked, not read).","welcome_benefit":null,"reward_currency":"Plus points (Axis corporate rewards catalogue)","base_earn":"1 point per Rs 200 on domestic spend","base_return_pct":null,"accelerated_earn":"2 points per Rs 200 on international spend","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: the page gives no rupee value for a point.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Physical card for vendor, utility and stationery payments; up to 51 days interest-free credit; choice of billing cycle; online reporting and reconciliation tools","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporates, for vendor and procurement payments","source_product_page":"https://www.axis.bank.in/cards/commercial-credit-card/purchase-reward-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page lists no fees, forex markup or interest.","id":704,"depth":"partial","slug":"axis-purchase-reward-card","url":"https://m16s.in/cards/axis-purchase-reward-card/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Eterna","cobrand_partner":null,"networks":["Mastercard","Visa","RuPay"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":250000,"fee_notes":"Joining fee Rs 2,499 waived on Rs 25,000 spend in first 60 days (otherwise charged in the 3rd statement). Annual fee Rs 2,499 waived on Rs 2.5 lakh spend in the card anniversary year. GST on fees not reversed; waivers only for non-delinquent accounts.","welcome_benefit":"FITPASS Pro membership (one issuer page says 6 months worth Rs 15,000, another says 12 months worth Rs 48,000), to be claimed within 60 days; primary card only","reward_currency":"BOBCARD Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":0.75,"accelerated_earn":"15 RP per Rs 100 (5X) on dining, travel and international spends; one issuer page adds shopping/online","reward_caps":"5X earn capped at 5,000 RP per statement cycle; spends beyond that earn 3 RP per Rs 100","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 3 RP x Rs 0.25 / Rs 100 = 0.75%; accelerated categories return 3.75% until the 5,000 RP cycle cap. Point value of Rs 0.25 is taken from the issuer's other card pages and Tiara page; the Eterna page itself does not state it.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited domestic airport lounge access","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"10,000 bonus RP on Rs 50,000 spend within 60 days; 20,000 bonus RP on Rs 5 lakh spend in a year","other_freebies":"Buy-one-get-one movie ticket on District, up to Rs 250 per month; golf access (network-specific terms)","interest_rate_monthly_pct":3.25,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, salaried or self-employed, net annual income above Rs 12 lakh; age 21-65 (one page says 25-55)","source_product_page":"https://www.bobcard.co.in/credit-card-types/eterna","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards/eterna","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://bankofbaroda.bank.in/digital-products/cards/credit-cards"],"source_quality":"primary","unverified_fields":["point_value"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An Eterna FD-backed version carries the same fees.","id":93,"depth":"full","slug":"bank-of-baroda-bobcard-eterna","url":"https://m16s.in/cards/bank-of-baroda-bobcard-eterna/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Premier","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":120000,"fee_notes":"Joining fee Rs 1,000 waived on Rs 10,000 spend in first 60 days. Annual fee Rs 1,000 waived on Rs 1.2 lakh spend in the anniversary year. GST not reversed.","welcome_benefit":"500 bonus RP on spends of Rs 5,000+ within 60 days of issuance","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 (5X) on travel, dining and international spends","reward_caps":"5X earn capped at 2,000 RP per statement cycle; further spends earn the regular rate","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; accelerated categories return 2.5% until the 2,000 RP cycle cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 complimentary domestic airport lounge visit per quarter","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 20,000 in the preceding calendar quarter","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, salaried or self-employed, net annual income above Rs 7.2 lakh; age 21-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/premier","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards/premier","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://bankofbaroda.bank.in/digital-products/cards/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An FD-backed version of this card exists (MITC lists Easy/Select/Premier FD-backed at nil joining and annual fee).","id":94,"depth":"full","slug":"bank-of-baroda-bobcard-premier","url":"https://m16s.in/cards/bank-of-baroda-bobcard-premier/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Select","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":70000,"fee_notes":"Joining fee Rs 750 waived on Rs 7,500 spend in first 60 days. Annual fee Rs 750 waived on Rs 70,000 spend in the anniversary year (MITC Apr 2026 and product page; the July 2025 KFS showed Rs 700).","welcome_benefit":"500 RP on Rs 5,000+ spend within 60 days of issuance (aggregator)","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on dining and online spends","reward_caps":"5X earn capped at 1,000 RP per statement cycle; further spends earn the regular rate","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"Not printed on this card's product page. BOBCARD's Premier, Tiara and co-brand pages give Rs 0.25 per point; an aggregator quotes Rs 0.20 for this card (the issuer's Prime page also uses Rs 0.20).","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25% best case; 0.20% if the point is worth Rs 0.20. 5X categories return 1.0-1.25% until the cap. Accelerated categories are from Bank of Baroda's card listing; the base rate is from an aggregator because the product page does not print it.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (aggregator)","lounge_international":"None (aggregator)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, salaried or self-employed, income above Rs 4.8 lakh p.a.; age 21-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/select","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://cardinsider.com/bank-of-baroda/bobcard-select-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","welcome_benefit","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An FD-backed version of this card exists (MITC lists Easy/Select/Premier FD-backed at nil joining and annual fee).","id":95,"depth":"full","slug":"bank-of-baroda-bobcard-select","url":"https://m16s.in/cards/bank-of-baroda-bobcard-select/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Easy","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":35000,"fee_notes":"Joining fee Rs 500 waived on Rs 6,000 spend in first 60 days. Annual fee Rs 500 waived on Rs 35,000 spend in the anniversary year.","welcome_benefit":"500 RP on Rs 5,000 spend within 60 days of issuance (aggregator)","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on departmental store and movie spends (aggregator adds groceries)","reward_caps":"5X earn capped at 1,000 RP per statement cycle; further spends earn the regular rate","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"Not printed on this card's product page. BOBCARD's Premier, Tiara and co-brand pages give Rs 0.25 per point; an aggregator quotes Rs 0.20 for this card (the issuer's Prime page also uses Rs 0.20).","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25% best case; 0.20% if the point is worth Rs 0.20. 5X categories return 1.0-1.25% until the cap. Aggregator says certain MCCs earn only 0.5 RP per Rs 100. Accelerated categories are from Bank of Baroda's card listing; the base rate is from an aggregator.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (aggregator)","lounge_international":"None (aggregator)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":"No complimentary insurance on this card (MITC)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident; salaried above Rs 3 lakh p.a., self-employed above Rs 3.6 lakh p.a.; age 21-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/easy","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://cardinsider.com/bank-of-baroda/bank-of-baroda-easy-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","base_earn","base_return_pct","point_value","welcome_benefit","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An FD-backed version of this card exists (MITC lists Easy/Select/Premier FD-backed at nil joining and annual fee).","id":96,"depth":"full","slug":"bank-of-baroda-bobcard-easy","url":"https://m16s.in/cards/bank-of-baroda-bobcard-easy/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Tiara","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","shopping","travel"],"status":"open","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":250000,"fee_notes":"Joining fee Rs 2,499 waived on Rs 25,000 spend in first 60 days. Annual fee Rs 2,499 waived on Rs 2.5 lakh spend in the anniversary year. GST not reversed.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":0.75,"accelerated_earn":"15 RP per Rs 100 (5X) on dining, travel and international spends","reward_caps":"5X earn capped at 5,000 RP per statement cycle; rewards on credit card on UPI capped at Rs 500 per statement cycle (1 RP = Rs 0.25)","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 3 RP x Rs 0.25 / Rs 100 = 0.75%; accelerated categories return 3.75% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited domestic airport lounge access","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"Quarterly vouchers for primary cardholder: Myntra Rs 500, Nykaa Rs 500, Flipkart Rs 500, Lakme Salon Rs 1,500, BookMyShow Rs 250 (spend conditions for the vouchers are behind customer login)","other_freebies":"FITPASS Pro 12 months; annual Prime Video and Gaana Plus memberships; Swiggy One 3 months once a year; women's health check package and women-centric insurance pack","interest_rate_monthly_pct":3.25,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Women only. Indian resident, age 25-55 (another page says salaried 21-60, self-employed 21-65), minimum annual income Rs 7.2 lakh","source_product_page":"https://www.bobcard.co.in/view-cards/tiara","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/credit-card-types/tiara","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://bankofbaroda.bank.in/digital-products/cards/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Voucher and membership benefits are for primary cardholders; thresholds to unlock quarterly vouchers are not shown on the public page.","id":97,"depth":"full","slug":"bank-of-baroda-bobcard-tiara","url":"https://m16s.in/cards/bank-of-baroda-bobcard-tiara/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Cashback","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback","shopping"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"MITC: monthly fee Rs 49 or joining/annual fee Rs 499; fee reversal not applicable (no spend waiver).","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on other spends (domestic POS and international)","base_return_pct":1.0,"accelerated_earn":"5% cashback on eligible domestic online spends","reward_caps":"5% online cashback capped at Rs 1,500 per month/statement cycle; 1% cashback uncapped","reward_exclusions":"Per aggregator: no cashback on fuel, government, rent or insurance transactions, or on transactions below Rs 100; accelerated cashback needs at least four transactions in the statement cycle","point_value":"Cashback credited to statement monthly","points_expiry":null,"reward_notes":"base_return_pct = 1% flat cashback on non-online spends. Headline rates (5% online up to Rs 1,500 a month, 1% elsewhere, credited monthly) are from Bank of Baroda's card listing; exclusions and the four-transaction condition are from an aggregator.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://cardinsider.com/bank-of-baroda/bobcard-cashback-credit-card/","https://www.bobcard.co.in/view-cards"],"source_quality":"mixed","unverified_fields":["reward_exclusions","lounge_domestic","lounge_international","fuel_surcharge_waiver","eligibility"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's own Cashback product page could not be read; fees are from the MITC.","id":98,"depth":"full","slug":"bank-of-baroda-bobcard-cashback","url":"https://m16s.in/cards/bank-of-baroda-bobcard-cashback/"},{"issuer":"Bank of Baroda","card_name":"HPCL Energie BOBCARD","cobrand_partner":"HPCL","networks":["RuPay"],"segment":"entry","card_type":["fuel","cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Joining fee Rs 499, no waiver. Annual fee Rs 499 waived on Rs 50,000 spend in the anniversary year. UPI spends do not count towards joining rewards or the fee waiver.","welcome_benefit":"500 bonus RP on Rs 5,000+ spend within 60 days of issuance","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 150","base_return_pct":0.33,"accelerated_earn":"24 RP per Rs 150 (4%) on HPCL fuel, LPG and HP Pay app purchases; 10 RP per Rs 150 on utilities and departmental stores; extra 1.5% as Payback points on HP Pay app fuel purchases","reward_caps":"Each accelerated tier (24 RP and 10 RP per Rs 150) capped at 1,000 RP per statement; UPI spends max 500 RP per statement cycle","reward_exclusions":"Select MCCs excluded. HP Pay wallet loads and HP Pay direct debit earn no accelerated RP and no surcharge waiver. Accelerated fuel rewards only at authorised HPCL outlets.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 150 = 0.33%. HPCL fuel returns 4% in RP (cap 1,000 RP = Rs 250 a statement, reached at Rs 6,250 of fuel) plus the 1% surcharge waiver.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year (1 per quarter) at partner domestic lounges, primary cardholder","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on HPCL fuel transactions of Rs 400-5,000 only, cap Rs 100 per statement; the MITC's 1% fee on fuel transactions of Rs 10,000+ does not apply to this card","milestone_benefits":null,"other_freebies":"25% off up to Rs 100 on 2+ Paytm Movies tickets, twice a month. No complimentary insurance (MITC).","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, age 21-65. Non-BOB customers: salaried Rs 3.6 lakh, self-employed Rs 4.8 lakh annual income. BOB customers: Rs 2.4 lakh.","source_product_page":"https://www.bobcard.co.in/credit-card-types/hpcl-energie","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":99,"depth":"full","slug":"bank-of-baroda-hpcl-energie-bobcard","url":"https://m16s.in/cards/bank-of-baroda-hpcl-energie-bobcard/"},{"issuer":"Bank of Baroda","card_name":"IRCTC BOBCARD","cobrand_partner":"IRCTC","networks":["RuPay"],"segment":"entry","card_type":["travel","cobrand","rewards"],"status":"open","joining_fee":500,"annual_fee":350,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 500 and annual fee Rs 350; no spend-based waiver.","welcome_benefit":"500 bonus RP on Rs 5,000+ spend within 60 days of issuance","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"IRCTC train bookings in 1AC/2AC/3AC/CC/EC: 40 RP per Rs 100 for travel dates 15 Jan-31 Mar and 15 Jul-15 Sep, 16 RP per Rs 100 for other dates; 4 RP per Rs 100 at departmental stores","reward_caps":"Other-category bonus capped at 1,000 RP (250 IRCTC Travel Points) per statement cycle","reward_exclusions":"Fuel and select MCCs excluded. UPI earns core points only. Train bonus only on the primary cardholder's own fare and only if the primary cardholder is a passenger; credited 5 days after journey completion.","point_value":"1 RP = Rs 0.25; 4 RP = 1 IRCTC Travel Point","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%. Peak-season train bookings return 10% in points, off-season 4%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Railway lounges: 4 per year (1 per quarter) at partner railway lounges, primary cardholder. No airport lounge access stated.","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 500-3,000, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":"Up to 1% IRCTC transaction-charge cashback on IRCTC site/app bookings. No complimentary insurance (MITC).","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident; salaried age 21-60, self-employed 24-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/irctc-credit-card","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The MITC's 1% railway-booking fee does not apply to this card.","id":100,"depth":"full","slug":"bank-of-baroda-irctc-bobcard","url":"https://m16s.in/cards/bank-of-baroda-irctc-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Snapdeal BOBCARD","cobrand_partner":"Snapdeal","networks":["RuPay"],"segment":"entry","card_type":["shopping","cobrand","cashback"],"status":"open","joining_fee":249,"annual_fee":249,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee Rs 249; no spend-based waiver.","welcome_benefit":"Snapdeal vouchers worth up to Rs 500 on card use within 30 days; 500 bonus RP on Rs 5,000+ spend within 60 days (UPI spends do not qualify)","reward_currency":"BOBCARD Reward Points","base_earn":"4 RP per Rs 100","base_return_pct":1.0,"accelerated_earn":"5% unlimited cashback (20 RP per Rs 100) on Snapdeal site and app; 10 RP per Rs 100 on online shopping and departmental stores","reward_caps":"10 RP tier capped at 2,000 RP per statement; UPI spends max 500 RP per statement cycle","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 4 RP x Rs 0.25 / Rs 100 = 1.0%. Points are auto-credited as cashback in the next statement.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per month","milestone_benefits":null,"other_freebies":"No complimentary insurance (MITC)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, age 21-65. Non-BOB customers: salaried Rs 3.6 lakh, self-employed Rs 4.8 lakh annual income. BOB customers: Rs 2.4 lakh.","source_product_page":"https://www.bobcard.co.in/credit-card-types/snapdeal-bobcard","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":101,"depth":"full","slug":"bank-of-baroda-snapdeal-bobcard","url":"https://m16s.in/cards/bank-of-baroda-snapdeal-bobcard/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Etihad Guest","cobrand_partner":"Etihad Airways (Etihad Guest)","networks":[],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"Joining and annual fee Rs 2,500 + GST. Annual fee waived on Rs 3 lakh spend in the anniversary year.","welcome_benefit":"2,500 welcome miles plus 2,500 bonus Etihad Guest miles on paying the joining fee and spending Rs 10,000 within 60 days (Bank of Baroda's listing describes this as 7,500 welcome miles)","reward_currency":"Etihad Guest Miles","base_earn":"1 mile per Rs 100 on domestic and cross-border spends","base_return_pct":null,"accelerated_earn":"3 miles per Rs 100 on Etihad Airways spends","reward_caps":null,"reward_exclusions":"Fuel earns no miles. Aggregator lists further excluded categories: rent, wallet loads, government, education, hospital, insurance, telecom, supermarkets/retail stores, charity, fast food and others.","point_value":"Not stated; miles redeemable only on the Etihad platform","points_expiry":"Miles validity follows Etihad Guest tier rules","reward_notes":"Miles are credited straight to Etihad Guest, so there is no transfer step. base_return_pct not computed because the issuer publishes no rupee value for a mile.","transfer_partners":["Etihad Guest"],"transfer_ratio":"Direct earn in Etihad Guest miles","lounge_domestic":"8 per year (2 per quarter)","lounge_international":"4 per year (1 per quarter)","lounge_conditions":"No spend condition stated","forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 500-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Page shows milestone miles of 250 monthly, 2,000 quarterly and 12,000 annual; qualifying spends not stated on the page","other_freebies":"Complimentary Etihad Guest Silver tier after first etihad.com transaction within 6 months","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, age 21-60, salaried or self-employed","source_product_page":"https://www.bobcard.co.in/credit-card-types/bobcard-etihad-guest","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://cardinsider.com/bank-of-baroda/bobcard-etihad-guest-credit-card/"],"source_quality":"primary","unverified_fields":["reward_exclusions","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Standard BOBCARD charges apply (interest 3.75% per month, cash advance 2.5% min Rs 500). The Apr 2026 generic MITC does not list the Etihad cards by name, so the forex markup is taken from the product page.","id":102,"depth":"full","slug":"bank-of-baroda-bobcard-etihad-guest","url":"https://m16s.in/cards/bank-of-baroda-bobcard-etihad-guest/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Etihad Guest Premium","cobrand_partner":"Etihad Airways (Etihad Guest)","networks":[],"segment":"super-premium","card_type":["travel","cobrand"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":500000,"fee_notes":"Joining and annual fee Rs 5,000 + GST; annual fee waived on spends of Rs 5 lakh or more (aggregator figures).","welcome_benefit":"Bank of Baroda's listing says 15,000 welcome miles; aggregator breaks this into 10,000 miles on fee payment plus Rs 25,000 spend in 60 days and a limited-time 5,000-mile bonus","reward_currency":"Etihad Guest Miles","base_earn":"2 miles per Rs 100 on other spends","base_return_pct":null,"accelerated_earn":"6 miles per Rs 100 on Etihad Airways spends","reward_caps":null,"reward_exclusions":"Fuel earns no miles. Aggregator lists further excluded categories: rent, wallet loads, government, education, hospital, insurance, telecom, supermarkets/retail stores, charity, fast food and others.","point_value":"Not stated; miles redeemable only on the Etihad platform","points_expiry":"Miles validity follows Etihad Guest tier rules","reward_notes":"Earn rates, welcome miles, lounge counts and zero forex are from Bank of Baroda's own card listing; fees, waiver, milestones and exclusions are from an aggregator because the BOBCARD product page could not be read.","transfer_partners":["Etihad Guest"],"transfer_ratio":"Direct earn in Etihad Guest miles","lounge_domestic":"12 per year","lounge_international":"8 per year","lounge_conditions":"Aggregator: 3 domestic and 2 international per quarter, no spend condition, international via DreamFolks","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 500-5,000 (aggregator)","milestone_benefits":"Aggregator: 500 miles for 4 transactions totalling Rs 50,000 in a month; 4,000 miles on Rs 3 lakh quarterly spend; 24,000 miles on Rs 12 lakh annual spend; 1,000 miles for flying Etihad twice in a year","other_freebies":"Etihad Guest Silver tier on first transaction, Gold for the primary cardholder after first etihad.com transaction (aggregator)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":null,"source_product_page":"https://www.bobcard.co.in/credit-card-types/bobcard-etihad-guest-premium","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://cardinsider.com/bank-of-baroda/bobcard-etihad-guest-premium-credit-card/","https://www.bobcard.co.in/view-cards"],"source_quality":"mixed","unverified_fields":["joining_fee","annual_fee","fee_waiver_spend","milestone_benefits","reward_exclusions","lounge_conditions","fuel_surcharge_waiver","other_freebies"],"date_read":"2026-10-11","notes":"Issuer product page was blocked to the reader. Standard BOBCARD charges apply per aggregator (interest 3.75% per month, cash advance 2.5% min Rs 500).","id":103,"depth":"full","slug":"bank-of-baroda-bobcard-etihad-guest-premium","url":"https://m16s.in/cards/bank-of-baroda-bobcard-etihad-guest-premium/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Scapia Credit Card","cobrand_partner":"Scapia","networks":["Visa","RuPay"],"segment":"mid","card_type":["travel","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Zero joining and annual fee.","welcome_benefit":null,"reward_currency":"Scapia Coins","base_earn":"Page states '10%' rewards on Visa spends of Rs 20+ and '5%' on RuPay spends (offline, online, UPI) of Rs 500+, expressed in Scapia Coins","base_return_pct":null,"accelerated_earn":"'20%' on travel bookings made in the Scapia app","reward_caps":null,"reward_exclusions":"Wallet loads, education, fuel, government services, professional services, real estate, rent, business services, insurance, utilities","point_value":"Not stated on the BOBCARD page; coins can pay up to 100% of a booking on Scapia","points_expiry":null,"reward_notes":"The percentages are coin-earn rates, not rupee cashback; the BOBCARD page does not print the rupee value of a Scapia Coin, so base_return_pct is left null.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited domestic lounge access on spending Rs 20,000 in the month; airport privileges up to Rs 1,000","lounge_international":"Airport privileges up to Rs 2,000 at the international terminal for international bookings above Rs 50,000 made on the Scapia app","lounge_conditions":"Rs 20,000 monthly spend unlock","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions up to Rs 5,000","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian resident, age 25-60, salaried or self-employed; applied for through the Scapia app","source_product_page":"https://www.bobcard.co.in/view-cards/bobcard-scapia-credit-card/","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Zero forex markup is stated for the Visa variant. Scapia cards are also issued by another bank; this entry covers the BOBCARD-issued version. Generic BOBCARD MITC charges apply (interest 3.75% per month, cash advance 2.5% min Rs 500).","id":104,"depth":"full","slug":"bank-of-baroda-bobcard-scapia-credit-card","url":"https://m16s.in/cards/bank-of-baroda-bobcard-scapia-credit-card/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Uni GoldX","cobrand_partner":"Uni Cards","networks":[],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee (aggregator).","welcome_benefit":null,"reward_currency":"Uni Coins, converted to 24K digital gold","base_earn":"1 Uni Coin per Re 1 on eligible spends, converted to digital gold at the prevailing price","base_return_pct":null,"accelerated_earn":"Up to 5% in gold on brand vouchers bought in the Uni app","reward_caps":null,"reward_exclusions":"No coins on money transfers, rent, fuel, cash withdrawals, wallet loads, international transactions, EMI, utilities and government services (aggregator)","point_value":"Rupee value of a Uni Coin not stated in the source read","points_expiry":null,"reward_notes":"All terms except the listing tagline are from an aggregator. base_return_pct left null because the coin-to-rupee value was not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver (aggregator states a cap of Rs 7,500, period not specified)","milestone_benefits":null,"other_freebies":"No complimentary insurance (MITC names UNI Gold X among excluded cards)","interest_rate_monthly_pct":3.99,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% or minimum Rs 300 (aggregator)","eligibility":"Indian resident, age 21-60, salaried or self-employed (aggregator)","source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://cardinsider.com/fintech-cards/bobcard-uni-goldx-credit-card/"],"source_quality":"aggregator","unverified_fields":["joining_fee","annual_fee","base_earn","accelerated_earn","reward_exclusions","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct","cash_advance_fee","eligibility","lounge_domestic","lounge_international","status"],"date_read":"2026-10-11","notes":"Fintech co-brand run through the Uni app; BOBCARD's own listing carries only a tagline and an enquiry button. Aggregator says the card is available 'for a limited time only'. International spends earn no coins even though forex markup is nil. No complimentary insurance (MITC).","id":105,"depth":"full","slug":"bank-of-baroda-bobcard-uni-goldx","url":"https://m16s.in/cards/bank-of-baroda-bobcard-uni-goldx/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD One (OneCard)","cobrand_partner":"OneCard","networks":[],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":null,"welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Issuer listing describes it only as a metal card run through the OneCard app. Fees and earn rates not read from an issuer source.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://www.bobcard.co.in/credit-card-types"],"source_quality":"primary","unverified_fields":["joining_fee","annual_fee","base_earn","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Metal card issued by BOBCARD and managed through the OneCard app ('Manage One BOBCARD' link on the listing). OneCard is also issued by other banks; terms are set in the OneCard app.","id":106,"depth":"fees-only","slug":"bank-of-baroda-bobcard-one-onecard","url":"https://m16s.in/cards/bank-of-baroda-bobcard-one-onecard/"},{"issuer":"Bank of Baroda","card_name":"ICAI Exclusive BOBCARD","cobrand_partner":"ICAI","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: no joining or annual fee (MITC).","welcome_benefit":"500 bonus RP on Rs 5,000 spend within 60 days; FITPASS Pro membership (aggregator says 12 months)","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on dining, online and utility bill spends","reward_caps":"5X earn capped at 1,000 RP per statement cycle; UPI spends earn core points only, max 500 RP per statement cycle","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap. Accelerated rate, lounge count, quarterly milestone and indemnity cover are from Bank of Baroda's card listing; base rate, lounge spend condition and other insurance are from an aggregator because the BOBCARD product page could not be read. Cap on 5X is taken from the identical ICSI/CMA pages.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per year (3 per quarter)","lounge_international":null,"lounge_conditions":"Aggregator: requires Rs 40,000 spend in the previous quarter","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"4,000 RP each quarter on spends above Rs 1 lakh or the credit limit, whichever is higher; aggregator also lists 1,000 bonus RP a month for 5+ transactions of Rs 1,000 or more","other_freebies":"Professional indemnity cover Rs 5 lakh; aggregator lists air accident cover Rs 15 lakh and non-air Rs 5 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Active members of the Institute of Chartered Accountants of India; Indian resident","source_product_page":"https://www.bobcard.co.in/credit-card-types/icai-exclusive-bobcard","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://cardinsider.com/bank-of-baroda/icai-bank-of-baroda-exclusive-credit-card/","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"mixed","unverified_fields":["networks","base_earn","base_return_pct","reward_caps","lounge_conditions","welcome_benefit","other_freebies","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Aggregator quotes 3.49% per month interest for this card; the MITC's generic 3.75% is recorded.","id":107,"depth":"full","slug":"bank-of-baroda-icai-exclusive-bobcard","url":"https://m16s.in/cards/bank-of-baroda-icai-exclusive-bobcard/"},{"issuer":"Bank of Baroda","card_name":"ICSI Diamond BOBCARD","cobrand_partner":"ICSI","networks":["Mastercard","RuPay"],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Zero joining and annual fee.","welcome_benefit":"500 RP on Rs 5,000+ spend within 60 days; 6-month FITPASS Pro membership (stated worth Rs 15,000)","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on dining, online and utility bill spends","reward_caps":"5X earn capped at 1,000 RP per statement cycle; UPI spends earn core points only, max 500 RP per statement cycle","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per year (3 per quarter) at partner domestic lounges","lounge_international":null,"lounge_conditions":"Spend condition not printed on this page; the sister CMA One card needs Rs 40,000 spend in the preceding calendar quarter","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"3,999 RP each quarter when spends exceed Rs 1 lakh or the card's credit limit, whichever is higher","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Active ICSI members; salaried gross salary of at least Rs 4.8 lakh p.a.; ITR threshold for self-employed not legible on the page","source_product_page":"https://www.bobcard.co.in/credit-card-types/icsi-diamond","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":108,"depth":"full","slug":"bank-of-baroda-icsi-diamond-bobcard","url":"https://m16s.in/cards/bank-of-baroda-icsi-diamond-bobcard/"},{"issuer":"Bank of Baroda","card_name":"CMA One BOBCARD","cobrand_partner":"ICMAI","networks":[],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":1,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 1; no annual fee.","welcome_benefit":"6-month FITPASS Pro membership (stated worth Rs 15,000); 500 RP on Rs 5,000+ spend within 60 days","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on dining, online and utility bill spends","reward_caps":"5X earn capped at 1,000 RP per statement cycle; UPI earns core points only","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per year (3 per quarter) at partner domestic lounges","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 40,000 in the preceding calendar quarter","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"4,000 RP each quarter on spends above Rs 1 lakh or the card limit, whichever is higher","other_freebies":"Complimentary insurance mentioned without details","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Active ICMAI members, age 21-75; net annual income / ITR of at least Rs 3 lakh","source_product_page":"https://www.bobcard.co.in/credit-card-types/cma-one","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":109,"depth":"full","slug":"bank-of-baroda-cma-one-bobcard","url":"https://m16s.in/cards/bank-of-baroda-cma-one-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Indian Army Yoddha BOBCARD","cobrand_partner":"Indian Army","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free; up to 3 lifetime-free add-on cards.","welcome_benefit":"500 bonus RP on Rs 5,000+ spend within 60 days; 12-month FITPASS Pro membership (stated worth Rs 48,000)","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 (5X) on departmental stores (Bank of Baroda's listing adds movies)","reward_caps":"5X earn capped at 1,000 RP per month; UPI earns core points only (max 500 RP per statement cycle)","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; departmental-store spends return 2.5% until the 1,000 RP monthly cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 20,000 in the preceding calendar quarter","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"12-month Amazon Prime membership on spends of Rs 1 lakh within 90 days","other_freebies":"24x7 RuPay concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Serving Indian Army personnel, veterans, Veer Nari and cadets; age from 18","source_product_page":"https://www.bobcard.co.in/credit-card-types/indian-army-yoddha","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":110,"depth":"full","slug":"bank-of-baroda-indian-army-yoddha-bobcard","url":"https://m16s.in/cards/bank-of-baroda-indian-army-yoddha-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Assam Rifles The Sentinel BOBCARD","cobrand_partner":"Assam Rifles","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free; up to 3 lifetime-free add-on cards.","welcome_benefit":"500 bonus RP on Rs 5,000+ spend within 60 days; 6-month FITPASS Pro membership (stated worth Rs 15,000)","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 (5X) on departmental stores (Bank of Baroda's listing adds movies)","reward_caps":"5X earn capped at 1,000 RP per month; UPI earns core points only (max 500 RP per statement cycle)","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; departmental-store spends return 2.5% until the 1,000 RP monthly cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":null,"lounge_conditions":"From 1 Jan 2025, requires minimum spend of Rs 20,000 in the preceding calendar quarter","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"12-month Amazon Prime membership on spends of Rs 1 lakh within 90 days","other_freebies":"24x7 RuPay concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Assam Rifles personnel and veterans; age 18-70","source_product_page":"https://www.bobcard.co.in/credit-card-types/assam-rifles-the-sentinel","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":111,"depth":"full","slug":"bank-of-baroda-assam-rifles-the-sentinel-bobcard","url":"https://m16s.in/cards/bank-of-baroda-assam-rifles-the-sentinel-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Indian Coast Guard Rakshamah BOBCARD","cobrand_partner":"Indian Coast Guard","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: no joining or annual fee.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 (5X) on departmental stores and movies (categories from Bank of Baroda's listing)","reward_caps":"5X earn capped at 1,000 RP per month; UPI earns core points only (max 500 RP per statement cycle)","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; departmental-store spends return 2.5% until the 1,000 RP monthly cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 domestic lounge visits per year (Bank of Baroda's listing)","lounge_international":null,"lounge_conditions":"Spend condition not printed on this page; sister defence cards need Rs 20,000 spend in the preceding calendar quarter","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":"12-month Amazon Prime membership on milestone spends (threshold not printed for this card)","other_freebies":"24x7 RuPay concierge. Page says benefits need at least one card use in the preceding 30 days.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Indian Coast Guard personnel and veterans; age 18-70","source_product_page":"https://www.bobcard.co.in/credit-card-types/indian-coast-guard-rakshamah","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks","lounge_conditions"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":112,"depth":"full","slug":"bank-of-baroda-indian-coast-guard-rakshamah-bobcard","url":"https://m16s.in/cards/bank-of-baroda-indian-coast-guard-rakshamah-bobcard/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Vikram","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free; up to 3 lifetime-free add-on cards.","welcome_benefit":"3-month JioHotstar subscription on first transaction within 30 days; 500 RP on Rs 5,000 spend within 60 days","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on movies and departmental stores","reward_caps":"5X earn capped at 1,000 RP per month; UPI earns core points only","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.49,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Designated personnel of India's defence, paramilitary and police forces; age 18-60 (Telangana Police 18-61)","source_product_page":"https://www.bobcard.co.in/credit-card-types/vikram","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/lifetime-free-credit-card","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Product page quotes a service charge of 3.49% per month, lower than the MITC's generic 3.75%; page value recorded.","id":113,"depth":"full","slug":"bank-of-baroda-bobcard-vikram","url":"https://m16s.in/cards/bank-of-baroda-bobcard-vikram/"},{"issuer":"Bank of Baroda","card_name":"Indian Navy Varunah Premium BOBCARD","cobrand_partner":"Indian Navy","networks":["RuPay"],"segment":"premium","card_type":["rewards","cobrand","travel"],"status":"open","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":150000,"fee_notes":"Joining fee Rs 2,499 waived on Rs 25,000 spend in first 180 days. Annual fee Rs 2,499 waived on Rs 1.5 lakh spend in the anniversary year.","welcome_benefit":"12-month Amazon Prime membership and 500 bonus RP (aggregator)","reward_currency":"BOBCARD Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":0.75,"accelerated_earn":"15 RP per Rs 100 (5X) on travel, dining, online and international spends (categories from Bank of Baroda's listing)","reward_caps":"5X earn capped at 2,500 RP per statement cycle; UPI earns core points only, max 500 RP per statement cycle","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 3 RP x Rs 0.25 / Rs 100 = 0.75%; accelerated categories return 3.75% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited domestic lounge access (Bank of Baroda's listing)","lounge_international":null,"lounge_conditions":"Spend condition not printed on the page read","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":"12-month Amazon Prime membership; aggregator lists air accident cover Rs 1 crore and non-air Rs 10 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Serving Indian Navy sailors and officers, and Indian Navy veterans; age 18-70","source_product_page":"https://www.bobcard.co.in/credit-card-types/indian-navy-varunah","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://cardinsider.com/bank-of-baroda/bank-of-baroda-varunah-credit-card/"],"source_quality":"primary","unverified_fields":["networks","lounge_conditions","welcome_benefit","other_freebies"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":114,"depth":"full","slug":"bank-of-baroda-indian-navy-varunah-premium-bobcard","url":"https://m16s.in/cards/bank-of-baroda-indian-navy-varunah-premium-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Indian Navy Varunah Plus BOBCARD","cobrand_partner":"Indian Navy","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":150000,"fee_notes":"Joining fee Rs 1,499 waived on Rs 15,000 spend in first 180 days. Annual fee Rs 1,499 waived on Rs 1.5 lakh spend in the anniversary year.","welcome_benefit":"12-month Amazon Prime membership (aggregator)","reward_currency":"BOBCARD Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 (5X) on dining, travel, online and international spends","reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%. The issuer page prints benefit details for the Premium variant only; Plus earn rates, lounge and insurance are from an aggregator. Cap on 5X earn not found for this variant.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"3 per quarter (aggregator)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":"Aggregator lists air accident cover Rs 50 lakh and non-air Rs 10 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Serving Indian Navy sailors and officers, and Indian Navy veterans; age 18-70","source_product_page":"https://www.bobcard.co.in/credit-card-types/indian-navy-varunah","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://cardinsider.com/bank-of-baroda/bank-of-baroda-varunah-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","base_return_pct","accelerated_earn","lounge_domestic","other_freebies"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":115,"depth":"full","slug":"bank-of-baroda-indian-navy-varunah-plus-bobcard","url":"https://m16s.in/cards/bank-of-baroda-indian-navy-varunah-plus-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Indian Navy Varunah BOBCARD","cobrand_partner":"Indian Navy","networks":["RuPay"],"segment":"entry","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee (MITC).","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on groceries and departmental stores","reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%. The issuer page prints benefit details for the Premium variant only; base-variant earn rates, lounge and insurance are from an aggregator.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (aggregator)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 100 per statement (MITC)","milestone_benefits":null,"other_freebies":"Aggregator lists accidental death cover of Rs 20 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Serving Indian Navy sailors and officers, and Indian Navy veterans; age 18-70","source_product_page":"https://www.bobcard.co.in/credit-card-types/indian-navy-varunah","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf","https://cardinsider.com/bank-of-baroda/bank-of-baroda-varunah-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","base_earn","base_return_pct","accelerated_earn","lounge_domestic","other_freebies","forex_markup_pct"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The MITC does not name the base Varunah under a specific forex rate, so the 'all other cards' rate of 3.5% is assumed.","id":116,"depth":"full","slug":"bank-of-baroda-indian-navy-varunah-bobcard","url":"https://m16s.in/cards/bank-of-baroda-indian-navy-varunah-bobcard/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Empower","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Zero joining fee. Annual fee Rs 500 reversed on Rs 50,000 spend in the anniversary year.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%. Earn rate is from Bank of Baroda's card listing, which says points are redeemable as cashback with no cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":"Business name embossed on card","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Self-employed proprietors, age 21-65. BOB customers: annual income Rs 2.4 lakh; others: Rs 4.8 lakh. Income proof via GST registration/returns or a business loan of Rs 2 lakh+.","source_product_page":"https://www.bobcard.co.in/credit-card-types/empower","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":117,"depth":"full","slug":"bank-of-baroda-bobcard-empower","url":"https://m16s.in/cards/bank-of-baroda-bobcard-empower/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Corporate","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Zero joining fee. Annual fee Rs 1,000 waived on Rs 1 lakh spend in the anniversary year (MITC 'Corporate Global').","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%. Earn rate and lounge count are from Bank of Baroda's card listing.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 domestic lounge visits per year","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Companies with an existing Bank of Baroda relationship (CC/OD, current account or fixed deposit); sole proprietorships not eligible. Three years of financials required.","source_product_page":"https://www.bobcard.co.in/credit-card-types/corporate","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":118,"depth":"full","slug":"bank-of-baroda-bobcard-corporate","url":"https://m16s.in/cards/bank-of-baroda-bobcard-corporate/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Micro Enterprise","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining fee Rs 500 'waived as a service gesture'. Annual fee Rs 500 waived on annual spends of Rs 50,000.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 RP = Rs 0.25 as cashback, or Rs 0.15 when used to pay","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.5,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Micro enterprises registered on the Government of India's JanSamarth portal; primary cardholder age 21-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/bobcard-micro-enterprise","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Finance charge on this card is 1.5% per month (18% p.a.) per the product page, well below the generic MITC rate. The card is not named in the Apr 2026 generic MITC.","id":119,"depth":"full","slug":"bank-of-baroda-bobcard-micro-enterprise","url":"https://m16s.in/cards/bank-of-baroda-bobcard-micro-enterprise/"},{"issuer":"Bank of Baroda","card_name":"BUPB/BGGB/BRKGB Pragati BOBCARD","cobrand_partner":"Baroda-sponsored Regional Rural Banks (BUPB, BGGB, BRKGB)","networks":[],"segment":"entry","card_type":["rewards","cobrand"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":25000,"fee_notes":"Zero joining fee. Annual fee Rs 250 waived on Rs 25,000 spend in the anniversary year (MITC).","welcome_benefit":"500 RP on Rs 5,000 spend within 60 days of issuance","reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on departmental stores and movies","reward_caps":"5X earn capped at 1,000 RP per statement; UPI earns core points only","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":"Personal accidental death cover Rs 15 lakh (air) and Rs 5 lakh (non-air); up to 3 free add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Customers and staff of the Baroda-sponsored RRBs in Uttar Pradesh, Gujarat and Rajasthan; salaried age 21-60, self-employed 24-65","source_product_page":"https://www.bobcard.co.in/view-cards/bupb-bggb-brkgb-pragati","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":120,"depth":"full","slug":"bank-of-baroda-bupb-bggb-brkgb-pragati-bobcard","url":"https://m16s.in/cards/bank-of-baroda-bupb-bggb-brkgb-pragati-bobcard/"},{"issuer":"Bank of Baroda","card_name":"Nainital Bank Renaissance BOBCARD","cobrand_partner":"Nainital Bank","networks":[],"segment":"entry","card_type":["rewards","cobrand"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":25000,"fee_notes":"Zero joining fee. Annual fee Rs 250 reversed on Rs 25,000 spend in each anniversary year.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 (5X) on departmental stores and movies","reward_caps":"5X earn capped at 1,000 RP per statement; UPI spends max 500 RP per statement","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%. Earn rates are from Bank of Baroda's card listing; caps from the BOBCARD product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Nainital Bank customers; primary cardholder age 21-65","source_product_page":"https://www.bobcard.co.in/credit-card-types/nainital-bank-renaissance","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards","https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.","id":121,"depth":"full","slug":"bank-of-baroda-nainital-bank-renaissance-bobcard","url":"https://m16s.in/cards/bank-of-baroda-nainital-bank-renaissance-bobcard/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Prime","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["secured","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: no joining or annual fee.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"UPI spends: max 500 RP per statement cycle, core points only","reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.20 as cashback (lower than the Rs 0.25 on other BOBCARD cards)","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"Product page gives the redemption value (Rs 0.20 per point) but not the earn rate, so base_return_pct is left null.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Issued against a Bank of Baroda fixed deposit of Rs 15,000 or more with lien marked on the FD; no income proof; guaranteed issuance except for CIBIL-delinquent applicants; age 18-85. NRIs need an NRO/NRE account with BOB.","source_product_page":"https://www.bobcard.co.in/credit-card-types/prime","source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards","https://www.bobcard.co.in/view-cards"],"source_quality":"primary","unverified_fields":["base_earn","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Secured card. Earn rate and limit as a share of the FD are not printed on the product page. Not named in the Apr 2026 generic MITC, so the generic forex, interest and fuel terms are assumed.","id":122,"depth":"fees-only","slug":"bank-of-baroda-bobcard-prime","url":"https://m16s.in/cards/bank-of-baroda-bobcard-prime/"},{"issuer":"Bank of Baroda","card_name":"Instant RuPay BOBCARD (bob e-Pay)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["lifetime-free","upi","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Zero joining and annual fee (Bank of Baroda's card listing).","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"'5X rewards on popular categories' (listing wording; categories and base rate not stated)","reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"Virtual RuPay credit card issued through the bob e-Pay UPI app. Only the listing's headline claims were read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"'Complimentary lounge access' (count not stated)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":"Applied for inside the bob e-Pay app","source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://bankofbaroda.bank.in/digital-products/cards/credit-cards"],"source_quality":"primary","unverified_fields":["base_earn","lounge_domestic","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct","late_payment_fee"],"date_read":"2026-10-11","notes":"Digital, card-less RuPay credit card for UPI payments. No product page or card-specific terms were found; the listing links only to the app stores. EMI up to 48 months mentioned.","id":123,"depth":"fees-only","slug":"bank-of-baroda-instant-rupay-bobcard-bob-e-pay","url":"https://m16s.in/cards/bank-of-baroda-instant-rupay-bobcard-bob-e-pay/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD Swavlamban","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":250,"annual_fee":250,"fee_waiver_spend":12000,"fee_notes":"Joining fee Rs 250 charged in the first cycle and waived on Rs 2,500 spend in first 60 days. Annual fee Rs 250 waived on Rs 12,000 spend in the anniversary year.","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"Named only in the MITC fee table; no product page found, so rewards are not recorded.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["status","base_earn"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Not on the public card listing; may be a scheme-specific or closed-loop product. Status not confirmed.","id":124,"depth":"fees-only","slug":"bank-of-baroda-bobcard-swavlamban","url":"https://m16s.in/cards/bank-of-baroda-bobcard-swavlamban/"},{"issuer":"Bank of Baroda","card_name":"BOBCARD ConQR","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee (MITC).","welcome_benefit":null,"reward_currency":"BOBCARD Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.","point_value":"1 Reward Point = Rs 0.25 as cashback","points_expiry":"No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)","reward_notes":"Named only in the MITC fee table; no product page found, so rewards are not recorded.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://media.bobcard.co.in//media/gaudahay/bobcard-generic_mitc_4x8_ver-20_06apr26.pdf","source_other":["https://media.bobcard.co.in//media/rfnlbqkz/kfs-july2025.pdf"],"source_quality":"primary","unverified_fields":["status","base_earn"],"date_read":"2026-10-11","notes":"MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. Not on the public card listing. Status not confirmed.","id":125,"depth":"fees-only","slug":"bank-of-baroda-bobcard-conqr","url":"https://m16s.in/cards/bank-of-baroda-bobcard-conqr/"},{"issuer":"Canara Bank","card_name":"Visa Signature Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 1000 + GST if card-year turnover is below Rs 200,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"3 per quarter (self only)","lounge_international":"Not available","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 10 lakh per annum. Credit limit Rs 1.5 lakh to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/visa-signature-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":126,"depth":"full","slug":"canara-visa-signature-credit-card","url":"https://m16s.in/cards/canara-visa-signature-credit-card/"},{"issuer":"Canara Bank","card_name":"RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"premium","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 300 + GST if card-year turnover is below Rs 100,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":"5% cashback on utility bill payments (cap Rs 50 per month) and 5% cashback at restaurants/eating places (cap Rs 50 per month), RuPay network offer","reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (primary cardholder only)","lounge_international":"2 per year (primary cardholder only), via RuPay/NPCI programme","lounge_conditions":"NPCI RuPay lounge programme (page cites 30 domestic lounges in 11 cities and 500+ international lounges); no spend condition published by the bank","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh; NPCI RuPay insurance Rs 10 lakh (accidental death/permanent disability); 24x7 concierge","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 10 lakh per annum. Credit limit Rs 1 lakh to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/rupay-select-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":127,"depth":"full","slug":"canara-rupay-select-credit-card","url":"https://m16s.in/cards/canara-rupay-select-credit-card/"},{"issuer":"Canara Bank","card_name":"MasterCard World Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 300 + GST if card-year turnover is below Rs 100,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"3 self + 2 guest per quarter","lounge_international":"2 self + 2 guest per year","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 10 lakh per annum. Credit limit up to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/mastercard-world-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":128,"depth":"full","slug":"canara-mastercard-world-credit-card","url":"https://m16s.in/cards/canara-mastercard-world-credit-card/"},{"issuer":"Canara Bank","card_name":"Visa Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 200 + GST if card-year turnover is below Rs 50,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (self only)","lounge_international":"Not available","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 3 lakh per annum. Credit limit up to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/visa-platinum-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":129,"depth":"full","slug":"canara-visa-platinum-credit-card","url":"https://m16s.in/cards/canara-visa-platinum-credit-card/"},{"issuer":"Canara Bank","card_name":"RuPay Select Secured Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","lifetime-free","secured"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 300 + GST if card-year turnover is below Rs 100,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":"Rs 500 Croma gift voucher, Apollo Pharmacy discount coupon and Rs 100 off first two Snapdeal transactions (RuPay network offer listed on page)","reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":"5% cashback on utility bill payments (cap Rs 50 per month) and 5% cashback at restaurants/eating places (cap Rs 50 per month), RuPay network offer","reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (primary cardholder only)","lounge_international":"2 per year (primary cardholder only), via RuPay/NPCI programme","lounge_conditions":"NPCI RuPay lounge programme; no spend condition published by the bank","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh; NPCI RuPay insurance Rs 10 lakh (accidental death/permanent disability); 24x7 concierge","interest_rate_monthly_pct":2,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Issued against a Canara Bank fixed deposit in the applicant's name (joint 'Either or Survivor' deposits accepted); no income criterion. Limit up to 75% of FD principal in one section of the page and 100% in another. Minimum limit Rs 25,000.","source_product_page":"https://www.canarabank.bank.in/rupay-select-secured-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published. Secured card: the page gives conflicting figures for limit as a share of the FD (75% vs 100%). MITC and variants PDF give 2.0% per month (24% p.a.) for secured cards; the product page fee table repeats 2.5% per month. MITC rate used.","id":130,"depth":"full","slug":"canara-rupay-select-secured-credit-card","url":"https://m16s.in/cards/canara-rupay-select-secured-credit-card/"},{"issuer":"Canara Bank","card_name":"Mastercard Platinum Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 200 + GST if card-year turnover is below Rs 50,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 self + 1 guest per quarter","lounge_international":"Not available","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 3 lakh per annum. Credit limit up to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/mastercard-platinum-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":131,"depth":"full","slug":"canara-mastercard-platinum-credit-card","url":"https://m16s.in/cards/canara-mastercard-platinum-credit-card/"},{"issuer":"Canara Bank","card_name":"Visa Corporate Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business"],"status":"open","joining_fee":250,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment fee Rs 250 on main card. Annual fee Rs 400 applies to add-on cards only (fee table); the features table shows Rs 400 without that qualifier. No inactivity fee.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Product page features table lists reward points as 'Not Applicable' for the corporate card, though it also repeats the generic redemption line. Treated as no rewards.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 4 lakh (self)/Rs 2 lakh (spouse); other accident Rs 2 lakh/Rs 1 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 2 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Canara Bank customers only. Firm needs minimum annual turnover of Rs 10 crore; below that, a secured card against lien on the company's fixed deposit. Each main card must carry at least one add-on card. Main card limit Rs 50,000 to Rs 25 crore; add-on Rs 10,000 to Rs 5 lakh.","source_product_page":"https://www.canarabank.bank.in/visa-corporate-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":["annual_fee"],"date_read":"2026-10-11","notes":"Corporate card. Cash withdrawal limit 50% of credit limit (page shows an overall cap of Rs 5 lakh; MITC shows Rs 25 lakh), Rs 25,000 per add-on card. EMI conversion not available. MITC tariff dated 01.04.2022. Page shows maximum monthly limit as Rs 2 crore in one place and Rs 25 crore in another.","id":132,"depth":"fees-only","slug":"canara-visa-corporate-credit-card","url":"https://m16s.in/cards/canara-visa-corporate-credit-card/"},{"issuer":"Canara Bank","card_name":"RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 200 + GST if card-year turnover is below Rs 50,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter, maximum 4 per year","lounge_international":"Not available","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 3 lakh per annum. Credit limit Rs 50,000 to Rs 50 lakh.","source_product_page":"https://www.canarabank.bank.in/rupay-platinum-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":133,"depth":"full","slug":"canara-rupay-platinum-credit-card","url":"https://m16s.in/cards/canara-rupay-platinum-credit-card/"},{"issuer":"Canara Bank","card_name":"Mastercard Gold Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 150 + GST if card-year turnover is below Rs 25,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 3 lakh per annum. Credit limit up to Rs 25 lakh.","source_product_page":"https://www.canarabank.bank.in/mastercard-gold-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published. Product page is internally inconsistent on the inactivity threshold (Rs 12,000 in the benefits table, Rs 25,000 in the charges table and MITC); Rs 25,000 used.","id":134,"depth":"full","slug":"canara-mastercard-gold-credit-card","url":"https://m16s.in/cards/canara-mastercard-gold-credit-card/"},{"issuer":"Canara Bank","card_name":"Visa Gold Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 150 + GST if card-year turnover is below Rs 25,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 3 lakh per annum. Credit limit up to Rs 25 lakh.","source_product_page":"https://www.canarabank.bank.in/visa-gold-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":135,"depth":"full","slug":"canara-visa-gold-credit-card","url":"https://m16s.in/cards/canara-visa-gold-credit-card/"},{"issuer":"Canara Bank","card_name":"RuPay Platinum Secured Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","secured"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 200 + GST if card-year turnover is below Rs 50,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter, maximum 4 per year","lounge_international":"Not available","lounge_conditions":"Selected lounges only; no spend condition published","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Issued against a Canara Bank fixed deposit in the applicant's name (joint 'Either or Survivor' deposits accepted); no income criterion. Limit up to 75% of FD principal in one section of the page and 100% in another. The page shows the minimum limit as both Rs 25,000 and Rs 50,000.","source_product_page":"https://www.canarabank.bank.in/rupay-platinum-secured-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published. Secured card: the page gives conflicting figures for limit as a share of the FD (75% vs 100%). MITC and variants PDF give 2.0% per month (24% p.a.) for secured cards; the product page fee table repeats 2.5% per month. MITC rate used.","id":136,"depth":"full","slug":"canara-rupay-platinum-secured-credit-card","url":"https://m16s.in/cards/canara-rupay-platinum-secured-credit-card/"},{"issuer":"Canara Bank","card_name":"Mastercard Gold Secured Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards","lifetime-free","secured"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 150 + GST if card-year turnover is below Rs 25,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 8 lakh (self)/Rs 4 lakh (spouse); other accident Rs 4 lakh/Rs 2 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 5 lakh","interest_rate_monthly_pct":2,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Issued against a Canara Bank fixed deposit in the applicant's name (joint 'Either or Survivor' deposits accepted); no income criterion. Limit up to 75% of FD principal in one section of the page and 100% in another. Minimum limit Rs 25,000.","source_product_page":"https://www.canarabank.bank.in/mastercard-gold-secured-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published. Secured card: the page gives conflicting figures for limit as a share of the FD (75% vs 100%). MITC and variants PDF give 2.0% per month (24% p.a.) for secured cards; the product page fee table repeats 2.5% per month. MITC rate used. Inactivity threshold shown as Rs 12,000 in one table and Rs 25,000 in another; Rs 25,000 (MITC) used.","id":137,"depth":"full","slug":"canara-mastercard-gold-secured-credit-card","url":"https://m16s.in/cards/canara-mastercard-gold-secured-credit-card/"},{"issuer":"Canara Bank","card_name":"Visa Gold Secured Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free","secured"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 150 + GST if card-year turnover is below Rs 25,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 4 lakh (self)/Rs 2 lakh (spouse); other accident Rs 2 lakh/Rs 1 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 2 lakh","interest_rate_monthly_pct":2,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Issued against a Canara Bank fixed deposit in the applicant's name (joint 'Either or Survivor' deposits accepted); no income criterion. Limit up to 75% of FD principal in one section of the page and 100% in another. Minimum limit Rs 25,000.","source_product_page":"https://www.canarabank.bank.in/visa-gold-secured-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":["other_freebies"],"date_read":"2026-10-31","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published. Secured card: the page gives conflicting figures for limit as a share of the FD (75% vs 100%). MITC and variants PDF give 2.0% per month (24% p.a.) for secured cards; the product page fee table repeats 2.5% per month. MITC rate used. This page shows the lower insurance tier (fraud cover Rs 2 lakh, air accident Rs 4 lakh) although MITC puts Gold cards in the higher tier; page values recorded. Inactivity fee shown as Rs 100 in the features table and Rs 150 in the fee table.","id":138,"depth":"full","slug":"canara-visa-gold-secured-credit-card","url":"https://m16s.in/cards/canara-visa-gold-secured-credit-card/"},{"issuer":"Canara Bank","card_name":"RuPay Classic Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 100 + GST if card-year turnover is below Rs 12,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available per the bank's variants PDF (Classic/Standard tier); the product page carries a generic 'available at selected lounges' line with no count","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 4 lakh (self)/Rs 2 lakh (spouse); other accident Rs 2 lakh/Rs 1 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 2 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 2 lakh per annum. Credit limit up to Rs 5 lakh.","source_product_page":"https://www.canarabank.bank.in/rupay-classic-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":139,"depth":"full","slug":"canara-rupay-classic-credit-card","url":"https://m16s.in/cards/canara-rupay-classic-credit-card/"},{"issuer":"Canara Bank","card_name":"MasterCard Standard Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 100 + GST if card-year turnover is below Rs 12,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 4 lakh (self)/Rs 2 lakh (spouse); other accident Rs 2 lakh/Rs 1 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 2 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 2 lakh per annum. Credit limit up to Rs 5 lakh.","source_product_page":"https://www.canarabank.bank.in/mastercard-standard-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":140,"depth":"full","slug":"canara-mastercard-standard-credit-card","url":"https://m16s.in/cards/canara-mastercard-standard-credit-card/"},{"issuer":"Canara Bank","card_name":"Visa Classic Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Enrolment, joining and annual fee: Nil. Card inactivity fee Rs 100 + GST if card-year turnover is below Rs 12,000. Not a fee waiver in the usual sense: the fee exists only as a penalty for low usage.","welcome_benefit":null,"reward_currency":"Canara Rewardz points","base_earn":"2 points per Rs 100 on POS and e-commerce spends","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"10,000 points per billing cycle (MITC); cap not applied during bank-run campaigns","reward_exclusions":"Fuel transactions and cash withdrawals earn no points (MITC). Fractions of Rs 100 earn nothing.","point_value":"1 point = Rs 0.25 (MITC)","points_expiry":"3 years from date of accrual; unused points lapse on card closure","reward_notes":"base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%. Cashback redemption needs minimum 1,000 points, in multiples of 100, credited in next statement. MITC says additional processing fees apply for recharge/merchandise redemptions (amount shown at redemption, not published). Redemption via canararewardz.com or Canara ai1 app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not available","lounge_international":"Not available","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% surcharge reimbursed up to Rs 100 per billing month, only if the card has at least Rs 2,500 of non-fuel purchases in that billing month and each fuel transaction is Rs 400 or more; credited next billing month","milestone_benefits":null,"other_freebies":"Insurance: air accident Rs 4 lakh (self)/Rs 2 lakh (spouse); other accident Rs 2 lakh/Rs 1 lakh; baggage up to Rs 25,000; purchase protection up to Rs 25,000; fraudulent charge cover Rs 2 lakh","interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 250 + GST","cash_advance_fee":"3% of amount, minimum Rs 150 (Canara ATMs); product page features table words it as Rs 30 per Rs 1,000 or part thereof. Other-bank ATM charges extra.","eligibility":"Independent gross income of at least Rs 2 lakh per annum. Credit limit up to Rs 5 lakh.","source_product_page":"https://www.canarabank.bank.in/visa-classic-credit-card","source_mitc_or_tnc":"https://www.canarabank.bank.in/documents/d/guest/mitc-202","source_other":["https://www.canarabank.bank.in/credit-cards","https://www.canarabank.bank.in/documents/d/guest/credit-20card-20variants-20and-20features"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"No joining or annual fee, but an inactivity fee is charged if card-year turnover is below the threshold in fee_notes. The published MITC tariff is marked 'applicable as on 01.04.2022' and the linked credit card policy is 2023-24, so charges may be stale. The 'Credit Card Variants & Features' PDF lists a Rs 250 joining fee for primary cards and Rs 400 add-on annual fee, which conflicts with the product page ('Nil'); product page value used. Baggage and purchase protection cover is Rs 25,000 on product page and MITC but Rs 50,000 in the variants PDF. EMI conversion via Canara ai1 app: 13% p.a. (3/6/9 months), 14% p.a. (12/18/24 months), processing fee 2% (min Rs 100, max Rs 200). Card replacement Rs 300. Railway counter surcharge Rs 30 + 2.5%; IRCTC 1%. No over-limit fee amount is published.","id":141,"depth":"full","slug":"canara-visa-classic-credit-card","url":"https://m16s.in/cards/canara-visa-classic-credit-card/"},{"issuer":"Citi Bank","card_name":"Citi Commercial Cards (corporate charge card programme)","cobrand_partner":null,"networks":null,"segment":"premium","card_type":["business"],"status":"invite-only","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Annual/joining, cash advance and late payment fees are set in each corporate's agreement; no public schedule. Fee changes need one month's notice.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"As per corporate agreement; no interest is charged on overdues (charge card)","cash_advance_fee":"As per corporate agreement","eligibility":"Companies banked by Citi India's Corporate Banking or Commercial Banking units with valid KYC and adequate financial standing; sole corporate liability. Not available to individuals.","source_product_page":null,"source_mitc_or_tnc":"https://www.citigroup.citi.bank.in/rcs/citi-india/storage/public/India/key-policies-commitments/citi-commercial-card-issuance-and-conduct.pdf","source_other":["https://rbi.org.in/SCRIPTs/ATMView.aspx?atmid=186","https://livefromalounge.com/citi-india-retail-transitions-to-axis-bank/"],"source_quality":"primary","unverified_fields":["networks","segment"],"date_read":"2026-10-11","notes":"Citi sold its India consumer business, including all consumer credit cards, to Axis Bank (transition effective 1 Mar 2023; cards later rebranded to Axis products such as Olympus, Horizon, Rewards, Cashback, IndianOil Premium, IKEA). Citibank N.A. India still issues commercial cards to its institutional clients; its 'Commercial Card Issuance and Conduct' policy (Oct 2025, modified 4 Sep 2026) describes charge cards with sole corporate liability, monthly billing with full payment due, closure within 7 working days. RBI's Aug 2026 provisional data shows 281,242 Citi credit cards outstanding, consistent with a corporate card book; RBI does not publish the split. No Citi card is open to individual applicants. Product names, networks, fees and forex markup are not published.","id":142,"depth":"fees-only","slug":"citi-commercial-cards-corporate-charge-card-programme","url":"https://m16s.in/cards/citi-commercial-cards-corporate-charge-card-programme/"},{"issuer":"DBS Bank India","card_name":"DBS Vantage","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":50000,"annual_fee":50000,"fee_waiver_spend":1000000,"fee_notes":"Consolidated MITC and Vantage MITC: Rs 50,000 joining and annual for non-Treasures customers; Elite Rs 10,000; Treasures Rs 20,000 (GST extra). The separate Product Benefits T&C page shows Rs 20,000 for non-Treasures and nil joining / Rs 20,000 annual for Treasures, waived at Rs 2 crore total relationship value. Product page says annual fee waived on Rs 10 lakh annual spend. Confirm the tier that applies before accepting an invite.","welcome_benefit":"10,000 Vantage Points on first transaction within 30 days after paying the joining fee (not given where no joining fee is charged)","reward_currency":"Vantage Points","base_earn":"4 VP per Rs 200 on domestic purchases (each transaction rounded down to a multiple of Rs 200)","base_return_pct":2.0,"accelerated_earn":"Accelerated VP on flight and hotel bookings via DBS Delights. Product page still advertises 8 VP per Rs 200 on international spends, but the Product Benefits T&C lists all international spends as excluded.","reward_caps":"Per statement cycle: insurance 2,000 VP; grocery, utility and telecom 1,200 VP","reward_exclusions":"Fuel, wallet loads, duty-free stores, rent, third-party education payments, all international spends, EMI conversions, balance transfers, cash advances, fees and interest","point_value":"1 VP = Rs 1 (product page)","points_expiry":"2 years from accrual","reward_notes":"base_return_pct = 4 VP per Rs 200 x Rs 1. Redemption via DBS Cards+ IN app and DBS Delights portal; Rs 99 + GST redemption fee per MITC. Redemption blocked if payment is 5+ days late; points forfeited after 30 days past due. Points cannot offset the card bill.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited, primary cardholder only","lounge_international":"Unlimited via LoungeKey, primary cardholder only","lounge_conditions":"Guests are charged per visit to the primary card","forex_markup_pct":0,"fuel_surcharge_waiver":"1% waiver on fuel txns of Rs 1,000-6,000, cap Rs 200 per billing cycle","milestone_benefits":"10,000 VP on spends above Rs 5 lakh in a calendar quarter (annual cap 40,000 VP) per the Product Benefits T&C. Product page lists 5,000 VP at Rs 3 lakh or 10,000 VP at Rs 5 lakh per quarter, or 40,000 VP at Rs 20 lakh a year.","other_freebies":"4 golf sessions per calendar year; one hotel membership (Taj Epicure, ITC Culinaire or Club Marriott); 10% duty-free cashback up to Rs 1,500 a month; 2 airport meet & greet a year after Rs 3 lakh spend; 24x7 concierge; metal card","interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":"Invite-only; aimed at DBS Treasures (wealth) customers. No income criteria published.","source_product_page":"https://www.dbs.bank.in/in/credit-cards/vantage.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/vantage/dbs-vantage-metal-card.html","source_other":["https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","https://www.dbs.bank.in/in/credit-cards/vantage/mitc.html"],"source_quality":"primary","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","accelerated_earn","milestone_benefits","transfer_partners"],"date_read":"2026-10-31","notes":"DBS documents disagree with each other after a benefit revision effective 10 Jul 2026. Forex: consolidated MITC and Product Benefits T&C say 0% on all overseas spends; the older Vantage MITC and product page body say 0% in Singapore and 1.75% elsewhere. International spends appear to earn no Vantage Points under the revised terms. Finance charge is 3.5%-4% per month by profile; 4% recorded. No airline or hotel transfer programme was found; T&C says points are not transferable. Network not stated on the pages read (Visa is assumed). Rent, utility, fuel, education, wallet and travel category fees are marked not applicable to Vantage in the consolidated MITC, though the Vantage MITC lists a 1% rent fee.","id":143,"depth":"full","slug":"dbs-vantage","url":"https://m16s.in/cards/dbs-vantage/"},{"issuer":"DBS Bank India","card_name":"DBS Spark5","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":150000,"fee_notes":"Rs 499 + GST joining and annual (consolidated MITC). Annual fee waived on Rs 150,000 spend in the anniversary year. Welcome bonus and waiver apply to fee-based cards only.","welcome_benefit":"2,500 Cash Points on first purchase within 30 days and payment of joining fee","reward_currency":"Cash Points","base_earn":"2 Cash Points per Rs 200 of eligible spend, rounded down","base_return_pct":0.25,"accelerated_earn":"5X (extra 8 CP per Rs 200) on all eligible spends once monthly spend crosses Rs 10,000","reward_caps":"3,000 Cash Points per month on accelerated earn (account level); thresholds reset every statement cycle","reward_exclusions":"Fuel, wallet loads, rent, jewellery, cash withdrawals, EMI and balance transfers, fees and interest (fuel, wallet, rent and jewellery still count toward milestone thresholds)","point_value":"1 Cash Point = up to Rs 0.25 (benefit T&C); product page says up to Rs 0.20","points_expiry":"2 years from accrual","reward_notes":"base_return_pct = 2 CP per Rs 200 x Rs 0.25 best case (0.2% at Rs 0.20). Redeemed on DBS Delights via the DBS Cards+ app; MITC lists a Rs 99 + GST redemption fee. Redemption blocked 5 days past due; points forfeited 30 days past due. Spends beyond the credit limit earn nothing.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter, primary only","lounge_international":"None","lounge_conditions":"No spend condition stated; guests charged per visit","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns of Rs 400-4,000, cap Rs 100 per month","milestone_benefits":"2,500 Cash Points on Rs 50,000 spend in a calendar quarter","other_freebies":"BookMyShow: up to Rs 200 off the second ticket, once per calendar month, first 100 customers per day","interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":"Not published; Apply Now link is live on the product page","source_product_page":"https://www.dbs.bank.in/in/credit-cards/spark.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/spark/product-benefit-terms-and-conditions.html","source_other":["https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"The 5X/10X/20X multipliers only start after the monthly spend threshold and are capped, so real return is far below the headline. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":144,"depth":"full","slug":"dbs-spark5","url":"https://m16s.in/cards/dbs-spark5/"},{"issuer":"DBS Bank India","card_name":"DBS Spark10","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Rs 999 + GST joining and annual (consolidated MITC). Annual fee waived on Rs 200,000 spend in the anniversary year. Welcome bonus and waiver apply to fee-based cards only.","welcome_benefit":"5,000 Cash Points on first purchase within 30 days and payment of joining fee","reward_currency":"Cash Points","base_earn":"2 Cash Points per Rs 200 of eligible spend, rounded down","base_return_pct":0.25,"accelerated_earn":"Once monthly spend crosses Rs 15,000: 10X online (extra 18 CP per Rs 200), 5X offline (extra 8 CP per Rs 200)","reward_caps":"5,000 Cash Points per month on accelerated earn (account level); thresholds reset every statement cycle","reward_exclusions":"Fuel, wallet loads, rent, jewellery, cash withdrawals, EMI and balance transfers, fees and interest (fuel, wallet, rent and jewellery still count toward milestone thresholds)","point_value":"1 Cash Point = up to Rs 0.25 (benefit T&C); product page says up to Rs 0.20","points_expiry":"2 years from accrual","reward_notes":"base_return_pct = 2 CP per Rs 200 x Rs 0.25 best case (0.2% at Rs 0.20). Redeemed on DBS Delights via the DBS Cards+ app; MITC lists a Rs 99 + GST redemption fee. Redemption blocked 5 days past due; points forfeited 30 days past due. Spends beyond the credit limit earn nothing.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter, primary only","lounge_international":"None","lounge_conditions":"No spend condition stated; guests charged per visit","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns of Rs 400-4,000, cap Rs 150 per month","milestone_benefits":"3,500 Cash Points on Rs 75,000 spend in a calendar quarter","other_freebies":"BookMyShow: up to Rs 200 off the second ticket, once per calendar month, first 100 customers per day","interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":"Not published; Apply Now link is live on the product page","source_product_page":"https://www.dbs.bank.in/in/credit-cards/spark.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/spark/product-benefit-terms-and-conditions.html","source_other":["https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"The 5X/10X/20X multipliers only start after the monthly spend threshold and are capped, so real return is far below the headline. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":145,"depth":"full","slug":"dbs-spark10","url":"https://m16s.in/cards/dbs-spark10/"},{"issuer":"DBS Bank India","card_name":"DBS Spark20","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":250000,"fee_notes":"Rs 1499 + GST joining and annual (consolidated MITC). Annual fee waived on Rs 250,000 spend in the anniversary year. Welcome bonus and waiver apply to fee-based cards only.","welcome_benefit":"7,500 Cash Points on first purchase within 30 days and payment of joining fee","reward_currency":"Cash Points","base_earn":"2 Cash Points per Rs 200 of eligible spend, rounded down","base_return_pct":0.25,"accelerated_earn":"Once monthly spend crosses Rs 20,000: 20X on utility, dining and grocery (extra 38 CP per Rs 200), 10X other online, 5X offline","reward_caps":"7,000 Cash Points per month on accelerated earn (account level); thresholds reset every statement cycle","reward_exclusions":"Fuel, wallet loads, rent, jewellery, cash withdrawals, EMI and balance transfers, fees and interest (fuel, wallet, rent and jewellery still count toward milestone thresholds)","point_value":"1 Cash Point = up to Rs 0.25 (benefit T&C); product page says up to Rs 0.20","points_expiry":"2 years from accrual","reward_notes":"base_return_pct = 2 CP per Rs 200 x Rs 0.25 best case (0.2% at Rs 0.20). Redeemed on DBS Delights via the DBS Cards+ app; MITC lists a Rs 99 + GST redemption fee. Redemption blocked 5 days past due; points forfeited 30 days past due. Spends beyond the credit limit earn nothing.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter, primary only","lounge_international":"None","lounge_conditions":"No spend condition stated; guests charged per visit","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns of Rs 400-4,000, cap Rs 250 per month","milestone_benefits":"5,000 Cash Points on Rs 100,000 spend in a calendar quarter","other_freebies":"BookMyShow: up to Rs 200 off the second ticket, once per calendar month, first 100 customers per day","interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":"Not published; Apply Now link is live on the product page","source_product_page":"https://www.dbs.bank.in/in/credit-cards/spark.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/spark/product-benefit-terms-and-conditions.html","source_other":["https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"The 5X/10X/20X multipliers only start after the monthly spend threshold and are capped, so real return is far below the headline. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":146,"depth":"full","slug":"dbs-spark20","url":"https://m16s.in/cards/dbs-spark20/"},{"issuer":"DBS Bank India","card_name":"DBS SuperX","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 1,499 + GST; joining fee and fee waiver shown as not applicable in the consolidated MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["status","networks","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Successor product for Bajaj Finserv DBS Bank SuperCard holders, who were migrated from 1 Aug 2026. No public product or application page could be read (the guessed page returned a loading shell), so rewards, lounge and whether new applicants can apply are not documented. Finance charge band 3.5%-4% per month; 4% recorded. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":147,"depth":"fees-only","slug":"dbs-superx","url":"https://m16s.in/cards/dbs-superx/"},{"issuer":"DBS Bank India","card_name":"DBS SuperX Plus","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 2,999 + GST; joining fee and fee waiver shown as not applicable in the consolidated MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["status","networks","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Successor product for Bajaj Finserv DBS Bank SuperCard holders, who were migrated from 1 Aug 2026. No public product or application page could be read (the guessed page returned a loading shell), so rewards, lounge and whether new applicants can apply are not documented. Finance charge band 3.5%-4% per month; 4% recorded. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":148,"depth":"fees-only","slug":"dbs-superx-plus","url":"https://m16s.in/cards/dbs-superx-plus/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 5X Rewards SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Rs 499 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":null,"reward_currency":"Cash Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; cap varies by variant","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-5X-rewards-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","source_product_page"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Only fees were read for this variant (from the consolidated MITC); its product page URL comes from DBS's SuperCard T&C index and was not opened. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":149,"depth":"fees-only","slug":"bajaj-finserv-dbs-bank-5x-rewards-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-5x-rewards-supercard/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":999,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Rs 999 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":null,"reward_currency":"Cash Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; cap varies by variant","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-5X-plus-rewards-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","source_product_page"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Only fees were read for this variant (from the consolidated MITC); its product page URL comes from DBS's SuperCard T&C index and was not opened. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":150,"depth":"fees-only","slug":"bajaj-finserv-dbs-bank-5x-plus-rewards-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-5x-plus-rewards-supercard/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 7X Rewards SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Rs 1,499 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":null,"reward_currency":"Cash Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; cap varies by variant","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-7X-rewards-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","source_product_page"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Only fees were read for this variant (from the consolidated MITC); its product page URL comes from DBS's SuperCard T&C index and was not opened. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":151,"depth":"fees-only","slug":"bajaj-finserv-dbs-bank-7x-rewards-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-7x-rewards-supercard/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":1999,"annual_fee":1999,"fee_waiver_spend":null,"fee_notes":"Rs 1,999 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":null,"reward_currency":"Cash Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; cap varies by variant","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-7X-plus-rewards-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","source_product_page"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Only fees were read for this variant (from the consolidated MITC); its product page URL comes from DBS's SuperCard T&C index and was not opened. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":152,"depth":"fees-only","slug":"bajaj-finserv-dbs-bank-7x-plus-rewards-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-7x-plus-rewards-supercard/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 10X Signature SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"mid","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Rs 2,999 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":"12,000 Cash Points on first transaction within 60 days after paying the joining fee","reward_currency":"Cash Points","base_earn":"2 Cash Points per Rs 200","base_return_pct":null,"accelerated_earn":"Extra 18 CP per Rs 200 (10X) after Rs 20,000 spend in a statement month; extra 38 CP per Rs 200 (20X) on eligible spends in the DBS Card+ IN app, flights excluded","reward_caps":"15,000 Cash Points per month on each of the 10X and 20X tiers","reward_exclusions":"Rent, fuel, cash withdrawals, wallet loads, utilities","point_value":null,"points_expiry":"2 years from accrual","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% + GST reversed on fuel txns of Rs 400-4,000, cap Rs 200 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-10X-signature-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":153,"depth":"full","slug":"bajaj-finserv-dbs-bank-10x-signature-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-10x-signature-supercard/"},{"issuer":"DBS Bank India","card_name":"Bajaj Finserv DBS Bank 10X Plus Signature SuperCard","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"mid","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Rs 4,999 + GST joining and annual; no spend waiver (consolidated MITC). First-year-free versions of the 5X and 5X Plus existed.","welcome_benefit":null,"reward_currency":"Cash Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; cap varies by variant","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":4.0,"late_payment_fee":"TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299","cash_advance_fee":"2.5% of cash amount, min Rs 500; cash limit 10% of credit limit","eligibility":null,"source_product_page":"https://www.dbs.bank.in/in/credit-cards/supercard/bajaj-finserv-dbs-10X-plus-signature-supercard.html","source_mitc_or_tnc":"https://www.dbs.bank.in/in/credit-cards/Credit-Card-Consolidated-MITC.pdf","source_other":["https://www.dbs.bank.in/in/credit-cards/supercard/terms-and-conditions.html"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct","source_product_page"],"date_read":"2026-10-11","notes":"Discontinued effective 1 Aug 2026; existing cardholders were migrated to DBS SuperX or DBS SuperX Plus. Listed for reference only. Only fees were read for this variant (from the consolidated MITC); its product page URL comes from DBS's SuperCard T&C index and was not opened. Category fees (consolidated MITC): rent 1% or Rs 199 whichever higher; utility 1% once cycle total reaches Rs 20,000; fuel 1% or Rs 199 on transactions of Rs 15,000+; education via third-party apps 1% or Rs 199; wallet loads of Rs 5,000+ 1% (from 1 Apr 2026); travel MCCs 4111/4131/4784 1% above Rs 10,000 per cycle and rail MCC 4112 1% above Rs 20,000 per cycle (from 1 Apr 2026). Reward redemption fee Rs 99 + GST.","id":154,"depth":"fees-only","slug":"bajaj-finserv-dbs-bank-10x-plus-signature-supercard","url":"https://m16s.in/cards/bajaj-finserv-dbs-bank-10x-plus-signature-supercard/"},{"issuer":"Federal Bank","card_name":"Celesta","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["rewards","travel","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for customers onboarded from 3 Apr 2023 ('limited period offer'). Schedule fee otherwise Rs 3,000 joining (waived on Rs 30,000 spend in 3 months) and Rs 3,000 annual (waived on Rs 3,00,000 annual spend).","welcome_benefit":"Amazon Pay e-voucher Rs 600 on Rs 10,000 spend in first 30 days (once per card lifetime, primary only).","reward_currency":"Federal Rewards points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"3x on travel and international spends; 2x on dining","reward_caps":"Insurance spends capped at 250 points per calendar month. No cap published for 3x/2x categories.","reward_exclusions":"No points on cash transactions, e-wallet loading, fuel (MCC 5541, 5542, 5172, 7983), government services, financial institutions (MCC 6012), quasi-cash (MCC 6050, 6051) and rent. Insurance (MCC 6300, 5960) capped at 250 points per card per calendar month.","point_value":"1 point = Rs 0.25 on the Federal Rewards catalogue; cash redemption to card account = Rs 0.10 per point (from 15 Jul 2024)","points_expiry":null,"reward_notes":"Redemption fee Rs 99 per request (product page says 'minimum Rs 99', actual fee shown at redemption). The '3x/2x' multipliers are read as multiples of the base earn rate; the issuer pages do not publish MCC lists or caps for accelerated categories. base_return_pct = base points per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"2 per year via LoungeKey, no spend condition","lounge_conditions":"Domestic: spend Rs 60,000 in the previous quarterly cycle to unlock 2 visits next quarter. Primary cardholder only; guests charged. International: card swiped at lounge and reimbursed within 30 days.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 150 per month; GST on surcharge not reversed","milestone_benefits":null,"other_freebies":"BOGO on INOX movie tickets once a month (up to Rs 100 off, F&B excluded); up to 15% off at partner hotels via FedDelights; Visa/Mastercard network offers.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Total amount due Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250","cash_advance_fee":"2.5% or Rs 500, whichever is higher; cash limit 25% of credit limit","eligibility":"Age 21+ (18+ for secured card against FD); resident Indian or NRI; PAN, Aadhaar, 3 months bank statement; good credit history. No income floor published.","source_product_page":"https://www.federal.bank.in/visa-celesta-credit-card","source_mitc_or_tnc":"https://www.federal.bank.in/credit-cards-mitc","source_other":["https://www.federal.bank.in/documents/d/guest/key-fact-statement-07-09-2026-1","https://www.federal.bank.in/credit-cards-cvp-terms-and-conditions","https://www.federal.bank.in/airport-lounge-t-c","https://www.federal.bank.in/celesta-credit-card"],"source_quality":"primary","unverified_fields":["points_expiry","accelerated_earn"],"date_read":"2026-10-11","notes":"Rent payments and wallet loads carry a 1% fee plus taxes. Add-on cards Rs 100 + GST each (max 4). Add-on cardholders get no lounge access (from 1 Oct 2025). Lounge spend cycle runs 21st to 20th across three months and unlocks the next calendar quarter; Rs 2 validation charge per domestic visit. Dynamic APR linked to average monthly balance (AMB) in the Federal Bank operative account. MITC (revised rates from 10 Jan 2026): 3.75% p.m. (45% p.a.) for lower AMB bands, 1.99% p.m. (23.88% p.a.) for AMB above Rs 3 lakh. Product pages still show an older four-band table (down to 0.69% p.m. above Rs 10 lakh AMB) and an FAQ line of '5.88% p.a.'; these conflict with the MITC. Without a Federal Bank balance, assume 3.75% p.m. Mastercard Celesta page was not read separately; the listing page shows the same feature set.","id":155,"depth":"full","slug":"federal-celesta","url":"https://m16s.in/cards/federal-celesta/"},{"issuer":"Federal Bank","card_name":"Imperio","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for customers onboarded from 3 Apr 2023 ('limited period offer'). Schedule fee otherwise Rs 1,500 joining (waived on Rs 20,000 spend in 3 months) and Rs 1,500 annual (waived on Rs 1,50,000 annual spend).","welcome_benefit":"Amazon Pay e-voucher Rs 400 on Rs 5,000 spend in first 30 days.","reward_currency":"Federal Rewards points","base_earn":"1 point per Rs 150","base_return_pct":0.17,"accelerated_earn":"3x on healthcare and grocery; 2x on utility spends (electricity, gas, mobile bills)","reward_caps":"Insurance spends capped at 250 points per calendar month. No cap published for 3x/2x categories.","reward_exclusions":"No points on cash transactions, e-wallet loading, fuel (MCC 5541, 5542, 5172, 7983), government services, financial institutions (MCC 6012), quasi-cash (MCC 6050, 6051) and rent. Insurance (MCC 6300, 5960) capped at 250 points per card per calendar month.","point_value":"1 point = Rs 0.25 on the Federal Rewards catalogue; cash redemption to card account = Rs 0.10 per point (from 15 Jul 2024)","points_expiry":null,"reward_notes":"Redemption fee Rs 99 per request (product page says 'minimum Rs 99', actual fee shown at redemption). The '3x/2x' multipliers are read as multiples of the base earn rate; the issuer pages do not publish MCC lists or caps for accelerated categories. base_return_pct = base points per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Spend Rs 40,000 in the previous quarterly cycle to unlock 2 domestic visits next quarter. Primary cardholder only.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 fuel transactions, cap Rs 150 per month","milestone_benefits":"BigBasket voucher Rs 300 on Rs 50,000 spend in a calendar quarter.","other_freebies":"BOGO on INOX movie tickets once a quarter (up to Rs 100 off); up to 15% off at partner hotels via FedDelights.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Total amount due Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250","cash_advance_fee":"2.5% or Rs 500, whichever is higher; cash limit 20% of credit limit","eligibility":"Age 21+ (18+ for secured card against FD); resident Indian or NRI; PAN, Aadhaar, 3 months bank statement; good credit history. No income floor published.","source_product_page":"https://www.federal.bank.in/visa-imperio-credit-card","source_mitc_or_tnc":"https://www.federal.bank.in/credit-cards-mitc","source_other":["https://www.federal.bank.in/documents/d/guest/key-fact-statement-07-09-2026-1","https://www.federal.bank.in/credit-cards-cvp-terms-and-conditions","https://www.federal.bank.in/airport-lounge-t-c","https://www.federal.bank.in/imperio-credit-card"],"source_quality":"primary","unverified_fields":["points_expiry","accelerated_earn"],"date_read":"2026-10-11","notes":"Rent payments and wallet loads carry a 1% fee plus taxes. Add-on cards Rs 100 + GST each (max 4). Add-on cardholders get no lounge access (from 1 Oct 2025). Lounge spend cycle runs 21st to 20th across three months and unlocks the next calendar quarter; Rs 2 validation charge per domestic visit. Dynamic APR linked to average monthly balance (AMB) in the Federal Bank operative account. MITC (revised rates from 10 Jan 2026): 3.75% p.m. (45% p.a.) for lower AMB bands, 1.99% p.m. (23.88% p.a.) for AMB above Rs 3 lakh. Product pages still show an older four-band table (down to 0.69% p.m. above Rs 10 lakh AMB) and an FAQ line of '5.88% p.a.'; these conflict with the MITC. Without a Federal Bank balance, assume 3.75% p.m.","id":156,"depth":"full","slug":"federal-imperio","url":"https://m16s.in/cards/federal-imperio/"},{"issuer":"Federal Bank","card_name":"Signet","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for customers onboarded from 3 Apr 2023 ('limited period offer'). Schedule fee otherwise Rs 750 joining (waived on Rs 10,000 spend in 3 months) and Rs 750 annual (waived on Rs 75,000 annual spend).","welcome_benefit":"Amazon Pay e-voucher Rs 200 on Rs 3,000 spend in first 30 days (Visa Signet page summary shows Rs 500 in one place; the benefit T&C says Rs 200).","reward_currency":"Federal Rewards points","base_earn":"1 point per Rs 200","base_return_pct":0.13,"accelerated_earn":"3x on electronics and apparel; 2x on entertainment","reward_caps":"Insurance spends capped at 250 points per calendar month. No cap published for 3x/2x categories.","reward_exclusions":"No points on cash transactions, e-wallet loading, fuel (MCC 5541, 5542, 5172, 7983), government services, financial institutions (MCC 6012), quasi-cash (MCC 6050, 6051) and rent. Insurance (MCC 6300, 5960) capped at 250 points per card per calendar month.","point_value":"1 point = Rs 0.25 on the Federal Rewards catalogue; cash redemption to card account = Rs 0.10 per point (from 15 Jul 2024)","points_expiry":null,"reward_notes":"Redemption fee Rs 99 per request (product page says 'minimum Rs 99', actual fee shown at redemption). The '3x/2x' multipliers are read as multiples of the base earn rate; the issuer pages do not publish MCC lists or caps for accelerated categories. base_return_pct = base points per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Spend Rs 20,000 in the previous quarterly cycle to unlock 1 domestic visit next quarter. Primary cardholder only.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Product FAQ claims a 1% waiver; MITC and Key Fact Statement list the waiver only for Imperio and Celesta. Treat as not assured.","milestone_benefits":"Swiggy voucher Rs 150 on Rs 20,000 spend in a calendar quarter.","other_freebies":"BOGO on INOX movie tickets once a quarter (up to Rs 100 off). RuPay variant: UPI linkage, personal accident cover Rs 2 lakh, concierge.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Total amount due Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250","cash_advance_fee":"2.5% or Rs 500, whichever is higher; cash limit 10% of credit limit","eligibility":"Age 21+ (18+ for secured card against FD); resident Indian or NRI; PAN, Aadhaar, 3 months bank statement; good credit history. No income floor published.","source_product_page":"https://www.federal.bank.in/visa-signet-credit-card","source_mitc_or_tnc":"https://www.federal.bank.in/credit-cards-mitc","source_other":["https://www.federal.bank.in/rupay-signet-credit-card","https://www.federal.bank.in/documents/d/guest/key-fact-statement-07-09-2026-1","https://www.federal.bank.in/credit-cards-cvp-terms-and-conditions","https://www.federal.bank.in/airport-lounge-t-c"],"source_quality":"primary","unverified_fields":["points_expiry","accelerated_earn","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Rent payments and wallet loads carry a 1% fee plus taxes. Add-on cards Rs 100 + GST each (max 4). Add-on cardholders get no lounge access (from 1 Oct 2025). Lounge spend cycle runs 21st to 20th across three months and unlocks the next calendar quarter; Rs 2 validation charge per domestic visit. Dynamic APR linked to average monthly balance (AMB) in the Federal Bank operative account. MITC (revised rates from 10 Jan 2026): 3.75% p.m. (45% p.a.) for lower AMB bands, 1.99% p.m. (23.88% p.a.) for AMB above Rs 3 lakh. Product pages still show an older four-band table (down to 0.69% p.m. above Rs 10 lakh AMB) and an FAQ line of '5.88% p.a.'; these conflict with the MITC. Without a Federal Bank balance, assume 3.75% p.m.","id":157,"depth":"full","slug":"federal-signet","url":"https://m16s.in/cards/federal-signet/"},{"issuer":"Federal Bank","card_name":"RuPay Wave","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free virtual add-on style card; no add-on fee.","welcome_benefit":"10% cashback (max Rs 100) on a UPI transaction of Rs 150+ within 30 days of issuance. The page FAQ instead says 'first five UPI transactions'; the two statements conflict.","reward_currency":"Federal Rewards points","base_earn":"1 point per Rs 200","base_return_pct":0.13,"accelerated_earn":null,"reward_caps":"Insurance spends capped at 250 points per calendar month.","reward_exclusions":"No points on cash transactions, e-wallet loading, fuel (MCC 5541, 5542, 5172, 7983), government services, financial institutions (MCC 6012), quasi-cash (MCC 6050, 6051) and rent. Insurance (MCC 6300, 5960) capped at 250 points per card per calendar month.","point_value":"1 point = Rs 0.25 on the Federal Rewards catalogue; cash redemption to card account = Rs 0.10 per point (from 15 Jul 2024)","points_expiry":null,"reward_notes":"base_return_pct = 0.5 point per Rs 100 x Rs 0.25. Redemption fee Rs 99 per request. Targeted UPI bonus-point campaigns run from time to time for RuPay Signet and Wave.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"1,000 bonus points on Rs 50,000 spend in a quarter.","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Total amount due Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250","cash_advance_fee":"Not applicable (no cash limit)","eligibility":"Existing Federal Bank Visa or Mastercard credit cardholders only; applied for in FedMobile. Shares the primary card's limit, billed separately.","source_product_page":"https://www.federal.bank.in/rupay-wave-credit-card","source_mitc_or_tnc":"https://www.federal.bank.in/credit-cards-mitc","source_other":["https://www.federal.bank.in/documents/d/guest/key-fact-statement-07-09-2026-1"],"source_quality":"primary","unverified_fields":["points_expiry","welcome_benefit"],"date_read":"2026-10-11","notes":"A UPI floater on the limit of an existing Federal credit card, not a standalone card. Rent and wallet loads carry 1% fee. Dynamic APR linked to average monthly balance (AMB) in the Federal Bank operative account. MITC (revised rates from 10 Jan 2026): 3.75% p.m. (45% p.a.) for lower AMB bands, 1.99% p.m. (23.88% p.a.) for AMB above Rs 3 lakh. Product pages still show an older four-band table (down to 0.69% p.m. above Rs 10 lakh AMB) and an FAQ line of '5.88% p.a.'; these conflict with the MITC. Without a Federal Bank balance, assume 3.75% p.m.","id":158,"depth":"full","slug":"federal-rupay-wave","url":"https://m16s.in/cards/federal-rupay-wave/"},{"issuer":"Federal Bank","card_name":"RuPay ValueMax","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["fuel","upi","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Rs 499 joining and Rs 499 annual per the Key Fact Statement dated 7 Sep 2026. No waiver condition found. Add-on Rs 100 + GST (max 4).","welcome_benefit":null,"reward_currency":"Federal Rewards points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"General T&C: offline UPI transactions below Rs 2,000 at any merchant earn no points on the RuPay ValueMax fuel card. Earn rates sit in separate product terms that could not be located.","point_value":"1 point = Rs 0.25 on the Federal Rewards catalogue; cash redemption to card account = Rs 0.10 per point (from 15 Jul 2024)","points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Total amount due Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250","cash_advance_fee":"2.5% or Rs 500, whichever is higher","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/key-fact-statement-07-09-2026-1","source_other":["https://www.federal.bank.in/documents/d/guest/general-t-c-07-09-2026-including-wave"],"source_quality":"primary","unverified_fields":["status","base_earn","accelerated_earn","welcome_benefit","lounge_domestic","fuel_surcharge_waiver","eligibility","point_value","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Named only in the 7 Sep 2026 Key Fact Statement and General T&C as a 'RuPay VALUEMAX fuel Credit Card'. It is not on the public credit card listing page and no product page was found, so earn rates, fuel benefit and how to apply are undocumented here.","id":159,"depth":"fees-only","slug":"federal-rupay-valuemax","url":"https://m16s.in/cards/federal-rupay-valuemax/"},{"issuer":"Federal Bank","card_name":"Fed StarBiz","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["business"],"status":"open","joining_fee":275,"annual_fee":275,"fee_waiver_spend":null,"fee_notes":"Issuance Rs 275 + GST and annual Rs 275 + GST, debited to the underlying OD/CC account. Reissue Rs 225 + GST. No waiver.","welcome_benefit":null,"reward_currency":null,"base_earn":"No rewards","base_return_pct":0,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"MITC states rewards are not applicable.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"Not applicable","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"Not applicable; spends hit the underlying overdraft/cash credit account","cash_advance_fee":"Cash withdrawal not permitted","eligibility":"Federal Bank OD/CC account holders with limit Rs 3 lakh to Rs 50 lakh; MSME-registered individuals and sole proprietors in manufacturing or services; resident Indian.","source_product_page":"https://www.federal.bank.in/fed-starbiz-credit-card-visa","source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/mitc_fed_starbiz-1-","source_other":["https://www.federal.bank.in/fed-starbiz-credit-card-rupay"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"A card on an existing overdraft/cash-credit line, not a fresh credit line: no interest-free period, no statement, no billing cycle; interest accrues at the OD/CC account rate. Domestic use only (no international transactions, so no forex markup). Daily usage up to Rs 3 lakh or available limit. Card cancelled automatically if the OD limit or balance exceeds Rs 50 lakh. Card validity 5 years.","id":160,"depth":"partial","slug":"federal-fed-starbiz","url":"https://m16s.in/cards/federal-fed-starbiz/"},{"issuer":"Federal Bank","card_name":"Scapia Federal Credit Card","cobrand_partner":"Scapia","networks":["Visa","RuPay"],"segment":"mid","card_type":["travel","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining, annual or add-on fee. Replacement Rs 200 + GST.","welcome_benefit":null,"reward_currency":"Scapia Coins","base_earn":"Visa card: 10% Scapia Coins (10 coins per Rs 100) on eligible spends of Rs 20+; RuPay card: 5% (5 coins per Rs 100) on eligible UPI/online/offline spends of Rs 500+","base_return_pct":2.0,"accelerated_earn":"20% Scapia Coins (4% value) on travel bookings made in the Scapia app","reward_caps":"No cap on earning or redemption stated by Scapia.","reward_exclusions":"No coins on international spends, fuel, EMI conversions, wallet loads, rent and utility payments (rent and utilities also do not count toward the lounge spend). Aggregators add: education, government, insurance, gift cards, crypto, cash withdrawals.","point_value":"5 Scapia Coins = Rs 1 (Rs 0.20 per coin), redeemable only against travel bookings in the Scapia app; no cash, voucher or statement credit","points_expiry":"36 months","reward_notes":"base_return_pct = 10 coins per Rs 100 x Rs 0.20 = 2% on the Visa card; RuPay card is 1%. Coins can pay up to 100% of an in-app booking. Value is locked to Scapia's own travel prices.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited (spend-gated)","lounge_international":"None","lounge_conditions":"Spend Rs 20,000 (Visa + RuPay combined) in the preceding billing cycle to unlock unlimited domestic lounge access the next month. scapia.cards home page still shows Rs 5,000 per month in one place; Federal Bank's page and Scapia's own summary say Rs 20,000. Rent and utilities excluded from the count.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on fuel transactions up to Rs 5,000, cap Rs 500 per month","milestone_benefits":"Airport privileges (dining, shopping or spa) alongside lounge on meeting the monthly spend; up to Rs 2,000 back at Indian international terminals on international flights worth Rs 50,000+ booked on Scapia.","other_freebies":"No-cost EMI on in-app travel bookings (processing fee applies).","interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance <Rs 100: nil; 100-500: Rs 100; 501-5,000: Rs 500; 5,001-10,000: Rs 600; 10,001-25,000: Rs 750; 25,001-50,000: Rs 950; >50,000: Rs 1,000","cash_advance_fee":"2.5% or Rs 500, whichever is higher; cash limit 10% of card limit","eligibility":"Salaried 21-65, self-employed 25-65; resident Indian citizen; subject to Federal Bank policy and serviceable pin code.","source_product_page":"https://www.federal.bank.in/scapia","source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/mitc-v11-30-4-26-eng","source_other":["https://www.scapia.cards/","https://www.scapia.cards/llms.txt","https://cardinsider.com/fintech-cards/scapia-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","lounge_conditions"],"date_read":"2026-10-11","notes":"Two cards on one account (Visa for international, RuPay for UPI). Zero forex markup but international spends earn no coins. Convenience fee 1% + GST (max Rs 3,000 per transaction) on rent and wallet loads, and on fuel or utility spends beyond Rs 50,000 a month. MITC version 11 dated 30 Apr 2026. Scapia also issues on BOBCARD; this entry is the Federal Bank card only. The Scapia cardholder agreement PDF (v13, 20 Jun 2026) is a scanned image and could not be read.","id":161,"depth":"full","slug":"scapia-federal-credit-card","url":"https://m16s.in/cards/scapia-federal-credit-card/"},{"issuer":"Federal Bank","card_name":"Federal One Credit Card (OneCard)","cobrand_partner":"OneCard","networks":["Visa"],"segment":"entry","card_type":["rewards","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee. Metal add-on card Rs 3,000. Cancellation within 6 months of virtual card activation: Rs 3,000 (metal) or Rs 500 (plastic). Metal replacement Rs 3,000.","welcome_benefit":null,"reward_currency":"OneCard Reward Points","base_earn":"1 point per Rs 50 (fractional points credited)","base_return_pct":0.2,"accelerated_earn":"5X points on the top 2 spend categories each month","reward_caps":"Aggregator: 5X applies only with spends of Rs 750+ in each of 3 or more categories in the month; education and insurance 5X stops at 25,000 points.","reward_exclusions":"MITC: no points on fuel. Aggregators add rent, cash advances, wallet loads, money transfers, and (from 29 Aug 2026) bills and utilities.","point_value":"1 point = Rs 0.10 against purchases in the app","points_expiry":"No expiry while the card is active","reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.10 = 0.2%; 5X categories about 1%. No redemption fee. Earn rate and point value come from OneCard marketing and aggregators; the Federal MITC only says points depend on transaction value and category.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% or actual surcharge, cap Rs 400 per calendar month, domestic only","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Outstanding Rs 0-250: nil; 251-1,000: Rs 250; 1,001-5,000: Rs 500; 5,001-25,000: Rs 1,000; 25,001+: Rs 1,250 (aggregator reports an increase scheduled for 11 Oct 2026)","cash_advance_fee":"Key Fact Statement lists cash advance fee as NA; interest from transaction date","eligibility":"Not published; applied for in the OneCard app.","source_product_page":"https://www.federal.bank.in/onecard","source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/federal-one-credit-card-mitc-may-2026","source_other":["https://www.federal.bank.in/documents/d/guest/federal-one-credit-card-kfs-may-2026","https://www.getonecard.app/","https://cardinsider.com/fintech-cards/onecard-credit-card/","https://cardadvisor.in/cards/onecard"],"source_quality":"mixed","unverified_fields":["networks","base_earn","reward_caps","reward_exclusions","point_value","points_expiry","status"],"date_read":"2026-10-11","notes":"Forex markup 1% + GST. Rent fee 1%. Wallet/bank transfers above Rs 10,000 a month are charged on the full amount: 1% until 29 May 2026, 2% from 30 May 2026. Overlimit 2.5% (min Rs 500). An aggregator reports that new OneCard issuance has been paused across partner banks since about Dec 2025; Federal Bank still lists the card as an active co-brand. Network is not stated by Federal Bank.","id":162,"depth":"full","slug":"federal-one-credit-card-onecard","url":"https://m16s.in/cards/federal-one-credit-card-onecard/"},{"issuer":"Federal Bank","card_name":"Paisabazaar Paisaback Credit Card","cobrand_partner":"Paisabazaar","networks":["RuPay"],"segment":"entry","card_type":["cashback","cobrand","upi","shopping"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Rs 500 joining and Rs 500 annual; annual fee waived on Rs 1.5 lakh spend in the preceding year. Replacement Rs 199 + GST.","welcome_benefit":null,"reward_currency":"CashPoints","base_earn":"1% CashPoints on eligible POS and e-commerce spends","base_return_pct":1.0,"accelerated_earn":"7.5% on grocery (Blinkit, Zepto, Swiggy Instamart, BigBasket, DMart, Reliance Fresh, LuLu, Flipkart Minutes among others); 0.5% on eligible UPI transactions above Rs 2,000 (grocery, fuel and travel UPI excluded from the 0.5% tier)","reward_caps":"Total 1,000 CashPoints per month (Rs 12,000 a year) across all categories.","reward_exclusions":"Wallet loads, fuel, jewellery, EMI conversions, rent, utility bills, insurance, education, government services, hospitals, tolls, telecom equipment, railways, automotive shops, UPI below Rs 2,000.","point_value":"1 CashPoint = Rs 1, credited to the Paisabazaar app wallet","points_expiry":"1 year from accrual","reward_notes":"base_return_pct = 1% base tier. At the 7.5% rate the Rs 1,000 monthly cap is reached at about Rs 13,333 of grocery spend. Earn rates and caps are on the Federal Bank and Paisabazaar pages, not in the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Capped at Rs 100 per billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Statement balance <Rs 100: nil; 100-500: Rs 100; 501-5,000: Rs 500; 5,001-10,000: Rs 600; 10,001-25,000: Rs 750; 25,001-50,000: Rs 950; >50,000: Rs 1,000","cash_advance_fee":"2.5% or Rs 500, whichever is higher; cash limit 10% of credit limit","eligibility":"Salaried 21-65, self-employed 25-65; resident Indian; not currently available to existing Federal Bank customers.","source_product_page":"https://www.federal.bank.in/paisabazaar-federal-cobranded-credit-card","source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/mitc-federal-paisabazaar-paisaback-credit-card-","source_other":["https://www.federal.bank.in/documents/d/guest/kfs-of-federal-paisabazaar-paisaback-credit-card","https://www.paisabazaar.com/federal-bank/paisabazaar-paisaback-credit-card/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Convenience fee 1% + GST (max Rs 3,000 per transaction) on rent and wallet loads, and on fuel or utility spends beyond Rs 50,000 a month. Overlimit 2.5% or Rs 500. Launched around Sep 2026. Not the same product as the Yes Bank Paisabazaar PaisaSave card.","id":163,"depth":"full","slug":"federal-paisabazaar-paisaback-credit-card","url":"https://m16s.in/cards/federal-paisabazaar-paisaback-credit-card/"},{"issuer":"Federal Bank","card_name":"Edge Federal Bank Visa Credit Card (Jupiter)","cobrand_partner":"Jupiter","networks":["Visa"],"segment":"entry","card_type":["rewards","cobrand","shopping"],"status":"closed-to-new","joining_fee":0,"annual_fee":999,"fee_waiver_spend":120000,"fee_notes":"No joining fee. Annual fee Rs 999, waived on eligible spends of Rs 1.2 lakh in the preceding year. Replacement Rs 249.","welcome_benefit":null,"reward_currency":"Jupiter Jewels","base_earn":"2 Jewels per Rs 100 (min transaction Rs 100)","base_return_pct":0.4,"accelerated_earn":"10 Jewels per Rs 100 (2%) in one chosen category: shopping, travel or dining (category 'booster'; a one-time booster fee is mentioned, amount not stated)","reward_caps":"15,000 Jewels per billing cycle on base earn; booster earn up to 15,000 per cycle depending on pack.","reward_exclusions":"No Jewels on MCC 4829, 5816, 5933, 5935, 5983, 6010, 6011, 6012, 6051, 6211, 6513 (rent), 6540 (wallet load), 7800, 7801, 7802, 7995, 8651, 8661, 9211, 9222, 9223.","point_value":"5 Jewels = Rs 1 (Rs 0.20 each); redeem as cash to a Federal Bank account or as digital gold in the Jupiter app","points_expiry":"No expiry, but Jewels are nullified if the card is unused for 365 days and lapse if dues are unpaid for 90 days","reward_notes":"base_return_pct = 2 Jewels per Rs 100 x Rs 0.20 = 0.4%. Earning and redemption are locked while the minimum amount due is unpaid.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per 3 months (spend-gated, voucher)","lounge_international":"None","lounge_conditions":"Minimum eligible spends of Rs 90,000 in the previous 3 months; voucher sent by SMS/email. The T&C page carries a voucher validity date in 2024, so the benefit may have lapsed.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"Surcharge 1% or Rs 10; waived on fuel spends up to Rs 4,000 per billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"2% of outstanding amount due, minimum Rs 100; nil if total outstanding under Rs 500","cash_advance_fee":"Not available (no cash withdrawal)","eligibility":"Age 21+, good credit score; issued only in the Jupiter app.","source_product_page":"https://jupiter.money/edge-credit-card","source_mitc_or_tnc":"https://jupiter.money/edge-card-mitc/","source_other":["https://jupiter.money/edge-card-terms-conditions/","https://www.federal.bank.in/co-branded-credit-cards","https://cardinsider.com/blog/federal-edge-co-branded-credit-card/"],"source_quality":"primary","unverified_fields":["lounge_domestic","lounge_conditions"],"date_read":"2026-10-11","notes":"Federal Bank's co-branded cards page lists the Federal Edge programme (with Europa Neomarketing) as discontinued. Jupiter's page shows a 'limited access' banner and Jupiter now issues its Edge+ card on CSB Bank. Terms above are from Jupiter's MITC (interest effective 1 Sep 2024).","id":164,"depth":"full","slug":"edge-federal-bank-visa-credit-card-jupiter","url":"https://m16s.in/cards/edge-federal-bank-visa-credit-card-jupiter/"},{"issuer":"Federal Bank","card_name":"MagniFi Fi-Federal Credit Card","cobrand_partner":"Fi Money","networks":null,"segment":"entry","card_type":["rewards","cobrand","lifetime-free"],"status":"closed-to-new","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Reissue Rs 250 + GST.","welcome_benefit":null,"reward_currency":"Fi-Points","base_earn":"0.5% back in Fi-Points on weekday spends","base_return_pct":0.5,"accelerated_earn":"5% back in Fi-Points on Saturday and Sunday spends","reward_caps":"2,000 Fi-Points (about Rs 500) per statement cycle on weekend earn; 2,000 Fi-Points per cycle on weekday earn.","reward_exclusions":null,"point_value":"4 Fi-Points = Rs 1","points_expiry":null,"reward_notes":"base_return_pct = stated weekday rate of 0.5%. Figures from BankBazaar; programme since discontinued.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Rs 100 to Rs 2,000 depending on amount due","cash_advance_fee":"Cash withdrawal not offered","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.federal.bank.in/co-branded-credit-cards","source_other":["https://www.bankbazaar.com/credit-card/federal-bank-magnifi-credit-card.html","https://cardadvisor.in/cards/fi-federal","https://www.federal.bank.in/documents/d/guest/fi-federal-cb"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","base_earn","accelerated_earn","reward_caps","point_value","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee"],"date_read":"2026-10-11","notes":"Federal Bank's co-branded cards page lists the Federal Fi (AmpliFi, SimpliFi, MagniFi) programme as discontinued. An aggregator dates the wind-down to 20 Mar 2026, with reward accrual and Fi-Coin redemption stopped and holders asked to clear dues and close. Fi's own credit card page returned 'page not found'. Fi now partners with AU Small Finance Bank.","id":165,"depth":"full","slug":"magnifi-fi-federal-credit-card","url":"https://m16s.in/cards/magnifi-fi-federal-credit-card/"},{"issuer":"Federal Bank","card_name":"AmpliFi Fi-Federal Credit Card","cobrand_partner":"Fi Money","networks":null,"segment":"mid","card_type":["rewards","cobrand","shopping"],"status":"closed-to-new","joining_fee":2000,"annual_fee":null,"fee_waiver_spend":250000,"fee_notes":"Aggregator: Rs 2,000 joining fee, renewal waived on Rs 2.5 lakh annual spend. Marked low-confidence by the aggregator itself.","welcome_benefit":null,"reward_currency":"Fi-Coins","base_earn":null,"base_return_pct":null,"accelerated_earn":"3% back as Fi-Coins on 20+ brands (Amazon, Flipkart, Swiggy and others)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (aggregator)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.federal.bank.in/co-branded-credit-cards","source_other":["https://cardadvisor.in/cards/fi-federal","https://cardadvisor.in/articles/fi-federal-credit-card-review-2026","https://www.federal.bank.in/documents/d/guest/fi-federal-cb"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","accelerated_earn","lounge_domestic","forex_markup_pct","base_earn"],"date_read":"2026-10-11","notes":"Federal Bank's co-branded cards page lists the Federal Fi (AmpliFi, SimpliFi, MagniFi) programme as discontinued. An aggregator dates the wind-down to 20 Mar 2026, with reward accrual and Fi-Coin redemption stopped and holders asked to clear dues and close. Fi's own credit card page returned 'page not found'. Fi now partners with AU Small Finance Bank.","id":166,"depth":"fees-only","slug":"amplifi-fi-federal-credit-card","url":"https://m16s.in/cards/amplifi-fi-federal-credit-card/"},{"issuer":"Federal Bank","card_name":"SimpliFi Fi-Federal Credit Card","cobrand_partner":"Fi Money","networks":null,"segment":"entry","card_type":["secured","cobrand"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fees not found.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Secured against a Federal Bank fixed deposit: credit limit 90% of the FD; FD must be held at least 6 months, auto-renews, no partial withdrawal while the card is active.","source_product_page":null,"source_mitc_or_tnc":"https://www.federal.bank.in/documents/d/guest/fi-federal-cb","source_other":["https://www.federal.bank.in/co-branded-credit-cards","https://cardadvisor.in/cards/fi-federal"],"source_quality":"mixed","unverified_fields":["networks","joining_fee","annual_fee","base_earn","forex_markup_pct","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Federal Bank's co-branded cards page lists the Federal Fi (AmpliFi, SimpliFi, MagniFi) programme as discontinued. An aggregator dates the wind-down to 20 Mar 2026, with reward accrual and Fi-Coin redemption stopped and holders asked to clear dues and close. Fi's own credit card page returned 'page not found'. Fi now partners with AU Small Finance Bank. Only the secured-card mechanics were found in Federal Bank's Fi cardholder terms; fees and rewards are undocumented.","id":167,"depth":"fees-only","slug":"simplifi-fi-federal-credit-card","url":"https://m16s.in/cards/simplifi-fi-federal-credit-card/"},{"issuer":"HDFC Bank","card_name":"Millennia","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["cashback","shopping"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 1 lakh spend in the year before renewal (product page; MITC).","welcome_benefit":"Reward Points equal to the fee amount (1,000) on paying the membership fee","reward_currency":"CashPoints","base_earn":"1% CashBack (as Reward Points/CashPoints) on other spends","base_return_pct":1.0,"accelerated_earn":"5% on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, Cult.fit; up to 10% extra cashback on 200+ brands via SmartBuy / PayZapp Shop","reward_caps":"Accrual (earlier data, not on product page): 1,000 points per month on the 5% category, 1,000 per month on the 1% category, grocery 1,000 points/month. Redemption (product page): cashback redemption capped at 3,000 points per calendar month; flight/hotel redemption capped at 50,000 points per calendar month and 50% of the booking; up to 70% of value on select vouchers/products","reward_exclusions":"Fuel, rent, government, EMI, cash advances, card fees (earlier data); from 1 Sep 2024 wallet loading, Easy EMI and education payments earn nothing (product page)","point_value":"1 point = Re 1 against statement balance; Rs 0.30 on SmartBuy flights/hotels; Rs 0.30 airmiles; up to Rs 0.30 rewards catalogue","points_expiry":"2 years","reward_notes":"CashBack is credited as Reward Points and redeemed against the statement on request; min 500 points for statement redemption (product page). Redemption fee Rs 50 + GST per statement-credit request, Rs 99 + GST catalogue (MITC). base_return_pct = 1% earn x Re 1 per point; both stated by the issuer.","transfer_partners":[],"transfer_ratio":"1 point = 0.30 airmile (product page); partner programmes not named","lounge_domestic":"1 visit per calendar quarter, only if chosen instead of the Rs 1,000 milestone voucher","lounge_international":"None","lounge_conditions":"Rs 1 lakh spend in the calendar quarter; the lounge voucher and the Rs 1,000 gift voucher are alternatives, not both","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Either a Rs 1,000 gift voucher or 1 domestic lounge access on Rs 1 lakh spend in each calendar quarter","other_freebies":"Extra 10% Swiggy Dineout discount with coupon HDFCCARDS (earlier data: Rs 200 off on Rs 2,000 bill, twice a month)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-40, net monthly income above Rs 35,000. Self-employed: ITR above Rs 6 lakh a year (the page shows the same 21-40 age band)","source_product_page":"https://www.hdfc.bank.in/credit-cards/millennia-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-millennia-credit-card/","https://v.hdfc.bank.in/content/dam/hdfc-aem-microsites/millennia-cards/pdfs/CreditCard.pdf","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks","reward_caps"],"date_read":"2026-10-12","notes":"CashPoints, not direct cashback: redemption must be requested, costs Rs 50 + GST each time (MITC) and is capped at 3,000 points a month. Lounge access is not a standing benefit: it is one visit a quarter taken in place of the Rs 1,000 milestone voucher. HDFC's own lifestyle category page (fetched 2026-10-12) still advertises '8 complimentary domestic lounge access' for Millennia, which the product page does not support. Product page read 2026-10-12; forex markup, networks and accrual caps are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":168,"depth":"full","slug":"hdfc-millennia","url":"https://m16s.in/cards/hdfc-millennia/"},{"issuer":"HDFC Bank","card_name":"Regalia Gold","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":400000,"fee_notes":"Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 4 lakh annual spend (HDFC page and MITC).","welcome_benefit":"Swiggy One and MMT Black Gold memberships on Rs 1 lakh spend in the first 90 days; page FAQ also cites a Rs 2,500 gift voucher against the fee paid","reward_currency":"Reward Points","base_earn":"5 RP per Rs 200 on retail spends (HDFC page, Reward Benefits section)","base_return_pct":1.25,"accelerated_earn":"5X Reward Points at Myntra, Nykaa, Reliance Digital 'and more' (page gives no RP figure); SmartBuy: up to 10X on hotels and flights, 5X on instant vouchers, up to 10X on select brands","reward_caps":"Max 50,000 RP per statement cycle (page); flight/hotel redemption capped at 50,000 RP/month and 70% of booking value (page); cashback redemption capped at 50,000 RP/month (page); grocery 2,000, utility 2,000, telecom 2,000, insurance 2,000 RP/month (MITC); 5X brand bonus capped at 5,000 RP per month (aggregator, not on page)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel","point_value":"1 RP = Rs 0.65 Gold catalogue; Rs 0.50 flights/hotels on SmartBuy; up to 0.5 airmile; up to Rs 0.35 products/vouchers; statement credit up to Rs 0.15 (page redemption table and MITC; another block of the same page still shows Rs 0.20)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST per catalogue request, Rs 50 + GST for cashback (MITC). Base return recomputed from the issuer page: 5 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.25%. The page's savings-calculator blurb still says '4RPs on daily and retail spends', so the page is not fully consistent. A product-feature-change PDF effective 15 May 2026 is linked on the page but was not read.","transfer_partners":["Singapore KrisFlyer","Air France-KLM Flying Blue","Finnair Plus","Vietnam Lotusmiles","United MileagePlus","Turkish Miles&Smiles","Avianca LifeMiles","Air India Maharaja Club","British Airways Avios","Qatar Airways Privilege Club","Cathay Asia Miles","Air Canada Aeroplan","Etihad Guest","Thai Royal Orchid Plus","SpiceClub","AirAsia Rewards","Accor ALL","Club ITC","Wyndham Rewards","IHG One Rewards","Marriott Bonvoy","Radisson Rewards"],"transfer_ratio":"2:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson, Accor, Club ITC, United, Turkish, LifeMiles; 3:1 to Air India (confirmed on Air India's page), Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026). Min 1,000 points; capped at 50,000 points/month on SmartBuy (HDFC terms).","lounge_domestic":"12 per year in India: 3 per calendar quarter, spend-based","lounge_international":"6 per calendar year outside India via Priority Pass","lounge_conditions":"Domestic: Rs 60,000 or more spend in the preceding calendar quarter unlocks 3 visits (HDFC page). Priority Pass issued on request after 4 retail transactions; extra visits and Priority Pass use inside India charged USD 27 + GST (MITC).","forex_markup_pct":2.0,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"Rs 1,500 Myntra/Nykaa voucher on Rs 1.5 lakh spend per quarter; Rs 5,000 flight voucher at Rs 5 lakh and another Rs 5,000 at Rs 7.5 lakh annual spend. Unlocked benefits must be claimed within 60 days.","other_freebies":"Boarding Edge Program: any 2 per calendar quarter of spa, buffet, hotel room upgrade, airport transfer by uploading a boarding pass on SmartBuy; air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, credit liability Rs 9 lakh; up to 10% off via Swiggy Dineout; Rs 1,000 PayZapp cashback offer; 24x7 concierge (not on current page)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 1,00,000 (government) or Rs 1,50,000 (non-government); self-employed: age 21-65, ITR above Rs 18 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-regalia-gold-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html","https://cardinsider.com/blog/hdfc-bank-credit-cards-miles-bonus-transfer-offer/","https://www.hdfc.bank.in/credit-cards","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide","https://v.hdfc.bank.in/htdocs/amp/personal/pay/cards/credit-cards/regalia-gold-credit-card.html"],"source_quality":"mixed","unverified_fields":["reward_caps","transfer_partners"],"date_read":"2026-10-31","notes":"Lounge visits now depend on previous-quarter spend. Issuer product page read 2026-10-12. Conflicts (issuer page used): base_earn: old '4 RP per Rs 150' (older HDFC AMP page) vs page '5 RP per Rs 200'; base_return_pct 1.33 -> 1.25 | eligibility: old 'salaried Rs 1 lakh/month' (cardinsider) vs page Rs 1 lakh (government) / Rs 1.5 lakh (non-government). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":169,"depth":"full","slug":"hdfc-regalia-gold","url":"https://m16s.in/cards/hdfc-regalia-gold/"},{"issuer":"HDFC Bank","card_name":"Infinia Metal Edition","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":12500,"annual_fee":12500,"fee_waiver_spend":1000000,"fee_notes":"Cards sourced after 18 Oct 2021: joining and renewal Rs 12,500 + taxes, renewal waived on Rs 10 lakh spend in the preceding 12 months. Cards sourced before 18 Oct 2021: Rs 10,000, waived on Rs 8 lakh (product page).","welcome_benefit":"12,500 Reward Points on fee realisation and card activation; complimentary Club Marriott membership for the first year","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150 on retail spends, including insurance, utilities and education","base_return_pct":3.33,"accelerated_earn":"Up to 10X RP on SmartBuy travel and shopping","reward_caps":"Accrual (earlier data): SmartBuy bonus 15,000 RP/month (aggregator); insurance 10,000 RP/month; grocery 2,000, utility 2,000, telecom 2,000 RP/month (MITC). Redemption (product page): max 2 lakh RP redeemed per statement cycle; 1.5 lakh RP/month for flights, hotels and airmiles; 50,000 RP/month against statement balance; points cover up to 70% of Apple products and Tanishq vouchers. MITC: 70% of flight/hotel booking value; Tanishq vouchers 50,000 RP per quarter; one Apple product per quarter","reward_exclusions":"No points on fuel (product page); rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)","point_value":"1 RP = Re 1 for flights/hotels and for Apple products and Tanishq vouchers via SmartBuy; up to 1 airmile; up to Rs 0.50 products/vouchers; up to Rs 0.30 against statement balance","points_expiry":"3 years","reward_notes":"No redemption fee (MITC). base_return_pct = 5 RP per Rs 150 x Re 1 (SmartBuy flights/hotels) = 3.33%; earn rate and point value both stated on the product page.","transfer_partners":["Singapore KrisFlyer","Air France-KLM Flying Blue","Finnair Plus","Vietnam Lotusmiles","United MileagePlus","Turkish Miles&Smiles","Avianca LifeMiles","Air India Maharaja Club","British Airways Avios","Qatar Airways Privilege Club","Cathay Asia Miles","Air Canada Aeroplan","Etihad Guest","Thai Royal Orchid Plus","SpiceClub","AirAsia Rewards","Accor ALL","Club ITC","Wyndham Rewards","IHG One Rewards","Marriott Bonvoy","Radisson Rewards"],"transfer_ratio":"1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; flights, hotels and airmiles together capped at 1,50,000 points/month (HDFC page).","lounge_domestic":"Unlimited in India, primary and add-on","lounge_international":"Unlimited outside India via Priority Pass, primary and add-on (1,000+ lounges)","lounge_conditions":"No spend condition stated; guest visits chargeable","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on txns between Rs 400 and Rs 1,00,000 (product page); cap Rs 1,000 per statement cycle (MITC)","milestone_benefits":"12,500 RP on renewal fee realisation; no spend milestones on the page","other_freebies":"Unlimited golf games and lessons (India and select courses abroad, 100% green fee waiver at select courses); ITC hotels book-3-nights-pay-for-2 and 1+1 buffet; Club Marriott (up to 25% off dining/stay in Asia-Pacific); 24x7 global concierge; accidental air death cover Rs 3 crore; emergency overseas hospitalisation Rs 50 lakh; credit shield Rs 9 lakh","interest_rate_monthly_pct":1.99,"late_payment_fee":"Waived (MITC excludes Infinia and Infinia Metal Edition from late payment charges)","cash_advance_fee":"MITC excludes Infinia from the 2.5% fee and names no other fee; confirm with HDFC","eligibility":"By invitation only; the bank assesses eligibility and informs the customer (product page). Aggregator reports that from 1 Apr 2026 retention needs Rs 18 lakh annual spend or Rs 50 lakh relationship value","source_product_page":"https://www.hdfc.bank.in/credit-cards/infinia-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-infinia-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html","https://www.hdfc.bank.in/credit-cards","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide"],"source_quality":"mixed","unverified_fields":["eligibility","networks","reward_caps","transfer_partners"],"date_read":"2026-10-31","notes":"Invite only. Points can cover only 70% of a flight or hotel booking and redemptions are capped at 1.5 lakh points a month (2 lakh across all redemptions per statement cycle). Product page read 2026-10-12; it does not state network, points expiry, interest rate or transfer partners. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":170,"depth":"full","slug":"hdfc-infinia-metal-edition","url":"https://m16s.in/cards/hdfc-infinia-metal-edition/"},{"issuer":"HDFC Bank","card_name":"Diners Club Black Metal Edition","cobrand_partner":null,"networks":["Diners"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":800000,"fee_notes":"Joining/renewal Rs 10,000 + taxes. Renewal fee waived on Rs 8 lakh spend in 12 months (product page).","welcome_benefit":"Club Marriott, Amazon Prime and Swiggy One memberships on Rs 1.5 lakh spend in the first 90 days (one line on the page limits Swiggy One to 3 months)","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150","base_return_pct":3.33,"accelerated_earn":"10X RP on hotels and 5X on flights via SmartBuy (up to 10X on SmartBuy); 2X on weekend dining at participating restaurants","reward_caps":"Max 75,000 RP per statement cycle; SmartBuy bonus 10,000 RP/month (aggregator); insurance 5,000 RP/month; grocery 2,000, utility 2,000, telecom 2,000 RP/month; flight/hotel redemption capped at 75,000 RP/month and 70% of booking value (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)","point_value":"1 RP = Re 1 on SmartBuy flights/hotels; up to 1 airmile; up to Rs 0.50 products and vouchers; up to Rs 0.30 cashback","points_expiry":"3 years","reward_notes":"No redemption fee (MITC). Points cover up to 70% of a flight/hotel booking. The product page shows 'up to 10X' and '1X on other spends' but does not print the base rate; 5 RP per Rs 150 is from the MITC. base_return_pct = 5 RP per Rs 150 (MITC) x Re 1 (product page) = 3.33%.","transfer_partners":["Singapore KrisFlyer","Air France-KLM Flying Blue","Finnair Plus","Vietnam Lotusmiles","United MileagePlus","Turkish Miles&Smiles","Avianca LifeMiles","Air India Maharaja Club","British Airways Avios","Qatar Airways Privilege Club","Cathay Asia Miles","Air Canada Aeroplan","Etihad Guest","Thai Royal Orchid Plus","SpiceClub","AirAsia Rewards","Accor ALL","Club ITC","Wyndham Rewards","IHG One Rewards","Marriott Bonvoy","Radisson Rewards"],"transfer_ratio":"1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; partner transfers reportedly capped at 75,000 points/month.","lounge_domestic":"Unlimited, primary and add-on (1,300+ lounges in India and abroad)","lounge_international":"Unlimited, primary and add-on (Diners lounge network; list in the Diners Travel Tool app)","lounge_conditions":"Diners acceptance at lounges is narrower than Visa/Mastercard; guests chargeable","forex_markup_pct":2.0,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"10,000 bonus RP on Rs 4 lakh spend in a calendar quarter","other_freebies":"6 complimentary golf games per quarter; 24x7 concierge; up to 40% off dining via Swiggy Dineout; air accident cover Rs 2 crore; emergency overseas hospitalisation Rs 50 lakh; baggage delay cover up to Rs 55,000 (international flights, beyond 8 hours); credit liability cover Rs 9 lakh","interest_rate_monthly_pct":1.99,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net income above Rs 2.5 lakh a month. Self-employed: age 21-65, net income above Rs 30 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-diners-club-black-metal-edition-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html","https://cardinsider.com/blog/hdfc-bank-credit-cards-miles-bonus-transfer-offer/","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide"],"source_quality":"mixed","unverified_fields":["reward_caps","transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Diners network: merchant and lounge acceptance is weaker than Visa/Mastercard, especially abroad. Product page read 2026-10-12. reward_caps still carries an aggregator figure for the SmartBuy bonus cap; transfer partners are not on the page. Conflicts with earlier data (issuer page used): eligibility: aggregator (cardinsider) said salaried above Rs 1.75 lakh/month and self-employed ITR above Rs 21 lakh; page says Rs 2.5 lakh/month and Rs 30 lakh a year. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":171,"depth":"full","slug":"hdfc-diners-club-black-metal-edition","url":"https://m16s.in/cards/hdfc-diners-club-black-metal-edition/"},{"issuer":"HDFC Bank","card_name":"Tata Neu Infinity","cobrand_partner":"Tata Neu","networks":["Visa","RuPay"],"segment":"mid","card_type":["cobrand","cashback","shopping","upi"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal fee Rs 1,499 + taxes; joining fee billed on the 120th day after issuance; renewal fee waived on Rs 3 lakh annual spend (HDFC page).","welcome_benefit":"1,499 NeuCoins on the first transaction within 30 days of issuance, claimed in the Tata Neu app; not for lifetime-free or first-year-free cards","reward_currency":"NeuCoins","base_earn":"1.5% NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)","base_return_pct":1.5,"accelerated_earn":"5% NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; extra 5% on selected Tata Neu categories after NeuPass registration (not on Tata Pay bill payments, Tanishq, Cult.fit, Air India, Tata Play); UPI: 0.5% from the bank plus 1% more when paying with a Tata Neu UPI ID","reward_caps":"UPI NeuCoins capped at 500 per calendar month; grocery 2,000/month; utility 2,000, telecom and cable 2,000, insurance 2,000 per month (page); max 50,000 NeuCoins per statement cycle (MITC)","reward_exclusions":"Fuel, wallet, rent, government, online gaming; education paid via third-party apps (page); cash withdrawals, SmartEMI (MITC and aggregator)","point_value":"1 NeuCoin = Re 1 on Tata Neu and Tata brands","points_expiry":"12 months from the end of the month in which NeuCoins are credited to the Tata Neu account (from 1 Aug 2025); welcome NeuCoins valid 365 days from claim","reward_notes":"NeuCoins can be spent only inside the Tata ecosystem. Base return = 1.5% x Re 1.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Up to 8 per calendar year: 2 lounge vouchers per calendar quarter, spend-based (Visa and RuPay)","lounge_international":"4 per calendar year (1 per quarter) outside India: Priority Pass on Visa (issued on request), card swipe on RuPay","lounge_conditions":"Domestic vouchers unlock on Rs 50,000 or more spend in a calendar quarter (from 10 Jun 2025); claim within 120 days, use within 180 days. Priority Pass visits beyond quota and all guest visits USD 27 + GST; RuPay swipe fee of USD 3.25 is reversed.","forex_markup_pct":2,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 500 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":"Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh; up to 50 interest-free days","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 1,00,000/month; self-employed: age 21-65, ITR above Rs 12 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/tata-neu-infinity-hdfc-bank-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/tata-neu-infinity-hdfc-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":[],"date_read":"2026-10-31","notes":"Rewards are locked to Tata brands. UPI earn is capped at 500 NeuCoins a month. Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): lounge_conditions: old 'Rs 50,000 spend in the previous quarter' (cardinsider) vs page 'Rs 50,000 or more in a calendar quarter', delivered as vouchers. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":172,"depth":"full","slug":"hdfc-tata-neu-infinity","url":"https://m16s.in/cards/hdfc-tata-neu-infinity/"},{"issuer":"HDFC Bank","card_name":"Tata Neu Plus","cobrand_partner":"Tata Neu","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","cashback","shopping","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal fee Rs 499 + taxes; joining fee billed on the 120th day after issuance; renewal fee waived on Rs 1 lakh annual spend (HDFC page).","welcome_benefit":"499 NeuCoins on the first transaction within 30 days of issuance, claimed in the Tata Neu app; not for lifetime-free or first-year-free cards","reward_currency":"NeuCoins","base_earn":"1% NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)","base_return_pct":1.0,"accelerated_earn":"2% NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; extra 5% on selected Tata Neu categories after NeuPass registration (not on Tata Pay bill payments, Tanishq, Cult.fit, Air India, Tata Play); UPI: 0.25% from the bank plus 0.75% more when paying with a Tata Neu UPI ID","reward_caps":"Grocery 1,000 NeuCoins/month; UPI 500 per calendar month; utility 2,000, telecom and cable 2,000, insurance 2,000 per month (page); 25,000 per statement cycle on categories without their own cap (MITC)","reward_exclusions":"Fuel, wallet, rent, government, online gaming; education paid via third-party apps (page); SmartEMI (MITC and aggregator)","point_value":"1 NeuCoin = Re 1 on Tata Neu and Tata brands","points_expiry":"12 months from the end of the month in which NeuCoins are credited to the Tata Neu account (from 1 Aug 2025); welcome NeuCoins valid 365 days from claim","reward_notes":"Base return = 1% x Re 1. NeuCoins usable only in the Tata ecosystem.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Up to 4 per calendar year: 1 lounge voucher per calendar quarter, spend-based (Visa and RuPay)","lounge_international":"None","lounge_conditions":"Voucher unlocks on Rs 50,000 or more spend in a calendar quarter (from 10 Jun 2025); claim within 120 days, use within 180 days","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable per MITC (updated 29 Oct 2026); product page shows 1%, cap Rs 250","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 25,000/month; self-employed: age 21-65, ITR above Rs 6 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/tata-neu-plus-hdfc-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 2026-10-12. Forex markup is not stated on the page. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":173,"depth":"full","slug":"hdfc-tata-neu-plus","url":"https://m16s.in/cards/hdfc-tata-neu-plus/"},{"issuer":"HDFC Bank","card_name":"Swiggy Ornge","cobrand_partner":"Swiggy","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","cashback"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Joining/renewal fee Rs 500 + charges; renewal fee waived on Rs 1.5 lakh annual spend, cash on call and cash withdrawals excluded (HDFC page).","welcome_benefit":"12-month Swiggy One membership on card activation","reward_currency":"Cashback (statement credit)","base_earn":"1% cashback on other eligible spends","base_return_pct":1.0,"accelerated_earn":"5% on Swiggy app spends (food, Instamart, Dineout) and 5% on select online merchants/MCCs; minimum transaction Rs 249 for the 5% rate","reward_caps":"5% categories: combined Rs 1,500 per billing cycle; 1%: Rs 1,000 per cycle; overall Rs 2,500 per statement cycle (MITC)","reward_exclusions":"Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases","point_value":"Cashback auto-redeemed against the card outstanding at face value","points_expiry":"Not applicable","reward_notes":"Cashback posts against the statement automatically. Base return = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":null,"other_freebies":"Mastercard golf: 12 free lessons a year, 4 complimentary green-fee rounds per calendar year, 50% off further rounds; up to 50 interest-free days","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 20,000; self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/swiggy-ornge-hdfc-bank-credit-card","source_mitc_or_tnc":"https://media-assets.swiggy.com/portal/static-assets/others/key_fact_statement.pdf","source_other":["https://cardinsider.com/hdfc-bank/swiggy-ornge-hdfc-bank-credit-card/","https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","reward_exclusions"],"date_read":"2026-10-31","notes":"Replaced the original Swiggy HDFC card for new applicants. Fees, interest and late charges read from the HDFC Key Fact Statement hosted by Swiggy. Issuer product page read 2026-10-12. Cashback caps and the exclusion list are not on the product page (caps from MITC, exclusions from aggregator). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":174,"depth":"full","slug":"hdfc-swiggy-ornge","url":"https://m16s.in/cards/hdfc-swiggy-ornge/"},{"issuer":"HDFC Bank","card_name":"Swiggy BLCK","cobrand_partner":"Swiggy","networks":["Mastercard"],"segment":"mid","card_type":["cobrand","cashback"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Joining/renewal fee Rs 1,000 + charges; joining fee waived on Rs 75,000 spend in the first 90 days (first year only); renewal fee waived on Rs 2 lakh annual spend, cash on call and cash withdrawals excluded (HDFC page).","welcome_benefit":"3-month Swiggy BLCK membership on card activation","reward_currency":"Cashback (statement credit)","base_earn":"1% cashback on other eligible spends (min txn Rs 100)","base_return_pct":1.0,"accelerated_earn":"10% on Swiggy app (food, Instamart, Dineout; min txn Rs 249); 5% on select online merchants/MCCs (min txn Rs 100)","reward_caps":"10% Swiggy: Rs 1,500 per billing cycle; 5% online: Rs 1,500; 1%: Rs 1,000; overall 4,000 per statement cycle (MITC)","reward_exclusions":"Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases","point_value":"Cashback auto-redeemed against the card outstanding at face value","points_expiry":"Not applicable","reward_notes":"Base return = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":null,"other_freebies":"Mastercard golf: 12 free lessons a year, 4 complimentary green-fee rounds per calendar year, 50% off further rounds; up to 50 interest-free days; concierge (aggregator, not on HDFC page)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 1,00,000; self-employed: age 21-65, ITR above Rs 12 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card","source_mitc_or_tnc":"https://media-assets.swiggy.com/portal/static-assets/others/key_fact_statement.pdf","source_other":["https://cardinsider.com/hdfc-bank/swiggy-blck-hdfc-bank-credit-card/","https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","other_freebies","reward_exclusions"],"date_read":"2026-10-31","notes":"Fees, interest and late charges read from the HDFC Key Fact Statement hosted by Swiggy. Issuer product page read 2026-10-12. Cashback caps and the exclusion list are not on the product page (caps from MITC, exclusions from aggregator). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":175,"depth":"full","slug":"hdfc-swiggy-blck","url":"https://m16s.in/cards/hdfc-swiggy-blck/"},{"issuer":"HDFC Bank","card_name":"Swiggy HDFC Bank Credit Card","cobrand_partner":"Swiggy","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","cashback"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Joining/renewal fee Rs 500 + charges; renewal fee waived on Rs 2 lakh annual spend, cash on call and cash withdrawals excluded (HDFC page).","welcome_benefit":"3-month Swiggy One membership on card activation (one line says activation within 30 days of issuance); claimed in the Swiggy app","reward_currency":"Cashback (statement credit)","base_earn":"1% cashback on other eligible spends","base_return_pct":1.0,"accelerated_earn":"10% on Swiggy app (food orders, Instamart, Dineout); 5% on online spends in listed categories (apparel, electronics, department stores, personal care, local cabs, home decor, pet stores, pharmacies, discount stores, entertainment)","reward_caps":"10%: Rs 1,500 per billing cycle; 5%: Rs 1,500 per billing cycle; 1%: Rs 500 per billing cycle (page); overall Rs 3,500 per statement cycle (MITC)","reward_exclusions":"Fuel, rent, EMI (all types), wallet, jewellery, government, cash advances, forex purchases; Swiggy Money wallet, Swiggy Liquor and Minis excluded from 10%; no cashback on transactions below Rs 100 (page)","point_value":"Cashback posted as statement credit (since 21 Jun 2024), adjusted in the next month's statement","points_expiry":"Not applicable","reward_notes":"Base return = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Golf: 12 free lessons a year, 4 complimentary green-fee rounds per calendar year, 50% off further rounds; up to 50 interest-free days","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants per aggregator; existing holders are being moved to Swiggy Ornge or BLCK. Page still lists criteria: salaried age 21-60, income Rs 15,000/month and above; self-employed age 21-65, ITR above Rs 6 lakh.","source_product_page":"https://www.hdfc.bank.in/credit-cards/swiggy-hdfc-bank-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/swiggy-hdfc-bank-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks","status"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12. Page banner: the bank has started a phased transition of existing holders to Swiggy Ornge or Swiggy BLCK. The page does not say sourcing has stopped and still carries an application section, so status stays unverified. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":176,"depth":"full","slug":"swiggy-hdfc-bank-credit-card","url":"https://m16s.in/cards/swiggy-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"PhonePe HDFC Bank Ultimo","cobrand_partner":"PhonePe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","cashback","upi"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Joining Rs 999 + taxes, annual Rs 999 + taxes. Annual fee waived on Rs 2 lakh spend in the previous year; cash advances, fees and EMI spends do not count (product page).","welcome_benefit":"Cards applied on or after 1 Aug 2026: 5 PhonePe scratch cards worth Rs 200 each on the first 5 UPI-on-credit-card transactions (min Rs 100 each, on the PhonePe app). Only when the joining fee is charged. (Cards applied till 31 Jul 2026: Rs 499 gift card on first UPI transaction plus 10 scratch cards of Rs 50.)","reward_currency":"Reward Points","base_earn":"1% Reward Points on UPI Scan & Pay; the page lists no earn on other card spends (monthly maximum of 2,000 RP equals the three category caps)","base_return_pct":1.0,"accelerated_earn":"10% RP on select PhonePe categories (recharges, utilities, bill payments, travel); 5% RP on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber","reward_caps":"10% category 1,000 RP per calendar month; 5% brands 500 RP per month; Scan & Pay 500 RP per month (2,000 RP a month in all). Cashback redemption max Rs 7,500 per calendar month","reward_exclusions":"EMI, fuel, wallet loads, gift cards, cash advances, card bill payments, government, rent, education, insurance, investments, jewellery","point_value":"1 RP = Re 1 as cashback against statement; Rs 0.30 on SmartBuy (flights/hotels, airmiles, product catalogue)","points_expiry":"2 years from accumulation","reward_notes":"No redemption fee for cashback against statement; min 500 RP to redeem (product page). Points post once a month for the previous calendar month. base_return_pct = 1% Scan & Pay earn x Re 1 per point; applies to UPI Scan & Pay only, other spends outside the listed categories earn nothing per the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"None","lounge_conditions":"HDFC documents conflict. MITC v4.17 (October 2026): 2 domestic visits every calendar quarter, plus 2 more (excluding the first quarter) on Rs 75,000 spend in the previous calendar quarter. Product page: 8 a year, 2 per quarter, conditional on Rs 75,000 spend in a quarter. Needs a re-check at HDFC.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Apply only through the PhonePe app; bank decides the variant (Ultimo or Uno). Indian national. Salaried: age 21-60, gross monthly income above Rs 25,000. Self-employed: age 21-65; the page prints 'Rs 26 lakh per annum' for income","source_product_page":"https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-ultimo-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/phonepe-hdfc-bank-ultimo-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-31","notes":"Monthly caps are low: maximum 2,000 points a month across all categories, and nothing is listed for ordinary card spends outside them. Rewards on PhonePe Pincode ended 5 Dec 2025 per the page. Product page read 2026-10-12; the exclusion list is not on it. Conflicts with earlier data (issuer page used): points_expiry: aggregator said 1 year; page says 2 years | welcome_benefit: aggregator amounts were inconsistent; page gives 5 scratch cards of Rs 200. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":177,"depth":"full","slug":"phonepe-hdfc-bank-ultimo","url":"https://m16s.in/cards/phonepe-hdfc-bank-ultimo/"},{"issuer":"HDFC Bank","card_name":"PhonePe HDFC Bank Uno","cobrand_partner":"PhonePe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","cashback","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Joining Rs 499 + taxes, annual Rs 499 + taxes. Annual fee waived on Rs 1 lakh spend in the previous year; cash advances, fees and EMI spends do not count (product page).","welcome_benefit":"Cards applied after 1 Aug 2026: 5 PhonePe scratch cards worth Rs 100 each on the first 5 UPI-on-credit-card transactions (min Rs 100 each, on the PhonePe app). Only when the joining fee is charged. (Cards applied till 31 Jul 2026: Rs 249 gift card plus 10 scratch cards of Rs 25.)","reward_currency":"Reward Points","base_earn":"1% Reward Points on UPI Scan & Pay; the page lists no earn on other card spends (monthly maximum of 1,500 RP equals the three category caps)","base_return_pct":1.0,"accelerated_earn":"2% RP on select PhonePe categories (recharges, utilities, bill payments, travel); 1% RP on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber","reward_caps":"2% category 500 RP per calendar month; 1% brands 500 RP per month; Scan & Pay 500 RP per month (1,500 RP a month in all). Cashback redemption max Rs 7,500 per calendar month","reward_exclusions":"EMI, fuel, wallet loads, gift cards, cash advances, card bill payments, government, rent, education, insurance, investments, jewellery","point_value":"1 RP = Re 1 as cashback against statement; Rs 0.30 on SmartBuy (flights/hotels, airmiles, product catalogue)","points_expiry":"2 years from accumulation","reward_notes":"No redemption fee for cashback against statement; min 500 RP to redeem (product page). base_return_pct = 1% Scan & Pay earn x Re 1 per point; applies to UPI Scan & Pay only.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Apply only through the PhonePe app; bank decides the variant (Ultimo or Uno). Indian national. Salaried: age 21-60, gross monthly income above Rs 25,000. Self-employed: age 21-65; the page prints 'Rs 26 lakh per annum' for income","source_product_page":"https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-uno-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/phonepe-hdfc-bank-uno-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions"],"date_read":"2026-10-12","notes":"Maximum 1,500 points a month across all categories. No lounge benefit is listed on the page. Rewards on PhonePe Pincode ended 5 Dec 2025. Product page read 2026-10-12; the exclusion list is not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":178,"depth":"full","slug":"phonepe-hdfc-bank-uno","url":"https://m16s.in/cards/phonepe-hdfc-bank-uno/"},{"issuer":"HDFC Bank","card_name":"IRCTC HDFC Bank Credit Card","cobrand_partner":"IRCTC","networks":["RuPay"],"segment":"entry","card_type":["cobrand","travel","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Joining Rs 500 + taxes, renewal Rs 500 + taxes. Renewal fee waived on Rs 1.5 lakh spend in the anniversary year (product page).","welcome_benefit":"Rs 500 gift voucher on 1 transaction of any amount within 37 days of card issuance","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other spends","base_return_pct":1.0,"accelerated_earn":"5 RP per Rs 100 on the IRCTC ticketing website and Rail Connect app; additional 5% cashback on train tickets booked via HDFC Bank SmartBuy","reward_caps":"5 RP on IRCTC capped at 1,000 RP per month and 12,000 a year; SmartBuy 5% cashback capped at Rs 1,000 per month and Rs 12,000 a year (product page). UPI 500 RP/month; 25,000 RP per statement cycle on other categories (MITC)","reward_exclusions":"Fuel, wallet loads, gift/prepaid card loads, voucher purchases, cash advances, payment of outstanding balances, card fees and charges, government, education, rent, Smart EMI / Dial-an-EMI, interest on merchant EMI","point_value":"1 RP = Re 1, redeemable only against train tickets booked via HDFC Bank SmartBuy; up to 70% of the fare; min 100 points","points_expiry":"2 years from date of earning","reward_notes":"Redemption fee Rs 99 + GST per redemption (product page). Points are not transferable. base_return_pct = 1 RP per Rs 100 x Re 1 = 1%, usable only for train tickets; both figures from the product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 IRCTC Executive Lounge visits a year (max 2 per quarter) at railway stations; no airport lounge","lounge_international":"None","lounge_conditions":"Rs 2 non-refundable validation charge per visit; visits beyond the quarterly quota are chargeable","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 gift voucher on Rs 30,000 spend in every calendar quarter (from 1 Jan 2026 for all cards)","other_freebies":"1% transaction charge waived on IRCTC website and Rail Connect app bookings (cap Rs 1,000/month per MITC); up to Rs 1,000 cashback on 200+ brands via PayZapp","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 12,000 a month. Self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/irctc-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-rupay-irctc-credit-card/"],"source_quality":"mixed","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-12","notes":"Points are worth Re 1 only against train tickets on SmartBuy and each redemption costs Rs 99 + GST. Product page read 2026-10-12; forex markup is not stated on it (the page only says international use 'may attract additional charges'). Conflicts with earlier data (issuer page used): welcome_benefit: earlier data said activation within 30 days; page says 1 transaction within 37 days. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":179,"depth":"full","slug":"irctc-hdfc-bank-credit-card","url":"https://m16s.in/cards/irctc-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Shoppers Stop HDFC Bank Credit Card","cobrand_partner":"Shoppers Stop","networks":["RuPay","Mastercard"],"segment":"entry","card_type":["cobrand","shopping"],"status":"open","joining_fee":299,"annual_fee":299,"fee_waiver_spend":null,"fee_notes":"Joining/renewal fee Rs 299 + taxes (HDFC page and MITC); no spend-based waiver found.","welcome_benefit":"Rs 500 Shoppers Stop voucher; complimentary Silver Edge membership worth Rs 350","reward_currency":"Reward Points (First Citizen)","base_earn":"1% in points on non-Shoppers Stop spends","base_return_pct":1.0,"accelerated_earn":"3% in points on Shoppers Stop purchases","reward_caps":"Grocery spends capped at 1,000 points per month (page); 3% tier 500 points/month and 1% tier 1,000 points/month (aggregator, not on page)","reward_exclusions":"No points on rent and government payments (page); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel","point_value":"1 point = Re 1 as Shoppers Stop voucher; Rs 0.25 product catalogue; Rs 0.20 cashback (page). Airmiles and SmartBuy values are blank in the page text; aggregator gives Rs 0.25 airmiles and Rs 0.20 SmartBuy travel.","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). Base return = 1% in points x Re 1 per point as Shoppers Stop voucher, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable per MITC (updated 29 Oct 2026); product page shows 1%, cap Rs 250","milestone_benefits":"Reward Points worth Rs 500 per month for a single purchase of Rs 15,000 or more at Shoppers Stop on weekends (page value chart assumes 5 such visits a year)","other_freebies":"Silver Edge membership; RuPay variant can be linked to UPI","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 20,000/month; self-employed: age 21-65, ITR above Rs 6 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/shoppers-stop-hdfc-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks","point_value","reward_caps"],"date_read":"2026-10-31","notes":"Issuer product page read 2026-10-12. Conflicts (issuer page used): milestone_benefits: old 'Rs 500 voucher' (cardinsider) vs page 'Reward Points worth Rs 500'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":180,"depth":"full","slug":"shoppers-stop-hdfc-bank-credit-card","url":"https://m16s.in/cards/shoppers-stop-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Shoppers Stop Black HDFC Bank Credit Card","cobrand_partner":"Shoppers Stop","networks":[],"segment":"premium","card_type":["cobrand","shopping"],"status":"open","joining_fee":4500,"annual_fee":4500,"fee_waiver_spend":null,"fee_notes":"Joining/renewal fee Rs 4,500 + taxes (page); no spend-based waiver (MITC: NA).","welcome_benefit":"Shoppers Stop voucher worth Rs 1,500; complimentary Shoppers Stop Black membership worth Rs 4,500","reward_currency":"Reward Points (First Citizen)","base_earn":"2% in points on non-Shoppers Stop spends","base_return_pct":2.0,"accelerated_earn":"7% in points on Shoppers Stop purchases","reward_caps":"Grocery spends capped at 1,000 points per month (page); 2,000 points/month on Shoppers Stop spends and 2,000/month on other spends (aggregator, not on page)","reward_exclusions":"No points on rent and government payments (page). Aggregator adds wallet, fuel, supermarkets, tax, EMI, liquor stores, bakeries, cash advances, insurance.","point_value":"1 point = Re 1 as Shoppers Stop voucher; Rs 0.50 SmartBuy flights/hotels; up to 0.5 airmile; Rs 0.35 product catalogue; Rs 0.20 cashback (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (Rs 50 for cashback). Base return = 2% in points x Re 1 per point as Shoppers Stop voucher, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"16 per calendar year (4 per quarter)","lounge_international":"8 per calendar year (2 per quarter)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 500 per statement cycle (page; Rs 400-5,000 txn band per MITC)","milestone_benefits":"Reward Points worth Rs 2,000 per month for a purchase of Rs 50,000 or more at Shoppers Stop on weekends","other_freebies":"Air accident cover Rs 3 crore, overseas hospitalisation Rs 50 lakh, credit liability Rs 9 lakh; Shoppers Stop Black membership","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 70,000/month; self-employed: age 21-65, annual income above Rs 8.4 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/shoppers-stop-black-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/shoppers-stop-black-hdfc-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","reward_caps","reward_exclusions"],"date_read":"2026-10-12","notes":"Monthly cap of 2,000 points on each tier limits the 7% and 2% rates to about Rs 28,500 and Rs 1 lakh of spend. Issuer product page read 2026-10-12. Conflicts (issuer page used): milestone_benefits: old 'Rs 1,500 voucher on a single Rs 50,000+ purchase Fri-Sun' (cardinsider) vs page 'Reward Points worth Rs 2,000 per month' | welcome_benefit: aggregator 'vouchers worth Rs 4,500' vs page 'voucher worth Rs 1,500' plus membership worth Rs 4,500. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":181,"depth":"full","slug":"shoppers-stop-black-hdfc-bank-credit-card","url":"https://m16s.in/cards/shoppers-stop-black-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"MoneyBack+","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal Rs 500 + taxes. Renewal fee waived on Rs 50,000 spend in the year before renewal (product page).","welcome_benefit":"500 Reward Points on paying the joining membership fee","reward_currency":"CashPoints","base_earn":"2 CashPoints per Rs 200 on other spends","base_return_pct":0.25,"accelerated_earn":"10X CashPoints (up to 2.5% value back) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket","reward_caps":"Accrual (earlier data, not on product page): 10X bonus capped at 2,500 CashPoints/month; UPI 500/month; grocery 1,000/month; max 15,000 per statement cycle (MITC). Redemption (product page): 3,000 CashPoints per month; flights/hotels 50,000 CashPoints per month and 50% of booking value; up to 70% on select products/vouchers","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel; gift/prepaid cards and vouchers","point_value":"1 CashPoint = up to Rs 0.25 product catalogue; up to Rs 0.25 SmartBuy flights/hotels; Rs 0.20 cashback; 0.25 airmile","points_expiry":"2 years from accumulation","reward_notes":"Redemption fee Rs 99 + GST (MITC). A balance equal to Rs 500 of CashPoints is needed to redeem against the statement (product page). base_return_pct = 2 CP per Rs 200 x Rs 0.25 = 0.25%; both figures from the product page. As cashback it is 0.20%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 gift voucher on Rs 50,000 spend per calendar quarter","other_freebies":"Extra 10% Swiggy Dineout discount with coupon HDFCCARDS","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 20,000. Self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-moneyback-plus-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","reward_caps"],"date_read":"2026-10-12","notes":"Base rate is 0.25% at best; the card only pays on the five 10X merchants. Statement-credit value is Rs 0.20 per point. Product page read 2026-10-12; forex markup and accrual caps are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":182,"depth":"full","slug":"hdfc-moneyback","url":"https://m16s.in/cards/hdfc-moneyback/"},{"issuer":"HDFC Bank","card_name":"Marriott Bonvoy HDFC Bank Credit Card","cobrand_partner":"Marriott Bonvoy","networks":["Diners"],"segment":"premium","card_type":["cobrand","travel"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Joining/renewal Rs 3,000 + taxes. No spend-based fee waiver; a lifetime-free issue forfeits the welcome/annual benefits (product page FAQ). Joining fee is levied on the 45th day from issuance for cards issued on or after 1 Dec 2023.","welcome_benefit":"1 Free Night Award (up to 15,000 Bonvoy points), 10 Elite Night Credits and Silver Elite status; for cards onboarded on or after 1 Oct 2026, given on levy of the card fee","reward_currency":"Marriott Bonvoy Points","base_earn":"2 Marriott Bonvoy points per Rs 150 on other applicable purchases","base_return_pct":0.67,"accelerated_earn":"8 points per Rs 150 at hotels participating in Marriott Bonvoy; 4 points per Rs 150 on travel, dining and entertainment","reward_caps":"8X up to Rs 10 lakh monthly hotel spend; 4X up to Rs 5 lakh monthly; grocery 2,000 points/month; no cap on insurance points (MITC)","reward_exclusions":"Fuel (MITC), EMI, wallet loads, vouchers, cash advances, government, rent","point_value":"No fixed rupee value; the page says points cannot be exchanged for cash. Aggregator estimate about Rs 0.50 per Bonvoy point","points_expiry":"No expiry if there is earn or redeem activity every 24 months (MITC)","reward_notes":"Points post directly to the Marriott Bonvoy account; HDFC redemption caps do not apply. base_return_pct not recomputed: the issuer states the earn rate but no rupee value, so 0.67% still rests on the aggregator's Rs 0.50 estimate.","transfer_partners":["Marriott Bonvoy (native currency; Marriott's own airline partners apply)"],"transfer_ratio":"Not applicable; earns Bonvoy points directly","lounge_domestic":"12 per year within India (domestic and international terminals)","lounge_international":"Complimentary access outside India every year; the product page does not print the count (earlier data: 12 per year)","lounge_conditions":"No spend condition stated on the page","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"1 Free Night Award (up to 15,000 points, valid 12 months) each at Rs 6 lakh, Rs 9 lakh and Rs 15 lakh eligible spend in an anniversary year. Limited offer 1 Oct-30 Nov 2026 (enrolment needed by 10 Nov 2026): 15,000 points on Rs 1.5 lakh or 30,000 points on Rs 2.5 lakh spend","other_freebies":"10 Elite Night Credits; 2 golf lessons and 2 golf course accesses per quarter; concierge 9 am-9 pm; insurance: baggage delay/loss up to $250, loss of travel documents $250, flight delay $250, air accident $12,500, emergency medical $18,750, credit shield Rs 1 lakh, loss liability Rs 9 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 1 lakh. Self-employed: age 21-65, ITR above Rs 15 lakh a year. Existing HDFC cardholders get it as a floater card with shared limit and need an existing limit of at least Rs 1 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/marriott-bonvoy-hdfc-bank-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["base_return_pct","forex_markup_pct","lounge_international","point_value"],"date_read":"2026-10-31","notes":"Diners network (the page refers to Diners contactless and the DCI lounge app). No fee waiver. Product page read 2026-10-12; forex markup, fuel waiver and the international lounge count are not stated on it. Conflicts with earlier data (issuer page used): interest_rate_monthly_pct: earlier value 3.75% (MITC default); product page FAQ says 3.6% a month. Two issuer documents disagree; verify against the current MITC. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":183,"depth":"full","slug":"marriott-bonvoy-hdfc-bank-credit-card","url":"https://m16s.in/cards/marriott-bonvoy-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Diners Club Privilege","cobrand_partner":null,"networks":["Diners"],"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 3 lakh spend in the year before renewal (product page).","welcome_benefit":"Complimentary annual Swiggy One and Times Prime memberships on Rs 75,000 spend within 90 days of issuance","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200 on retail spends","base_return_pct":1.0,"accelerated_earn":"5X on Swiggy and Zomato online food orders (20 RP per Rs 200); up to 10X on SmartBuy","reward_caps":"Additional 4X on Swiggy/Zomato capped at 2,500 RP per calendar month (product page). Max 50,000 RP per statement cycle; grocery 2,000, utility 2,000, telecom 2,000, insurance 2,000 RP/month (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)","point_value":"1 RP = Rs 0.50 on SmartBuy flights/hotels; Rs 0.50 at select restaurants; up to Rs 0.35 exclusive catalogue; up to Rs 0.20 cashback","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). base_return_pct = 4 RP per Rs 200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%; both figures from the product page.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"2 RP : 1 KrisFlyer mile; no other partners (enthusiast guide dated Jun-Sep 2026)","lounge_domestic":"2 lounge vouchers per calendar quarter","lounge_international":"1 lounge voucher per calendar quarter","lounge_conditions":"From 1 Jul 2026: 3 vouchers a calendar quarter (2 domestic + 1 international) on Rs 60,000 eligible spend in the previous calendar quarter","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"Rs 1,500 voucher (Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Domino's) on Rs 1.5 lakh spend per quarter","other_freebies":"BookMyShow buy-1-get-1 on Friday-Sunday shows (max Rs 250 per ticket, 2 free tickets per calendar month); extra 10% off on Swiggy Dineout bills; air accident cover $125,000; emergency overseas hospitalisation $31,250; baggage delay up to $625; credit liability cover Rs 9 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly salary Rs 35,000. Self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-diners-club-privilege-credit-card/","https://www.hdfc.bank.in/credit-cards","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Diners acceptance is narrower than Visa/Mastercard. Lounge access is spend-gated (Rs 60,000 in the previous quarter) and voucher-based. HDFC's lifestyle category page (fetched 2026-10-12) lists this card at Rs 2,500 + taxes annual fee, against Rs 1,000 on the product page; the product page is used. Product page read 2026-10-12; transfer partners are not on it. Conflicts with earlier data (issuer page used): lounge_international: HDFC listing page said 8 lounge visits worldwide a year in total and the aggregator 1 international per quarter; product page says 2 domestic + 1 international vouchers per quarter, i.e. up to 12 a year, spend-gated | other_freebies: earlier data (HDFC listing) said air accident cover Rs 1 crore; product page says $125,000 | point_value: earlier aggregator data listed 0.5 airmile per RP; the product page lists no airmile rate (see transfer_ratio). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":184,"depth":"full","slug":"hdfc-diners-club-privilege","url":"https://m16s.in/cards/hdfc-diners-club-privilege/"},{"issuer":"HDFC Bank","card_name":"Freedom","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal Rs 500 + taxes. Renewal fee waived on spend above Rs 50,000 in the year before renewal (product page).","welcome_benefit":"500 Reward Points on realisation of the joining fee","reward_currency":"CashPoints","base_earn":"1 point per Rs 200 on other spends","base_return_pct":0.08,"accelerated_earn":"10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber","reward_caps":"10X capped at 2,500 CashPoints/month; max 15,000 per statement cycle (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel; gift cards","point_value":"1 point = Rs 0.15 on SmartBuy flights/hotels and as cashback; up to Rs 0.15 product catalogue; 0.15 airmile","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST; min 500 points for cashback (MITC). base_return_pct = 1 point per Rs 200 x Rs 0.15 = 0.075%, shown as 0.08; both figures from the product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Extra 10% Swiggy Dineout discount with coupon HDFCCARDS; extra CashPoints via PayZapp. The page FAQ mentions a lower interest rate for the first 90 days without a figure (aggregator: 0.99% a month)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 12,000. Self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/freedom-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-freedom-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks","other_freebies"],"date_read":"2026-10-12","notes":"Base return is under 0.1%; only the five 10X merchants pay anything meaningful. Product page read 2026-10-12; network and forex markup are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":185,"depth":"full","slug":"hdfc-freedom","url":"https://m16s.in/cards/hdfc-freedom/"},{"issuer":"HDFC Bank","card_name":"IndianOil HDFC Bank Credit Card","cobrand_partner":"IndianOil","networks":["RuPay","Visa"],"segment":"entry","card_type":["cobrand","fuel"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal Rs 500 + taxes. Renewal fee waived on Rs 50,000 spend in the first year (product page).","welcome_benefit":"Complimentary IndianOil XTRAREWARDS membership; Rs 250 voucher on activation and at least one transaction within 37 days of issuance","reward_currency":"Fuel Points","base_earn":"1 Fuel Point per Rs 150 on other purchases, including UPI","base_return_pct":0.64,"accelerated_earn":"5% of spend as Fuel Points at IndianOil outlets (card swipes only, not UPI), on groceries and on bill payments/utilities","reward_caps":"IndianOil outlets: 250 Fuel Points/month in the first 6 months, 150 after; groceries 100/month; utilities and bill payments 100/month (product page). 25,000 per statement cycle overall (MITC). Redemption to cashback and travel capped at 50,000 points per month","reward_exclusions":"Fuel at non-IndianOil pumps, wallet loads, EMI, account fees, jewellery/gold coins, rent, government payments","point_value":"1 Fuel Point = 3 XTRAREWARDS points = Rs 0.96 of fuel at IndianOil; up to Rs 0.20 catalogue; Rs 0.20 cashback against statement","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST; cashback needs min 2,500 points (MITC). Points + Pay: max 70% in points. base_return_pct = 1 FP per Rs 150 x Rs 0.96 = 0.64%; both figures from the product page (the page's own worked example shows 0.7%).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (MITC)","milestone_benefits":"None; the 'up to 50 litres of free fuel a year' claim is the page's illustration of Fuel Points earned on Rs 23,000 monthly spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, net monthly income above Rs 12,000 (the page FAQ says Rs 10,000). Self-employed: age 21-65, ITR above Rs 6 lakh a year","source_product_page":"https://www.hdfc.bank.in/credit-cards/indianoil-hdfc-bank-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/indianoil-hdfc-bank-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"The 5% fuel rate is capped at 150 points a month after the first six months, i.e. about Rs 3,000 of fuel spend. The product page states a 1% rent fee capped at Rs 3,000 per transaction (from 1 Aug 2024) for this card, against the Rs 4,999 cap in the bank-wide note below. Network read from the page's reference to 'Partner Networks (Visa/RuPay)'. Product page read 2026-10-12. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":186,"depth":"full","slug":"indianoil-hdfc-bank-credit-card","url":"https://m16s.in/cards/indianoil-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"HDFC Bank UPI RuPay Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","rewards"],"status":"open","joining_fee":99,"annual_fee":99,"fee_waiver_spend":25000,"fee_notes":"First-year and renewal fee Rs 99 + taxes. Renewal fee waived on Rs 25,000 spend in 12 months (product page).","welcome_benefit":null,"reward_currency":"CashPoints","base_earn":"1% CashPoints on other spends, UPI and regular card spends alike","base_return_pct":0.25,"accelerated_earn":"3% CashPoints on groceries/supermarket (MCC 5411), dining (MCC 5812, 5814) and PayZapp transactions; 2% on utilities (MCC 4900)","reward_caps":"500 CashPoints per calendar month in each tier (3%, 2%, 1%); transactions below Rs 100 earn nothing; SmartBuy spends earn nothing. Flight/hotel redemption capped at 50% of booking value","reward_exclusions":"Fuel, rent, government, wallet/gift/prepaid loads, voucher purchases, all EMI, insurance, cash advances, card fees","point_value":"1 CashPoint = Rs 0.25 against statement, on SmartBuy, product catalogue and airmiles","points_expiry":"2 years from accumulation","reward_notes":"Redemption fee Rs 99 + GST (MITC); min 500 CashPoints to redeem (product page). base_return_pct = 1 CashPoint per Rs 100 x Rs 0.25 = 0.25%; both figures from the product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None: no fuel surcharge applies on UPI payments, so no waiver; 1% fee on fuel transactions above Rs 15,000 from 1 Oct 2025","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Issued only as an additional floater card to holders of another HDFC Bank credit card, not as a standalone card; no documents needed","source_product_page":"https://www.hdfc.bank.in/credit-cards/hdfc-bank-upi-rupay-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-upi-rupay-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-12","notes":"Virtual-only card, no plastic issued, and only as an add-on to an existing HDFC card. The headline 3%/2%/1% are CashPoints worth Rs 0.25 each, so real returns are 0.75%/0.5%/0.25%. MITC also lists a 'UPI RuPay Mega Saver' variant at 1.99% monthly interest; no details found. Product page read 2026-10-12; forex markup is not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":187,"depth":"full","slug":"hdfc-bank-upi-rupay-credit-card","url":"https://m16s.in/cards/hdfc-bank-upi-rupay-credit-card/"},{"issuer":"HDFC Bank","card_name":"PIXEL Play","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback","upi","secured"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Fees section of the product page: joining/renewal Rs 500 + taxes; joining fee waived on Rs 20,000 spend in the first 90 days; renewal waived on Rs 1 lakh spend in the year. The page banner also says 'Enjoy your card Lifetime Free' without terms, which reads as a running offer.","welcome_benefit":null,"reward_currency":"PIXEL CashPoints","base_earn":"1% CashBack on all other transactions (page FAQ); 1% on UPI spends on the RuPay card","base_return_pct":1.0,"accelerated_earn":"5% on two chosen packs (Dining & Entertainment: BookMyShow, Zomato; Travel: MakeMyTrip, Uber; Grocery: Blinkit, Reliance Smart Bazaar; Electronics: Croma, Reliance Digital; Fashion: Nykaa, Myntra); 3% on one of Amazon, Flipkart or PayZapp; 5% on SmartBuy","reward_caps":"500 points/month on each 5% pack, on SmartBuy 5% and on the 3% platform; 1% uncapped. UPI purchases on the RuPay Pixel card earn up to 500 points a calendar month (MITC).","reward_exclusions":"Fuel, wallet, rent, government, EMI, cash advances","point_value":"CashBack is credited as PIXEL CashPoints, redeemable to the PayZapp wallet once 1,000 points accumulate; earlier data: 1 PIXEL CashPoint = Re 1","points_expiry":"2 years from accumulation","reward_notes":"Redeemed inside PayZapp at a minimum of 1,000 CashPoints (product page); no redemption fee per aggregator. base_return_pct left at 1%: the 1% rate is on the page, the Re 1 point value is not stated there.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Choice of card colour (POP, LIT, ICE), merchant packs and billing date; up to 10% off restaurant bills via Swiggy Dineout; FD-backed variant available (limit up to 90% of FD)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 25,000 a month. Self-employed: age 21-65, ITR above Rs 6 lakh a year. FD-backed route: FD of Rs 56,000 to Rs 5,00,000, limit 90% of FD, no income proof or credit score, not for existing HDFC credit card holders. Managed in PayZapp","source_product_page":"https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-pixel-play-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","reward_caps"],"date_read":"2026-10-31","notes":"Fees: the product page prints Rs 500 with spend waivers and, separately, a 'Lifetime Free' banner; treat it as a Rs 500 card unless the offer is confirmed at application. RuPay is issued as a digital card and Visa as the physical card, on one statement. Page FAQ: card reissue Rs 199 + GST; 1% + GST fee on IRCTC transactions. Product page read 2026-10-12; category caps, the rupee value of a CashPoint and the interest rate are not on it (aggregator quotes 3.6% a month, MITC default is 3.75%). Conflicts with earlier data (issuer page used): joining_fee/annual_fee: earlier value 0 (HDFC listing page said lifetime free); the product page fees section says Rs 500 + taxes with waivers at Rs 20,000 (90 days) and Rs 1 lakh (annual), matching the aggregator. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":188,"depth":"full","slug":"hdfc-pixel-play","url":"https://m16s.in/cards/hdfc-pixel-play/"},{"issuer":"HDFC Bank","card_name":"PIXEL Go","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback","upi","secured"],"status":"open","joining_fee":250,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"Fees section of the product page: joining/renewal Rs 250 + taxes; joining fee waived on Rs 10,000 spend in the first 90 days; renewal waived on Rs 50,000 spend in the year. The page banner also says 'Enjoy your card Lifetime Free' without terms, which reads as a running offer.","welcome_benefit":null,"reward_currency":"PIXEL CashPoints","base_earn":"1% CashBack on eligible transactions (page FAQ: unlimited); 1% on UPI spends on the RuPay card","base_return_pct":1.0,"accelerated_earn":"5% CashBack on eligible transactions via SmartBuy","reward_caps":"Page FAQ: 1% cashback is unlimited; no cap printed for the SmartBuy 5%. UPI purchases on the RuPay Pixel card earn up to 500 points a calendar month (MITC).","reward_exclusions":"Fuel, wallet, rent, government, EMI, cash advances","point_value":"CashBack is credited as PIXEL CashPoints, redeemable to the PayZapp wallet once 500 points accumulate; earlier data: 1 PIXEL CashPoint = Re 1","points_expiry":"2 years from accumulation","reward_notes":"base_return_pct left at 1%: the 1% rate is on the page, the Re 1 point value is not stated there.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Up to 10% off restaurant bills via Swiggy Dineout; EMI conversion in PayZapp; FD-backed variant available (limit up to 90% of FD)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, income Rs 12,000 a month. Self-employed: age 21-65, ITR above Rs 6 lakh a year. FD-backed route: FD of Rs 15,000 to Rs 55,000, limit 90% of FD, no income proof or credit score, not for existing HDFC credit card holders. Applied for and managed in PayZapp","source_product_page":"https://www.hdfc.bank.in/credit-cards/pixel-go-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-pixel-go-credit-card/"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","point_value"],"date_read":"2026-10-31","notes":"Fees: the product page prints Rs 250 with spend waivers and, separately, a 'Lifetime Free' banner; treat it as a Rs 250 card unless the offer is confirmed at application. Product page read 2026-10-12; forex markup, the rupee value of a CashPoint and the interest rate are not on it (aggregator quotes 3.6% a month, MITC default is 3.75%). Conflicts with earlier data (issuer page used): joining_fee/annual_fee: earlier value 0 (HDFC listing page said lifetime free); the product page fees section says Rs 250 + taxes with waivers at Rs 10,000 (90 days) and Rs 50,000 (annual), matching the aggregator | networks: earlier value Visa only; page says RuPay (digital) and Visa (physical) are both issued | reward_notes: earlier data said SmartBuy offers are not usable; page says 5% CashBack on SmartBuy | other_freebies: earlier data (HDFC listing) said 25% off via Swiggy Dineout; product page says up to 10%. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":189,"depth":"full","slug":"hdfc-pixel-go","url":"https://m16s.in/cards/hdfc-pixel-go/"},{"issuer":"HDFC Bank","card_name":"PIXEL Times Move","cobrand_partner":"Times Internet","networks":[],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Annual fee waived on Rs 1 lakh annual spend (aggregator).","welcome_benefit":"3 months Sony LIV Premium, 4 months Spotify Premium, PUMA discount","reward_currency":"Reward Points","base_earn":"2 RP per Rs 200 on UPI and other eligible spends","base_return_pct":0.25,"accelerated_earn":"5X RP on two chosen brand packs (Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, Amazon & Flipkart) and on SmartBuy","reward_caps":"Accelerated categories capped at 2,000 RP per billing cycle","reward_exclusions":"Fuel, wallet, rent, government, EMI, cash advances","point_value":"1 RP = Rs 0.25 in PayZapp wallet; min 2,000 RP","points_expiry":null,"reward_notes":"Base return = 2 RP/200 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"25% off BookMyShow and Cinepolis tickets; Times events access","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/pixel-times-move-credit-card/"],"source_quality":"aggregator","unverified_fields":["accelerated_earn","annual_fee","base_earn","cobrand_partner","forex_markup_pct","fuel_surcharge_waiver","joining_fee","networks","other_freebies","point_value","reward_caps","welcome_benefit"],"date_read":"2026-10-31","notes":"Not found on HDFC's listing page text or in the legible MITC fee rows; all product facts are from Card Insider (page dated 15 Sep 2026). Late fee, cash advance fee and interest are MITC defaults. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":190,"depth":"full","slug":"hdfc-pixel-times-move","url":"https://m16s.in/cards/hdfc-pixel-times-move/"},{"issuer":"HDFC Bank","card_name":"PIXEL Times Rush","cobrand_partner":"Times Internet","networks":[],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Annual fee waived on Rs 1 lakh annual spend (aggregator).","welcome_benefit":"6 months Sony LIV Premium, 4 months Spotify Premium, PUMA discount","reward_currency":"Reward Points","base_earn":"2 RP per Rs 200 on UPI and other eligible spends","base_return_pct":0.25,"accelerated_earn":"10X RP on two chosen brand packs (Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, Amazon & Flipkart); 5X on SmartBuy","reward_caps":"Accelerated categories capped at 2,000 RP per billing cycle","reward_exclusions":"Fuel, wallet, rent, government, EMI, cash advances","point_value":"1 RP = Rs 0.25 in PayZapp wallet; min 2,000 RP","points_expiry":null,"reward_notes":"Base return = 2 RP/200 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"25% off BookMyShow and Cinepolis tickets; Times events access","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Salaried: age 21-60, above Rs 8,000/month; self-employed: ITR above Rs 6 lakh; not for existing HDFC cardholders (aggregator)","source_product_page":null,"source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/pixel-times-rush-credit-card/"],"source_quality":"aggregator","unverified_fields":["accelerated_earn","annual_fee","base_earn","cobrand_partner","forex_markup_pct","fuel_surcharge_waiver","joining_fee","networks","other_freebies","point_value","reward_caps","welcome_benefit"],"date_read":"2026-10-31","notes":"Not found on HDFC's listing page text or in the legible MITC fee rows; all product facts are from Card Insider (page dated 15 Sep 2026). Late fee, cash advance fee and interest are MITC defaults. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":191,"depth":"full","slug":"hdfc-pixel-times-rush","url":"https://m16s.in/cards/hdfc-pixel-times-rush/"},{"issuer":"HDFC Bank","card_name":"Regalia Activ","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 3 lakh spend in the anniversary year (HDFC page). Page FAQ describes a home-loan bundle with no joining or renewal fee for the first 3 years for new-to-bank customers.","welcome_benefit":"Rs 250 Amazon voucher on activating the card within 37 days (page FAQ)","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200 on eligible retail spends incl. insurance (HDFC page)","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"UPI spends on RuPay: max 500 RP per calendar month (page); grocery 2,000 RP/month; utility 2,000, telecom 2,000, insurance 2,000 RP/month; max 50,000 RP per statement cycle; flights/hotels up to 70% of booking via points (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)","point_value":"1 RP = Rs 0.50 flights/hotels on SmartBuy; 0.5 airmile; up to Rs 0.35 products/vouchers; Rs 0.15 cashback (page; a FAQ block on the same page still shows Rs 0.20)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). Base return computed from the issuer page: 4 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per year within India (domestic and international terminals), by card swipe (page headline says 'up to 12')","lounge_international":"6 per calendar year outside India via Priority Pass, shared with add-on","lounge_conditions":"Priority Pass on request after 4 retail transactions; visits beyond 6 and Priority Pass use inside India charged USD 27 + GST; guests need their own add-on card and Priority Pass; page FAQ says RuPay cards are not eligible for Priority Pass. A FAQ block copied from the Regalia card describes a different rule (2 visits per quarter on Rs 1 lakh quarterly spend).","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000 (page); cap Rs 500 per statement cycle (MITC)","milestone_benefits":"10,000 bonus RP on Rs 5 lakh and a further 5,000 RP on Rs 8 lakh spend in an anniversary year","other_freebies":"Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants. Page FAQ (home-loan bundle) cites net income of at least Rs 25,000/month.","source_product_page":"https://www.hdfc.bank.in/credit-cards/regalia-activ-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-activ-credit-card/pdf/mitc-in-english.pdf","source_other":["https://www.hdfc.bank.in/credit-cards","https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-31","notes":"Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): status: old 'open' (HDFC listing page) vs page 'Sourcing of this Credit Card has been stopped' | base_earn: old '4 RP per Rs 150' (HDFC listing page) vs page '4 RP per Rs 200' | lounge_domestic: old 'up to 8' (HDFC listing page) vs page '12 within India'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":192,"depth":"full","slug":"hdfc-regalia-activ","url":"https://m16s.in/cards/hdfc-regalia-activ/"},{"issuer":"HDFC Bank","card_name":"Regalia","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal fee Rs 2,500 + taxes; fee waived on Rs 3 lakh spend in the anniversary year (page FAQ and MITC).","welcome_benefit":"2,500 RP welcome benefit; 2,500 RP renewal benefit when the fee is paid (not when waived)","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200 on retail spends (HDFC page)","base_return_pct":1.0,"accelerated_earn":"Up to 5X Reward Points on flights, hotels, gift vouchers via SmartBuy (HDFC page)","reward_caps":"Grocery 2,000 RP per calendar month; insurance 2,000 RP/month; flight/hotel redemption 50,000 RP per calendar month (page); utility 2,000, telecom 2,000 RP/month; max 50,000 RP per cycle (MITC); SmartBuy bonus 4,000 RP/month (aggregator)","reward_exclusions":"No points on fuel, rent and property management, government transactions, EasyEMI, e-wallet loads; points reversed on SmartEMI conversion (page); online skill gaming, education via third-party apps (MITC)","point_value":"1 RP = Rs 0.50 flights/hotels; up to 0.5 airmile; up to Rs 0.35 products/vouchers; up to Rs 0.15 cashback (page)","points_expiry":"2 years; points nullified if the card is unused for 365 days","reward_notes":"Redemption fee Rs 99 + GST (MITC). Base return recomputed from the issuer page: 4 RP/200 x Rs 0.50 = 1.0%.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"2 RP : 1 KrisFlyer mile; no other partners (enthusiast guide dated Jun-Sep 2026)","lounge_domestic":"Up to 8 per year: 2 vouchers per quarter for primary and add-on","lounge_international":"6 per year outside India via Priority Pass, shared with add-on","lounge_conditions":"Domestic vouchers via SmartBuy need Rs 1 lakh spend in the calendar quarter; Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST; Priority Pass use in India is charged (page)","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 500 per cycle (MITC)","milestone_benefits":"10,000 RP at Rs 5 lakh and a further 5,000 RP at Rs 8 lakh annual spend","other_freebies":"Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh; 24x7 concierge; up to 7.5% off via Swiggy Dineout; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants; replaced by Regalia Gold","source_product_page":"https://www.hdfc.bank.in/credit-cards/regalia-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-regalia-credit-card/","https://www.hdfc.bank.in/credit-cards","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Widely held legacy card. Issuer product page read 2026-10-12. Conflicts (issuer page used): forex_markup_pct: old 2.0 (cardinsider) vs page 3.5 | base_earn: old '4 RP per Rs 150' vs page '4 RP per Rs 200'; base_return_pct 1.33 -> 1.0 | accelerated_earn: old 'up to 10X on SmartBuy' vs page 'up to 5X'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":193,"depth":"full","slug":"hdfc-regalia","url":"https://m16s.in/cards/hdfc-regalia/"},{"issuer":"HDFC Bank","card_name":"Regalia First","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal fee Rs 1,000 + taxes; renewal fee waived on Rs 1 lakh annual spend (HDFC page and MITC).","welcome_benefit":"1,000 RP","reward_currency":"Reward Points","base_earn":"3 RP per Rs 200 (page headline). The same page also says '3 RP per Rs 150 from 1 Sep 2024, excluding wallet, EMI and petrol' and, in a block worded for Business Regalia First, '4 RP per Rs 150'.","base_return_pct":0.45,"accelerated_earn":null,"reward_caps":"Max 25,000 RP per statement cycle (one line says per calendar month); grocery 2,000 RP/month; travel redemption 50,000 RP/month and up to 70% of booking value (page)","reward_exclusions":"No points on rent, education, wallet, EMI, petrol (page); government spends, online skill gaming (MITC)","point_value":"1 RP = Rs 0.30 flights/hotels on SmartBuy; 0.3 airmile; up to Rs 0.25 products/vouchers; Rs 0.10 cashback (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). Base return = 3 RP/200 x Rs 0.30 = 0.45%; not recomputed because the page gives three different earn rates. At 3 RP per Rs 150 it would be 0.60%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None: lounge benefit discontinued from 1 Dec 2023 (page FAQ)","lounge_international":"None: lounge benefit discontinued from 1 Dec 2023 (page FAQ)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 500 per statement cycle (page)","milestone_benefits":"7,500 bonus RP at Rs 6 lakh and a further 5,000 RP at Rs 9 lakh spend per anniversary year (page headline; another block says 5,000 RP at Rs 3 lakh and 2,500 RP at Rs 6 lakh)","other_freebies":"Up to 20% savings via Swiggy Dineout; SmartPay cashback up to Rs 1,800 in the first year plus Rs 800 e-vouchers; 5% cashback on electricity, telecom, tax payments (max Rs 500, first year only); insurance listed as air accident Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card Rs 9 lakh, though another block says Rs 50 lakh/Rs 10 lakh/Rs 5 lakh and that comprehensive protection is discontinued","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/regalia-first-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-regalia-first-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct"],"date_read":"2026-10-31","notes":"Legacy card. Issuer product page read 2026-10-12. The HDFC page for this legacy card mixes Regalia First and Business Regalia First text and contradicts itself on earn rate, milestones and insurance. Conflicts (issuer page used): forex_markup_pct: old 3.5 vs page 2.0 (page line sits in a block worded for Business Regalia First, so kept in unverified_fields) | base_earn: old '3 RP per Rs 200' (cardinsider) matches the page headline, but the page body says '3 RP per Rs 150 from 1 Sep 2024'; left unverified. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":194,"depth":"full","slug":"hdfc-regalia-first","url":"https://m16s.in/cards/hdfc-regalia-first/"},{"issuer":"HDFC Bank","card_name":"Diners Club Black","cobrand_partner":null,"networks":["Diners"],"segment":"super-premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":500000,"fee_notes":"Joining/renewal Rs 10,000 + taxes. Renewal fee waived on Rs 5 lakh annual spend (product page).","welcome_benefit":"Memberships (Club Marriott, Amazon Prime, Swiggy One, MMT Black) on Rs 1.5 lakh spend in 90 days","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150","base_return_pct":3.33,"accelerated_earn":"Up to 10X on hotel and flight bookings via SmartBuy; 2X on weekend dining at participating restaurants","reward_caps":"Max 75,000 RP per cycle; insurance 5,000 RP/month; grocery, utility, telecom 2,000 RP/month each; flight/hotel redemption 75,000 RP/month (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)","point_value":"1 RP = Re 1 on SmartBuy flights/hotels (up to 70% of booking); up to 1 airmile; up to Rs 0.50 products and vouchers; up to Rs 0.30 cashback","points_expiry":"3 years","reward_notes":"No redemption fee (MITC). base_return_pct = 5 RP per Rs 150 x Re 1 = 3.33%; both figures from the product page.","transfer_partners":["Singapore KrisFlyer","Air France-KLM Flying Blue","Finnair Plus","Vietnam Lotusmiles","United MileagePlus","Turkish Miles&Smiles","Avianca LifeMiles","Air India Maharaja Club","British Airways Avios","Qatar Airways Privilege Club","Cathay Asia Miles","Air Canada Aeroplan","Etihad Guest","Thai Royal Orchid Plus","SpiceClub","AirAsia Rewards","Accor ALL","Club ITC","Wyndham Rewards","IHG One Rewards","Marriott Bonvoy","Radisson Rewards"],"transfer_ratio":"1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; partner transfers reportedly capped at 75,000 points/month.","lounge_domestic":"Unlimited, primary and add-on (1,300+ lounges in India and abroad)","lounge_international":"Unlimited, primary and add-on","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 1,000 per cycle","milestone_benefits":"Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months) and MMT Black on Rs 8 lakh spend in the anniversary year; 2 vouchers of Rs 500 (Tata CLiQ, Uber, BookMyShow or Cult.fit) on Rs 80,000 spend (the page does not print the period; aggregator says monthly)","other_freebies":"6 complimentary golf games per quarter; air accident insurance, emergency overseas hospitalisation and baggage-delay cover (amounts not on the page; earlier data: air accident Rs 2 crore); up to Rs 1,000 cashback on 200+ brands via PayZapp","interest_rate_monthly_pct":1.99,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-club-black-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-diners-club-black-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html","https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide"],"source_quality":"mixed","unverified_fields":["fuel_surcharge_waiver","milestone_benefits","transfer_partners","transfer_ratio","welcome_benefit"],"date_read":"2026-10-12","notes":"Plastic variant; the product page confirms sourcing has stopped. The FAQ on the page carries text copied from another card (buy-1-get-1, 2 lounge visits a quarter) and is ignored here. Product page read 2026-10-12; fuel waiver, welcome benefit and transfer partners are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":195,"depth":"full","slug":"hdfc-diners-club-black","url":"https://m16s.in/cards/hdfc-diners-club-black/"},{"issuer":"HDFC Bank","card_name":"MoneyBack","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining Rs 500 + taxes; renewal Rs 500 + taxes from year 2, waived on Rs 50,000 annual spend (product page).","welcome_benefit":"500 Reward Points on card activation, after payment of the joining fee","reward_currency":"Reward Points","base_earn":"2 RP per Rs 150 (page FAQ). The benefits section of the same page words the online offer as '2X Reward Points on every Rs 200 spent online'","base_return_pct":0.33,"accelerated_earn":"2X online: 4 RP per Rs 150 on online spends (page FAQ)","reward_caps":"Extra online points capped at 500 per statement cycle; max 15,000 RP per cycle; grocery 1,000 RP/month. Redemption: 3,000 points per month as cashback; flights/hotels 50,000 per month and 50% of booking value","reward_exclusions":"No points on rent and government transactions (product page, from 1 Jan 2023); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps, fuel (MITC)","point_value":"1 RP = up to Rs 0.25 product catalogue; Rs 0.20 SmartBuy flights/hotels; Rs 0.15 cashback; 0.25 airmile","points_expiry":"2 years from accumulation","reward_notes":"Redemption fee Rs 99 + GST (MITC). Min 2,500 points to redeem against the statement. base_return_pct = 2 RP per Rs 150 x Rs 0.25 (catalogue/airmile ceiling) = 0.33%; both figures from the product page. On SmartBuy travel it is 0.27%, as cashback 0.20%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 gift voucher on Rs 50,000 spend in a calendar quarter (once per quarter)","other_freebies":"Up to 20% off on Swiggy Dineout via Good Food Trail; up to Rs 1,000 cashback on 200+ brands via PayZapp","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/money-back-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-moneyback-credit-card/"],"source_quality":"mixed","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-12","notes":"Legacy card; the product page confirms sourcing has stopped. The page is inconsistent on the earn base (Rs 150 in the FAQ, Rs 200 in the headline). Product page read 2026-10-12; forex markup is not on it. Conflicts with earlier data (issuer page used): point_value: earlier data gave Rs 0.25 for SmartBuy; product page table says Rs 0.20 on SmartBuy flights/hotels, with Rs 0.25 only for catalogue and airmiles. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":196,"depth":"full","slug":"hdfc-moneyback-196","url":"https://m16s.in/cards/hdfc-moneyback-196/"},{"issuer":"HDFC Bank","card_name":"6E Rewards XL - IndiGo HDFC Bank Credit Card","cobrand_partner":"IndiGo","networks":["Mastercard"],"segment":"mid","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver (MITC: NA). MITC marks the card discontinued.","welcome_benefit":"Complimentary IndiGo ticket voucher worth Rs 3,000 and 6E Prime add-on","reward_currency":"6E Rewards","base_earn":"2% 6E Rewards on other spends","base_return_pct":2.0,"accelerated_earn":"5% on IndiGo; 3% on dining, grocery, entertainment","reward_caps":"Dining/grocery/entertainment bonus capped at 2,000 points per statement","reward_exclusions":"Wallet, gift/prepaid, vouchers, EMI, government, rent, cash advances","point_value":"1 6E Reward = Re 1 on IndiGo bookings","points_expiry":"24 months","reward_notes":"Base return = 2% x Re 1, usable only on IndiGo.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Discontinued for new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/6e-rewards-xl-indigo-hdfc-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","lounge_domestic","reward_caps","welcome_benefit"],"date_read":"2026-10-11","notes":"IndiGo has since moved to the BluChip programme; check how legacy 6E Rewards are treated. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":197,"depth":"full","slug":"6e-rewards-xl-indigo-hdfc-bank-credit-card","url":"https://m16s.in/cards/6e-rewards-xl-indigo-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"6E Rewards - IndiGo HDFC Bank Credit Card","cobrand_partner":"IndiGo","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver (MITC: NA). MITC marks the card discontinued.","welcome_benefit":"IndiGo ticket voucher worth Rs 1,500 and 6E Prime add-on","reward_currency":"6E Rewards","base_earn":"1% 6E Rewards on other spends","base_return_pct":1.0,"accelerated_earn":"2.5% on IndiGo; 2% on grocery, dining, entertainment","reward_caps":"Max 25,000 6E Rewards per statement cycle","reward_exclusions":"Wallet, gift/prepaid, vouchers, EMI, government, rent, cash advances","point_value":"1 6E Reward = Re 1 on IndiGo bookings","points_expiry":null,"reward_notes":"Base return = 1% x Re 1, usable only on IndiGo.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Discontinued for new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/6e-rewards-indigo-hdfc-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","forex_markup_pct","networks","reward_caps","welcome_benefit"],"date_read":"2026-10-11","notes":"IndiGo has since moved to the BluChip programme. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":198,"depth":"full","slug":"6e-rewards-indigo-hdfc-bank-credit-card","url":"https://m16s.in/cards/6e-rewards-indigo-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Paytm HDFC Bank Select Credit Card","cobrand_partner":"Paytm","networks":["Visa"],"segment":"entry","card_type":["cobrand","cashback"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":150000,"fee_notes":"First-year fee waived on Rs 50,000 spend in 90 days; annual fee waived on Rs 1.5 lakh spend (MITC).","welcome_benefit":null,"reward_currency":"CashPoints","base_earn":"1% on other retail spends","base_return_pct":1.0,"accelerated_earn":"5% on Paytm app purchases; 3% on Swiggy, Ajio, BigBasket, Uber","reward_caps":"5%: Rs 1,500/month; 3%: Rs 500/month; 1%: Rs 2,000/month; cashback redemption 3,000 points/month (MITC)","reward_exclusions":"Fuel, rent, government, wallet, EMI","point_value":"1 CashPoint = Re 1 against statement; Rs 0.30 SmartBuy travel/catalogue","points_expiry":null,"reward_notes":"Base return = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 500 per cycle","milestone_benefits":"Rs 500 voucher on Rs 50,000 quarterly spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants (aggregator)","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/paytm-hdfc-select-credit-card/"],"source_quality":"mixed","unverified_fields":["annual_fee","forex_markup_pct","joining_fee","lounge_domestic","networks","reward_caps","status"],"date_read":"2026-10-11","notes":"Aggregator marks all Paytm HDFC consumer cards discontinued. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":199,"depth":"full","slug":"paytm-hdfc-bank-select-credit-card","url":"https://m16s.in/cards/paytm-hdfc-bank-select-credit-card/"},{"issuer":"HDFC Bank","card_name":"Paytm HDFC Bank Credit Card","cobrand_partner":"Paytm","networks":["Visa"],"segment":"entry","card_type":["cobrand","cashback"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"First-year fee waived on Rs 30,000 spend in 90 days; renewal waived on Rs 50,000 annual spend (MITC).","welcome_benefit":null,"reward_currency":"CashPoints","base_earn":"1% on other retail spends","base_return_pct":1.0,"accelerated_earn":"3% on Paytm Mall, movies, mini apps; 2% on other Paytm spends","reward_caps":"3%: Rs 500/month; 2%: Rs 500/month; 1%: Rs 1,000/month; cashback redemption 3,000 points/month (MITC)","reward_exclusions":"Fuel, wallet, education, rent, government, EMI","point_value":"1 CashPoint = Re 1 against statement (not confirmed)","points_expiry":null,"reward_notes":"Base return = 1%, assuming Re 1 per CashPoint.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 250 per cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants (aggregator)","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/paytm-hdfc-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["base_return_pct","forex_markup_pct","networks","point_value","reward_caps","status"],"date_read":"2026-10-11","notes":"MITC also lists a 'Paytm HDFC Bank Digital Credit Card' (Rs 149 p.a., no cash withdrawal); not documented separately. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":200,"depth":"full","slug":"paytm-hdfc-bank-credit-card","url":"https://m16s.in/cards/paytm-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"BizBlack Metal Edition","cobrand_partner":null,"networks":["Diners"],"segment":"super-premium","card_type":["business","rewards","travel"],"status":"open","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":750000,"fee_notes":"Joining/renewal fee Rs 10,000 + taxes; renewal fee waived on Rs 7.5 lakh spend in an anniversary year (HDFC page).","welcome_benefit":"ALL Accor+ Explorer membership on Rs 1.5 lakh spend within the first 90 days, for cards set up from 15 Sep 2026 (cards set up 25 Oct 2025 to 14 Sep 2026: Club Marriott annual membership plus Rs 5,000 Taj stay voucher). First-time cardholders only.","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150 (excluding petrol, wallet, rent, education, EMI)","base_return_pct":3.33,"accelerated_earn":"5X Reward Points on bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz hotel and flight bookings, business software via SmartBuy BizDeals (Nuclei); needs Rs 50,000 spend in the statement cycle. Up to 10X on SmartBuy purchases.","reward_caps":"5X bonus capped at 7,500 RP per statement cycle (page FAQ); SmartBuy 10X capped at 10,000 RP per month; max 1,50,000 RP per statement cycle (page); insurance 5,000 RP/month; grocery 2,000 RP/month; flight/hotel redemption 75,000 RP/month (MITC and aggregator)","reward_exclusions":"No points on petrol, wallet, rent, education, EMI (page). Government spends DO earn points on business cards (MITC).","point_value":"1 RP = Re 1 on SmartBuy flights/hotels; up to Re 1 business catalogue; up to Rs 0.50 product catalogue; 1 airmile; Rs 0.30 cashback against statement (page)","points_expiry":"3 years","reward_notes":"No redemption fee (MITC). Base return = 5 RP/150 x Re 1 on SmartBuy flights/hotels = 3.33%, both stated on the issuer page. Points cover up to 70% of a flight/hotel booking (page). Minimum 2,500 RP for statement redemption.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"1 RP : 1 airmile via NetBanking (HDFC page); the page does not list partner programmes","lounge_domestic":"Unlimited, primary and add-on","lounge_international":"Unlimited, primary and add-on, by Diners card (no Priority Pass needed)","lounge_conditions":"Active cardholders only: at least 1 online or in-store transaction in the previous month; access from the 5th of the month (page)","forex_markup_pct":2,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"Rs 5,000 SmartBuy flight or Taj stay voucher on every Rs 5 lakh spend (EMI, rent, petrol excluded), up to Rs 20,000 in a calendar year","other_freebies":"6 complimentary golf games per quarter; 24x7 concierge; credit liability cover Rs 9 lakh; up to 10% off via Swiggy Dineout; up to 55 interest-free days; SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year","interest_rate_monthly_pct":1.99,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian citizen, age 21-65, ITR above Rs 45 lakh (business income), with a mandatory liability relationship","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/biz-black-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-bank-bizblack-metal-edition-credit-card/","https://cardinsider.com/hdfc-bank/best-hdfc-business-credit-cards/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["transfer_partners"],"date_read":"2026-10-31","notes":"Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): reward_caps: old '5X bonus capped at 10,000 RP per cycle' (cardinsider) vs page FAQ '7,500 RP per cycle' | welcome_benefit: old 'Accor Plus Explorer' with a side mention of Club Marriott/Taj (cardinsider) vs page: Accor+ Explorer only for cards set up from 15 Sep 2026. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":201,"depth":"full","slug":"hdfc-bizblack-metal-edition","url":"https://m16s.in/cards/hdfc-bizblack-metal-edition/"},{"issuer":"HDFC Bank","card_name":"BizPower","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"premium","card_type":["business","rewards"],"status":"open","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":400000,"fee_notes":"Joining/renewal fee Rs 2,500 + taxes; renewal fee waived on Rs 4 lakh spend in an anniversary year; first-year fee billed 120 days after issue (HDFC page).","welcome_benefit":"Amazon Prime membership or Rs 1,500 Amazon voucher on one tax (IT/GST), travel or ads (Meta/Google) transaction in the first 30 days; first-time cardholders only from 25 Oct 2025","reward_currency":"Reward Points","base_earn":"5 RP per Rs 200 on business spends (excluding petrol, wallet, rent, education, EMI); only the first 2 income-tax and first 2 GST transactions per billing cycle earn points","base_return_pct":1.25,"accelerated_earn":"5X Reward Points on bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz hotel and flight bookings, business software via Nuclei, Google Ads, Meta Ads, Reliance Digital; needs Rs 25,000 spend (IT and GST excluded) in the statement cycle. Up to 10X on SmartBuy.","reward_caps":"5X bonus capped at 7,500 RP per statement cycle; SmartBuy 10X capped at 4,000 RP per month; max 60,000 RP per statement cycle; UPI on RuPay 500 RP per calendar month (page); grocery 2,000 RP/month (MITC)","reward_exclusions":"No points on petrol, wallet, rent, education, EMI (page)","point_value":"1 RP = up to Rs 0.65 business catalogue; up to Rs 0.50 SmartBuy flights/hotels; up to 0.5 airmile; up to Rs 0.35 product catalogue; Rs 0.15 cashback against statement (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC); min 2,500 RP for statement redemption. Base return recomputed from the issuer page: 5 RP/200 x Rs 0.50 (SmartBuy flights/hotels) = 1.25%; 1.63% at the Rs 0.65 business-catalogue value. Points cover up to 50% of a flight/hotel booking. The page's calculator blurb still says '4 reward points on every Rs 150'. A product-feature-change PDF effective 15 May 2026 is linked but was not read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter (up to 8 a year), spend-based","lounge_international":"6 per year via Priority Pass (after 4 retail transactions); RuPay variant by card swipe","lounge_conditions":"Domestic visits need Rs 75,000 spend in the previous calendar quarter and open from the 5th of the quarter; the same spend also gives 1 zero-cancellation MakeMyTrip domestic flight voucher per quarter","forex_markup_pct":2,"fuel_surcharge_waiver":"Not applicable (MITC)","milestone_benefits":"Rs 5,000 MakeMyTrip or Reliance Digital voucher on Rs 2.5 lakh retail spend per quarter (petrol, IT, GST, EMI excluded) from 1 Jul 2026; was Rs 2,500 until 30 Jun 2026","other_freebies":"Up to 55 interest-free days; credit liability cover Rs 9 lakh; 10% off via Swiggy Dineout; SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian citizen, age 21-65, ITR above Rs 12 lakh; can apply with ITR or GST returns","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/biz-power-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-bank-bizpower-credit-card/","https://cardinsider.com/hdfc-bank/best-hdfc-business-credit-cards/","https://www.hdfc.bank.in/business-credit-cards","https://savesage.club/blogs/hdfc-bizpower-add-airline-hotel-transfer-partners"],"source_quality":"mixed","unverified_fields":["networks"],"date_read":"2026-10-31","notes":"A search result headline reports BizPower added 22 airline and hotel transfer partners; the article was not read, so partners are left empty. Issuer product page read 2026-10-12. Networks taken from the page's network-offers section (Visa, Mastercard) and its RuPay lounge line; not a formal statement of variants. Forex markup and fuel surcharge waiver are not stated on the page. Conflicts (issuer page used): base_earn: old '4 RP per Rs 200' (cardinsider) vs page '5 RP per Rs 200'; base_return_pct 1.0 -> 1.25 | reward_caps: old '5X bonus capped at 5,000 RP per cycle' (cardinsider) vs page '7,500 RP' | lounge_domestic: old '2 per quarter plus 2 more on Rs 75,000 spend, up to 16 a year' (cardinsider) vs page '2 per quarter on Rs 75,000 spend in the previous quarter' (the page calculator blurb still says 16) | milestone_benefits: old 'Rs 2,500 voucher' vs page 'Rs 5,000 from 1 Jul 2026' | welcome_benefit: old 'Amazon Prime annual and Biz Prime 6 months' (cardinsider) vs page 'Amazon Prime membership or Rs 1,500 Amazon voucher'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":202,"depth":"full","slug":"hdfc-bizpower","url":"https://m16s.in/cards/hdfc-bizpower/"},{"issuer":"HDFC Bank","card_name":"BizGrow","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal fee Rs 500 + taxes; renewal fee waived on Rs 1 lakh spend in an anniversary year (HDFC page).","welcome_benefit":"Rs 250 gift voucher (Amazon, Swiggy and more) for one transaction within the first 37 days","reward_currency":"CashPoints","base_earn":"2 CashPoints per Rs 200 on business spends","base_return_pct":0.25,"accelerated_earn":"10X CashPoints (20 per Rs 200) on bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz bookings, business software via Nuclei, DMart, ClearTax; needs Rs 10,000 spend in the statement cycle. SmartBuy: 5% cashback, capped at Rs 1,000 per month.","reward_caps":"10X bonus capped at 1,500 CashPoints per statement cycle; max 15,000 CashPoints per statement cycle; UPI on RuPay 500 per calendar month (page)","reward_exclusions":"No points on rent, education, wallet loads, EMI (MITC)","point_value":"1 CashPoint = up to Rs 0.30 business catalogue; up to Rs 0.25 SmartBuy flights/hotels and product catalogue; Rs 0.20 cashback against statement (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC); min 2,500 CashPoints for statement redemption. Base return = 2 CP/200 x Rs 0.25 = 0.25%, both stated on the issuer page. CashPoints cover up to 50% of a flight/hotel booking.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (page)","milestone_benefits":"2,000 CashPoints on Rs 1 lakh retail spend per quarter (rent and petrol excluded)","other_freebies":"Up to 55 interest-free days; credit liability cover Rs 3 lakh; flat 10% extra off via Swiggy Dineout; SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian citizen, age 21-65, ITR above Rs 6 lakh; can apply with ITR or GST returns","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/biz-grow-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-bank-bizgrow-credit-card/","https://cardinsider.com/hdfc-bank/best-hdfc-business-credit-cards/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12. Limited offer on the page: Rs 500 petrol/Amazon voucher on 6 transactions within 90 days for cards set up 1 Jul to 30 Sep 2026. Networks taken from the page's network-offers section and RuPay UPI line; not a formal statement of variants. Forex markup is not stated on the page. Conflicts (issuer page used): welcome_benefit: old 'transaction within 30 days' (cardinsider) vs page 'within the first 37 days'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":203,"depth":"full","slug":"hdfc-bizgrow","url":"https://m16s.in/cards/hdfc-bizgrow/"},{"issuer":"HDFC Bank","card_name":"BizFirst","cobrand_partner":null,"networks":["Visa","Mastercard","RuPay"],"segment":"entry","card_type":["business","cashback"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal fee Rs 500 + taxes; renewal fee waived on Rs 50,000 spend in an anniversary year; first-year fee billed 120 days after issue (HDFC page).","welcome_benefit":"Rs 250 gift voucher (Amazon, Swiggy and more) for one transaction within the first 37 days","reward_currency":"CashPoints","base_earn":"1% CashPoints on other spends incl. UPI","base_return_pct":0.15,"accelerated_earn":"3% CashPoints on EMI spends; 2% on utility bills, electronics, SmartPay and PayZapp transactions. SmartBuy: 5% cashback, capped at Rs 1,000 per month.","reward_caps":"3% tier 1,000 CashPoints per calendar month; 2% tier 500/month; 1% tier 500/month; max 15,000 per statement cycle; UPI on RuPay 500 per calendar month (page)","reward_exclusions":"Fuel, rent, education, wallet/gift/prepaid loads, vouchers","point_value":"1 CashPoint = up to Rs 0.20 business catalogue; up to Rs 0.15 SmartBuy flights/hotels and product catalogue; Rs 0.10 cashback against statement (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC); min 2,500 CashPoints for statement redemption. Base return = 1 CashPoint per Rs 100 x Rs 0.15 = 0.15%, both stated on the issuer page; the headline '1%' is in points, not rupees. CashPoints cover up to 50% of a flight/hotel booking.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (page)","milestone_benefits":"2,000 CashPoints on Rs 75,000 or more retail spend per quarter (rent and petrol excluded)","other_freebies":"Up to 55 interest-free days; credit liability cover Rs 3 lakh; Swiggy Dineout discount (page says flat 10% extra in one place, up to 20% in another); SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian citizen, age 21-65, ITR above Rs 6 lakh; can apply with ITR or GST returns","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/biz-first-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-bank-bizfirst-credit-card/","https://cardinsider.com/hdfc-bank/best-hdfc-business-credit-cards/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","networks"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12. Networks taken from the page's network-offers section (Visa, Mastercard) and its 'RuPay Biz First' UPI line; not a formal statement of variants. Forex markup is not stated on the page. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":204,"depth":"full","slug":"hdfc-bizfirst","url":"https://m16s.in/cards/hdfc-bizfirst/"},{"issuer":"HDFC Bank","card_name":"GIGA Business","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal fee Rs 500 + taxes; renewal fee waived on Rs 50,000 spend in an anniversary year (HDFC page).","welcome_benefit":"Rs 250 gift voucher (Amazon, Swiggy, OTT Play and more) for one transaction within the first 37 days","reward_currency":"CashPoints","base_earn":"2 CashPoints per Rs 200","base_return_pct":0.25,"accelerated_earn":"6 CashPoints per Rs 200 on business digital spends (advertising, accounting, software licences, cloud hosting), bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz bookings, business tools via Nuclei","reward_caps":"Max 15,000 CashPoints per statement cycle; UPI on RuPay 500 per calendar month (page); accelerated tier capped at 1,500 points per cycle (aggregator, not on page)","reward_exclusions":"Rent, education, wallet, EMI, fuel","point_value":"1 CashPoint = up to Rs 0.25 cashback against statement, SmartBuy flights/hotels and product catalogue; up to Rs 0.30 business catalogue (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC); min 2,500 CashPoints for statement redemption. Base return = 2 CP/200 x Rs 0.25 = 0.25%, both stated on the issuer page. CashPoints cover up to 50% of a flight/hotel booking.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (page)","milestone_benefits":"800 bonus CashPoints on Rs 50,000 spend every month","other_freebies":"Discounts under the GIG special merchant programme (WeWork, LegalWiz, Harapa by Upgrad, Truelancer); up to 55 interest-free days; credit liability cover Rs 3 lakh; Swiggy Dineout discount (page says 7.5% in one place, 10% in another); SmartPay cashback up to Rs 1,800 in the first year; loan on card","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian citizen, age 25-65, ITR above Rs 4 lakh; can apply with ITR or GST returns","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/giga-business-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-giga-business-credit-card/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","reward_caps"],"date_read":"2026-10-12","notes":"Aimed at freelancers and gig workers. Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): eligibility: old 'age 21-65' (cardinsider) vs page 'age 25-65' | point_value: old 'Rs 0.20 statement credit' (MITC) vs page 'up to Rs 0.25 cashback against statement'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":205,"depth":"full","slug":"hdfc-giga-business","url":"https://m16s.in/cards/hdfc-giga-business/"},{"issuer":"HDFC Bank","card_name":"HDFC Bank UPI RuPay Biz Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["business","upi"],"status":"open","joining_fee":99,"annual_fee":99,"fee_waiver_spend":25000,"fee_notes":"Joining/renewal fee Rs 99 + taxes (page labels it a festive season offer); renewal fee waived from year 2 on Rs 25,000 annual spend (HDFC page).","welcome_benefit":null,"reward_currency":"CashPoints","base_earn":"1% CashPoints on other spends, UPI and regular card spends alike (min txn Rs 100)","base_return_pct":0.25,"accelerated_earn":"3% CashPoints on groceries and supermarkets (MCC 5411), dining (MCC 5812, 5814) and PayZapp transactions; 2% on utility bills (MCC 4900)","reward_caps":"500 CashPoints per calendar month in each of the 3%, 2% and 1% tiers (page FAQ)","reward_exclusions":"Fuel, rent, EMI (all types), government, wallet/gift/prepaid card loads and voucher purchases, cash advances, SmartBuy spends; one line on the page also lists insurance (page)","point_value":"1 CashPoint = Rs 0.25 as cashback against statement (page)","points_expiry":"2 years","reward_notes":"Base return = 1 CashPoint per Rs 100 x Rs 0.25 = 0.25%, both stated on the issuer page. Page says minimum 500 CashPoints for redemption (MITC said 250); CashPoints cover up to 50% of a flight/hotel booking. CashPoints are computed per calendar month, not statement cycle.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable: no fuel surcharge on UPI payments, so no waiver (page FAQ)","milestone_benefits":null,"other_freebies":"Up to 50 interest-free days; links to any UPI app","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Issued only as an additional (floater) virtual card to holders of another HDFC Bank credit card; no documents needed. New customers must first take a Visa/Mastercard/Diners primary card.","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/hdfc-bank-upi-rupay-biz-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-bank-upi-rupay-biz-credit-card/","https://cardinsider.com/hdfc-bank/best-hdfc-business-credit-cards/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12. Virtual-only card. Forex markup is not stated on the page. Conflicts (issuer page used): reward_exclusions: old list (cardinsider) included education; page lists government and (in one line) insurance instead | reward_notes: old 'min 250 points for cashback' (MITC) vs page FAQ 'minimum 500 CashPoints'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":206,"depth":"full","slug":"hdfc-bank-upi-rupay-biz-credit-card","url":"https://m16s.in/cards/hdfc-bank-upi-rupay-biz-credit-card/"},{"issuer":"HDFC Bank","card_name":"Paytm HDFC Bank Business Credit Card","cobrand_partner":"Paytm","networks":[],"segment":"entry","card_type":["business","cobrand","cashback"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Membership fee Rs 500 + GST. First-year fee waived on Rs 30,000 non-EMI spend within 90 days; renewal fee waived on Rs 50,000 non-EMI spend in 12 months (product page).","welcome_benefit":"Rs 250 gift voucher on activation with 2 non-EMI transactions in the first 30 days. Paytm First membership no longer applies to customers onboarded on or after 10 Sep 2024","reward_currency":"CashPoints","base_earn":"1% CashPoints on all other retail spends","base_return_pct":1.0,"accelerated_earn":"3% CashPoints on Paytm recharge, utility, movies and mini app spends; 2% on other select Paytm spends","reward_caps":"3%: Rs 500 per calendar month; 2%: Rs 500 per month; 1%: Rs 1,000 per month; grocery 1,000 CashPoints per month; cashback redemption 3,000 points per month; travel redemption 50,000 points per month","reward_exclusions":"Wallet loads, fuel, EMI, rent, education","point_value":"CashPoints redeemable as CashBack and other categories; the product page does not print the value. Earlier data: 1 CashPoint = Re 1 against statement; Rs 0.30 SmartBuy travel/catalogue","points_expiry":null,"reward_notes":"CashPoints for a month are credited in the first week of the next month. base_return_pct left at 1%: the 1% rate is on the page, the point value is not.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 gift voucher on Rs 1 lakh spend in a year (non-EMI, non-wallet, non-rental); first year of the card only","other_freebies":"Up to 20% off at partner restaurants via Dineout; SmartPay utility auto-pay; business loan eligibility check","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":null,"source_product_page":"https://www.hdfc.bank.in/credit-cards/paytm-business-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/paytm-hdfc-business-credit-card/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","point_value","status"],"date_read":"2026-10-12","notes":"Status not settled: the product page carries no 'sourcing stopped' notice and still shows application steps, but its content is dated (Paytm First benefit ended 10 Sep 2024) and Card Insider marks the card discontinued (page dated May 2026). Status kept as closed-to-new and flagged unverified; confirm before relying on it. Product page read 2026-10-12; network, forex markup and point value are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":207,"depth":"full","slug":"paytm-hdfc-bank-business-credit-card","url":"https://m16s.in/cards/paytm-hdfc-bank-business-credit-card/"},{"issuer":"HDFC Bank","card_name":"Paytm HDFC Bank Select Business Credit Card","cobrand_partner":"Paytm","networks":[],"segment":"entry","card_type":["business","cobrand","cashback"],"status":"closed-to-new","joining_fee":1000,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Joining fee Rs 1,000 + taxes, waived on Rs 60,000 non-EMI spend within the first 90 days; renewal fee from year 2 Rs 500 + taxes per the product page, waived on Rs 1 lakh non-EMI spend in 12 months. HDFC's April 2023 Paytm notice page gives the annual fee as Rs 1,000 + GST.","welcome_benefit":"Rs 500 gift voucher on card activation (4 transactions in the first 30 days per HDFC's Paytm notice); complimentary Paytm First membership","reward_currency":"CashPoints","base_earn":"1% cashback on other retail transactions (fuel, EMI, rent, government excluded), per HDFC's April 2023 Paytm notice page; not restated on the product page","base_return_pct":1.0,"accelerated_earn":"5% on Paytm purchases (recharge, utility, movies, mini apps, travel); 3% on Swiggy, AJIO, BigBasket, Uber; 2% on other Paytm spends; 1% extra CashPoints on spending Rs 10,000 in a month (capped at Rs 100 per month)","reward_caps":"Grocery cashback capped at 1,000 CashPoints per month; cashback redemption capped at 3,000 points per month; travel redemption 50,000 points per month (product page). Notice page: 5% tier Rs 1,500 per calendar month, 3% tier Rs 500, 1% tier Rs 2,000.","reward_exclusions":"Wallet loads, fuel, EMI, rent, government spends (page)","point_value":null,"points_expiry":null,"reward_notes":"Cashback is credited as CashPoints redeemable against the statement balance; the page does not state a rupee value per CashPoint. Base return = 1%, assuming Re 1 per CashPoint as on the base card (not recomputed).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per calendar year (capped at 3 per quarter per HDFC's Paytm notice)","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% fuel surcharge waiver (page); Rs 400-5,000 txn band, cap Rs 250 per cycle (MITC)","milestone_benefits":"Rs 1,000 gift voucher on Rs 2 lakh spend in a year","other_freebies":"Paytm First membership; up to 50 interest-free days; personal accident insurance feature withdrawn from 1 Feb 2023 (notice page)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed, Indian, age 21-65, annual ITR above Rs 8 lakh","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/paytm-select-business-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/paytm-hdfc-business-credit-card/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["annual_fee","status"],"date_read":"2026-10-31","notes":"Still listed on HDFC's business cards page; Card Insider marks the Paytm business cards discontinued. Issuer product page read 2026-10-12. Second issuer page used for this card: https://www.hdfc.bank.in/business-credit-cards/paytm-hdfc-bank-business-credit-card (Paytm cards notice, April 2023). The product page shows no discontinuation notice and still lists eligibility; aggregator marks the card discontinued, so status stays unverified. Forex markup is not stated. Conflicts (issuer page used): annual_fee: old 1000 (cardinsider table; also HDFC's April 2023 notice) vs product page 'renewal fee 2nd year onwards Rs 500'; kept in unverified_fields because two HDFC pages disagree | accelerated_earn: old '5% on Paytm Mall; 3% on travel and standing-instruction bill payments' (cardinsider) vs page '5% on Paytm purchases, 3% on Swiggy/AJIO/BigBasket/Uber, 2% other Paytm'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":208,"depth":"full","slug":"paytm-hdfc-bank-select-business-credit-card","url":"https://m16s.in/cards/paytm-hdfc-bank-select-business-credit-card/"},{"issuer":"HDFC Bank","card_name":"Flipkart Wholesale HDFC Bank Credit Card","cobrand_partner":"Flipkart Wholesale","networks":["Diners"],"segment":"entry","card_type":["business","cobrand","cashback"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":300000,"fee_notes":"The product page does not print the fee amounts (it links out to them). Earlier data: first year free, Rs 499 from year 2. Renewal fee waived on Rs 3 lakh spend in the previous year (product page; MITC).","welcome_benefit":"Rs 500 cashback per transaction on the first 3 Flipkart Wholesale online purchases of Rs 2,000+ within 90 days of onboarding","reward_currency":"Cashback (statement credit)","base_earn":"1% cashback on all other spends","base_return_pct":1.0,"accelerated_earn":"5% cashback on Flipkart Wholesale online spends; 5% on telecom, utility, government and tax payments","reward_caps":"Flipkart Wholesale Rs 2,000 per month; telecom/utility/government/tax Rs 250 per month; 1% category capped at 25,000 per month; grocery 1,000 points per month","reward_exclusions":"Rent and education transactions earn nothing (product page, from 1 Jan 2023); EMI transactions (earlier data)","point_value":"Cashback accrued in a calendar month is auto-redeemed in the following statement","points_expiry":"Unredeemed points lapse after 2 years","reward_notes":"base_return_pct = 1% cashback credited to the statement; rate stated on the product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed Indian nationals, age 21-65, ITR above Rs 6 lakh a year (product page). Flipkart Wholesale / Best Price membership requirement per aggregator","source_product_page":"https://www.hdfc.bank.in/credit-cards/flipkart-wholesale-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://www.bankbazaar.com/credit-card/flipkart-wholesale-hdfc-credit-card.html","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["annual_fee","eligibility","joining_fee","networks"],"date_read":"2026-10-31","notes":"For kirana and small retailers who buy from Flipkart Wholesale. Cashback applies only at merchant/terminal IDs on Flipkart Wholesale's list. Product page read 2026-10-12; fee amounts, network, lounge and forex markup are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":209,"depth":"full","slug":"flipkart-wholesale-hdfc-bank-credit-card","url":"https://m16s.in/cards/flipkart-wholesale-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Pine Labs HDFC Bank Credit Card","cobrand_partner":"Pine Labs","networks":[],"segment":"entry","card_type":["business","cobrand","rewards"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Membership fee Rs 499 + GST. First-year fee waived on Rs 45,000 non-EMI spend within 90 days; renewal fee waived on Rs 50,000 non-EMI spend in 12 months (product page).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 150 on POS spends","base_return_pct":0.33,"accelerated_earn":"4 RP per Rs 150 on e-commerce spends; 5% cashback on business essentials (utility, telecom, IRCTC, government and tax payments)","reward_caps":"5% cashback capped at Rs 250 per month; grocery 1,000 points per month; redemption to cashback and travel 50,000 points per month (product page). Max 25,000 points per statement cycle (MITC)","reward_exclusions":"EMI, fuel, wallet loads; rent and education","point_value":"1 RP = Rs 0.20 SmartBuy travel; 0.25 airmile; up to Rs 0.25 product catalogue; Rs 0.20 cashback","points_expiry":null,"reward_notes":"Points + Pay: max 70% in points. base_return_pct = 2 RP per Rs 150 (POS) x Rs 0.25 (catalogue/airmile ceiling) = 0.33%; both figures from the product page. As cashback it is 0.27%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 250 per statement cycle","milestone_benefits":"2,500 bonus Reward Points on Rs 1.8 lakh non-EMI spend in a year","other_freebies":"Up to 50 interest-free days; personal accidental death cover up to Rs 30 lakh (Rs 5 lakh base, more with monthly spend above Rs 25,000 / Rs 50,000); 1.25% flat interest on supplier payments via Pine Labs' payment platform","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Discontinued; no new applications (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/pine-labs-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://www.hdfc.bank.in/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Merchant-focused co-brand, now discontinued: existing cardholders keep current benefits until a replacement card is issued at migration or renewal. Launch offers on the page expired on 30 Sep 2022 and are left out. Product page read 2026-10-12; network, lounge and forex markup are not on it. Conflicts with earlier data (issuer page used): status: earlier value open; product page says the card is discontinued and closed to new applications. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":210,"depth":"partial","slug":"pine-labs-hdfc-bank-credit-card","url":"https://m16s.in/cards/pine-labs-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Pine Labs HDFC Bank Pro Credit Card","cobrand_partner":"Pine Labs","networks":["Visa"],"segment":"mid","card_type":["business","cobrand","rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Membership fee Rs 1,000 + GST, levied after 90 days of issuance. First-year fee waived on Rs 75,000 non-EMI spend within 90 days; renewal fee waived on Rs 1 lakh non-EMI spend in 12 months (product page).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"4 RP per Rs 150 on all e-commerce and POS spends","base_return_pct":1.33,"accelerated_earn":"5% cashback on business essentials (utility, telecom, IRCTC, government and tax payments)","reward_caps":"5% cashback capped at Rs 250 per month; grocery 1,000 points per month; redemption to cashback and travel 50,000 points per month","reward_exclusions":"EMI, fuel, wallet loads; rent and education","point_value":"1 RP = Rs 0.50 SmartBuy travel; 0.5 airmile; up to Rs 0.35 product catalogue; Rs 0.20 cashback","points_expiry":null,"reward_notes":"Points + Pay: max 70% in points. base_return_pct = 4 RP per Rs 150 x Rs 0.50 (SmartBuy travel) = 1.33%; both figures from the product page. As cashback it is 0.53%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per calendar year (max 2 per quarter) at airport lounges in India via the Visa lounge programme","lounge_international":null,"lounge_conditions":"Rs 2 transaction fee charged to the card per visit","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 250 per statement cycle","milestone_benefits":"10,000 bonus RP on Rs 5 lakh non-EMI spend in a year; 5,000 more (15,000 total) on Rs 8 lakh","other_freebies":"Up to 50 interest-free days; personal accidental death and permanent disability cover up to Rs 30 lakh (Rs 5 lakh base, more with monthly spend above Rs 25,000 / Rs 50,000); 1% flat interest on supplier payments via Pine Labs' payment platform","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Discontinued; no new applications (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/pine-labs-pro-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://www.hdfc.bank.in/credit-cards"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Merchant-focused co-brand, now discontinued: existing cardholders keep current benefits until a replacement card is issued at migration or renewal. Network taken from the page's reference to the Visa lounge programme. Launch offers that expired on 30 Sep 2022 are left out. Product page read 2026-10-12; forex markup and points expiry are not on it. Conflicts with earlier data (issuer page used): status: earlier value open; product page says the card is discontinued and closed to new applications. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":211,"depth":"full","slug":"pine-labs-hdfc-bank-pro-credit-card","url":"https://m16s.in/cards/pine-labs-hdfc-bank-pro-credit-card/"},{"issuer":"HDFC Bank","card_name":"Business Regalia","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["business","rewards","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal fee Rs 2,500 + taxes (page); renewal fee waived on Rs 3 lakh annual spend (MITC).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"4 RP per Rs 200 on retail spends incl. insurance and utilities (wallet, EMI, petrol excluded)","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Max 50,000 RP per statement cycle; grocery 2,000 RP/month; UPI on RuPay 500 RP per calendar month; travel redemption 50,000 RP/month (page)","reward_exclusions":"Rent, education, wallet loads, EMI, petrol (page)","point_value":"1 RP = Rs 0.50 flights/hotels on SmartBuy; 0.5 airmile; up to Rs 0.35 products/vouchers; Rs 0.15 cashback against statement (page)","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). Base return recomputed from the issuer page: 4 RP/200 x Rs 0.50 = 1.0%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Up to 8 per year: 2 per calendar quarter, spend-based","lounge_international":"6 per calendar year outside India via Priority Pass, shared with add-on; Diners variant by card","lounge_conditions":"Domestic visits need Rs 1 lakh spend in the previous quarter, open from the 5th of the quarter and come as lounge vouchers from 5 Jan 2026 (card swipe no longer accepted). Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST. A page FAQ still says 12 visits within India.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 500 per cycle (MITC)","milestone_benefits":"10,000 bonus RP at Rs 5 lakh and a further 5,000 RP at Rs 8 lakh spend in the anniversary year","other_freebies":"Flat 10% extra off via Swiggy Dineout; up to 50 interest-free days; concierge; insurance covers withdrawn from 1 Apr 2025 (aggregator)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Self-employed, age 21-65, ITR Rs 12 lakh (aggregator). Not on HDFC's current business card list; superseded by BizPower.","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/business-regalia-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/business-cards/hdfc-business-regalia-credit-card/","https://www.hdfc.bank.in/business-credit-cards"],"source_quality":"mixed","unverified_fields":["networks"],"date_read":"2026-10-12","notes":"Legacy business card, still serviced. Issuer product page read 2026-10-12. Page mentions Diners Club and RuPay variants for lounge access; networks left as recorded and unverified. Conflicts (issuer page used): base_earn: old '4 RP per Rs 150' vs page '4 RP per Rs 200'; base_return_pct 1.33 -> 1.0. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":212,"depth":"full","slug":"hdfc-business-regalia","url":"https://m16s.in/cards/hdfc-business-regalia/"},{"issuer":"HDFC Bank","card_name":"Diners ClubMiles","cobrand_partner":null,"networks":["Diners"],"segment":"mid","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 1 lakh spend in a year (product page).","welcome_benefit":"1,000 RP on fee payment","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200","base_return_pct":1.0,"accelerated_earn":"Up to 10X on partner brands / SmartBuy","reward_caps":"Max 50,000 RP per statement cycle (product page; MITC). 10X capped at 5,000 points/month (aggregator); grocery 2,000 RP/month (MITC)","reward_exclusions":"No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming (MITC)","point_value":"1 RP = Rs 0.50 on SmartBuy flights/hotels (up to 70% of booking); 1 airmile; up to Rs 0.35 product catalogue; up to Rs 0.20 cashback","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST (MITC). base_return_pct = 4 RP per Rs 200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%; both figures from the product page.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"1 RP = 1 airmile (product page); the page does not name the programmes. Aggregator named InterMiles, Singapore Airlines and Club Vistara, two of which have closed","lounge_domestic":"6 complimentary lounge visits a year in total; the page does not split domestic and international","lounge_international":"Not separately stated; covered, if at all, by the same 6 visits a year","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 500 per cycle per MITC (aggregator says Rs 250)","milestone_benefits":null,"other_freebies":"15% discount at premium restaurants; concierge; air accident cover Rs 1 crore; emergency medical expenses up to Rs 25 lakh; baggage delay/loss up to Rs 50,000; credit liability cover Rs 9 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-club-miles-credit-card","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-diners-club-miles-credit-card/","https://www.hdfc.bank.in/credit-cards"],"source_quality":"mixed","unverified_fields":["reward_caps","transfer_partners"],"date_read":"2026-10-31","notes":"Legacy Diners card; the product page confirms sourcing has stopped and links to changes effective 15 May 2026 that were not readable. Product page read 2026-10-12; forex markup, fuel waiver, welcome benefit and partner names are not on it. Conflicts with earlier data (issuer page used): base_earn: earlier value 4 RP per Rs 150; product page says 4 RP per Rs 200, so base_return_pct falls from 1.33 to 1.0 | interest_rate_monthly_pct: earlier value 3.75% (MITC default); product page says 3.6% a month. Two issuer documents disagree; verify against the current MITC. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":213,"depth":"full","slug":"hdfc-diners-clubmiles","url":"https://m16s.in/cards/hdfc-diners-clubmiles/"},{"issuer":"HDFC Bank","card_name":"Times Platinum","cobrand_partner":"Times Internet","networks":["Visa"],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":250000,"fee_notes":"Rs 1,000 with waiver on Rs 2.5 lakh annual spend (MITC). Aggregator shows nil joining fee.","welcome_benefit":"Times Prime membership and e-vouchers (aggregator)","reward_currency":"Reward Points","base_earn":"3 RP per Rs 150","base_return_pct":null,"accelerated_earn":"10 RP per Rs 150 on weekday dining","reward_caps":"Grocery 1,000 RP/month; max 25,000 RP per statement cycle (MITC)","reward_exclusions":"No points on fuel, rent, government spends, wallet loads, EMI (MITC and aggregator)","point_value":"Not confirmed; aggregator cites about Rs 0.10 per point","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST. Point value not confirmed, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per cycle","milestone_benefits":null,"other_freebies":"BookMyShow movie ticket discount; dining discounts","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-platinum-times-credit-card/"],"source_quality":"mixed","unverified_fields":["forex_markup_pct","joining_fee","networks","other_freebies","point_value","welcome_benefit"],"date_read":"2026-10-11","notes":"Legacy Times co-brand. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":214,"depth":"full","slug":"hdfc-times-platinum","url":"https://m16s.in/cards/hdfc-times-platinum/"},{"issuer":"HDFC Bank","card_name":"Times Titanium","cobrand_partner":"Times Internet","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Rs 500 with waiver on Rs 1.5 lakh annual spend (MITC). Aggregator shows nil joining fee.","welcome_benefit":"Times Prime membership and e-vouchers (aggregator)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 150","base_return_pct":null,"accelerated_earn":"5 RP per Rs 150 on weekday dining","reward_caps":"Max 25,000 RP per statement cycle; grocery 1,000 RP/month (MITC)","reward_exclusions":"No points on fuel, rent, government spends, wallet loads, EMI (MITC and aggregator)","point_value":"Not stated","points_expiry":"2 years","reward_notes":"Redemption fee Rs 99 + GST. Point value not found, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per cycle (MITC)","milestone_benefits":null,"other_freebies":"25% off BookMyShow movie tickets; dining discounts","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)","cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards","source_mitc_or_tnc":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf","source_other":["https://cardinsider.com/hdfc-bank/hdfc-bank-titanium-times-credit-card/"],"source_quality":"mixed","unverified_fields":["joining_fee","networks","other_freebies","welcome_benefit"],"date_read":"2026-10-11","notes":"Forex markup rose from 2% to 3.5% on 10 Feb 2024 (MITC footnote). Legacy Times co-brand. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.","id":215,"depth":"full","slug":"hdfc-times-titanium","url":"https://m16s.in/cards/hdfc-times-titanium/"},{"issuer":"HDFC Bank","card_name":"All Miles","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":100000,"fee_notes":"Fee amount not printed on the page. First-year fee free on Rs 15,000 spend within the first 90 days; renewal free on Rs 1 lakh spend in a year.","welcome_benefit":"Cashback equivalent to the first year's fee on initial spending (terms not on page)","reward_currency":"Reward Points","base_earn":"Page wording: '3X Reward Points for every Rs 150 you spend'","base_return_pct":null,"accelerated_earn":"Page wording: '2X Reward Points for hotel bookings, mobile recharge and shopping'","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct not computed: the page gives no point value and its earn wording (3X per Rs 150 as base, 2X as the bonus) is internally inconsistent.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% fuel surcharge waiver (limits not on page)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/all-miles-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card, closed to new applicants. The page links to changes effective 15 May 2026 that were not readable. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":705,"depth":"partial","slug":"hdfc-all-miles","url":"https://m16s.in/cards/hdfc-all-miles/"},{"issuer":"HDFC Bank","card_name":"Bharat","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Joining/renewal Rs 500 + taxes. No spend-based waiver is printed; the FAQ only says points can be redeemed to offset the fee.","welcome_benefit":null,"reward_currency":"CashBack credited as Reward Points","base_earn":"None: no rewards on merchant categories outside fuel, groceries, IRCTC and recharges","base_return_pct":0.0,"accelerated_earn":"5% cashback each month on fuel, grocery, bill payments and mobile recharge; on IRCTC ticket bookings; and on PayZapp, EasyEMI and SmartBuy spends. Up to 10% cashback on flights, hotels and gift vouchers via SmartBuy","reward_caps":"Combined cashback across the 5% categories capped at Rs 150 per month. Redemption capped at 3,000 points per month; up to 70% of product/voucher value in points","reward_exclusions":"Wallet loading, rent, government transactions; recharges bundled with mobile purchases or at mobile outlets; anything outside eligible RuPay MCCs","point_value":"1 Reward Point = Re 1 against statement balance, on request","points_expiry":"2 years from accumulation","reward_notes":"Cashback posts as reward points in the next statement. base_return_pct = 0: the page says there is no reward outside the 5% categories. Inside them the Rs 150 monthly cap is reached at Rs 3,000 of spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Up to Rs 1,000 cashback on 200+ brands via PayZapp","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/bharat-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-31","notes":"Legacy card, closed to new applicants. Total cashback is capped at Rs 150 a month (Rs 1,800 a year). Network inferred from the page's reference to eligible MCCs 'by RuPay'; it does not list networks outright. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":706,"depth":"partial","slug":"hdfc-bharat","url":"https://m16s.in/cards/hdfc-bharat/"},{"issuer":"HDFC Bank","card_name":"Diners Club Premium","cobrand_partner":null,"networks":["Diners"],"segment":"mid","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"Joining/renewal Rs 2,500 + taxes. Renewal fee waived on Rs 3 lakh spend in the year before renewal.","welcome_benefit":"2,500 Reward Points on card activation","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Max 50,000 RP per statement cycle; points cover up to 70% of a flight/hotel booking","reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"1 RP = Rs 0.50 on SmartBuy flights/hotels; 0.50 airmile; up to Rs 0.35 catalogue and vouchers; up to Rs 0.20 cashback","points_expiry":null,"reward_notes":"base_return_pct = 4 RP per Rs 200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%; both figures from the product page.","transfer_partners":["Air India","Singapore Airlines","Jet Airways (listed on the page; airline no longer operating)"],"transfer_ratio":"1 RP = 0.50 airmile","lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"24x7 concierge; accidental air death cover Rs 1 crore; emergency overseas hospitalisation up to Rs 25 lakh; baggage delay/loss up to Rs 50,000; credit liability cover Rs 9 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-club-premium-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy Diners card, closed to new applicants. The partner airline list on the page is dated (it still names Jet Airways). The page links to changes effective 15 May 2026 that were not readable. No lounge benefit is printed. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":707,"depth":"full","slug":"hdfc-diners-club-premium","url":"https://m16s.in/cards/hdfc-diners-club-premium/"},{"issuer":"HDFC Bank","card_name":"Diners Club Rewardz","cobrand_partner":null,"networks":["Diners"],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 1 lakh annual spend.","welcome_benefit":"1,000 Reward Points on card activation and on renewal","reward_currency":"Reward Points","base_earn":"3 RP per Rs 200","base_return_pct":0.45,"accelerated_earn":"Up to 5% cashback on spends via SmartBuy","reward_caps":"Max 15,000 RP per statement cycle; points cover up to 70% of a flight/hotel booking","reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"1 RP = Rs 0.30 on SmartBuy flights/hotels; 0.30 airmile; up to Rs 0.25 catalogue and vouchers; up to Rs 0.15 cashback","points_expiry":null,"reward_notes":"base_return_pct = 3 RP per Rs 200 x Rs 0.30 (SmartBuy flights/hotels) = 0.45%; both figures from the product page.","transfer_partners":["Singapore Airlines KrisFlyer","Jet Airways JPMiles (listed on the page; programme no longer operating)"],"transfer_ratio":"1 RP = 0.30 airmile","lounge_domestic":null,"lounge_international":null,"lounge_conditions":"The page FAQ says the card gives unlimited access to 1,000+ lounges in India for primary and add-on members, but the benefits section lists no lounge benefit and the same sentence is repeated on other legacy pages; not relied on","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"24x7 global concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/diners-club-rewardz-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["lounge_conditions"],"date_read":"2026-10-31","notes":"Legacy Diners card, closed to new applicants. Lounge fields left null: the only lounge claim is a boilerplate FAQ line that contradicts the rest of the page. The page links to changes effective 15 May 2026 that were not readable. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":708,"depth":"partial","slug":"hdfc-diners-club-rewardz","url":"https://m16s.in/cards/hdfc-diners-club-rewardz/"},{"issuer":"HDFC Bank","card_name":"Doctor's Regalia","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":300000,"fee_notes":"First-year and renewal fee Rs 2,500 + taxes each. Renewal fee waived on Rs 3 lakh spend in 12 months.","welcome_benefit":"2,500 Reward Points on joining and 2,500 on renewal, only when the fee is paid (not when waived)","reward_currency":"Reward Points","base_earn":"4 RP per Rs 150 on all retail spends, including insurance, utilities, education and rent pay","base_return_pct":1.33,"accelerated_earn":null,"reward_caps":"Insurance spends: max 2,000 RP per day. Points cover up to 70% of a flight/hotel booking","reward_exclusions":"Fuel, EasyEMI, e-wallet loads, rent; points reversed if a purchase is converted to SmartEMI","point_value":"1 RP = Rs 0.50 on flights and hotels via the Regalia SmartBuy portal","points_expiry":"2 years from accumulation; all points lapse if the card is unused for 365 days","reward_notes":"base_return_pct = 4 RP per Rs 150 x Rs 0.50 = 1.33%; both figures from the product page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per calendar year within India (domestic and international terminals), via the Visa/Mastercard lounge programme","lounge_international":"6 per calendar year outside India via Priority Pass, shared between primary and add-on","lounge_conditions":"Priority Pass can be applied for after 4 retail transactions; visits beyond 6 cost US$27 + GST each; Priority Pass use inside India is charged","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns between Rs 400 and Rs 5,000 (cap not on page)","milestone_benefits":"10,000 bonus RP on Rs 5 lakh spend in the anniversary year; a further 5,000 RP on Rs 8 lakh","other_freebies":"Professional indemnity cover up to Rs 20 lakh (Rs 4 lakh any one accident, Rs 25,000 deductible); accidental air death cover Rs 1 crore; emergency overseas hospitalisation up to Rs 15 lakh; credit liability cover Rs 9 lakh; 24x7 travel concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"For doctors. Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/doctors-regalia-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy doctors' variant of Regalia, closed to new applicants. Dineout Passport membership shown on the page ended on 31 Dec 2021. The FAQ's 'unlimited lounge access' line contradicts the 12 + 6 visits in the benefits section and is ignored. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":709,"depth":"full","slug":"hdfc-doctor-s-regalia","url":"https://m16s.in/cards/hdfc-doctor-s-regalia/"},{"issuer":"HDFC Bank","card_name":"Doctor's Superia","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Joining/annual fee Rs 1,000. No spend-based waiver printed on the page.","welcome_benefit":"1,000 Reward Points on joining; 1,000 Reward Points every year","reward_currency":"Reward Points","base_earn":"3 RP per Rs 200","base_return_pct":null,"accelerated_earn":"50% more Reward Points on dining (restaurant MCC only; hotels excluded)","reward_caps":null,"reward_exclusions":"Cash advances, fees and charges, rent; transactions below Rs 200","point_value":"667 RP = 100 airmiles (about 0.15 airmile per RP); catalogue at the 'applicable redemption rate', not printed","points_expiry":"2 years from accumulation","reward_notes":"base_return_pct not computed: the page gives no rupee value for a point.","transfer_partners":[],"transfer_ratio":"667 RP : 100 airmiles; page says 20+ international airlines and major domestic airlines without naming them","lounge_domestic":null,"lounge_international":null,"lounge_conditions":"The page FAQ says the card gives unlimited access to 1,000+ lounges in India, but the benefits section lists no lounge benefit and the same sentence is repeated on other legacy pages; not relied on","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Professional indemnity cover up to Rs 20 lakh (Rs 4 lakh any one accident, Rs 25,000 deductible)","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"For doctors. Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/doctors-superia-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["lounge_conditions"],"date_read":"2026-10-31","notes":"Legacy doctors' card, closed to new applicants. Lounge fields left null for the reason given in lounge_conditions. Network read from the page's reference to Visa/MasterCard merchant codes. The page links to changes effective 15 May 2026 that were not readable. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":710,"depth":"partial","slug":"hdfc-doctor-s-superia","url":"https://m16s.in/cards/hdfc-doctor-s-superia/"},{"issuer":"HDFC Bank","card_name":"InterMiles HDFC Bank Diners Club Credit Card","cobrand_partner":"InterMiles","networks":["Diners"],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":800000,"fee_notes":"Fee amount not printed on the page. Next year's fee waived on Rs 8 lakh annual spend; a waived fee forfeits the flight/hotel discount vouchers.","welcome_benefit":"10,000 InterMiles on Rs 20,000 spend within 30 days; 15,000 InterMiles on Rs 1.5 lakh retail spend within 90 days; InterMiles Gold membership for the first year; Rs 2,000 flight and Rs 3,000 hotel discount vouchers in the first year. The page also lists 2,500 Reward Points on activation and renewal","reward_currency":"InterMiles","base_earn":"8 InterMiles per Rs 150 on retail spends","base_return_pct":null,"accelerated_earn":"16 InterMiles per Rs 150 on flights and hotels booked on the InterMiles site; 2.5X bonus InterMiles on Etihad tickets booked there","reward_caps":"Insurance spends: max 2,000 InterMiles per day; grocery 1,000 points a month","reward_exclusions":"Purchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion","point_value":null,"points_expiry":null,"reward_notes":"InterMiles credited to the InterMiles account cannot be converted to Reward Points. base_return_pct not computed: no rupee value for an InterMile on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited at 1,000+ lounges in India","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 1,000 per billing cycle","milestone_benefits":"Ola, BookMyShow and Tata CLiQ vouchers on monthly spends over Rs 80,000","other_freebies":"Unlimited golf games in India and at select courses abroad; 10% off Etihad business and 5% off economy tickets on the InterMiles site; air accident cover Rs 2 crore; emergency overseas hospitalisation Rs 50 lakh; baggage delay up to Rs 55,000; credit liability cover Rs 9 lakh; up to 3 add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"No longer issued. When offered: salaried age 21-60 with gross monthly income above Rs 1.2 lakh; self-employed age 21-65 with ITR above Rs 14.4 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/intermiles-diners-club-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Discontinued co-brand. The page states the InterMiles cards are phased out: holders were migrated to other HDFC cards in phases (Jan/Feb 2023, Dec 2023, Nov 2024) and all product features were discontinued from 15 Dec 2024. The benefits listed are historical. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":711,"depth":"partial","slug":"intermiles-hdfc-bank-diners-club-credit-card","url":"https://m16s.in/cards/intermiles-hdfc-bank-diners-club-credit-card/"},{"issuer":"HDFC Bank","card_name":"InterMiles HDFC Bank Platinum Credit Card","cobrand_partner":"InterMiles","networks":["Visa","Mastercard"],"segment":"mid","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":250000,"fee_notes":"Fee amount not printed on the page. Renewal fee waived on Rs 2.5 lakh spend within 12 months; a waived fee forfeits the flight/hotel discount vouchers.","welcome_benefit":"Up to 3,000 bonus InterMiles: 1,500 on Rs 3,000 spend within 30 days and 1,500 on Rs 50,000 retail spend within 90 days; Rs 500 flight and Rs 1,000 hotel discount vouchers in the first year","reward_currency":"InterMiles","base_earn":"4 InterMiles per Rs 150 on retail spends","base_return_pct":null,"accelerated_earn":"8 InterMiles per Rs 150 on flights and hotels booked on the InterMiles site; 2.5X InterMiles on Etihad tickets booked there","reward_caps":"Insurance spends: max 2,000 InterMiles per day","reward_exclusions":"Purchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion","point_value":null,"points_expiry":null,"reward_notes":"InterMiles credited to the InterMiles account cannot be converted to Reward Points. base_return_pct not computed: no rupee value for an InterMile on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter) at select domestic lounges via the Visa or Mastercard lounge programme","lounge_international":null,"lounge_conditions":"Nominal card-validation fee at the lounge","forex_markup_pct":null,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"Up to 20% off dining bills paid via Dineout Pay (max Rs 1,000 per month); 5% off Etihad economy tickets on the InterMiles site; up to 3 add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"No longer issued. When offered: salaried age 21-60 with net monthly income above Rs 35,000; self-employed age 21-65 with ITR above Rs 6 lakh","source_product_page":"https://www.hdfc.bank.in/credit-cards/intermiles-platinum-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Discontinued co-brand. The page states the InterMiles cards are phased out: holders were migrated to other HDFC cards in phases (Jan/Feb 2023, Dec 2023, Nov 2024) and all product features were discontinued from 15 Dec 2024. The benefits listed are historical. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":712,"depth":"partial","slug":"intermiles-hdfc-bank-platinum-credit-card","url":"https://m16s.in/cards/intermiles-hdfc-bank-platinum-credit-card/"},{"issuer":"HDFC Bank","card_name":"InterMiles HDFC Bank Signature Credit Card","cobrand_partner":"InterMiles","networks":["Visa","Mastercard"],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":2500,"annual_fee":2500,"fee_waiver_spend":null,"fee_notes":"Joining/renewal Rs 2,500 + taxes. No spend-based waiver printed on the page.","welcome_benefit":"InterMiles Silver membership for the first year; up to 8,000 bonus InterMiles (3,000 on Rs 6,000 spend within 30 days, 5,000 on Rs 90,000 retail spend); Rs 750 flight and Rs 2,000 hotel discount vouchers in the first year","reward_currency":"InterMiles","base_earn":"6 InterMiles per Rs 150 on retail spends","base_return_pct":null,"accelerated_earn":"12 InterMiles per Rs 150 on flights and hotels booked on the InterMiles site","reward_caps":"Insurance spends: max 2,000 InterMiles per day; grocery 1,000 points a month","reward_exclusions":"Purchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion","point_value":null,"points_expiry":null,"reward_notes":"InterMiles once credited cannot be converted to Reward Points. base_return_pct not computed: no rupee value for an InterMile on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"16 per year (4 per quarter) at select lounges in India via the Visa or Mastercard lounge programme","lounge_international":"Up to 5 free visits a year for the primary cardholder via Priority Pass (complimentary enrolment)","lounge_conditions":"Priority Pass visits inside India, visits beyond the free quota and guest visits cost US$27 + GST each; lounges may levy a nominal card-validation fee","forex_markup_pct":null,"fuel_surcharge_waiver":"1% on txns of Rs 400+, cap Rs 500 per billing cycle","milestone_benefits":null,"other_freebies":"Up to 20% off dining bills paid via Dineout Pay (max Rs 1,000 per month); 10% off Etihad business and 5% off economy tickets on the InterMiles site; up to 3 add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"No longer issued; sourcing stopped (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/intermiles-signature-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Discontinued co-brand. The page states the InterMiles cards are phased out: holders were migrated to other HDFC cards in phases (Jan/Feb 2023, Dec 2023, Nov 2024) and all product features were discontinued from 15 Dec 2024. The benefits listed are historical. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":713,"depth":"full","slug":"intermiles-hdfc-bank-signature-credit-card","url":"https://m16s.in/cards/intermiles-hdfc-bank-signature-credit-card/"},{"issuer":"HDFC Bank","card_name":"JetPrivilege HDFC Bank Titanium Credit Card","cobrand_partner":"InterMiles (formerly JetPrivilege)","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Joining Rs 500 + taxes; renewal Rs 500 + taxes from year 2, waived on Rs 2 lakh annual spend (the waiver line on the page names the Swiggy card, an apparent copy error).","welcome_benefit":null,"reward_currency":"InterMiles","base_earn":"2 InterMiles per Rs 150 on retail spends","base_return_pct":null,"accelerated_earn":"4 InterMiles per Rs 150 on flights and hotels booked on the InterMiles site; 2.5X bonus InterMiles on Etihad tickets booked there","reward_caps":"Insurance spends: max 2,000 InterMiles per day","reward_exclusions":"Purchases below Rs 150, cash advances, fuel, fees, EasyEMI, e-wallet loads; reversed on SmartEMI conversion","point_value":null,"points_expiry":null,"reward_notes":"InterMiles once credited cannot be converted to Reward Points. base_return_pct not computed: no rupee value for an InterMile on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"A 1% convenience fee replaces the 2.5% fuel surcharge (limits not on page)","milestone_benefits":null,"other_freebies":"5% off Etihad economy tickets on the InterMiles site; Rs 250 discount voucher on return flights booked there; up to 3 add-on cards","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"No longer issued; sourcing stopped (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/jetprivilege-titanium-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["fee_waiver_spend"],"date_read":"2026-10-31","notes":"Discontinued co-brand. The page is poorly maintained: the fee-waiver line names another card and the 1.99% monthly interest figure is the rate HDFC prints for its top-tier cards, so both are flagged as uncertain. Existing Mastercard plastics were to be renewed on Visa. The page states the InterMiles cards are phased out: holders were migrated to other HDFC cards in phases (Jan/Feb 2023, Dec 2023, Nov 2024) and all product features were discontinued from 15 Dec 2024. The benefits listed are historical. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":714,"depth":"partial","slug":"jetprivilege-hdfc-bank-titanium-credit-card","url":"https://m16s.in/cards/jetprivilege-hdfc-bank-titanium-credit-card/"},{"issuer":"HDFC Bank","card_name":"Platinum Edge","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":50000,"fee_notes":"Fee amount not printed on the page. Renewal fee waived on Rs 50,000 annual spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 200","base_return_pct":null,"accelerated_earn":"50% more Reward Points at premium restaurants","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"Redeemable for gifts, airmiles or as cashback against the outstanding balance; rates not printed","points_expiry":null,"reward_notes":"base_return_pct not computed: the page gives no point value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"Fuel surcharge waiver up to Rs 250 per month","milestone_benefits":null,"other_freebies":"Up to Rs 1,000 cashback on 200+ brands via PayZapp","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Sourcing stopped; existing cardholders keep the benefits (product page)","source_product_page":"https://www.hdfc.bank.in/credit-cards/platinum-edge-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card, closed to new applicants. The page links to changes effective 15 May 2026 that were not readable. New entry built only from the HDFC product page read 2026-10-12; fields the page does not state are null, and the bank-wide MITC charges (late fee slabs, rent/utility/wallet fees) were not re-read for this card.","id":715,"depth":"partial","slug":"hdfc-platinum-edge","url":"https://m16s.in/cards/hdfc-platinum-edge/"},{"issuer":"HDFC Bank","card_name":"Platinum Plus","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Page says the card carries an annual fee but gives no amount.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"4 RP per Rs 200","base_return_pct":null,"accelerated_earn":"50% more Reward Points per Rs 200 after crossing Rs 50,000 spend in a month","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":null,"points_expiry":null,"reward_notes":"Point value not stated on the page, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Up to 3 free add-on cards; up to 50 interest-free days; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/platinum-plus-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. The 3.49% monthly interest is what this legacy page states; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Fee amount, point value, expiry, forex markup and networks are not on the page. A changes notice effective 15 May 2026 is linked but was not read.","id":716,"depth":"partial","slug":"hdfc-platinum-plus","url":"https://m16s.in/cards/hdfc-platinum-plus/"},{"issuer":"HDFC Bank","card_name":"Solitaire","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Annual fee Rs 500 + GST; next year's fee waived on Rs 50,000 spend within a year. Joining fee not stated separately.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"3 RP per Rs 200","base_return_pct":0.3,"accelerated_earn":"50% more Reward Points on dining and grocery spends","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"100 RP = Rs 20 cashback against the card outstanding (Rs 0.20 per RP)","points_expiry":null,"reward_notes":"Base return = 3 RP/200 x Rs 0.20 = 0.30%, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 1,000 gift voucher on Rs 75,000 spend in 6 months, up to 2 vouchers a year","other_freebies":"Up to 50 interest-free days; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Closed to new applicants. Page title describes it as a women's credit card.","source_product_page":"https://www.hdfc.bank.in/credit-cards/solitaire-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Page gives interest as 3.49%, then 3.6% a month from 1 Sep 2020; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Page FAQ mentions lounge access, golf and insurance without any detail; not recorded. Forex markup, expiry and networks are not on the page.","id":717,"depth":"partial","slug":"hdfc-solitaire","url":"https://m16s.in/cards/hdfc-solitaire/"},{"issuer":"HDFC Bank","card_name":"Superia","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":1000,"fee_waiver_spend":75000,"fee_notes":"Renewal fee Rs 1,000 + taxes, waived on Rs 75,000 annual spend; first-year fee waived on Rs 15,000 spend within 90 days (joining fee amount not stated).","welcome_benefit":"1,000 RP welcome benefit; 1,000 RP renewal benefit every year","reward_currency":"Reward Points","base_earn":"3 RP per Rs 200","base_return_pct":null,"accelerated_earn":"50% more Reward Points on dining at select premium restaurants","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"1 RP = 0.7 AirMiles; catalogue at the applicable redemption rate (rupee value not stated)","points_expiry":"2 years","reward_notes":"No rupee value per point on the page, so base return not computed.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"1 RP = 0.7 AirMiles; page names KrisFlyer and vouchers for domestic airlines","lounge_domestic":null,"lounge_international":"Complimentary Priority Pass membership (number of free visits not stated)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400 and above, cap Rs 500 per cycle","milestone_benefits":null,"other_freebies":"Up to 50 interest-free days; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/superia-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy airline-rewards card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. The 3.49% monthly interest is what this legacy page states; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Forex markup and networks are not on the page.","id":718,"depth":"partial","slug":"hdfc-superia","url":"https://m16s.in/cards/hdfc-superia/"},{"issuer":"HDFC Bank","card_name":"Teachers Platinum","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Annual/renewal fee Rs 500 + taxes; waived for the following year on Rs 50,000 annual spend (from 15 Feb 2019). Joining fee not stated separately.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Page says only 'Up to 3X Reward Points on spends of Rs 200'; the base rate is not stated","base_return_pct":null,"accelerated_earn":null,"reward_caps":"3X Reward Points capped at 2,400 RP a year","reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":null,"points_expiry":null,"reward_notes":"Earn rate and point value are not stated clearly on the page, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per cycle","milestone_benefits":"500 Reward Points on Teacher's Day (5 September) every year","other_freebies":"Up to 3 lifetime-free add-on cards; up to 50 interest-free days; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Closed to new applicants; designed for teachers","source_product_page":"https://www.hdfc.bank.in/credit-cards/teachers-platinum-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Page gives interest as 3.49%, then 3.6% a month from 1 Sep 2020; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Forex markup, point value, expiry and networks are not on the page.","id":719,"depth":"partial","slug":"hdfc-teachers-platinum","url":"https://m16s.in/cards/hdfc-teachers-platinum/"},{"issuer":"HDFC Bank","card_name":"Titanium Edge","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":50000,"fee_notes":"Fee amount not stated on the page; renewal fee waived on Rs 50,000 spend within a year.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 200","base_return_pct":0.1,"accelerated_earn":"50% more Reward Points on dining spends","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"100 RP = Rs 10 cashback against the card outstanding (Rs 0.10 per RP)","points_expiry":null,"reward_notes":"Base return = 2 RP/200 x Rs 0.10 = 0.10%, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"Page says '100% fuel surcharge waiver', max Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":"Up to 50 interest-free days; Rs 1,000 PayZapp cashback offer","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/titanium-edge-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. The 3.49% monthly interest is what this legacy page states; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Fee amount, forex markup, expiry and networks are not on the page.","id":720,"depth":"partial","slug":"hdfc-titanium-edge","url":"https://m16s.in/cards/hdfc-titanium-edge/"},{"issuer":"HDFC Bank","card_name":"Visa Signature","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":75000,"fee_notes":"Fee amount not stated on the page; first-year fee waived on Rs 15,000 spend within the first 90 days; renewal fee waived on Rs 75,000 spend in a year.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 200","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":null,"points_expiry":null,"reward_notes":"Point value not stated on the page, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"Priority Pass lounge membership (page values it at USD 99, about Rs 8,300 a year; number of free visits not stated)","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"Page mentions savings on fuel costs without stating the waiver terms","milestone_benefits":null,"other_freebies":"Up to 3 free add-on cards; up to 50 interest-free days","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/visa-signature-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Network taken from the card name. The 3.49% monthly interest is what this legacy page states; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Fee amount, point value, expiry and forex markup are not on the page.","id":721,"depth":"partial","slug":"hdfc-visa-signature","url":"https://m16s.in/cards/hdfc-visa-signature/"},{"issuer":"HDFC Bank","card_name":"World MasterCard","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":75000,"fee_notes":"Fee amount not stated on the page; first-year fee waived on Rs 15,000 spend within the first 90 days; renewal fee waived on Rs 75,000 spend in a year.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 200","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":null,"points_expiry":null,"reward_notes":"Point value not stated on the page, so base return not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"Complimentary Priority Pass with access to 600+ airport lounges worldwide (number of free visits not stated)","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"Page mentions savings on fuel costs without stating the waiver terms","milestone_benefits":null,"other_freebies":"Up to 3 free add-on cards; up to 50 interest-free days","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":"2.5% of amount, min Rs 500","eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/credit-cards/world-mastercard-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy card: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Network taken from the card name. The 3.49% monthly interest is what this legacy page states; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Fee amount, point value, expiry and forex markup are not on the page.","id":722,"depth":"partial","slug":"hdfc-world-mastercard","url":"https://m16s.in/cards/hdfc-world-mastercard/"},{"issuer":"HDFC Bank","card_name":"Best Price Save Max HDFC Bank Credit Card","cobrand_partner":"Best Price","networks":[],"segment":"mid","card_type":["business","cobrand","rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":75000,"fee_notes":"Joining/renewal fee Rs 1,000 + taxes (page prints it as 'Rs 1.000'); first-year fee waived on Rs 30,000 spend in the first 90 days; renewal fee waived on Rs 75,000 spend in 12 months.","welcome_benefit":"800 Reward Points on 4 or more Best Price purchases within the first 90 days (min cart Rs 150)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 150 on other retail spends","base_return_pct":0.4,"accelerated_earn":"6 RP per Rs 150 on Best Price spends; 4 RP per Rs 150 on IRCTC, utility and dining spends","reward_caps":null,"reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"1 RP = Rs 0.30","points_expiry":null,"reward_notes":"Base return = 2 RP/150 x Rs 0.30 = 0.40%, both stated on the issuer page. Best Price spends return 1.2%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Up to 8 complimentary lounge visits per calendar year across 700+ lounges worldwide (page does not split domestic and international)","lounge_international":"Included in the same 8 visits per calendar year","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"3,300 Reward Points on Rs 1.5 lakh spend in a calendar quarter","other_freebies":"Air accident cover Rs 50 lakh; overseas hospitalisation up to Rs 10 lakh; flight delay cover up to Rs 25,000; missed connecting flight cover up to Rs 25,000; up to 20% off dining via Dineout Pay; SmartPay cashback up to Rs 1,800 in the first year","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Closed to new applicants","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/best-price-save-max-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy business co-brand with Best Price wholesale stores: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Forex markup, fuel waiver, expiry, interest and networks are not on the page.","id":723,"depth":"partial","slug":"best-price-save-max-hdfc-bank-credit-card","url":"https://m16s.in/cards/best-price-save-max-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"Best Price Save Smart HDFC Bank Credit Card","cobrand_partner":"Best Price","networks":[],"segment":"entry","card_type":["business","cobrand","cashback"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Joining/renewal fee Rs 500 + taxes; first-year fee waived on Rs 20,000 spend in the first 90 days; renewal fee waived on Rs 50,000 annual spend.","welcome_benefit":"Rs 150 cashback on 4 or more purchases within the first 90 days (min cart Rs 150)","reward_currency":"Cashback","base_earn":"0.5% cashback on retail purchases (per Rs 150 spent)","base_return_pct":0.5,"accelerated_earn":"1% cashback on Best Price spends up to Rs 10,000 per month","reward_caps":"1% Best Price tier applies up to Rs 10,000 per month (page wording does not say whether this limits spend or cashback)","reward_exclusions":"No Reward Points or CashPoints on rent, from 1 Jan 2023 (MITC)","point_value":"Cashback at face value","points_expiry":null,"reward_notes":"Base return = 0.5% cashback as stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns of Rs 400 and above, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 cashback on Rs 75,000 spend in a calendar quarter. Launch offer (customers sourced till 31 Mar 2020, first year only): Rs 500 cashback on Rs 25,000 monthly spend and Rs 250 on Rs 10,000 monthly dining, utility or IRCTC spend.","other_freebies":"20% off dining via Dineout Pay (max Rs 1,000 per transaction and per month); up to 50 interest-free days; EasyEMI offers on furniture and electronics brands","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Closed to new applicants; designed for Best Price members","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/best-price-save-smart-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Legacy business co-brand with Best Price wholesale stores: 'Sourcing of this Credit Card has been stopped.' All fields from the HDFC product page read 2026-10-12. Page FAQ quotes a maximum interest rate of 3.6% a month; the bank's current MITC rate recorded on other entries is 3.75%, so treat it as possibly stale. Forex markup and networks are not on the page.","id":724,"depth":"partial","slug":"best-price-save-smart-hdfc-bank-credit-card","url":"https://m16s.in/cards/best-price-save-smart-hdfc-bank-credit-card/"},{"issuer":"HDFC Bank","card_name":"CSC Small Business MoneyBack","cobrand_partner":"CSC","networks":[],"segment":"entry","card_type":["business","cobrand","rewards"],"status":"closed-to-new","joining_fee":250,"annual_fee":250,"fee_waiver_spend":25000,"fee_notes":"Joining/renewal fee Rs 250 + taxes; renewal fee waived on Rs 25,000 spend in 12 months.","welcome_benefit":"Zomato Gold membership on Rs 75,000 spend within the first 3 months (page FAQ, for new customers from 1 Sep 2019; may be outdated)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 200 on other spends except fuel (page headline; FAQ says per Rs 150)","base_return_pct":0.2,"accelerated_earn":"4 RP per Rs 200 on online spends; 5X Reward Points on fuel; 5% cashback on business essentials (telecom, electricity, government/tax, railway, hotels and dining, taxi)","reward_caps":"Fuel 5X capped at 1,000 points a month; 5% cashback capped at Rs 250 per statement and needs Rs 10,000 monthly spend; grocery 1,000 RP/month; UPI on RuPay 500 RP per calendar month; insurance 2,000 RP per transaction; travel redemption 50,000 RP/month; max 5 redemptions per calendar month from 1 Feb 2026","reward_exclusions":"Rent and education earn no points; transactions under Rs 200 earn none; points reversed on SmartEMI conversion","point_value":"100 RP = up to Rs 20 cashback against statement (Rs 0.20 per RP)","points_expiry":"2 years","reward_notes":"Base return = 2 RP/200 x Rs 0.20 = 0.20%, both stated on the issuer page (0.27% if the FAQ's per-Rs-150 rate applies). Redemption fee Rs 99 per request; minimum 2,500 RP for statement redemption.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% on txns of Rs 400 and above, cap Rs 250 per statement cycle","milestone_benefits":"1,000 bonus Reward Points on Rs 90,000 annual spend","other_freebies":"Swiggy Dineout discount (page says flat 10% extra in one place, up to 20% in another); up to 50 interest-free days; EasyEMI offers","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Closed to new applicants. Page still lists: self-employed, Indian, age 21-65, annual ITR above Rs 6 lakh.","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/csc-small-business-moneyback-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn","base_return_pct"],"date_read":"2026-10-31","notes":"Legacy business card: 'The sourcing of this card has been discontinued.' All fields from the HDFC product page read 2026-10-12. The page gives the earn rate per Rs 200 in its headline and per Rs 150 in its FAQ. Page does not expand 'CSC'. Forex markup, interest and networks (Visa/Mastercard and RuPay are mentioned in passing) are not stated. A changes notice effective 15 May 2026 is linked but was not read.","id":725,"depth":"partial","slug":"hdfc-csc-small-business-moneyback","url":"https://m16s.in/cards/hdfc-csc-small-business-moneyback/"},{"issuer":"HDFC Bank","card_name":"Micro Enterprise","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Page fee row reads 'Joining / Renewal Fee: No Joining fee'; a renewal fee amount is not stated.","welcome_benefit":"Rs 250 gift voucher on the first transaction within 37 days","reward_currency":"CashPoints","base_earn":"2 CashPoints per Rs 200 on other spends (rent, wallet, education, EMI excluded)","base_return_pct":0.2,"accelerated_earn":"2X CashPoints on fuel and bill payments after Rs 10,000 spend in the billing cycle","reward_caps":"Base earn capped at 5,000 CashPoints per billing cycle; 2X tier capped at 500 CashPoints per cycle","reward_exclusions":"Rent, wallet, education, EMI","point_value":"1 CashPoint = Rs 0.20","points_expiry":null,"reward_notes":"Base return = 2 CP/200 x Rs 0.20 = 0.20%, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on txns Rs 400-5,000, cap Rs 250 per statement cycle (MITC)","milestone_benefits":null,"other_freebies":"Up to 55 interest-free days; access to business insurance","interest_rate_monthly_pct":1.5,"late_payment_fee":null,"cash_advance_fee":"Cash withdrawal not allowed","eligibility":"Self-employed Indian citizen, age 21-65, ITR above Rs 6 lakh; apply with ITR, GST returns or Udyam registration number","source_product_page":"https://www.hdfc.bank.in/business-credit-cards/micro-enterprise-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"All fields from the HDFC product page read 2026-10-12. Low interest rate of 1.5% a month (APR 18%) is the headline feature. The page carries no discontinuation notice, so status is recorded as open. Renewal fee, forex markup, expiry and networks are not on the page.","id":726,"depth":"partial","slug":"hdfc-micro-enterprise","url":"https://m16s.in/cards/hdfc-micro-enterprise/"},{"issuer":"HSBC","card_name":"Premier Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":12000,"annual_fee":20000,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 12,000, charged after activation. Annual renewal fee Rs 20,000, waived for customers who hold a qualifying HSBC Premier relationship in India. No spend-based waiver stated.","welcome_benefit":"20,000 reward points once the card is in use (introductory offer T&Cs apply)","reward_currency":"HSBC Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":3.0,"accelerated_earn":"Up to 12X points on hotels, flights and car rentals booked through HSBC Travel with Points","reward_caps":"Issuer pages state no cap. Aggregator: utilities, tax, real estate, jewellery, money transfer, insurance, e-wallets, education/government and bail payments earn 3 RP per Rs 100 only up to Rs 1,00,000 of spend a month; accelerated points on the HSBC rewards/travel portal capped at 18,000 a month.","reward_exclusions":"No points on Instant EMI transactions (issuer rewards page) or on fuel transactions that get the surcharge waiver (issuer fuel page). Aggregator: fuel and EMIs excluded. Full MCC list is in the rewards T&C PDF, which is blocked.","point_value":"1 RP = Rs 1 when redeemed at Apple; 1 RP = 1 air mile or hotel point on conversion","points_expiry":"No expiry","reward_notes":"base_return_pct = 3 RP per Rs 100 x Rs 1 (Apple redemption on issuer page) = 3%. At 1:1 to most airline and hotel partners this is 3 miles per Rs 100. Caps in reward_caps are from an aggregator; the issuer's rewards T&C PDF could not be read.","transfer_partners":["Air India Maharaja Club","AirAsia rewards","Air France-KLM Flying Blue","British Airways Club (Avios)","Etihad Guest","EVA Air Infinity MileageLands","Hainan Airlines Fortune Wings Club","Japan Airlines JAL Mileage Bank","Singapore Airlines KrisFlyer","Qantas Frequent Flyer","Qatar Airways Privilege Club","Thai Airways Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Accor ALL","IHG One Rewards","Marriott Bonvoy","Shangri-La Circle","Wyndham Rewards"],"transfer_ratio":"1 RP : 1 mile/point for Air India, Flying Blue, British Airways, Etihad, EVA Air, JAL, KrisFlyer, Qantas, Qatar, Thai, Vietnam Airlines, Accor, IHG, Marriott and Wyndham. 1 RP : 3 AirAsia points. 2 RP : 1 for Hainan, Turkish and United. 5 RP : 1 Shangri-La point. Mostly instant or within 1 working day; Air India and Hainan 5 working days, JAL 10. Minimum transfer sizes are not listed. Accor points have a fixed value of 2,000 points = EUR 40.","lounge_domestic":"Unlimited for cardholder","lounge_international":"Unlimited for cardholder; 8 international guest visits","lounge_conditions":"Lounge list and add-on rules are in a footnote/T&C not read","forex_markup_pct":0.99,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-4,000; no monthly cap stated for Premier (issuer fuel page). GST not reversed.","milestone_benefits":null,"other_freebies":"EazyDiner 30% off up to Rs 1,500; buy-one-get-one movie tickets (District by Zomato, BookMyShow Saturdays); Mastercard hotel programmes and One Night Free; Agoda up to 20% off; Avis Preferred; international travel insurance; lost card liability cover up to Rs 3 lakh; golf privileges (aggregator: up to 24 complimentary golf lessons as a Premier benefit)","interest_rate_monthly_pct":2.99,"late_payment_fee":"50% of the minimum payment due, minimum Rs 400, maximum Rs 750 per month (HSBC Premier fees page)","cash_advance_fee":"2.5% min Rs 300","eligibility":"HSBC Premier customers only. Premier needs one of: Rs 50 lakh average quarterly Total Relationship Balance; salary account with Rs 3 lakh net monthly credit; or a Rs 1.15 crore mortgage plus the Rs 50 lakh balance within 12 months (from 1 Jan 2026).","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/premier/","source_mitc_or_tnc":"https://www.hsbc.bank.in/premier/fees-and-charges/","source_other":["https://www.hsbc.bank.in/credit-cards/","https://www.hsbc.bank.in/credit-cards/products/premier/rewards/","https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-premier-mastercard-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["interest_rate_monthly_pct","reward_caps","reward_exclusions","other_freebies"],"date_read":"2026-10-11","notes":"Product page, Premier rewards page, HSBC's fuel surcharge page and the Premier fees-and-charges page were read. Late fee, cash advance fee (2.5%, min Rs 300), overlimit fee (Rs 500 a month) and the 0.99% forex charge are from the Premier fees page. The Premier tariff/MITC PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/premier_cc_tariff_mitc.pdf) is blocked to automated readers, so the interest rate (2.99% a month, Card Insider, 18 Sep 2026) is unverified. Conflict: Paisabazaar quotes a general HSBC late fee of 100% of minimum due (Rs 250-1,200); the issuer's Premier figure is recorded.","id":216,"depth":"full","slug":"hsbc-premier-credit-card","url":"https://m16s.in/cards/hsbc-premier-credit-card/"},{"issuer":"HSBC","card_name":"TravelOne Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["travel","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":800000,"fee_notes":"Rs 4,999 joining and annual. Annual fee waived on spend above Rs 8 lakh a year. Aggregator: from 31 Jul 2026 add-on card spend counts, the anniversary year applies and GST is reversed with the waiver.","welcome_benefit":"On Rs 25,000 spend within 30 days plus mobile app login: Rs 1,000 cashback, Rs 3,000 Postcard Hotels voucher, 3 months EazyDiner Prime. Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026).","reward_currency":"HSBC Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":null,"accelerated_earn":"4 RP per Rs 100 on flights, travel aggregators and foreign-currency transactions","reward_caps":"Issuer: the 2 RP base earn is uncapped; add-on card rewards are capped (figure not stated). Aggregator gives two figures for the accelerated cap without reconciling them: 50,000 points a month on travel and foreign-currency spend, and 18,000 a month on the HSBC travel portal.","reward_exclusions":"No points on Instant EMI transactions (issuer). Aggregator: no points on fuel, e-wallets, utilities, insurance, jewellery, education and government, tax, money transfers, real estate agents, financial and non-financial institutions, bail and bond payments.","point_value":"1 RP = 1 air mile on conversion (issuer page). Rupee value for other redemptions not stated.","points_expiry":"3 years, counted from the end of the calendar month in which earned; oldest points used first","reward_notes":"Base return not computed: the issuer gives no rupee value per point. At 1 RP = 1 mile the base is 2 miles per Rs 100 and 4 miles per Rs 100 on travel and forex spend.","transfer_partners":["Air India Maharaja Club","AirAsia rewards","Air France-KLM Flying Blue","British Airways Club (Avios)","Etihad Guest","EVA Air Infinity MileageLands","Hainan Airlines Fortune Wings Club","Japan Airlines JAL Mileage Bank","Singapore Airlines KrisFlyer","Qantas Frequent Flyer","Qatar Airways Privilege Club","Thai Airways Royal Orchid Plus","Turkish Airlines Miles&Smiles","United MileagePlus","Vietnam Airlines Lotusmiles","Accor ALL","IHG One Rewards","Marriott Bonvoy","Shangri-La Circle","Wyndham Rewards"],"transfer_ratio":"1 RP : 1 mile/point for Air India, Flying Blue, British Airways, Etihad, EVA Air, JAL, KrisFlyer, Qantas, Qatar, Thai, Vietnam Airlines, Accor, IHG, Marriott and Wyndham. 1 RP : 3 AirAsia points. 2 RP : 1 for Hainan, Turkish and United. 5 RP : 1 Shangri-La point. Mostly instant or within 1 working day; Air India and Hainan 5 working days, JAL 10. Minimum transfer sizes are not listed.","lounge_domestic":"6 per year","lounge_international":"4 per year","lounge_conditions":"No spend condition stated on the product page. Aggregator: international access is via LoungeKey.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Conflict: an aggregator says a waiver of up to Rs 250 a month, but HSBC's fuel surcharge waiver page lists only Premier, Visa Platinum and RuPay Platinum as eligible","milestone_benefits":"10,000 bonus RP when annual spend exceeds Rs 12 lakh","other_freebies":"Golf: 4 complimentary rounds and 12 lessons per calendar year (max 1 a month), 50% off extra rounds. Purchase protection up to US$20,000 a year. 15% off at Yatra, EaseMyTrip, Paytm Travel, Cleartrip, Goibibo; 11% off StayVista; EazyDiner 10% off; AdaniOne duty-free up to 20% off; buy-one-get-one movie tickets twice a month. Aggregator: 4 chauffeur airport transfers added for 2026.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/travelone/","source_mitc_or_tnc":null,"source_other":["https://cardadvisor.in/changes/2026-W31","https://www.hsbc.bank.in/credit-cards/products/travelone/rewards/","https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-travelone-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","lounge_conditions","fee_notes"],"date_read":"2026-10-31","notes":"Product page and the TravelOne rewards page were read; the 20-partner list and ratios are the issuer's. Points expiry and a rupee value per point are not stated on either page. The 3.5% forex markup sits oddly with the 4 RP earn on foreign-currency spend; it is from Card Insider (17 Jul 2026), not HSBC. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.","id":217,"depth":"full","slug":"hsbc-travelone-credit-card","url":"https://m16s.in/cards/hsbc-travelone-credit-card/"},{"issuer":"HSBC","card_name":"Live+ Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback","shopping"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Rs 999 joining and annual; annual fee waived on spend above Rs 2 lakh a year","welcome_benefit":"Rs 1,000 cashback on app login plus Rs 25,000 spend in 30 days; Rs 750 voucher (Amazon Pay / Zomato / Swiggy) on a first transaction of Rs 300+; 10% cashback on Myntra to 31 Oct 2026; Rs 250 Amazon voucher for online application with video KYC","reward_currency":"Cashback","base_earn":"1.5% cashback on other eligible spend","base_return_pct":1.5,"accelerated_earn":"10% cashback on dining, food delivery, groceries, shopping and utilities","reward_caps":"10% cashback capped at Rs 1,200 per month; 1.5% is uncapped","reward_exclusions":"Issuer: fuel earns 0%; the 1.5% has an exclusion list not reproduced on the page. Aggregator list: fuel, wallet loads, rent, business transactions, education, government, insurance, jewellery, gambling, tolls, cash and card repayments, forex/crypto, stock brokers, money transfers, charity, wholesale clubs, hospitals, local bus and metro, and international spends. Aggregator: Amazon, Flipkart and Myntra earn 1.5%, not 10%.","point_value":"Cashback, Rs 1 = Rs 1","points_expiry":null,"reward_notes":"base_return_pct is the stated 1.5% on non-accelerated eligible spend. The Rs 1,200 cap is reached at Rs 12,000 of accelerated spend a month. Aggregator: on 26 Jul 2026 the 10% categories were widened and the cap raised, while base-cashback exclusions were added.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per year","lounge_international":"1 per year","lounge_conditions":"Conditions sit in a footnote not reproduced on the page. Aggregator: domestic visits are one per six months; international visit via the Visa Airport Companion programme; domestic visits were halved on 26 Jul 2026.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"None. HSBC's fuel surcharge waiver page says Live+ is not eligible. Separate offer: Rs 250 cashback on Rs 10,000 of contactless fuel spend per quarter.","milestone_benefits":null,"other_freebies":"District by Zomato and BookMyShow offers; Rs 200 off at Starbucks; 'Live+ Reserve' offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/live-plus/","source_mitc_or_tnc":null,"source_other":["https://cardadvisor.in/changes/2026-W31","https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-live-plus-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["reward_exclusions","lounge_conditions","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"Product page and HSBC's fuel surcharge page were read; the page describes Visa Infinite benefits after the July 2026 upgrade. The Live+ MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/visa-cashback/terms-and-condition.pdf) is blocked to automated readers, so the MCC-level exclusion list is from Card Insider (29 Jul 2026). HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.","id":218,"depth":"full","slug":"hsbc-live-credit-card","url":"https://m16s.in/cards/hsbc-live-credit-card/"},{"issuer":"HSBC","card_name":"Taj Credit Card","cobrand_partner":"Taj (IHCL)","networks":["Visa"],"segment":"super-premium","card_type":["cobrand","travel","rewards"],"status":"open","joining_fee":110000,"annual_fee":110000,"fee_waiver_spend":null,"fee_notes":"Rs 1,10,000 joining fee after activation and Rs 1,10,000 each year after 12 months. No waiver stated.","welcome_benefit":"On activation: two nights' breakfast-inclusive stays at Taj hotels across India and one night at Taj Palaces. Voucher for one extra Taj Palaces night, valid 6 months, on new or renewed cards (to 31 Dec 2026).","reward_currency":"HSBC Taj Credit Card points (wallet)","base_earn":"1.5 points per Rs 100","base_return_pct":1.0,"accelerated_earn":"5 points per Rs 100 at Taj, SeleQtions, Gateway, Vivanta and ama Stays & Trails. Partner offers: 50 points per Rs 100 at Dyson; 6X-14X on Apple via Unicorn.","reward_caps":"No spending cap stated","reward_exclusions":"No points on fuel (MCC 5541, 5983, 5172, 5542, 5552), e-wallets (6540), rent (6513), education and government incl. tax (9399, 8299, 8220, 8211, 8241, 9311, 8244, 8249, 9222, 9223, 9402, 9211, 9405), insurance (6300, 5960), jewellery and antiques (5944, 5094), money transfers (4829), forex/crypto/quasi-cash (6011, 6010, 6012, 6051), wholesale clubs (5300), utilities (4900), cash withdrawals, credit repayments","point_value":"1.5 points = Rs 1 in the HSBC Taj Credit Card Wallet","points_expiry":null,"reward_notes":"base_return_pct = 1.5 points per Rs 100 at 1.5 points = Rs 1, i.e. 1%. Taj group spend returns 3.33%. The value of this card is in the stay vouchers and Taj InnerCircle Platinum tier, not the earn rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited","lounge_international":"Unlimited globally","lounge_conditions":"Guest rules are in the airport lounge T&C PDF, not read","forex_markup_pct":0.0,"fuel_surcharge_waiver":"Aggregator: waiver on fuel transactions of Rs 400-4,000. HSBC's fuel surcharge waiver page does not list the Taj card among eligible cards.","milestone_benefits":null,"other_freebies":"NeuPass Taj InnerCircle Platinum tier; 25% off Best Available Rate at Taj and participating IHCL hotels; unlimited room upgrades; The Chambers Lounge up to 12 visits a year with a guest; Taj Club Lounge 12 visits; 4 set-meal-for-two vouchers; 25% off food, beverages and Qmin; up to 4 spa treatments a year; pool access for two 12 times a year; 12 golf games and lessons a year; 4 domestic and 4 international chauffeur airport transfers a year; AdaniOne duty-free 15% off; BookMyShow buy-one-get-one twice a month","interest_rate_monthly_pct":3.75,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":"2.5% min Rs 300","eligibility":"Age 25-75. Income Rs 36 lakh+ a year salaried or Rs 45 lakh+ self-employed. Indian resident (or NRI with an existing HSBC India account) in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/taj/","source_mitc_or_tnc":null,"source_other":["https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-taj-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["transfer_partners","points_expiry","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"Only the product page was read from HSBC. The Taj card MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/taj/hsbc-taj-important-terms-and-conditions.pdf) is blocked to automated readers. Zero forex markup is from Card Insider (17 Jul 2026) and is not on the product page as read. Visa Infinite card. Whether wallet points convert to NeuCoins or to air miles was not found. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.","id":219,"depth":"full","slug":"hsbc-taj-credit-card","url":"https://m16s.in/cards/hsbc-taj-credit-card/"},{"issuer":"HSBC","card_name":"Visa Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining fee and no annual fee","welcome_benefit":"2,000 reward points on app login plus Rs 5,000 spend in 30 days; 2 months EazyDiner membership; voucher up to Rs 500 on a first transaction of Rs 300+; Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026)","reward_currency":"HSBC Reward Points","base_earn":"2 RP per Rs 150","base_return_pct":null,"accelerated_earn":"Up to 6X points on hotels, flights and car rentals via HSBC Travel with Points","reward_caps":null,"reward_exclusions":"Issuer fuel page: no points on fuel transactions. Aggregator: no points on utilities, tax, real estate, non-financial and financial institutions, money transfers, jewellery, insurance, fuel, e-wallet loads, bail and bond payments, education and government.","point_value":null,"points_expiry":"3 years, counted from the end of the calendar month in which earned; oldest points used first","reward_notes":"Base return not computed: no rupee value per point was found. On the aggregator's 2 RP : 1 mile ratio the base is about 0.67 miles per Rs 100.","transfer_partners":["Air India","Etihad Airways","British Airways","Singapore Airlines"],"transfer_ratio":"2 RP : 1 mile/point for Air India, Flying Blue, British Airways, Etihad, EVA Air, JAL, KrisFlyer, Qantas, Qatar, Thai, Vietnam Airlines, Accor, IHG, Marriott and Wyndham. 1 RP : 2 AirAsia points. 3 RP : 1 United. 4 RP : 1 for Hainan and Turkish. 10 RP : 1 Shangri-La point.","lounge_domestic":"None (aggregator)","lounge_international":"None (aggregator)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-4,000, capped at Rs 250 a month (issuer fuel page). Plus Rs 250 cashback on Rs 10,000 of contactless fuel spend per quarter.","milestone_benefits":null,"other_freebies":"Times Prime 12-month subscription; MakeMyTrip seat selection twice a year and 15% hotel cashback (Visa Signature offers); District by Zomato; lost card liability cover up to Rs 3 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/visa-platinum/","source_mitc_or_tnc":null,"source_other":["https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-visa-platinum-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","point_value","forex_markup_pct","lounge_domestic","lounge_international","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-31","notes":"Product page and HSBC's fuel surcharge page were read. The Platinum MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/platinum_mostimp_tnc.pdf) is blocked to automated readers. The page lists Visa Signature perks even though the card is named Platinum. Transfer ratios, forex and lounge are from Card Insider (17 Jul 2026); the issuer page names only four airline partners for this card. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.","id":220,"depth":"full","slug":"hsbc-visa-platinum-credit-card","url":"https://m16s.in/cards/hsbc-visa-platinum-credit-card/"},{"issuer":"HSBC","card_name":"RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining fee and no annual fee","welcome_benefit":"Rs 500 cashback on app login plus Rs 5,000 spend in 30 days; 2 months EazyDiner membership; Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026)","reward_currency":"HSBC Reward Points","base_earn":"2 RP per Rs 150","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Issuer fuel page: no points on fuel transactions. Full exclusion list not read.","point_value":null,"points_expiry":null,"reward_notes":"Page says points are earned on card-linked UPI payments but gives no UPI-specific rate or cap. Base return not computed: no point value stated.","transfer_partners":null,"transfer_ratio":"Page says points convert to air miles and hotel loyalty points in the HSBC India app; partners and ratios not stated","lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-4,000, capped at Rs 250 a month, i.e. up to Rs 3,000 a year (issuer fuel page)","milestone_benefits":null,"other_freebies":"District by Zomato offers; RuPay and JCB network offers; usable abroad via JCB in about 160 countries","interest_rate_monthly_pct":null,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":null,"eligibility":"Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/rupay-platinum-credit-card/","source_mitc_or_tnc":null,"source_other":["https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["transfer_partners","transfer_ratio","reward_caps","reward_exclusions","point_value","points_expiry","forex_markup_pct","lounge_domestic","lounge_international","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"Product page and HSBC's fuel surcharge page were read; the RuPay Platinum MITC (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/rupay-platinum/hsbc-rupay-most-important-tncs.pdf) is blocked to automated readers. Interest, cash advance fee and forex stay null: the Card Insider page for this card could not be fetched (fetch budget ran out) and Paisabazaar's general 'up to 3.49% a month' and '3.5% forex' figures conflict with other sources. Can be linked to UPI apps.","id":221,"depth":"partial","slug":"hsbc-rupay-platinum-credit-card","url":"https://m16s.in/cards/hsbc-rupay-platinum-credit-card/"},{"issuer":"HSBC","card_name":"RuPay Cashback Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":200000,"fee_notes":"Rs 499 joining and annual; annual fee waived on spend above Rs 2 lakh a year","welcome_benefit":"Rs 500 cashback on app login plus Rs 10,000 spend in 30 days; 2 months EazyDiner membership; Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026)","reward_currency":"Cashback","base_earn":"1% cashback on other eligible spend","base_return_pct":1.0,"accelerated_earn":"10% cashback on dining, food delivery and grocery","reward_caps":"Issuer page: 'earn up to Rs 400 on your spending every month', scope unclear. Aggregator: Rs 400 per statement cycle on the 10% categories and a separate Rs 400 per cycle on the 1% (which includes UPI).","reward_exclusions":"Issuer page references an exclusion list without reproducing it. Aggregator: fuel, e-wallets, rent and property management, B2B, education, government, insurance, jewellery and antiques, gambling, tolls, financial and non-financial institutions, security brokers, collection agencies, charity, money transfers, wholesale clubs.","point_value":"Cashback, Rs 1 = Rs 1","points_expiry":null,"reward_notes":"base_return_pct is the stated 1% on non-accelerated eligible spend. Aggregator says the 1% also applies to UPI spend and is capped at Rs 400 a cycle, i.e. on Rs 40,000 of spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Up to 2 per quarter","lounge_international":"2 per year","lounge_conditions":"Lounge list in a footnote not reproduced; no spend condition stated on the page","forex_markup_pct":0.0,"fuel_surcharge_waiver":"None. HSBC's fuel surcharge waiver page does not list this card as eligible; aggregator shows N/A.","milestone_benefits":null,"other_freebies":"UPI linking via HSBC SimplyPay or other UPI apps; usable abroad via JCB in about 160 countries","interest_rate_monthly_pct":3.75,"late_payment_fee":"Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.","source_product_page":"https://www.hsbc.bank.in/credit-cards/products/rupay-cashback-credit-card/","source_mitc_or_tnc":null,"source_other":["https://www.hsbc.bank.in/credit-cards/fuel-surcharge-waiver/","https://cardinsider.com/hsbc-bank/hsbc-rupay-cashback-credit-card/","https://www.paisabazaar.com/hsbc-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"The 0% forex markup is a promotional rate; the product page read on 11 Oct 2026 gives 31 Dec 2026 as the end date, while Card Insider (19 Aug 2026) still shows 31 Aug 2026. The standard markup after that was not found. HSBC's RuPay Cashback MITC PDF is blocked to automated readers (robots.txt). HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.","id":222,"depth":"full","slug":"hsbc-rupay-cashback-credit-card","url":"https://m16s.in/cards/hsbc-rupay-cashback-credit-card/"},{"issuer":"HSBC","card_name":"Privé Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["travel"],"status":"invite-only","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fees not published in any source read","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"No reward structure is documented in the sources read, so base return is not computed.","transfer_partners":null,"transfer_ratio":null,"lounge_domestic":"Complimentary lounge access worldwide (aggregator; counts and guest rules not stated)","lounge_international":"Complimentary lounge access worldwide (aggregator; counts and guest rules not stated)","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Aggregator list: golf access in Asia Pacific; access to private clubs at 150+ locations; complimentary first or business class companion ticket on selected airlines; travel insurance; Michelin-star restaurant access; wellness sessions; visa-at-doorstep assistance; dedicated contact centre","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"By invitation only, for HSBC Global Private Banking clients in India with investable assets above USD 2 million","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://www.paisabazaar.com/hsbc-bank/hsbc-prive-credit-card/","https://www.privatebankerinternational.com/news/hsbc-india-launches-credit-card-for-global-private-banking/"],"source_quality":"aggregator","unverified_fields":["networks","segment","card_type","status","lounge_domestic","lounge_international","forex_markup_pct","other_freebies","eligibility","transfer_partners"],"date_read":"2026-10-11","notes":"Not on HSBC India's public credit card listing or compare page, which show seven cards; no issuer page was found. Launch in India reported by Private Banker International on 9 Dec 2024. Every field here is from Paisabazaar or trade press and is unverified. Fees, rewards, interest and penalty charges are not published.","id":223,"depth":"fees-only","slug":"hsbc-priv-credit-card","url":"https://m16s.in/cards/hsbc-priv-credit-card/"},{"issuer":"ICICI Bank","card_name":"Emeralde Private Metal","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":12499,"annual_fee":12499,"fee_waiver_spend":1000000,"fee_notes":"Add-on card Rs 3,500 one-time from 15 Jan 2026. Card replacement Rs 3,500. No late payment, cash advance or over-limit fee.","welcome_benefit":"12,500 reward points, Taj Epicure Plus membership, EazyDiner Prime membership (on joining fee payment; confirmation within 45 business days)","reward_currency":"ICICI Bank Reward Points","base_earn":"6 RP per Rs 200","base_return_pct":3.0,"accelerated_earn":null,"reward_caps":"Per statement cycle: grocery 1,000 points, education 1,000, utility 1,000, insurance 5,000","reward_exclusions":"No points on rent, fuel, government, tax, third-party wallets, property management; points on EMI-converted spends reversed","point_value":"Rs 1 per point on flights/hotels and select brand vouchers (Apple, Tanishq etc.); Rs 0.60 catalogue products; Rs 0.40 statement credit (Card Insider)","points_expiry":"3 years from issuance (ICICI Bank Rewards programme page); lapse on card cancellation","reward_notes":"base_return_pct = 6/200 x Rs 1 best-case redemption = 3%; 1.2% as statement credit. Redemption fee nil for this card (MITC). Point values and Air India transfer are from Card Insider, not the issuer.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"1 RP : 1 Maharaja Point (Card Insider; not on issuer page)","lounge_domestic":"Unlimited, primary and add-on","lounge_international":"Unlimited via Priority Pass, primary and add-on","lounge_conditions":"No spend condition. Guest policy not stated by issuer.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% at all pumps, txns up to Rs 4,000; MITC caps eligible fuel spend at Rs 1,00,000 per statement cycle","milestone_benefits":"Two EaseMyTrip vouchers totalling up to Rs 6,000 on Rs 8 lakh annual spend","other_freebies":"Unlimited golf rounds/lessons via Golftripz; BookMyShow buy-one-get-one up to Rs 750, twice a month; domestic flight/hotel cancellation cover up to Rs 12,000; air accident cover up to Rs 3 crore (international travel, ticket on card); 24x7 concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil","cash_advance_fee":"Nil","eligibility":"Invite only via Relationship Manager; age 21-65. Income criteria not published.","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-emeralde-private-metal-credit-card/","https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","transfer_partners","transfer_ratio"],"date_read":"2026-10-11","notes":"Interest still 3.75% a month on revolving balances. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":224,"depth":"full","slug":"icici-emeralde-private-metal","url":"https://m16s.in/cards/icici-emeralde-private-metal/"},{"issuer":"ICICI Bank","card_name":"Emeralde","cobrand_partner":null,"networks":["Mastercard","Amex"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":12000,"annual_fee":12000,"fee_waiver_spend":1000000,"fee_notes":"Card Insider reports a Rs 1,000/month plan alternative; issuer page and MITC show Rs 12,000 only. Add-on card free. No cash advance or over-limit fee.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"4 RP per Rs 100 (domestic and international)","base_return_pct":1.0,"accelerated_earn":"None; utility and insurance earn 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 4/100 x Rs 0.25 = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited, primary cardholder","lounge_international":"Unlimited via Priority Pass","lounge_conditions":"No spend condition. Issuer page is unclear on whether add-on holders get Priority Pass.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000","milestone_benefits":"Birthday voucher worth Rs 5,000 (Tata CLiQ on Amex, PostCard Hotels on Mastercard)","other_freebies":"Golf: 1 round per Rs 50,000 spend in prior month, max 4 a month; BookMyShow up to Rs 750 off second ticket, 4 times a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); cancellation cover up to Rs 12,000 twice a year; air accident cover up to Rs 3 crore; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"Nil","eligibility":"Age 21-65; salaried Rs 1,50,000 a month; self-employed Rs 18,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-emeralde-credit-card/","https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks","fee_notes"],"date_read":"2026-10-11","notes":"Low point value makes the 4 RP rate worth about 1%. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":225,"depth":"full","slug":"icici-emeralde","url":"https://m16s.in/cards/icici-emeralde/"},{"issuer":"ICICI Bank","card_name":"Sapphiro","cobrand_partner":null,"networks":["Visa","Mastercard","Amex","RuPay"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":6500,"annual_fee":3500,"fee_waiver_spend":600000,"fee_notes":"Add-on card Rs 199 a year. Issued as dual-network pairs (Mastercard + Amex, or Visa + RuPay).","welcome_benefit":"Vouchers worth Rs 13,000+: Tata CLiQ Rs 3,000, EaseMyTrip Rs 4,000, Da Milano Rs 5,000, Croma Rs 1,500, 3-month EazyDiner Prime","reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 domestic","base_return_pct":0.5,"accelerated_earn":"4 RP per Rs 100 international; 1 RP per Rs 100 on utility and insurance","reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend. Milestone bonus capped at 20,000 points a year.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter (2 per variant per quarter on dual cards)","lounge_international":"2 per year via Priority Pass, primary only","lounge_conditions":"Spend of Rs 75,000 in the preceding spends quarter unlocks access for the next calendar quarter; ICICI's illustration runs the spend window from the 26th to the 25th, for example 26 Sep to 25 Dec for Jan to Mar (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry. International visits carry no stated spend condition.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000 at any pump","milestone_benefits":"4,000 RP on Rs 4 lakh annual spend, then 2,000 RP per extra Rs 1 lakh, max 20,000 RP a year","other_freebies":"Golf: 1 round per Rs 50,000 spend in prior month, max 4 a month; BookMyShow buy-one-get-one up to Rs 500, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); air accident cover up to Rs 3 crore; Rs 2 lakh personal accident cover on RuPay; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; salaried Rs 75,000 a month; self-employed Rs 9,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/","https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards","https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-31","notes":"UPI spends on the RuPay variant earn at the card rate (P2M only). Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":226,"depth":"full","slug":"icici-sapphiro","url":"https://m16s.in/cards/icici-sapphiro/"},{"issuer":"ICICI Bank","card_name":"Rubyx","cobrand_partner":null,"networks":["Visa","Mastercard","Amex","RuPay"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":3000,"annual_fee":2000,"fee_waiver_spend":300000,"fee_notes":"Add-on card Rs 199 a year. Dual-network pairs (Mastercard + Amex, or Visa + RuPay).","welcome_benefit":"Vouchers: Tata CLiQ Rs 2,000, EaseMyTrip flights Rs 2,000, Croma Rs 1,000, EaseMyTrip holidays Rs 3,000, Elivaas Rs 10,000, 3-month EazyDiner Prime (issuer page headline value is inconsistent: Rs 5,000+ vs Rs 15,000+)","reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 domestic","base_return_pct":0.5,"accelerated_earn":"4 RP per Rs 100 international; 1 RP per Rs 100 on utility and insurance","reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend. Milestone bonus capped at 15,000 points a year.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (1 per variant on dual cards); railway lounges 2 per quarter (8 a year)","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns of Rs 400-4,000 at any pump","milestone_benefits":"3,000 RP on Rs 3 lakh annual spend, then 1,500 RP per extra Rs 1 lakh, max 15,000 RP a year","other_freebies":"Golf: 1 round per Rs 50,000 spend in prior month, max 2 a month; BookMyShow and INOX 25% off up to Rs 150, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); air accident cover up to Rs 1 crore; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; salaried Rs 75,000 a month; self-employed Rs 9,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/","https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","welcome_benefit"],"date_read":"2026-10-11","notes":"Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":227,"depth":"full","slug":"icici-rubyx","url":"https://m16s.in/cards/icici-rubyx/"},{"issuer":"ICICI Bank","card_name":"Coral","cobrand_partner":null,"networks":["Visa","Mastercard","Amex","RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Add-on card Rs 199 a year. RuPay variant links to UPI.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 retail","base_return_pct":0.5,"accelerated_earn":"None; utility and insurance earn 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend. Milestone bonus capped at 10,000 points a year.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter; railway lounges 1 per quarter (4 a year)","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps on ICICI Merchant Services terminals only","milestone_benefits":"2,000 RP on Rs 2 lakh annual spend, then 1,000 RP per extra Rs 1 lakh, max 10,000 RP a year","other_freebies":"BookMyShow and INOX 25% off up to Rs 100, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); Rs 2 lakh personal accident cover and concierge on RuPay variant","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/personal-banking/cards/credit-card/coral-rupay-card","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/","https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"UPI on RuPay variant: merchant payments only, earns at card rate. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":228,"depth":"full","slug":"icici-coral","url":"https://m16s.in/cards/icici-coral/"},{"issuer":"ICICI Bank","card_name":"Platinum Chip","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free on the product page; MITC notes a Rs 99 joining/annual fee may apply 'as communicated at the time of sourcing'. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 retail","base_return_pct":0.5,"accelerated_earn":"None; utility and insurance earn 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; income Rs 20,000 a month","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/platinum-chip-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"No lounge, movie or milestone benefits. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":229,"depth":"full","slug":"icici-platinum-chip","url":"https://m16s.in/cards/icici-platinum-chip/"},{"issuer":"ICICI Bank","card_name":"Expressions","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":150000,"fee_notes":"Card replacement Rs 199. Add-on Rs 199. Custom card design (175+ templates or own image).","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"3 RP per Rs 100 retail","base_return_pct":0.75,"accelerated_earn":"None; utility and insurance earn 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 3/100 x Rs 0.25 = 0.75%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps","milestone_benefits":null,"other_freebies":"BookMyShow and INOX 25% off up to Rs 100, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; income criteria not stated on page","source_product_page":"https://www.icici.bank.in/content/icicibank-revamp/in/en/personal-banking/cards/credit-card/expressions-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"Forex markup taken from MITC standard rate (not on product page). Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":230,"depth":"full","slug":"icici-expressions","url":"https://m16s.in/cards/icici-expressions/"},{"issuer":"ICICI Bank","card_name":"Times Black","cobrand_partner":"Times Internet","networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel","cobrand"],"status":"invite-only","joining_fee":20000,"annual_fee":20000,"fee_waiver_spend":2500000,"fee_notes":"Add-on Rs 3,500 one-time. Card replacement Rs 3,500. No cash advance fee.","welcome_benefit":"Luxury stay gift card: EaseMyTrip Rs 10,000 or Lohono Rs 12,000; also Toni and Guy Rs 3,000, Interflora Rs 1,000, Atlys/OneVasco visa services Rs 10,000, Zomato Gold","reward_currency":"ICICI Bank Reward Points","base_earn":"2% as reward points on domestic spend","base_return_pct":2.0,"accelerated_earn":"2.5% as reward points on international spend","reward_caps":"5,000 points per statement cycle across utility, insurance, education and government payments","reward_exclusions":"No points on fuel, rent, EMI-converted transactions (reversed)","point_value":"Up to Rs 1 per point on products/vouchers; Rs 0.40 per point as statement credit (issuer page)","points_expiry":null,"reward_notes":"base_return_pct = 2% at best-case Rs 1 per point; 0.8% as statement credit. Redemption fee nil for this card (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited, primary and add-on","lounge_international":"Unlimited via Priority Pass, primary and add-on","lounge_conditions":"No spend condition. Guest policy not stated by issuer.","forex_markup_pct":1.49,"fuel_surcharge_waiver":"1% at all pumps, txns up to Rs 4,000; eligible fuel spend capped at Rs 1,00,000 per cycle (MITC)","milestone_benefits":"Rs 2 lakh: Klook Rs 10,000; Rs 5 lakh: WeWork day passes or airport transfers Rs 10,000; Rs 10 lakh: Tata CLiQ Luxury Rs 10,000; Rs 20 lakh: one night at Ayatana or Lohono worth Rs 20,000. Claim within 6 months via Times Black app.","other_freebies":"Cancellation cover up to Rs 12,000 on domestic flights/hotels; air accident cover; 24x7 concierge; CribLife services; Elite Club dining offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"Nil","eligibility":"Invite only (timesblack.com); age 21+; salaried Rs 2,00,000 a month; self-employed Rs 24,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/times-black-icici-bank-credit-card/"],"source_quality":"primary","unverified_fields":["points_expiry"],"date_read":"2026-10-11","notes":"Card T&C PDF blocked to automated readers; expiry and transfer options not confirmed. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":231,"depth":"full","slug":"icici-times-black","url":"https://m16s.in/cards/icici-times-black/"},{"issuer":"ICICI Bank","card_name":"Amazon Pay ICICI Bank","cobrand_partner":"Amazon Pay","networks":["Visa"],"segment":"entry","card_type":["cashback","shopping","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free; add-on cards free.","welcome_benefit":"Rotating Amazon offers worth up to Rs 2,000 (non-Prime) or Rs 2,500 (Prime) per Card Insider; none stated on issuer page","reward_currency":"Amazon Pay balance (1 point = Rs 1)","base_earn":"1% on all other spends","base_return_pct":1.0,"accelerated_earn":"5% on Amazon.in for Prime members; 3% for non-Prime; 2% at Amazon Pay partner merchants (paying with Amazon Pay); Card Insider adds 5% on Amazon flights/hotels (Prime) and 2% on Amazon bill payments, recharges, gift cards","reward_caps":"Uncapped","reward_exclusions":"Fuel, EMI purchases, gold/precious metals, tax, education and international spends earn nothing (aggregator). Rent and wallet loads: ICICI's MITC and its changes page conflict, so not confirmed.","point_value":"Rs 1 per point, credited as Amazon Pay balance","points_expiry":"No expiry per issuer page","reward_notes":"base_return_pct = 1% on non-Amazon spends. Credited within 2 working days after each billing cycle. Usable only on Amazon and Amazon Pay merchants.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel purchases (txns up to Rs 4,000 per Card Insider)","milestone_benefits":null,"other_freebies":"3-month no-cost EMI on eligible Amazon.in purchases; Culinary Treats dining discounts","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; income Rs 30,000 a month; issuer page calls it an invite-only programme, applications run through the Amazon app","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/amazon-pay-icici-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_exclusions","status","welcome_benefit"],"date_read":"2026-10-11","notes":"Issuer page conflicts on partner-merchant rate (2% in table, 1% in one FAQ). Card T&C PDF blocked to automated readers, so exclusions come from Card Insider. Forex 1.99% with no cashback on international spends. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":232,"depth":"full","slug":"amazon-pay-icici-bank","url":"https://m16s.in/cards/amazon-pay-icici-bank/"},{"issuer":"ICICI Bank","card_name":"MakeMyTrip ICICI Bank","cobrand_partner":"MakeMyTrip","networks":["Mastercard","RuPay"],"segment":"mid","card_type":["travel","cobrand","upi"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":300000,"fee_notes":"Dual-variant (Mastercard + RuPay). Add-on Rs 199.","welcome_benefit":"Rs 1,000 MakeMyTrip voucher on joining fee; MMTBLACK Gold membership for 1 year. Renewal: Rs 1,000 MMT hotel voucher (valid 3 months).","reward_currency":"myCash","base_earn":"1 myCash per Rs 100 on other retail spends","base_return_pct":1.0,"accelerated_earn":"6 myCash per Rs 100 on MakeMyTrip hotels; 3 per Rs 100 on MMT flights, buses, cabs","reward_caps":"No general cap stated; insurance capped at 1,000 points per anniversary year (MITC)","reward_exclusions":"Rent, cash advances, fees, EMI, balance transfers, personal loans. Fuel does earn on this card (MITC).","point_value":"1 myCash = Rs 1 on MakeMyTrip (Card Insider)","points_expiry":"Never expire","reward_notes":"base_return_pct = 1/100 x Rs 1 = 1%. myCash credits to the MMT wallet; cannot be encashed. MMTBLACK Gold via the card excludes the tier's own myCash benefit.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"1 per year via Priority Pass, primary only","lounge_conditions":"Rs 75,000 spend in a calendar quarter unlocks domestic visits in the next quarter, from 1 Jul 2026, per the MITC last updated 9 Oct 2026. ICICI's changes page still lists this card as exempt.","forex_markup_pct":0.99,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"BookMyShow and INOX 25% off up to Rs 150, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); 3-month no-cost EMI on MMT; concierge on RuPay","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/makemytrip-icici-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip","https://cardinsider.com/icici-bank/makemytrip-icici-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-31","notes":"0.99% forex markup is the lowest in the ICICI range. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":233,"depth":"full","slug":"makemytrip-icici-bank","url":"https://m16s.in/cards/makemytrip-icici-bank/"},{"issuer":"ICICI Bank","card_name":"MakeMyTrip ICICI Bank Signature","cobrand_partner":"MakeMyTrip","networks":["Visa"],"segment":"mid","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":2500,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"One-time joining fee, no annual fee.","welcome_benefit":"MakeMyTrip holiday voucher Rs 2,500, 1,500 myCash, MMTBLACK Platinum membership","reward_currency":"myCash","base_earn":"1.25 myCash per Rs 200 domestic","base_return_pct":0.63,"accelerated_earn":"4 myCash per Rs 200 on MMT hotels; 2 per Rs 200 on MMT flights","reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC","point_value":"1 myCash = Rs 1 on MakeMyTrip (Card Insider)","points_expiry":"12 months from credit","reward_notes":"base_return_pct = 1.25/200 x Rs 1 = 0.63%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter; railway lounge 1 per quarter","lounge_international":"1 per year (Priority Pass if applied on/after 15 Nov 2024, DreamFolks before)","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps on ICICI terminals","milestone_benefits":"1,100 myCash on Rs 2.5 lakh spend; 4,000 myCash on Rs 5 lakh spend","other_freebies":"BookMyShow 25% off up to Rs 150","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not accepting new applications","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/signature-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/makemytrip-icici-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-31","notes":"Issuer page states applications are no longer accepted. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":234,"depth":"full","slug":"makemytrip-icici-bank-signature","url":"https://m16s.in/cards/makemytrip-icici-bank-signature/"},{"issuer":"ICICI Bank","card_name":"MakeMyTrip ICICI Bank Platinum","cobrand_partner":"MakeMyTrip","networks":[],"segment":"entry","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":500,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"One-time joining fee, no annual fee.","welcome_benefit":"Rs 500 myCash and MakeMyTrip holiday voucher up to Rs 3,000","reward_currency":"myCash","base_earn":"1 myCash per Rs 200 domestic","base_return_pct":0.5,"accelerated_earn":"3 myCash per Rs 200 on MMT hotels; 2 per Rs 200 on MMT flights","reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC","point_value":"1 myCash = Rs 1 on MakeMyTrip (Card Insider)","points_expiry":"12 months from credit","reward_notes":"base_return_pct = 1/200 x Rs 1 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter; railway lounge 1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps on ICICI terminals","milestone_benefits":"1,000 myCash on Rs 50,000 spend; 1,000 myCash on Rs 2.5 lakh spend","other_freebies":"Movie tickets 25% off up to Rs 100","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Income Rs 20,000 a month","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/platinum-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/makemytrip-icici-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","status"],"date_read":"2026-10-31","notes":"Issuer hub page calls this an 'older card'; the page does not say outright that applications are closed. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":235,"depth":"full","slug":"makemytrip-icici-bank-platinum","url":"https://m16s.in/cards/makemytrip-icici-bank-platinum/"},{"issuer":"ICICI Bank","card_name":"HPCL Super Saver","cobrand_partner":"HPCL","networks":["Visa","RuPay"],"segment":"entry","card_type":["fuel","cobrand","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Add-on Rs 199.","welcome_benefit":"2,000 reward points (Card Insider: needs fee paid and Rs 5,000 spend in 45 days); Rs 100 cashback on first HP Pay fuel purchase of Rs 1,000+","reward_currency":"ICICI Bank Reward Points plus fuel cashback","base_earn":"2 RP per Rs 100 retail","base_return_pct":0.5,"accelerated_earn":"4% cashback on fuel at HPCL pumps and HP Pay; extra 1.5% as HP Pay Happy Coins on HP Pay fuel; 20 RP per Rs 100 (5%) on utility, grocery, departmental stores","reward_caps":"Fuel cashback Rs 200 a month; accelerated grocery/utility/department store points 400 a month (about Rs 100); insurance spend counted up to Rs 40,000 per cycle","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility. Fuel cashback only at HPCL.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%. Fuel cap means the 4% applies to the first Rs 5,000 of HPCL fuel a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL","milestone_benefits":null,"other_freebies":"24x7 roadside assistance; BookMyShow and INOX 25% off up to Rs 100, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately); Rs 2 lakh accident cover on RuPay","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-super-saver","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-hpcl-super-saver-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"1% bank fee applies to fuel transactions above Rs 10,000. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":236,"depth":"full","slug":"icici-hpcl-super-saver","url":"https://m16s.in/cards/icici-hpcl-super-saver/"},{"issuer":"ICICI Bank","card_name":"HPCL Coral","cobrand_partner":"HPCL","networks":["Visa","Mastercard","Amex"],"segment":"entry","card_type":["fuel","cobrand"],"status":"open","joining_fee":199,"annual_fee":199,"fee_waiver_spend":50000,"fee_notes":"MITC notes a Rs 500 fee may apply to HPCL Coral/Platinum/Titanium variants 'as communicated at the time of sourcing'. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points plus fuel cashback","base_earn":"2 RP per Rs 100 retail","base_return_pct":0.5,"accelerated_earn":"2.5% cashback on fuel at HPCL pumps; utility earns 1 RP per Rs 100","reward_caps":"Fuel cashback Rs 100 a month. Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility. MITC: the Amex variant earns points on fuel.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at HPCL pumps on ICICI Bank POS terminals","milestone_benefits":null,"other_freebies":"BookMyShow 25% off up to Rs 100 on two tickets, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-65; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-coral-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/personal-banking/cards/credit-card/hpcl-platinium","https://cardinsider.com/icici-bank/","https://cardinsider.com/icici-bank/icici-bank-hpcl-super-saver-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"The older HPCL Platinum page now shows HPCL Coral content; Card Insider lists HPCL Platinum as discontinued. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":237,"depth":"full","slug":"icici-hpcl-coral","url":"https://m16s.in/cards/icici-hpcl-coral/"},{"issuer":"ICICI Bank","card_name":"Adani One ICICI Bank Signature","cobrand_partner":"Adani One","networks":["Visa"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":600000,"fee_notes":"Add-on Rs 199.","welcome_benefit":"Flight voucher Rs 5,000 on Rs 25,000 spend within 60 days of activation (fee-paid cards only); hotel vouchers Rs 2,000","reward_currency":"Adani Reward Points","base_earn":"1.5 Adani Reward Points per Rs 100 domestic","base_return_pct":null,"accelerated_earn":"7 Adani Reward Points per Rs 100 in the Adani One ecosystem; 2 per Rs 100 international","reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC. Other exclusions not confirmed.","point_value":null,"points_expiry":null,"reward_notes":"Points credit to the Adani One app at the end of each billing cycle. Rupee value per point not found on issuer page, so base return not computed. Adani press release (Jun 2024) describes rates as 'up to 7%' and 'up to 2%', implying roughly Rs 1 per point; unconfirmed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter","lounge_international":"2 per year via Priority Pass, primary only","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter, from 1 Jul 2026 (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000 at any pump","milestone_benefits":"Second Pranaam meet-and-greet service on Rs 3 lakh annual spend","other_freebies":"Pranaam service on activation; porter 2 per Rs 1 lakh spent (max 8 a year); valet 4 a year; premium car parking 4 a year; BookMyShow buy-one-get-one up to Rs 500 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; salaried Rs 75,000 a month; self-employed Rs 9,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/signature-credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.adanienterprises.com/newsroom/media-releases/Adani-One-ICICI-Bank-launch-Indias-first-credit-cards-with-airport-linked-benefits"],"source_quality":"mixed","unverified_fields":["networks","point_value","reward_exclusions"],"date_read":"2026-10-31","notes":"Airport services apply at Adani-managed airports. Card T&C PDF blocked to automated readers. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":238,"depth":"full","slug":"adani-one-icici-bank-signature","url":"https://m16s.in/cards/adani-one-icici-bank-signature/"},{"issuer":"ICICI Bank","card_name":"Adani One ICICI Bank Platinum","cobrand_partner":"Adani One","networks":["Visa"],"segment":"entry","card_type":["travel","cobrand"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":300000,"fee_notes":"Add-on Rs 199.","welcome_benefit":"Flight voucher Rs 2,000 on Rs 10,000 spend within 60 days of activation (fee-paid cards only)","reward_currency":"Adani Reward Points","base_earn":"1 Adani Reward Point per Rs 100 domestic","base_return_pct":null,"accelerated_earn":"3 Adani Reward Points per Rs 100 in the Adani One ecosystem; 1.5 per Rs 100 international","reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC. Other exclusions not confirmed.","point_value":null,"points_expiry":null,"reward_notes":"Points credit to the Adani One app at the end of each billing cycle. Rupee value per point not found on issuer page, so base return not computed. Adani press release (Jun 2024) describes rates as 'up to 7%' and 'up to 2%', implying roughly Rs 1 per point; unconfirmed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (8 a year)","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter, from 1 Jul 2026 (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000 at any pump","milestone_benefits":null,"other_freebies":"Porter up to 4 a year (per Rs 1 lakh spent); valet 2 a year; premium car parking 2 a year; BookMyShow 25% off up to Rs 100 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; salaried Rs 20,000 a month; self-employed Rs 2,40,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.adanienterprises.com/newsroom/media-releases/Adani-One-ICICI-Bank-launch-Indias-first-credit-cards-with-airport-linked-benefits"],"source_quality":"mixed","unverified_fields":["networks","point_value","reward_exclusions"],"date_read":"2026-10-31","notes":"Airport services apply at Adani-managed airports. Card T&C PDF blocked to automated readers. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":239,"depth":"full","slug":"adani-one-icici-bank-platinum","url":"https://m16s.in/cards/adani-one-icici-bank-platinum/"},{"issuer":"ICICI Bank","card_name":"Emirates Skywards ICICI Bank Emeralde","cobrand_partner":"Emirates Skywards","networks":[],"segment":"super-premium","card_type":["travel","cobrand"],"status":"open","joining_fee":10000,"annual_fee":10000,"fee_waiver_spend":null,"fee_notes":"No spend-based fee waiver. Add-on Rs 199.","welcome_benefit":"10,000 Skywards Miles and Skywards Silver tier (Card Insider: 10,000 miles again on renewal)","reward_currency":"Emirates Skywards Miles","base_earn":"2 Skywards Miles per Rs 100 (domestic and international)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No miles on insurance, utility, government, education (from 15 Jan 2026); none on fuel, rent, cash, EMI, wallet loads","point_value":"Skywards Miles; value depends on redemption","points_expiry":"Miles valid 3 years from the earning transaction","reward_notes":"Rate cut from 2.5 to 2 miles per Rs 100 on 15 Jan 2026. Miles credit to Skywards within 48 hours of statement. Return not computed: mile value varies.","transfer_partners":["Emirates Skywards"],"transfer_ratio":"Earns Skywards Miles directly","lounge_domestic":"Unlimited, primary only","lounge_international":"Unlimited via Priority Pass, primary only","lounge_conditions":"No spend condition","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000","milestone_benefits":"Skywards Gold tier on Rs 15 lakh spend in the anniversary year including Rs 50,000 on Emirates.com, effective after renewal fee is paid","other_freebies":"Up to 10% off Emirates fares with promo code; BookMyShow up to Rs 750 off second ticket, 4 times a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; salaried Rs 2,50,000 a month; self-employed Rs 30,00,000 a year (page image text says Rs 45,00,000)","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-emeralde","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/emirates-skywards-icici-bank-emeralde-credit-card/"],"source_quality":"primary","unverified_fields":["forex_markup_pct","welcome_benefit"],"date_read":"2026-10-11","notes":"Forex markup not on product page; 3.5% is the MITC standard rate and matches Card Insider. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":240,"depth":"full","slug":"emirates-skywards-icici-bank-emeralde","url":"https://m16s.in/cards/emirates-skywards-icici-bank-emeralde/"},{"issuer":"ICICI Bank","card_name":"Emirates Skywards ICICI Bank Sapphiro","cobrand_partner":"Emirates Skywards","networks":["Visa","Amex"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"No spend-based fee waiver. Add-on Rs 199.","welcome_benefit":"5,000 Skywards Miles and Skywards Silver tier; 5,000 miles on each renewal","reward_currency":"Emirates Skywards Miles","base_earn":"1.5 Skywards Miles per Rs 100 (domestic and international)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No miles on insurance, utility, government, education (from 15 Jan 2026); none on fuel, rent, cash, EMI, wallet loads","point_value":"Skywards Miles; value depends on redemption","points_expiry":"Per Emirates Skywards rules (3 years on the Emeralde page)","reward_notes":"Rate cut from 2 to 1.5 miles per Rs 100 on 15 Jan 2026. Silver tier retained in later years only on Rs 5 lakh annual spend.","transfer_partners":["Emirates Skywards"],"transfer_ratio":"Earns Skywards Miles directly","lounge_domestic":"2 per quarter","lounge_international":"2 per year via Priority Pass, primary only","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns","milestone_benefits":null,"other_freebies":"Up to 10% off Emirates fares with promo code; BookMyShow buy-one-get-one up to Rs 500 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21+; salaried Rs 1,50,000 a month; self-employed Rs 18,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-sapphiro","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","points_expiry"],"date_read":"2026-10-11","notes":"Network taken from a testimonial on the issuer page. Forex markup is the MITC standard rate. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":241,"depth":"full","slug":"emirates-skywards-icici-bank-sapphiro","url":"https://m16s.in/cards/emirates-skywards-icici-bank-sapphiro/"},{"issuer":"ICICI Bank","card_name":"Emirates Skywards ICICI Bank Rubyx","cobrand_partner":"Emirates Skywards","networks":[],"segment":"mid","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"No fee waiver. Add-on Rs 199.","welcome_benefit":"Skywards Blue tier; no bonus miles stated","reward_currency":"Emirates Skywards Miles","base_earn":"1 Skywards Mile per Rs 100 (domestic and international)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No miles on insurance, utility, government, education (from 15 Jan 2026); none on fuel, rent, cash, EMI, wallet loads","point_value":"Skywards Miles; value depends on redemption","points_expiry":null,"reward_notes":null,"transfer_partners":["Emirates Skywards"],"transfer_ratio":"Earns Skywards Miles directly","lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns at all pumps","milestone_benefits":null,"other_freebies":"Up to 10% off Emirates fares with promo code; BookMyShow and INOX 25% off up to Rs 100 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not accepting applications. Earlier: salaried Rs 75,000 a month; self-employed Rs 9,00,000 a year","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-rubyx","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"Issuer page: 'We are currently not accepting applications'. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":242,"depth":"full","slug":"emirates-skywards-icici-bank-rubyx","url":"https://m16s.in/cards/emirates-skywards-icici-bank-rubyx/"},{"issuer":"ICICI Bank","card_name":"Chennai Super Kings ICICI Bank","cobrand_partner":"Chennai Super Kings","networks":[],"segment":"entry","card_type":["rewards","cobrand"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Add-on Rs 199.","welcome_benefit":"2,000 reward points on joining and on each renewal","reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 domestic","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 on CSK match days (retail, excluding fuel); utility and insurance 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver; page conflicts on scope (HPCL pumps only vs any pump up to Rs 4,000)","milestone_benefits":null,"other_freebies":"Top spenders: CSK home match tickets, signed memorabilia, practice session, meet-and-greet; BookMyShow and INOX 25% off up to Rs 100 twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not accepting new applications","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/csk-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-11","notes":"Issuer page: no longer accepting applications. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":243,"depth":"full","slug":"chennai-super-kings-icici-bank","url":"https://m16s.in/cards/chennai-super-kings-icici-bank/"},{"issuer":"ICICI Bank","card_name":"Manchester United Signature","cobrand_partner":"Manchester United","networks":[],"segment":"mid","card_type":["rewards","cobrand"],"status":"closed-to-new","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":250000,"fee_notes":"Add-on Rs 199. Fees from MITC.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not offered to new applicants","source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/"],"source_quality":"primary","unverified_fields":["status","base_earn","lounge_domestic"],"date_read":"2026-10-11","notes":"Issuer product URL now redirects to the bank homepage; Card Insider lists the card as discontinued. Only MITC fee, cap and charge data could be read. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":244,"depth":"fees-only","slug":"icici-manchester-united-signature","url":"https://m16s.in/cards/icici-manchester-united-signature/"},{"issuer":"ICICI Bank","card_name":"Manchester United Platinum","cobrand_partner":"Manchester United","networks":[],"segment":"entry","card_type":["rewards","cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":125000,"fee_notes":"Add-on Rs 199. Fees from MITC.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not offered to new applicants","source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/"],"source_quality":"primary","unverified_fields":["status","base_earn","lounge_domestic"],"date_read":"2026-10-11","notes":"Issuer product URL now redirects to the bank homepage; Card Insider lists the card as discontinued. Only MITC fee, cap and charge data could be read. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":245,"depth":"fees-only","slug":"icici-manchester-united-platinum","url":"https://m16s.in/cards/icici-manchester-united-platinum/"},{"issuer":"ICICI Bank","card_name":"Parakram","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"1 RP per Rs 100 domestic","base_return_pct":0.25,"accelerated_earn":"5 RP per Rs 100 at grocery stores, department stores and CSD canteens","reward_caps":"Max 1,000 accelerated points a month; utility and insurance spend counted up to Rs 40,000 each per cycle; transportation Rs 10,000","reward_exclusions":"No points on rent, e-wallet loads, cash. Fuel does earn on Parakram cards (MITC).","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 1/100 x Rs 0.25 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at all fuel stations","milestone_benefits":null,"other_freebies":"Air accident cover Rs 20 lakh; personal accident cover Rs 2 lakh; defence service title on card","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Indian defence and paramilitary personnel, age 21+","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/parakram-cards/parakram","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/personal-banking/cards/credit-card/parakram-cards","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-11","notes":"Parakram family page says 2 RP per Rs 100 base; the card's own page says 1 RP. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":246,"depth":"full","slug":"icici-parakram","url":"https://m16s.in/cards/icici-parakram/"},{"issuer":"ICICI Bank","card_name":"Parakram Select","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 domestic","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 at grocery stores, department stores and CSD canteens","reward_caps":"Max 1,000 accelerated points a month; utility and insurance spend counted up to Rs 40,000 each per cycle; transportation Rs 10,000","reward_exclusions":"No points on rent, e-wallet loads, cash. Fuel does earn on Parakram cards (MITC).","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 2/100 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year via Priority Pass, primary only","lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 4,000 at any pump","milestone_benefits":null,"other_freebies":"Golf: 1 round a month on Rs 50,000 spend in prior month; air accident cover Rs 20 lakh; personal accident cover Rs 2 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"Indian defence and paramilitary personnel, age 21+","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/parakram-cards/parakram-select","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/personal-banking/cards/credit-card/parakram-cards","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-11","notes":"Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":247,"depth":"full","slug":"icici-parakram-select","url":"https://m16s.in/cards/icici-parakram-select/"},{"issuer":"ICICI Bank","card_name":"Coral Credit Card against Fixed Deposit","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["secured","rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Add-on Rs 199. Fees from MITC.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"2 RP per Rs 100 retail (Coral rates)","base_return_pct":0.5,"accelerated_earn":"Utility and insurance 1 RP per Rs 100","reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":"Rs 0.25 per point (Card Insider)","points_expiry":"3 years from issuance","reward_notes":"Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. Assumes standard Coral earn rates; the FD page does not restate them.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (NRI secured Coral page)","lounge_international":null,"lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-4,000 fuel txns","milestone_benefits":null,"other_freebies":"Movie tickets 25% off up to Rs 100, twice a month","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"FD of Rs 50,000+ with ICICI Bank, tenure 180 days+, auto-renewal on; credit limit up to 90% of FD; one secured card per customer","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-against-fixed-deposit","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://www.icici.bank.in/nri-banking/cards/credit-card","https://cardinsider.com/icici-bank/icici-bank-sapphiro-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","lounge_domestic"],"date_read":"2026-10-11","notes":"FD cannot be closed until card dues are cleared. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":248,"depth":"full","slug":"icici-coral-credit-card-against-fixed-deposit","url":"https://m16s.in/cards/icici-coral-credit-card-against-fixed-deposit/"},{"issuer":"ICICI Bank","card_name":"Instant Platinum (against Fixed Deposit)","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee per MITC. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"FD of Rs 50,000+ with ICICI Bank, tenure 180 days+, auto-renewal on; credit limit up to 90% of FD","source_product_page":"https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-against-fixed-deposit","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://select.finology.in/articles/credit-card/icici-bank-credit-card-changes-2026","https://cardinsider.com/icici-bank/"],"source_quality":"primary","unverified_fields":["networks","base_earn"],"date_read":"2026-10-11","notes":"BookMyShow offer removed from this card from 1 Feb 2026 (MITC: Secured Platinum). Earn rate not stated on the FD page. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":249,"depth":"fees-only","slug":"icici-instant-platinum-against-fixed-deposit","url":"https://m16s.in/cards/icici-instant-platinum-against-fixed-deposit/"},{"issuer":"ICICI Bank","card_name":"Rubyx Credit Card against Fixed Deposit","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["secured","rewards"],"status":"open","joining_fee":3000,"annual_fee":2000,"fee_waiver_spend":300000,"fee_notes":"Fees from MITC. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["status","base_earn"],"date_read":"2026-10-11","notes":"Listed in the MITC fee table; the current FD-card page offers only Instant Platinum and Coral, so availability to new applicants is unclear. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":250,"depth":"fees-only","slug":"icici-rubyx-credit-card-against-fixed-deposit","url":"https://m16s.in/cards/icici-rubyx-credit-card-against-fixed-deposit/"},{"issuer":"ICICI Bank","card_name":"NRI Coral","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":1000,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Fees from MITC. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":"Reward points on retail and utility spends (rate not stated on NRI page)","base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":null,"lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Movie tickets 25% off up to Rs 100, twice a month","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"NRIs with an NRE/NRO account, stable income, good credit history; passport, visa/work permit, Indian and overseas address proof","source_product_page":"https://www.icici.bank.in/nri-banking/cards/credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-11","notes":"A secured NRI Coral variant against FD is also offered. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":251,"depth":"full","slug":"icici-nri-coral","url":"https://m16s.in/cards/icici-nri-coral/"},{"issuer":"ICICI Bank","card_name":"NRI Sapphiro","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":6500,"annual_fee":3500,"fee_waiver_spend":600000,"fee_notes":"Fees from MITC. Add-on Rs 199.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter","lounge_international":null,"lounge_conditions":"Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Golf: up to 4 rounds a month, 1 per Rs 50,000 spend","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":"NRIs with an NRE/NRO account, stable income, good credit history","source_product_page":"https://www.icici.bank.in/nri-banking/cards/credit-card","source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-11","notes":"Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":252,"depth":"fees-only","slug":"icici-nri-sapphiro","url":"https://m16s.in/cards/icici-nri-sapphiro/"},{"issuer":"ICICI Bank","card_name":"Emeralde Private","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":12000,"annual_fee":12000,"fee_waiver_spend":1000000,"fee_notes":"Fees from MITC. Add-on free. No cash advance fee.","welcome_benefit":null,"reward_currency":"ICICI Bank Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Per statement cycle, points accrue only on the first Rs 80,000 of utility spend, Rs 80,000 of insurance spend, Rs 40,000 of grocery spend and (from 1 Feb 2026) Rs 20,000 of transportation spend.","reward_exclusions":"No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.","point_value":null,"points_expiry":"3 years from issuance","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Exempt from the Rs 75,000 quarterly spend rule (MITC)","forex_markup_pct":2.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"Nil","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":[],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Legacy private-banking variant still in the MITC; no current product page found. Status inferred. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":253,"depth":"fees-only","slug":"icici-emeralde-private","url":"https://m16s.in/cards/icici-emeralde-private/"},{"issuer":"ICICI Bank","card_name":"Diamant World Mastercard","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":125000,"annual_fee":10000,"fee_waiver_spend":2500000,"fee_notes":"Fees from MITC. Add-on free.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC","point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Exempt from the Rs 75,000 quarterly spend rule (MITC)","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/"],"source_quality":"primary","unverified_fields":["status","forex_markup_pct"],"date_read":"2026-10-31","notes":"Card Insider lists Diamant as discontinued. Only MITC fee data read. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":254,"depth":"fees-only","slug":"icici-diamant-world-mastercard","url":"https://m16s.in/cards/icici-diamant-world-mastercard/"},{"issuer":"ICICI Bank","card_name":"Mine","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"closed-to-new","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Monthly plans: Starter nil; Pro 49 at Rs 49 a month (reversed on Rs 10,000 monthly spend); Premium 149 at Rs 149 a month (reversed on Rs 20,000 monthly spend). Reversals given as Mine Cash.","welcome_benefit":null,"reward_currency":"Mine Cash","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC","point_value":null,"points_expiry":null,"reward_notes":"Mine Cash statement credit carries a Rs 99 handling fee; catalogue redemption Rs 25 (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.icici.bank.in/terms-condition/tnc-for-mitc","source_other":["https://cardinsider.com/icici-bank/"],"source_quality":"primary","unverified_fields":["status","forex_markup_pct"],"date_read":"2026-10-31","notes":"Card Insider lists Mine as discontinued. Only MITC data read. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.","id":255,"depth":"fees-only","slug":"icici-mine","url":"https://m16s.in/cards/icici-mine/"},{"issuer":"ICICI Bank","card_name":"1838 Reserve","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":175000,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Joining fee as reported by Card Insider; not confirmed by ICICI Bank.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No reward points on rent (MCC 6513), per MITC","point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.67,"late_payment_fee":null,"cash_advance_fee":"Nil","eligibility":"By expression of interest at 1838reserve.com; criteria not published","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/icici-bank-launches-1838-reserve-credit-card/"],"source_quality":"aggregator","unverified_fields":["joining_fee","status","eligibility","segment"],"date_read":"2026-10-31","notes":"Announced ultra-premium card; Card Insider reported launch expected October 2026 with benefits not yet disclosed. Not in the ICICI MITC as read. Card site 1838reserve.com blocks automated readers.","id":256,"depth":"fees-only","slug":"icici-1838-reserve","url":"https://m16s.in/cards/icici-1838-reserve/"},{"issuer":"ICICI Bank","card_name":"Business Advantage Black","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business","cashback"],"status":"open","joining_fee":1500,"annual_fee":1000,"fee_waiver_spend":750000,"fee_notes":"Joining fee refunded on Rs 75,000 spend within 60 days of issuance.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Up to 0.5% domestic on monthly spend of Rs 25,000-75,000; up to 1% above Rs 75,000","base_return_pct":1.0,"accelerated_earn":"Up to 1% on international spend; extra 0.20% of total amount due if paid via ICICI Corporate Net Banking within 7 days of statement","reward_caps":"Rs 2,000 cashback a month","reward_exclusions":"Fuel, utility, cash, insurance, government and tax, education, fees and interest","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"base_return_pct = 1% best case (monthly spend above Rs 75,000, within the monthly cap). No rate stated for monthly spend under Rs 25,000.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter at select lounges","lounge_international":null,"lounge_conditions":"Spend condition not stated on page","forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Personal air accident cover up to Rs 75 lakh; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Owner or manager of a registered business or professional practice in India with a stable financial record","source_product_page":"https://www.icici.bank.in/personal-banking/cards/commercial-cards/business-advantage-black-card","source_mitc_or_tnc":"https://www.icici.bank.in/business-banking/cards/business-credit-card/documents","source_other":[],"source_quality":"primary","unverified_fields":["late_payment_fee","cash_advance_fee","forex_markup_pct"],"date_read":"2026-10-11","notes":"Business card MITC PDF is blocked to automated readers; late fee, cash advance fee and forex markup not confirmed for business cards. Low monthly cap limits the effective return on larger spends.","id":257,"depth":"full","slug":"icici-business-advantage-black","url":"https://m16s.in/cards/icici-business-advantage-black/"},{"issuer":"ICICI Bank","card_name":"Business Advantage Blue","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["business","cashback"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":500000,"fee_notes":"Joining fee waived on Rs 50,000 spend within 60 days of issuance.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Up to 0.5% domestic on monthly spend of Rs 25,000-75,000; up to 1% above Rs 75,000","base_return_pct":1.0,"accelerated_earn":"Up to 1% on international spend; extra 0.20% of total amount due if paid via ICICI Corporate Net Banking within 7 days of statement","reward_caps":"Rs 500 cashback a month","reward_exclusions":"Fuel, utility, cash, insurance, government and tax, education, fees and interest","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"base_return_pct = 1% best case (monthly spend above Rs 75,000, within the monthly cap). No rate stated for monthly spend under Rs 25,000.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":null,"lounge_conditions":"Rs 35,000 spend in the previous calendar quarter; primary cardholder only","forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Personal air accident cover up to Rs 75 lakh; concierge","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Owner or manager of a registered business or professional practice in India with a stable financial record","source_product_page":"https://www.icici.bank.in/personal-banking/cards/commercial-cards/business-advantage-blue-card","source_mitc_or_tnc":"https://www.icici.bank.in/business-banking/cards/business-credit-card/documents","source_other":[],"source_quality":"primary","unverified_fields":["late_payment_fee","cash_advance_fee","forex_markup_pct"],"date_read":"2026-10-11","notes":"Business card MITC PDF is blocked to automated readers; late fee, cash advance fee and forex markup not confirmed for business cards. Low monthly cap limits the effective return on larger spends.","id":258,"depth":"full","slug":"icici-business-advantage-blue","url":"https://m16s.in/cards/icici-business-advantage-blue/"},{"issuer":"ICICI Bank","card_name":"Platinum Business","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":null,"welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Points per Rs 200 spend; rate not shown on page","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% at all fuel stations","milestone_benefits":null,"other_freebies":"Personal accident death cover up to Rs 25 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Owner or manager of a registered business or professional practice in India with a stable financial record","source_product_page":"https://www.icici.bank.in/personal-banking/cards/commercial-cards/platinum-business-card","source_mitc_or_tnc":"https://www.icici.bank.in/business-banking/cards/business-credit-card/documents","source_other":[],"source_quality":"primary","unverified_fields":["base_earn","late_payment_fee","cash_advance_fee","forex_markup_pct"],"date_read":"2026-10-11","notes":"Business card MITC PDF is blocked to automated readers; late fee, cash advance fee and forex markup not confirmed for business cards.","id":259,"depth":"partial","slug":"icici-platinum-business","url":"https://m16s.in/cards/icici-platinum-business/"},{"issuer":"ICICI Bank","card_name":"Business Ascent (American Express)","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":2000,"annual_fee":1500,"fee_waiver_spend":750000,"fee_notes":null,"welcome_benefit":"3,000 points after paying the first month's bill; 2,000 points within 30 days of paying each annual fee","reward_currency":"Reward Points","base_earn":"3 points per Rs 200","base_return_pct":null,"accelerated_earn":"4 points per Rs 200 on airlines and dining","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":null,"lounge_conditions":"Conditions not stated on page","forex_markup_pct":null,"fuel_surcharge_waiver":"1% at petrol pumps","milestone_benefits":null,"other_freebies":"Complimentary insurance (amounts in separate document); Amex offers","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Owner or manager of a registered business or professional practice in India with a stable financial record","source_product_page":"https://www.icici.bank.in/personal-banking/cards/commercial-cards/ascent-business-advantage-card","source_mitc_or_tnc":"https://www.icici.bank.in/business-banking/cards/business-credit-card/documents","source_other":[],"source_quality":"primary","unverified_fields":["point_value","late_payment_fee","cash_advance_fee","forex_markup_pct"],"date_read":"2026-10-11","notes":"Business card MITC PDF is blocked to automated readers; late fee, cash advance fee and forex markup not confirmed for business cards. Point value for business reward points not found.","id":260,"depth":"partial","slug":"icici-business-ascent-american-express","url":"https://m16s.in/cards/icici-business-ascent-american-express/"},{"issuer":"IDFC First Bank","card_name":"FIRST Millennia","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Optional FIRST Digital RuPay (UPI) add-on card costs Rs 199 + GST joining and Rs 199 + GST a year from year 2. Add-on card Rs 499 + GST.","welcome_benefit":"Rs 500 gift voucher on Rs 5,000 spend within 30 days (primary card; UPI, wallet, EMI and cash excluded); 5% cashback up to Rs 1,000 on first EMI within 30 days","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 200 on eligible spends","base_return_pct":0.38,"accelerated_earn":"10X (10 points per Rs 200) on dining, travel, international spends and on spends made on your birthday. Via IDFC FIRST app travel bookings: 20% bonus points on hotels, 10% on flights.","reward_caps":"1X only (1 point per Rs 200) on utilities, insurance, railways and FASTag. UPI spends earn up to 3X.","reward_exclusions":"Fuel, EMI transactions, cash withdrawals, fees and charges earn nothing. 10X excludes rent and property management, government, education, wallet loads, utilities, insurance, railways, FASTag","point_value":"1 point = Rs 0.25","points_expiry":"24 months from credit (for points earned from the July 2026 statement cycle; earlier points did not expire)","reward_notes":"Rs 99 + GST per redemption. base_return_pct = 3 points per Rs 200 x Rs 0.25 = 0.375%; 10X categories = 1.25%; 1X categories = 0.125%. The old Rs 20,000-per-cycle threshold for 10X has gone; 10X is now category-based.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":"Railway lounges: 4 per quarter, needs Rs 20,000 spend in the calendar month to unlock the next month","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 200 per month","milestone_benefits":null,"other_freebies":"25% off up to Rs 100 on movie tickets via District once a month (needs one transaction in the previous month). Roadside assistance worth Rs 1,399, 4 times a year; personal accident cover Rs 2 lakh; lost card liability Rs 25,000.","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Annual income Rs 3 lakh or more","source_product_page":"https://www.idfcfirst.bank.in/credit-card/millennia","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee","networks"],"date_read":"2026-10-11","notes":"APR 8.5% to 46.2% a year by profile (0.71% to 3.85% a month); the monthly figure given is the maximum. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":261,"depth":"full","slug":"idfc-first-millennia","url":"https://m16s.in/cards/idfc-first-millennia/"},{"issuer":"IDFC First Bank","card_name":"FIRST Classic","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Optional FIRST Digital RuPay (UPI) add-on card costs Rs 199 + GST joining and Rs 199 + GST a year from year 2. Add-on card Rs 499 + GST.","welcome_benefit":"Rs 500 gift voucher on Rs 5,000 spend within 30 days (primary card; UPI, wallet, EMI and cash excluded); 5% cashback up to Rs 1,000 on first EMI within 30 days","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 200 on eligible spends","base_return_pct":0.38,"accelerated_earn":"10X (10 points per Rs 200) on dining, travel, international spends and on spends made on your birthday. Via IDFC FIRST app travel bookings: 20% bonus points on hotels, 10% on flights.","reward_caps":"1X only (1 point per Rs 200) on utilities, insurance, railways and FASTag. UPI spends earn up to 3X.","reward_exclusions":"Fuel, EMI transactions, cash withdrawals, fees and charges earn nothing. 10X excludes rent and property management, government, education, wallet loads, utilities, insurance, railways, FASTag","point_value":"1 point = Rs 0.25","points_expiry":"24 months from credit (for points earned from the July 2026 statement cycle; earlier points did not expire)","reward_notes":"Rs 99 + GST per redemption. base_return_pct = 3 points per Rs 200 x Rs 0.25 = 0.375%; 10X categories = 1.25%; 1X categories = 0.125%. The old Rs 20,000-per-cycle threshold for 10X has gone; 10X is now category-based.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":"Railway lounges: 4 per quarter, needs Rs 20,000 spend in the calendar month to unlock the next month","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 200 per statement cycle","milestone_benefits":null,"other_freebies":"25% off up to Rs 100 on movie tickets once a month (needs one transaction in the previous month). Roadside assistance worth Rs 1,399, 4 times a year; personal accident cover Rs 2 lakh; lost card liability Rs 25,000.","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Annual income Rs 3 lakh or more","source_product_page":"https://www.idfcfirst.bank.in/credit-card/classic","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee","networks"],"date_read":"2026-10-11","notes":"APR 8.5% to 46.2% a year by profile (0.71% to 3.85% a month); the monthly figure given is the maximum. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":262,"depth":"full","slug":"idfc-first-classic","url":"https://m16s.in/cards/idfc-first-classic/"},{"issuer":"IDFC First Bank","card_name":"FIRST Select","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Optional FIRST Digital RuPay (UPI) add-on card costs Rs 199 + GST joining and Rs 199 + GST a year from year 2. Add-on card Rs 499 + GST.","welcome_benefit":"Rs 500 gift voucher on Rs 5,000 spend within 30 days (primary card; UPI, wallet, EMI and cash excluded); 5% cashback up to Rs 1,000 on first EMI within 30 days","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 200 on eligible spends","base_return_pct":0.38,"accelerated_earn":"10X (10 points per Rs 200) on dining, travel, international spends and on spends made on your birthday. Via IDFC FIRST app travel bookings: 20% bonus points on hotels, 10% on flights.","reward_caps":"1X only (1 point per Rs 200) on utilities, insurance, railways and FASTag. UPI spends earn up to 3X.","reward_exclusions":"Fuel, EMI transactions, cash withdrawals, fees and charges earn nothing. 10X excludes rent and property management, government, education, wallet loads, utilities, insurance, railways, FASTag","point_value":"1 point = Rs 0.25","points_expiry":"24 months from credit (for points earned from the July 2026 statement cycle; earlier points did not expire)","reward_notes":"Rs 99 + GST per redemption. base_return_pct = 3 points per Rs 200 x Rs 0.25 = 0.375%; 10X categories = 1.25%; 1X categories = 0.125%. The old Rs 20,000-per-cycle threshold for 10X has gone; 10X is now category-based.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Needs Rs 20,000 spend in the calendar month to unlock the next month. Railway lounges: 4 per quarter.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":"Buy-1-get-1 movie ticket (page says monthly; listing says twice a month), needs Rs 20,000 spend in the previous calendar month. Trip cancellation cover up to Rs 10,000, two claims per policy period.","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Annual income Rs 12 lakh or more","source_product_page":"https://www.idfcfirst.bank.in/credit-card/select","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee","networks"],"date_read":"2026-10-11","notes":"APR 8.5% to 46.2% a year by profile (0.71% to 3.85% a month); the monthly figure given is the maximum. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":263,"depth":"full","slug":"idfc-first-select","url":"https://m16s.in/cards/idfc-first-select/"},{"issuer":"IDFC First Bank","card_name":"FIRST Wealth","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Optional FIRST Digital RuPay (UPI) add-on card costs Rs 199 + GST joining and Rs 199 + GST a year from year 2. Add-on card Rs 499 + GST.","welcome_benefit":"Rs 500 gift voucher on Rs 5,000 spend within 30 days (primary card; UPI, wallet, EMI and cash excluded); 5% cashback up to Rs 1,000 on first EMI within 30 days","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 200 on eligible spends","base_return_pct":0.38,"accelerated_earn":"10X (10 points per Rs 200) on dining, travel, international spends and on spends made on your birthday. Via IDFC FIRST app travel bookings: 20% bonus points on hotels, 10% on flights.","reward_caps":"1X only (1 point per Rs 200) on utilities, insurance, railways and FASTag. UPI spends earn up to 3X.","reward_exclusions":"Fuel, EMI transactions, cash withdrawals, fees and charges earn nothing. 10X excludes rent and property management, government, education, wallet loads, utilities, insurance, railways, FASTag","point_value":"1 point = Rs 0.25","points_expiry":"24 months from credit (for points earned from the July 2026 statement cycle; earlier points did not expire)","reward_notes":"Rs 99 + GST per redemption. base_return_pct = 3 points per Rs 200 x Rs 0.25 = 0.375%; 10X categories = 1.25%; 1X categories = 0.125%. The old Rs 20,000-per-cycle threshold for 10X has gone; 10X is now category-based.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"1 per quarter via DreamFolks","lounge_conditions":"Needs Rs 20,000 spend in the calendar month to unlock the next month. Railway lounges: 4 (page says per year). Guest access not mentioned.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":"Buy-1-get-1 on movie tickets via District, up to Rs 250 off the second ticket, twice a month, needs Rs 20,000 spend in the calendar month (from 18 Jun 2026). 1 golf round or lesson per quarter, unlocked by Rs 20,000 spend in the statement cycle. Trip cancellation cover up to Rs 10,000; Visa Infinite privileges.","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Annual income Rs 36 lakh or more","source_product_page":"https://www.idfcfirst.bank.in/credit-card/wealth","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee"],"date_read":"2026-10-11","notes":"APR 8.5% to 46.2% a year by profile (0.71% to 3.85% a month); the monthly figure given is the maximum. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550. App travel bonus points capped at 8,000. The Wealth page's own FAQ still mentions a 1.5% forex markup, conflicting with the zero-forex headline; headline used.","id":264,"depth":"full","slug":"idfc-first-wealth","url":"https://m16s.in/cards/idfc-first-wealth/"},{"issuer":"IDFC First Bank","card_name":"FIRST WOW!","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["secured","rewards","lifetime-free","travel"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free, FD-backed. No add-on cards.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"4X = 4 points per Rs 200 on online, offline and international spends","base_return_pct":0.5,"accelerated_earn":"From July 2026: 10% bonus points on hotels and 5% on flights booked via the IDFC FIRST app (aggregator)","reward_caps":"1X only on insurance, utilities, FASTag and railways","reward_exclusions":"Fuel, EMI transactions, cash withdrawals, fees and charges","point_value":"1 point = Rs 0.25","points_expiry":"24 months from credit; points held at the July 2026 statement stay valid until July 2028","reward_notes":"Rs 99 + GST per redemption. base_return_pct = 4 points per Rs 200 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Card liability cover up to Rs 25,000; personal accident cover Rs 2 lakh; purchase protection up to Rs 25,000","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; cash limit 100% of FD value","eligibility":"Age 18-80; Indian citizen with permanent Indian address; FD of Rs 20,000 or more (NRIs: NRE FD of Rs 25,000 or more). No income proof or credit history. Credit limit 100% of FD.","source_product_page":"https://www.idfcfirst.bank.in/credit-card/wow","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["accelerated_earn","late_payment_fee"],"date_read":"2026-10-11","notes":"Zero forex markup on a no-fee secured card is the main draw. Also sold as 'FIRST WOW! FD-Backed Zero Forex Travel'. APR 8.5% to 46.2%. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":265,"depth":"full","slug":"idfc-first-wow","url":"https://m16s.in/cards/idfc-first-wow/"},{"issuer":"IDFC First Bank","card_name":"FIRST WOW! Black","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards","travel","secured"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":150000,"fee_notes":"Rs 750 + GST joining and annual; annual waived on Rs 1.5 lakh annual spend. An FD-backed variant is also listed.","welcome_benefit":"Brand offers, memberships and cashback stated as worth Rs 5,000+","reward_currency":"Reward Points","base_earn":"4 points per Rs 150","base_return_pct":1.33,"accelerated_earn":"16.7% bonus points on hotels and 10% on flights booked via the IDFC FIRST app","reward_caps":"1 point per Rs 150 on insurance and utilities (aggregator)","reward_exclusions":null,"point_value":"1 point = Rs 0.50 on app travel bookings; Rs 0.25 otherwise","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 150 x Rs 0.50 (app travel redemption) = 1.33%; 0.67% at Rs 0.25. Rs 99 + GST per redemption.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (4 per year)","lounge_international":"None","lounge_conditions":"Needs Rs 20,000 monthly spend","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"25% movie discount up to Rs 100 once a month; trip cancellation cover up to Rs 10,000 twice a year; bundled UPI-enabled FIRST Digital card","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Not stated","source_product_page":"https://www.idfcfirst.bank.in/credit-card/wow","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["eligibility","interest_rate_monthly_pct","late_payment_fee","networks","points_expiry","reward_caps"],"date_read":"2026-10-11","notes":"Details read from the WOW! page's comparison section, not a dedicated WOW! Black page. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550. Interest is a range: 8.5% to 46.2% a year (about 0.71% to 3.85% a month); the top of the range is recorded.","id":266,"depth":"full","slug":"idfc-first-wow-black","url":"https://m16s.in/cards/idfc-first-wow-black/"},{"issuer":"IDFC First Bank","card_name":"Mayura","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":5999,"annual_fee":5999,"fee_waiver_spend":null,"fee_notes":"Rs 5,999 + GST joining (upfront, non-refundable) and annual from year 2. No fee waiver; instead paying the annual fee earns points if you spent Rs 8 lakh or Rs 15 lakh. Metal add-on Rs 4,000 + GST joining, Rs 2,000 + GST annual.","welcome_benefit":"Up to 12,000 points: 4,000 on joining fee payment, 4,000 each on Rs 20,000+ spend in the 2nd and 3rd statement cycles","reward_currency":"Reward Points","base_earn":"5X = 5 points per Rs 150 on spends up to Rs 20,000 per statement cycle","base_return_pct":1.67,"accelerated_earn":"10X = 10 points per Rs 150 on incremental spend above Rs 20,000 per cycle. App bookings: 30X bonus on hotels (40 points per Rs 150), 15X bonus on flights (25 points per Rs 150).","reward_caps":"International spends 5X only (count towards the 10X threshold). Rent, education, government, wallet load 3X. Insurance, utility, railways, FASTag 1X and excluded from the 10X threshold. App travel bonus capped at 25,000 points a month. Redemption capped at 1,50,000 points a month and 3,00,000 a year.","reward_exclusions":"Fuel, EMI conversions, cash withdrawals, fees and GST, loan on card, balance transfers, transactions below Rs 150","point_value":"1 point = Rs 0.50 on hotels and flights via the app (max 70% of booking); Rs 0.25 on vouchers, products and pay-with-points","points_expiry":"Never expire while the card is active","reward_notes":"base_return_pct = 5 points per Rs 150 x Rs 0.50 = 1.67% on the first Rs 20,000 a cycle; 3.33% above that; half those figures if redeemed at Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter, including 1 guest visit","lounge_international":"4 per quarter via DreamFolks","lounge_conditions":"Needs Rs 20,000 spend in the calendar month to unlock the next month. Railway lounges: 4 per quarter.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 300 per statement cycle","milestone_benefits":"7,500 points at Rs 8 lakh or 15,000 points at Rs 15 lakh previous-year spend, credited only when the next annual fee is paid","other_freebies":"Movies: buy-1-get-1 via District, up to Rs 500 off the second ticket, twice a month, needs Rs 20,000 spend in the calendar month. Golf: up to 2 rounds or lessons a month, one per Rs 20,000 spent in the previous statement cycle. ","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"No income or age criteria stated; limit shared across the customer's unsecured IDFC FIRST cards","source_product_page":"https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee"],"date_read":"2026-10-11","notes":"Zero forex markup, but international spends earn 5X, not 10X. Purchase APR not stated on the card page. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":267,"depth":"full","slug":"idfc-mayura","url":"https://m16s.in/cards/idfc-mayura/"},{"issuer":"IDFC First Bank","card_name":"Ashva","cobrand_partner":null,"networks":null,"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Rs 2,999 + GST joining (upfront, non-refundable) and annual from year 2. No fee waiver. Metal add-on Rs 2,000 + GST joining, Rs 1,000 + GST annual.","welcome_benefit":"Up to 7,500 points: 2,500 on joining fee payment, 2,500 each on Rs 20,000+ spend in the 2nd and 3rd statement cycles","reward_currency":"Reward Points","base_earn":"5X = 5 points per Rs 150 on spends up to Rs 20,000 per statement cycle","base_return_pct":1.33,"accelerated_earn":"10X = 10 points per Rs 150 on incremental spend above Rs 20,000 per cycle. App bookings: 40 points per Rs 150 on hotels, 25 per Rs 150 on flights.","reward_caps":"International spends 5X, dropping to 2X from 26 Oct 2026. Rent, education, government, wallet load 3X. Insurance, utility, railways, FASTag 1X. None of these count towards the 10X threshold.","reward_exclusions":"Fuel, EMI conversions, cash withdrawals, fees and GST, loan on card, balance transfers, transactions below Rs 150","point_value":"1 point = Rs 0.40 on hotels and flights via the app; Rs 0.25 on other redemptions","points_expiry":"Never expire while the card is active","reward_notes":"base_return_pct = 5 points per Rs 150 x Rs 0.40 = 1.33% on the first Rs 20,000 a cycle; 2.67% above that; lower at Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter","lounge_international":"2 per quarter via DreamFolks","lounge_conditions":"Needs Rs 20,000 spend in the calendar month to unlock the next month. Railway lounges: 4 per quarter. Guest access not mentioned.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 300 per statement cycle","milestone_benefits":"7,500 points on Rs 8 lakh anniversary-year spend, credited only when the next annual fee is paid","other_freebies":"Movies: buy-1-get-1 via District, up to Rs 400 off the second ticket, twice a month, needs Rs 20,000 spend in the calendar month (from 18 Jun 2026). Golf: up to 2 rounds or lessons a month, unlocked at Rs 20,000 and Rs 40,000 spend in the previous statement cycle. Trip cancellation cover up to Rs 25,000 twice a year; air accident cover Rs 1 crore; travel insurance up to USD 1,200.","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"No income or age criteria stated; limit shared across the customer's unsecured IDFC FIRST cards","source_product_page":"https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee","networks"],"date_read":"2026-10-11","notes":"Zero forex markup on purchases; 1% + GST on cash withdrawn abroad. International earn rate falls to 2X from 26 Oct 2026. Purchase APR not stated on the card page. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":268,"depth":"full","slug":"idfc-ashva","url":"https://m16s.in/cards/idfc-ashva/"},{"issuer":"IDFC First Bank","card_name":"Gaj","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":12500,"annual_fee":12500,"fee_waiver_spend":1000000,"fee_notes":"Rs 12,500 + GST joining (upfront, non-refundable) and annual from year 2; annual waived on Rs 10 lakh previous-year spend. If not waived, paying the fee earns 12,500 points. Add-on Rs 4,000 + GST joining, Rs 2,000 + GST annual.","welcome_benefit":"12,500 points; plus 25% off a 5-star hotel voucher up to Rs 5,000 on Rs 1 lakh spend within 60 days (limited period)","reward_currency":"Reward Points","base_earn":"5 points per Rs 150 on domestic spends","base_return_pct":3.33,"accelerated_earn":"App bookings: 45 bonus points per Rs 150 on hotels, 20 bonus per Rs 150 on flights","reward_caps":"International spends 3 points per Rs 150. 1 point per Rs 150 on insurance, utilities, rent, government, wallet load, railways, FASTag, education and UPI. App travel bonus capped at 15,000 points a month. Redemption capped at 1,50,000 points a month and 3,00,000 a year.","reward_exclusions":"Fuel, EMI conversions, fees and GST, loan on card, balance transfers, cash withdrawals, transactions below Rs 150","point_value":"1 point = Rs 1 on hotels and flights via the IDFC FIRST app (max 70% of booking); Rs 0.25 elsewhere","points_expiry":"Never expire while the card is active","reward_notes":"base_return_pct = 5 points per Rs 150 x Rs 1 = 3.33%, only if redeemed for app travel; 0.83% at Rs 0.25. International spends earn 2% on the same basis.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter, including 1 guest visit","lounge_international":"4 per quarter via DreamFolks","lounge_conditions":"Needs Rs 20,000 spend in the calendar month to unlock the next month. Railway lounges: 4 per quarter.","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Golf: up to 24 rounds or lessons a year, unlocked at Rs 20,000 and Rs 40,000 spend in the previous statement cycle","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"By invitation only; criteria not published","source_product_page":"https://www.idfcfirst.bank.in/credit-card/metal-credit-card/gaj","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","late_payment_fee","networks"],"date_read":"2026-10-11","notes":"Value depends on redeeming through the bank's travel portal, where points cover at most 70% of a booking. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":269,"depth":"full","slug":"idfc-gaj","url":"https://m16s.in/cards/idfc-gaj/"},{"issuer":"IDFC First Bank","card_name":"Diamond Reserve","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":600000,"fee_notes":"Rs 3,000 + GST joining (upfront) and annual; annual waived on Rs 6 lakh annual spend. Plastic card.","welcome_benefit":"Claim-based brand offers stated as worth over Rs 5,000 (ET Prime, Lenskart, MakeMyTrip, Mokobara); 5% cashback up to Rs 1,000 on first EMI","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 150 on spends up to Rs 20,000 per statement cycle","base_return_pct":0.5,"accelerated_earn":"10X = 10 points per Rs 150 on incremental spend above Rs 20,000 per cycle and on birthday spends. App bookings: 20% bonus points on hotels, 10% on flights.","reward_caps":"Education, wallet load, government, rent and property 3X; utilities, insurance, railway, FASTag 1X; neither group counts towards the 10X threshold.","reward_exclusions":"International spends, EMI conversions, cash withdrawals, fuel, fees and charges","point_value":"1 point = Rs 0.25","points_expiry":"No expiry","reward_notes":"base_return_pct = 3 points per Rs 150 x Rs 0.25 = 0.5%; 1.67% above Rs 20,000 a cycle. Zero forex markup but international spends earn no points.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per quarter","lounge_conditions":"Needs Rs 20,000 spend in the previous calendar month; quarterly quota does not carry over. Railway lounges: 4 per quarter. Guest access not mentioned.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1%, up to Rs 300 per month","milestone_benefits":null,"other_freebies":"Golf: up to 2 rounds or lessons a month on Rs 20,000+ spend in a statement cycle. Movies: buy-1-get-1 up to Rs 250 off, twice a month, on Rs 20,000+ spend. Trip cancellation cover up to Rs 25,000.","interest_rate_monthly_pct":3.5,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Not stated","source_product_page":"https://www.idfcfirst.bank.in/credit-card/diamond-reserve-credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["late_payment_fee","networks"],"date_read":"2026-10-11","notes":"APR 8.5% to 42% a year per the card page; monthly figure is the maximum. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":270,"depth":"full","slug":"idfc-diamond-reserve","url":"https://m16s.in/cards/idfc-diamond-reserve/"},{"issuer":"IDFC First Bank","card_name":"FIRST Private","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":50000,"annual_fee":25000,"fee_waiver_spend":null,"fee_notes":"Rs 50,000 + GST joining, Rs 25,000 + GST annual, no spend waiver (aggregator).","welcome_benefit":"50,000 reward points (aggregator)","reward_currency":"Reward Points","base_earn":"10 points per Rs 150 on domestic spends","base_return_pct":6.67,"accelerated_earn":"App bookings: 50 bonus points on hotels, 20 on flights (per Rs 150)","reward_caps":"5 points per Rs 150 on international spends; 1 per Rs 150 on rent, utilities, insurance, government, FASTag, wallet loads, railways, gift vouchers, jewellery. App travel bonus capped at 25,000 points a month.","reward_exclusions":"Fuel, fees and GST, EMI conversions, loan on card, quasi-cash, cash withdrawals, balance transfers","point_value":"1 point = Rs 1 on the bank's travel portal; Rs 0.25 otherwise","points_expiry":null,"reward_notes":"Issuer listing states '40% value back on travel bookings'. base_return_pct = 10 points per Rs 150 x Rs 1 = 6.67% if redeemed on app travel; 1.67% at Rs 0.25. All rates from Card Insider.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited for primary and add-on","lounge_international":"Unlimited for primary and add-on","lounge_conditions":"4 domestic guest visits a year (aggregator)","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, no cap (aggregator)","milestone_benefits":null,"other_freebies":"Unlimited golf rounds or lessons; Rs 750 off BookMyShow twice a month (aggregator)","interest_rate_monthly_pct":0.75,"late_payment_fee":null,"cash_advance_fee":"Nil (aggregator)","eligibility":"By invitation only; criteria not published","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/idfc-first-private-credit-card/"],"source_quality":"mixed","unverified_fields":["accelerated_earn","annual_fee","base_earn","base_return_pct","cash_advance_fee","fuel_surcharge_waiver","interest_rate_monthly_pct","joining_fee","lounge_conditions","networks","other_freebies","point_value","reward_caps","reward_exclusions","welcome_benefit"],"date_read":"2026-10-11","notes":"Issuer listing page confirms invite-only metal card, zero forex and unlimited global lounge access; the dedicated product page could not be reached, so fee and reward numbers are from Card Insider (updated 3 Aug 2026).","id":271,"depth":"full","slug":"idfc-first-private","url":"https://m16s.in/cards/idfc-first-private/"},{"issuer":"IDFC First Bank","card_name":"Hello Cashback","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["cashback","secured","upi"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Joining Rs 1,000 + GST, shown as Rs 0 under a limited offer valid to 31 Oct 2026. Annual Rs 1,000 + GST from year 2: fully reversed on Rs 2 lakh annual spend, 50% reversed on Rs 1-2 lakh.","welcome_benefit":"None beyond the joining-fee offer","reward_currency":"Cashback","base_earn":"1% on in-store swipes, UPI via the IDFC FIRST app, and essentials (utility, rent, jewellery, wallet load, insurance, education, gift cards, government, FASTag, railway)","base_return_pct":1.0,"accelerated_earn":"3% on online spends up to Rs 10,000 per cycle; 5% on incremental online spends above Rs 10,000; extra 1% on hotels and flights booked in the bank app","reward_caps":"Online cashback Rs 1,000 per statement cycle; total cashback Rs 1,500 per cycle (Rs 18,000 a year). Online essentials and online fuel do not count towards the Rs 10,000 threshold.","reward_exclusions":"Fuel, cash withdrawals, EMIs, UPI payments made through other apps","point_value":"Cashback in rupees, adjusted against the next statement","points_expiry":"Does not expire","reward_notes":"Cashback is credited a day after the due date, only if the minimum amount due was paid on time; otherwise that cycle's cashback is forfeited. base_return_pct = 1% base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":"Roadside assistance worth Rs 1,399; personal accident cover Rs 2 lakh; lost card liability Rs 25,000","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"FD-backed route: age 18-80, Indian resident, FD of Rs 10,000 or more, limit 100% of FD, no income proof. Also issued unsecured.","source_product_page":"https://www.idfcfirst.bank.in/credit-card/hello-cashback-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","late_payment_fee","networks"],"date_read":"2026-10-11","notes":"At the Rs 1,000 online cap, 5% only applies to a narrow band: Rs 300 comes from the first Rs 10,000, leaving Rs 700, i.e. Rs 14,000 more online spend. Zero forex markup. Bank-wide rules read on issuer pages: points earned only on spends up to the credit limit per billing cycle (from 18 Jun 2026); points for a cycle are forfeited if the minimum amount due is not paid by the due date; Rs 99 + GST fee per reward redemption; over-limit fee 2.5% of over-limit amount, min Rs 550.","id":272,"depth":"full","slug":"idfc-hello-cashback","url":"https://m16s.in/cards/idfc-hello-cashback/"},{"issuer":"IDFC First Bank","card_name":"FIRST EARN","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["secured","cashback","upi"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Issuer listing shows Rs 499. Aggregator: joining nil for a limited time, annual Rs 499 + GST waived on Rs 1 lakh spend. Digital by default; physical card Rs 199.","welcome_benefit":"Up to Rs 250 cashback on the first transaction (10% within 15 days per aggregator)","reward_currency":"Cashback","base_earn":"0.5% on other eligible spends incl. utilities, insurance, wallet loads","base_return_pct":0.5,"accelerated_earn":"1% on UPI spends via the IDFC FIRST app","reward_caps":"Rs 500 per statement cycle (aggregator)","reward_exclusions":"EMI and cash transactions (aggregator)","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"base_return_pct = 0.5% base rate. Rates from issuer listing ('up to 1% cashback on UPI spends') and Card Insider.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"25% off movie tickets up to Rs 100 (issuer listing)","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"FD-backed; min FD Rs 5,000 (aggregator)","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/idfc-first-earn-credit-card/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["cash_advance_fee","eligibility","fee_waiver_spend","interest_rate_monthly_pct","joining_fee","late_payment_fee","reward_caps","reward_exclusions"],"date_read":"2026-10-31","notes":"Unlike most IDFC cards this one carries a 3.5% forex markup per Card Insider. Dedicated issuer page not read.","id":273,"depth":"full","slug":"idfc-first-earn","url":"https://m16s.in/cards/idfc-first-earn/"},{"issuer":"IDFC First Bank","card_name":"Quantum+","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["secured","cashback","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free, FD-backed (issuer listing).","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% on in-store spends and on UPI via the bank app","base_return_pct":1.0,"accelerated_earn":"Up to 2% on online spends (aggregator is inconsistent on whether 2% applies above or below Rs 10,000 per cycle)","reward_caps":"Not confirmed","reward_exclusions":null,"point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"Issuer listing: 'up to 2% cashback on everyday spends; 1% cashback on UPI via the app'. base_return_pct = 1%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Age 18-80; FD of Rs 10,000 or more (aggregator)","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/idfc-first-quantum-plus-credit-card/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","base_earn","eligibility","interest_rate_monthly_pct","late_payment_fee","networks"],"date_read":"2026-10-31","notes":"Dedicated issuer page not read.","id":274,"depth":"full","slug":"idfc-quantum","url":"https://m16s.in/cards/idfc-quantum/"},{"issuer":"IDFC First Bank","card_name":"FIRST SWYP","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Rs 499 + GST joining and annual (issuer listing). No spend waiver; aggregator says one successful referral waives the annual fee.","welcome_benefit":"Issuer listing: joining benefits worth Rs 4,000. Aggregator: 1,000 points on first EMI within 30 days, Lenskart Gold Max for a year, travel coupons.","reward_currency":"Reward Points","base_earn":"No per-rupee earn; points at monthly spend milestones","base_return_pct":null,"accelerated_earn":"Monthly spend milestones (not cumulative): Rs 5,000 = 200 points; 10,000 = 500; 15,000 = 1,000; 30,000 = 2,000; 60,000 = 4,000 (aggregator)","reward_caps":"4,000 points a month at Rs 60,000 spend","reward_exclusions":"Cash withdrawals, utilities and fuel do not count towards milestones (aggregator)","point_value":"1 point = Rs 0.25","points_expiry":null,"reward_notes":"Best case about 1.67% at exactly Rs 15,000, 30,000 or 60,000 a month (e.g. 1,000 x 0.25 / 15,000). No revolving credit: you pay in full or convert to EMI at a flat monthly fee from Rs 49 + GST. base_return_pct null because earn is stepwise.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (airport); 4 railway lounge visits per quarter (aggregator)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% up to Rs 200 a month (aggregator)","milestone_benefits":null,"other_freebies":"25% off movie tickets up to Rs 100 once a month; roadside assistance","interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199","eligibility":null,"source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/idfc-bank-first-swyp-credit-card/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","forex_markup_pct","fuel_surcharge_waiver","late_payment_fee","lounge_domestic","networks","point_value","reward_caps","reward_exclusions","welcome_benefit"],"date_read":"2026-10-11","notes":"No minimum-amount-due option and no interest rate: unpaid balances must be converted to EMI. Dedicated issuer page could not be reached.","id":275,"depth":"full","slug":"idfc-first-swyp","url":"https://m16s.in/cards/idfc-first-swyp/"},{"issuer":"IDFC First Bank","card_name":"IndiGo IDFC FIRST Dual Card","cobrand_partner":"IndiGo","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","travel","upi","secured"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Rs 4,999 + GST joining and annual (issuer listing). FD-backed variant: first year free with FD of Rs 50,000 or more, no welcome benefits (aggregator).","welcome_benefit":"5,000 BluChips voucher on fee payment, IndiGo meal voucher, 3-month EazyDiner Prime, Rs 3,000 hotel voucher; 3,000 BluChips on Rs 1 lakh spend in 90 days (aggregator)","reward_currency":"IndiGo BluChips","base_earn":"3 BluChips per Rs 100 on other eligible spends","base_return_pct":null,"accelerated_earn":"Up to 22 BluChips per Rs 100 on IndiGo web/app bookings (6 from the card + 8 member base + 4 channel + up to 4 tier bonus)","reward_caps":"0.5 BluChips per Rs 100 on UPI, rent, utilities, insurance, wallet; from 22 Jul 2026 also on FASTag, railway, government and education","reward_exclusions":"EMI transactions","point_value":"Set by IndiGo; aggregator estimates Rs 0.40-0.50 per BluChip","points_expiry":null,"reward_notes":"BluChips credited only after the due date if the minimum amount due is paid; otherwise the cycle's BluChips lapse (from July 2026). base_return_pct null because the bank states no BluChip value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":"5,000 BluChip voucher each at Rs 2, 5, 8, 10 and 12 lakh annual spend (max 25,000)","other_freebies":"Trip cancellation cover up to Rs 25,000 twice a year; air accident cover Rs 1 crore","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 per transaction","eligibility":null,"source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/indigo-idfc-first-credit-card/","https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","base_earn","interest_rate_monthly_pct","late_payment_fee","milestone_benefits","other_freebies","point_value","reward_caps","welcome_benefit"],"date_read":"2026-10-11","notes":"Issuer listing confirms the Rs 4,999 fee, zero forex markup, a 25,000 BluChips voucher headline and two cards (Mastercard + RuPay) on one limit. Dedicated issuer page not read.","id":276,"depth":"full","slug":"indigo-idfc-first-dual-card","url":"https://m16s.in/cards/indigo-idfc-first-dual-card/"},{"issuer":"IDFC First Bank","card_name":"LIC Select","cobrand_partner":"LIC","networks":null,"segment":"mid","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free.","welcome_benefit":"2,000 points on Rs 10,000 spend within 30 days; 5% cashback up to Rs 1,000 on first EMI","reward_currency":"Reward Points","base_earn":"5X = 5 points per Rs 125 on other spends","base_return_pct":1.0,"accelerated_earn":"10X = 10 points per Rs 125 on LIC premiums paid on licindia.in. App travel: bonus points on hotel and flight bookings.","reward_caps":"10X on only the first 5 LIC premium payments per statement cycle. Essentials (grocery, utilities, railways, FASTag, education, government) earn 5X capped at 600 points a month.","reward_exclusions":"Fuel, rent, non-LIC insurance, EMI transactions, cash withdrawals","point_value":"1 point = Rs 0.25","points_expiry":"3 years from the date earned","reward_notes":"base_return_pct = 5 points per Rs 125 x Rs 0.25 = 1.0%; LIC premiums 2.0%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"None","lounge_conditions":"Railway lounges: 4 per quarter. Spend condition not stated on the page.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 300 per month","milestone_benefits":null,"other_freebies":"Personal accident cover Rs 5 lakh; air accident cover Rs 1 crore; travel insurance Rs 4,000 per event; roadside assistance","interest_rate_monthly_pct":3.85,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 per transaction; interest-free up to 45 days","eligibility":"No LIC policy needed; existing IDFC FIRST credit cardholders are not eligible","source_product_page":"https://www.idfcfirst.bank.in/credit-card/lic-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"APR 8.5% to 46.2% (0.71% to 3.85% a month). Over-limit fee 2.5%, min Rs 550. Rs 99 redemption fee.","id":277,"depth":"full","slug":"idfc-lic-select","url":"https://m16s.in/cards/idfc-lic-select/"},{"issuer":"IDFC First Bank","card_name":"LIC Classic","cobrand_partner":"LIC","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (aggregator).","welcome_benefit":"1,000 points on Rs 5,000 spend within 30 days (aggregator)","reward_currency":"Reward Points","base_earn":"3 points per Rs 125","base_return_pct":0.6,"accelerated_earn":"6 points per Rs 125 on LIC premiums paid on licindia.in","reward_caps":"First 5 LIC premium payments per cycle; essentials share a 300-point monthly cap","reward_exclusions":"Rent, fuel, non-LIC insurance, cash advances, EMI conversions","point_value":"1 point = Rs 0.25","points_expiry":"3 years","reward_notes":"base_return_pct = 3 points per Rs 125 x Rs 0.25 = 0.6%. All from cardadvisor.in; the issuer LIC page details only LIC Select.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (aggregator page is inconsistent)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 200-5,000 txns, cap Rs 200 per cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":"Age 21-60, income Rs 25,000 a month (aggregator)","source_product_page":"https://www.idfcfirst.bank.in/credit-card/lic-credit-card","source_mitc_or_tnc":null,"source_other":["https://cardadvisor.in/cards/idfc-lic-classic"],"source_quality":"mixed","unverified_fields":["accelerated_earn","base_earn","base_return_pct","eligibility","fuel_surcharge_waiver","lounge_domestic","networks","point_value","points_expiry","reward_caps","reward_exclusions","welcome_benefit"],"date_read":"2026-10-11","notes":"Fair-usage fee of 1% if FASTag recharges exceed Rs 10,000 or railway spends exceed Rs 25,000 in a cycle (aggregator).","id":278,"depth":"full","slug":"idfc-lic-classic","url":"https://m16s.in/cards/idfc-lic-classic/"},{"issuer":"IDFC First Bank","card_name":"FIRST Power+ (HPCL)","cobrand_partner":"HPCL","networks":["RuPay"],"segment":"entry","card_type":["cobrand","fuel","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":150000,"fee_notes":"Rs 499 + GST joining and annual; waived on Rs 1.5 lakh previous-year spend (aggregator).","welcome_benefit":"Rs 500 voucher on first HPCL fuel txn above Rs 500; 5% cashback up to Rs 1,000 on first EMI (issuer listing: welcome benefits up to Rs 2,500)","reward_currency":"Reward Points","base_earn":"3X = 3 points per Rs 150 on other retail","base_return_pct":0.5,"accelerated_earn":"30X on HPCL fuel and LPG; 5% as points on grocery and utility; 5% on FASTag","reward_caps":"HPCL fuel: 2,400 points (Rs 600) per cycle; grocery and utility Rs 2,000 a month; FASTag Rs 1,000 a month","reward_exclusions":null,"point_value":"1 point = Rs 0.25","points_expiry":null,"reward_notes":"Issuer listing states 'up to 6.5% fuel savings'. base_return_pct = 3 points per Rs 150 x Rs 0.25 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":"Needs Rs 20,000 monthly spend (aggregator)","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"25% off movie tickets up to Rs 100 once a month; roadside assistance","interest_rate_monthly_pct":3.65,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199","eligibility":"Age 21+, income Rs 3 lakh a year (aggregator)","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/idfc-hpcl-first-power-plus-credit-card/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","base_earn","eligibility","fee_waiver_spend","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","lounge_conditions","networks","point_value","reward_caps"],"date_read":"2026-10-11","notes":"Dedicated issuer page not read; issuer listing confirms the fuel-savings headline and 1 domestic lounge visit per quarter.","id":279,"depth":"full","slug":"idfc-first-power-hpcl","url":"https://m16s.in/cards/idfc-first-power-hpcl/"},{"issuer":"IDFC First Bank","card_name":"FIRST Power (HPCL)","cobrand_partner":"HPCL","networks":["RuPay"],"segment":"entry","card_type":["cobrand","fuel","upi"],"status":"open","joining_fee":199,"annual_fee":199,"fee_waiver_spend":null,"fee_notes":"Rs 199 + GST joining and annual per Card Insider's issuer summary; not shown on the issuer listing.","welcome_benefit":"Issuer listing: welcome benefits worth Rs 2,250. Aggregator: Rs 250 voucher on first HPCL fuel txn above Rs 250.","reward_currency":"Reward Points","base_earn":"2X rewards on UPI and retail","base_return_pct":null,"accelerated_earn":"Up to 5% fuel savings at HPCL; 2.5% on utilities, grocery and FASTag (aggregator)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"App travel bonus: 26.67% on hotels, 13.33% on flights (aggregator). Point unit for 2X not read, so base_return_pct left null.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":"Rs 199 + GST per withdrawal; interest-free up to 45 days; max Rs 10,000 per withdrawal","eligibility":null,"source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/","https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","annual_fee","cash_advance_fee","forex_markup_pct","joining_fee","late_payment_fee","networks"],"date_read":"2026-10-11","notes":"Thin entry: dedicated issuer and aggregator pages not read.","id":280,"depth":"partial","slug":"idfc-first-power-hpcl-280","url":"https://m16s.in/cards/idfc-first-power-hpcl-280/"},{"issuer":"IDFC First Bank","card_name":"FIRST Digital RuPay (virtual UPI card)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","rewards"],"status":"open","joining_fee":199,"annual_fee":199,"fee_waiver_spend":null,"fee_notes":"Rs 199 + GST joining and Rs 199 + GST a year from year 2. Issued as a companion to an existing IDFC FIRST card and shares its limit.","welcome_benefit":"100% cashback up to Rs 200 (Rs 50 each on first 4 UPI transactions), limited period","reward_currency":"Reward Points","base_earn":"1X on UPI spends of Rs 2,000 or less and on insurance, utility, FASTag and railway spends","base_return_pct":null,"accelerated_earn":"3X on UPI spends above Rs 2,000","reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (as on the parent card)","points_expiry":null,"reward_notes":"Earn unit follows the parent card. base_return_pct not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"15% of total amount due, min Rs 100, max Rs 1,300","cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/idfc-first-bank/","https://www.idfcfirst.bank.in/credit-card/select","https://www.idfcfirst.bank.in/credit-card/lic-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","forex_markup_pct","late_payment_fee","point_value"],"date_read":"2026-10-31","notes":"Virtual card; replacement fee nil. Earn rates from Card Insider's summary; fee and welcome offer from issuer card pages.","id":281,"depth":"full","slug":"idfc-first-digital-rupay-virtual-upi-card","url":"https://m16s.in/cards/idfc-first-digital-rupay-virtual-upi-card/"},{"issuer":"IDFC First Bank","card_name":"Business Multiplier","cobrand_partner":null,"networks":null,"segment":"premium","card_type":["business","secured","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee. Add-on cards (up to 5) Rs 250 + GST each. Metal, FD-backed.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"10 points per Rs 200 on domestic spends up to Rs 1 lakh per statement cycle","base_return_pct":1.25,"accelerated_earn":"App bookings: up to 33% bonus on hotels, 20% on flights","reward_caps":"5 points per Rs 200 on spends above Rs 1 lakh per cycle. UPI: 3X above Rs 2,000, 1X below; utility and insurance via UPI 1X.","reward_exclusions":"Fuel, insurance, EMI transactions, cash withdrawals, rent and property management, utilities","point_value":"1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 10 points per Rs 200 x Rs 0.25 = 1.25% on the first Rs 1 lakh a cycle; 0.625% above.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary (count not stated)","lounge_international":"Complimentary global lounge access (count not stated)","lounge_conditions":"Needs Rs 20,000 spend in the previous calendar month","forex_markup_pct":0.0,"fuel_surcharge_waiver":"Up to Rs 400 per month","milestone_benefits":null,"other_freebies":"Roadside assistance; travel insurance Rs 25,000 cover, 2 claims a year","interest_rate_monthly_pct":1.0,"late_payment_fee":null,"cash_advance_fee":"Fee not stated; cash up to 100% of limit","eligibility":"Sole proprietors and self-employed; FD of Rs 50,000 or more; PAN, Aadhaar and GST number","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":"https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Business-Multiplier-Product-Guide.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Interest 12% a year (1% a month). Utility surcharge waived up to Rs 30,000 a month via the bank app; fuel fees apply above Rs 30,000 a month.","id":282,"depth":"full","slug":"idfc-business-multiplier","url":"https://m16s.in/cards/idfc-business-multiplier/"},{"issuer":"IDFC First Bank","card_name":"Business Max","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["business","secured"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (issuer listing).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Assured, FD-backed; up to 6 reward points on business spends; 12% a year interest","interest_rate_monthly_pct":1.0,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"FD-backed business card","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"Only the issuer listing page was read; reward unit, caps and charges not documented.","id":283,"depth":"fees-only","slug":"idfc-business-max","url":"https://m16s.in/cards/idfc-business-max/"},{"issuer":"IDFC First Bank","card_name":"FIRST Business","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fee not stated on issuer listing.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"2 lounge visits per quarter; up to 3X points on UPI spends; cash management for business payments","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Business customers","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"Only the issuer listing page was read; reward unit, caps and charges not documented.","id":284,"depth":"fees-only","slug":"idfc-first-business","url":"https://m16s.in/cards/idfc-first-business/"},{"issuer":"IDFC First Bank","card_name":"FIRST Corporate","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (issuer listing).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Business card for travel and working capital needs","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporate programme","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"Only the issuer listing page was read; reward unit, caps and charges not documented.","id":285,"depth":"fees-only","slug":"idfc-first-corporate","url":"https://m16s.in/cards/idfc-first-corporate/"},{"issuer":"IDFC First Bank","card_name":"FIRST Purchase","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (issuer listing).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Business card for purchases and working capital needs","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporate programme","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"Only the issuer listing page was read; reward unit, caps and charges not documented.","id":286,"depth":"fees-only","slug":"idfc-first-purchase","url":"https://m16s.in/cards/idfc-first-purchase/"},{"issuer":"IDFC First Bank","card_name":"Micro Enterprise Credit Card","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"First year free (issuer listing); later fee not stated.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Up to 3X points on business spends; zero forex markup","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Udyam-registered micro enterprises","source_product_page":"https://www.idfcfirst.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Only the issuer listing page was read; reward unit, caps and charges not documented.","id":287,"depth":"fees-only","slug":"idfc-micro-enterprise-credit-card","url":"https://m16s.in/cards/idfc-micro-enterprise-credit-card/"},{"issuer":"IDFC First Bank","card_name":"Club Vistara IDFC FIRST","cobrand_partner":"Air India (formerly Club Vistara)","networks":["Mastercard"],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Legacy co-brand; fees not read.","welcome_benefit":null,"reward_currency":"Maharaja Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Per Card Insider (May 2026): Maharaja Points are earned only on spends up to the credit limit per billing cycle and redeem only through Air India's Maharaja Club.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/blog/idfc-credit-cards-hit-another-major-devaluation/"],"source_quality":"aggregator","unverified_fields":["networks","reward_currency","status"],"date_read":"2026-10-11","notes":"Not on IDFC's current listing page. Existing cards still serviced after the Vistara-Air India merger. Fees and earn rates could not be documented.","id":288,"depth":"fees-only","slug":"club-vistara-idfc-first","url":"https://m16s.in/cards/club-vistara-idfc-first/"},{"issuer":"IndusInd Bank","card_name":"Legend","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Product page states no joining or annual fee amount and does not call the card lifetime free; it says welcome gifts apply only on select fee plans. Earlier reading: issuer listing labelled the card Lifetime Free, while the issuer MITC fee table prints Rs 5,000 joining and nil annual fee. Confirm the fee plan at application.","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on weekdays (Mon-Fri); 2 RP per Rs 100 on weekends (Sat, Sun), by transaction date","base_return_pct":0.5,"accelerated_earn":"2 RP per Rs 100 on weekends","reward_caps":"Cash credit redemption max 5,000 RP per statement cycle; cash credit limited to 50% of points balance (from 25 Mar 2025)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Medical, automobile and telecom spend earns 1 RP per Rs 100 on weekdays and weekends (from 1 Jan 2022). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019)","point_value":"1 RP = Rs 0.50 cash credit (cut from Rs 0.75 on 1 Mar 2024); Rs 0.75 non-cash catalogue","points_expiry":"No expiry while the card account is live","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.50 cash credit on weekday spend; 1.0% on weekends. Redemption fee Rs 149 + GST cash, Rs 100 other. Fractional points discontinued Mar 2025.","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"Card Insider: 400 RP = 100 KrisFlyer miles (4:1), min 500 RP; Book1A lists Maharaja Club 4:1 but KrisFlyer 1:1. Sources conflict.","lounge_domestic":"None. Lounge access feature discontinued effective 7 Mar 2025","lounge_international":"No complimentary visits. Lounge access discontinued effective 7 Mar 2025 (page still carries older Priority Pass copy); MITC: Priority Pass visits charged up to USD 35","lounge_conditions":"No complimentary visits (issuer page notice and MITC)","forex_markup_pct":1.8,"fuel_surcharge_waiver":"1% waiver at any fuel station in India; MITC: 1% + GST fee on fuel spend above Rs 30,000/cycle","milestone_benefits":"3,000 bonus RP on spends of Rs 5,00,000 or more within one year of card issue","other_freebies":"BookMyShow buy-one-get-one: one free ticket a month (from 1 Jun 2023; three before), free ticket capped at Rs 200, extra Rs 50 off F&B; concierge; Auto Assist roadside help in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit; Visa offers incl. Times Prime annual membership and MakeMyTrip (T&C)","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/legend-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-legend-credit-card/","https://cardinsider.com/blog/indusind-bank-legend-credit-card-devaluation/","https://book1a.com/tools/transfers/indusind"],"source_quality":"mixed","unverified_fields":["base_return_pct","reward_caps","point_value","transfer_ratio","eligibility","joining_fee"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Page gives no cash value per point, no redemption cap and no airline ratio, so point_value, reward_caps, transfer_ratio and base_return_pct still rest on aggregators. The page's savings illustration is stale (it assumes 450 points a month on Rs 30,000). Club Vistara redemption ended 31 Oct 2024, InterMiles 21 Jan 2025. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (bank-wide Aug 2019 reduced-earn table). CONFLICTS (issuer page used; old value and source): reward_exclusions: old 'No RP on fuel, utilities, rent, education, government, insurance' (Card Insider); issuer text gives 0.70 RP per Rs 100 on utilities/insurance/government/education and no RP on fuel only | joining_fee: old 0 on the strength of an issuer 'Lifetime Free' label; product page text has no such label and no fee figure, MITC prints Rs 5,000. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh (Card Insider); fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":289,"depth":"full","slug":"indusind-legend","url":"https://m16s.in/cards/indusind-legend/"},{"issuer":"IndusInd Bank","card_name":"Pinnacle World","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":15000,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"One-time joining fee Rs 15,000, no annual fee. 'Pinnacle for Grande' variant: Rs 5,000 joining fee charged only if Rs 50,000 is not spent in 90 days.","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on PoS, MoTo, IVR and standing-instruction spend","base_return_pct":0.75,"accelerated_earn":"2.5 RP per Rs 100 on e-commerce; 1.5 RP per Rs 100 on e-commerce travel and airline spend","reward_caps":"Cash credit redemption max 7,500 RP per statement cycle; cash credit limited to 50% of balance","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 on POS and e-commerce spend (issuer notice effective 1 Aug 2019). RP on rent paid through third-party merchants capped at 500 per statement cycle (from 3 Jan 2023)","point_value":"1 RP = Rs 0.75 cash credit","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.75; 1.875% on online spend. Redemption fee Rs 149 + GST cash.","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"Card Insider: 2 RP = 1 KrisFlyer mile and 2 RP = 1 Maharaja point; Book1A lists KrisFlyer 1:1, Maharaja 2:1. KrisFlyer capped at 10,000 points per month.","lounge_domestic":"1 per calendar quarter; from the July 2026 quarter access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)","lounge_international":"1 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025)","lounge_conditions":"Domestic access is spend-linked from the July 2026 quarter. Priority Pass visits beyond the free quota charged up to USD 35 per person per visit (issuer MITC)","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any fuel station in India; MITC: 1% + GST fee on fuel spend above Rs 50,000/cycle","milestone_benefits":null,"other_freebies":"Golf: 1 game and 1 lesson per month (effective 13 Mar 2025), needs Rs 25,000 spend in the last statement; hole-in-one insurance Rs 20,000; BookMyShow buy-one-get-one up to 3 free tickets a month, Rs 200 cap each; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); concierge; Auto Assist in six metros; Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":"Income/ITR Rs 10 lakh a year (salaried), Rs 12 lakh (self-employed)","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-pinnacle-credit-card/","https://book1a.com/tools/transfers/indusind"],"source_quality":"mixed","unverified_fields":["base_return_pct","reward_caps","point_value","points_expiry","transfer_ratio","milestone_benefits"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Page gives no fee, no cash value per point, no cash redemption cap and no airline ratio; those fields are unchanged. Page illustration values points at Rs 0.75 but is not a statement of terms. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): welcome_benefit: old 'Oberoi voucher, Luxe gift card Rs 5,000, Postcard, Montblanc or brand vouchers' (Card Insider); page lists Montblanc, Postcard Hotel, Vouchagram, Vouchagram Premium, on select fee plans only. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh; fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":290,"depth":"full","slug":"indusind-pinnacle-world","url":"https://m16s.in/cards/indusind-pinnacle-world/"},{"issuer":"IndusInd Bank","card_name":"Nexxt","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":10000,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"One-time joining fee Rs 10,000; no annual fee","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024); Pay with Rewards at POS needs at least 500 RP","reward_exclusions":"No RP on fuel","point_value":"Aggregator: 1 RP = Rs 0.75 cash credit. Issuer page states no rate; its savings illustration works out to Rs 0.75 (2,400 RP = Rs 1,800) but the page also flags unspecified changes to cash credit redemption","points_expiry":"No expiry date (issuer FAQ)","reward_notes":"base_return_pct = (1/150) x Rs 0.75 (aggregator cash value, not issuer-stated, so not recomputed). Card has LED buttons to pay by credit, EMI (12% for 6/12/18/24 months) or reward points at the terminal.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":"None complimentary","lounge_international":"Priority Pass on request; every visit charged up to USD 35","lounge_conditions":"No complimentary visits","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India, Rs 400-4,000 transactions (issuer Nexxt MITC); 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, up to 2 free tickets a month, Rs 200 cap each; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/nexxt-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-nexxt-credit-card/","https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/Nexxt-Card-MITC.pdf"],"source_quality":"mixed","unverified_fields":["base_return_pct","accelerated_earn","reward_exclusions","point_value","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility","networks"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Page is silent on fees, fuel earn, lounges and network. Bank-wide Aug 2019 reduced-earn revision is stated as not applicable to Nexxt. CONFLICTS (issuer page used; old value and source): transfer_partners: old [] (Card Insider); page lists Airline Miles on KrisFlyer as a redemption option, ratio not given | welcome_benefit: old 'Oberoi, Luxe, Postcard Hotels, Montblanc vouchers' (Card Insider); page lists Montblanc, Postcard, Vouchagram, Vouchagram Premium on select fee plans. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":291,"depth":"full","slug":"indusind-nexxt","url":"https://m16s.in/cards/indusind-nexxt/"},{"issuer":"IndusInd Bank","card_name":"Tiger","cobrand_partner":"Tiger Fintech (Bajaj Capital)","networks":["Visa"],"segment":"mid","card_type":["rewards","travel","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free","welcome_benefit":"None","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 (first Rs 1,00,000 of spend in the card anniversary year)","base_return_pct":0.4,"accelerated_earn":"Slabs on spend in the card anniversary year, applied to incremental spend: Rs 1,00,001-2,50,000 2 RP per Rs 100; Rs 2,50,001-5,00,000 4 RP; above Rs 5,00,000 6 RP (multipliers read from the issuer illustration: Rs 6 lakh a year earns 1,000 + 3,000 + 10,000 + 6,000 = 20,000 RP)","reward_caps":"Cash credit max 5,000 RP per calendar month (effective 1 Sep 2024); RP earning capped up to the credit limit","reward_exclusions":"Fuel earns no RP. No accelerated RP on utility bills, insurance premiums, government services, educational institutes, real estate and rent","point_value":"1 RP = Rs 0.40 cash credit; Rs 0.40 on IndusMoments vouchers","points_expiry":"24 months from accrual (issuer Tiger MITC)","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.40 cash (both issuer-stated); 2.4% at the top slab. Redemption fee Rs 100 per issuer Tiger MITC.","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"4 RP = 1 KrisFlyer mile (issuer page). Maharaja Club ratio not on page; aggregators say 1:1","lounge_domestic":"2 per calendar quarter (8 a year)","lounge_international":"2 per year via Priority Pass, outside India","lounge_conditions":"No spend condition stated on page; extra Priority Pass visits up to USD 35 (MITC)","forex_markup_pct":1.5,"fuel_surcharge_waiver":"1% waiver on Rs 400-4,000 transactions (issuer Tiger MITC); 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Golf: 1 complimentary game or lesson per quarter, no minimum spend; one complimentary BookMyShow ticket up to Rs 500 every 6 months; concierge; Auto Assist; Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/fintech-cards/indusind-bank-tiger-credit-card/","https://m.indusind.com/content/dam/indusind-corporate/Other/welcomekit/Bajaj-Tiger-CC-MITC-new.pdf","https://book1a.com/tools/transfers/indusind"],"source_quality":"mixed","unverified_fields":["welcome_benefit","transfer_ratio","milestone_benefits","eligibility","networks"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Earn slabs run on card anniversary year spend, which settles the earlier monthly-versus-annual doubt. Page does not state fees, network or a welcome benefit. Club Vistara redemption ended 31 Oct 2024, InterMiles 21 Jan 2025. CONFLICTS (issuer page used; old value and source): transfer_ratio (KrisFlyer): old Book1A 1:1 and Card Insider 400 RP = 120 miles; issuer page 4 RP = 1 KrisFlyer mile | other_freebies: old 'BookMyShow BOGO once every six months up to Rs 500' (Card Insider); page says one complimentary ticket up to Rs 500 every 6 months. Earlier non-issuer data not found on the issuer page (unconfirmed): KrisFlyer max 10,000 RP per calendar month; air accident cover Rs 25 lakh. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":292,"depth":"full","slug":"indusind-tiger","url":"https://m16s.in/cards/indusind-tiger/"},{"issuer":"IndusInd Bank","card_name":"Samman RuPay","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","upi"],"status":"open","joining_fee":0,"annual_fee":199,"fee_waiver_spend":75000,"fee_notes":"Annual fee Rs 199 charged only if Rs 75,000 is not spent in the card anniversary year","welcome_benefit":"None","reward_currency":"Cashback","base_earn":"1% cashback on retail spend, on up to Rs 20,000 of spend per statement cycle","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Max cashback Rs 200 per statement cycle; spend above Rs 20,000 in a cycle earns nothing","reward_exclusions":"Not listed by sources read","point_value":"Cashback credited to the card account in the following statement cycle","points_expiry":null,"reward_notes":"base_return_pct = 1% on the first Rs 20,000 per cycle; nothing above that.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Aggregator mentions RuPay lounge access (Delhi T3) once a month; issuer MITC lists no Priority Pass","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India, Rs 400-4,000 transactions (issuer Samman MITC); 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"1% railway surcharge waiver on IRCTC site and app, transactions up to Rs 5,000; one assured BookMyShow ticket up to Rs 200 every 6 months; nil cash advance fee; UPI linkable, with biometric authentication; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection)","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"Waived (interest still applies)","eligibility":"Government sector employees only","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/samman-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-samman-rupay-credit-card/","https://bank.indusind.bank.in/content/dam/indusind-corporate/credit-cards/Samman_Govt-Card_MITC.pdf"],"source_quality":"mixed","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Page does not mention airport lounges or the annual fee; those fields are unchanged. Earlier non-issuer data not found on the issuer page (unconfirmed): railway surcharge waiver capped at Rs 600 a year (Card Insider). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":293,"depth":"full","slug":"indusind-samman-rupay","url":"https://m16s.in/cards/indusind-samman-rupay/"},{"issuer":"IndusInd Bank","card_name":"Platinum Aura Edge","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free per issuer MITC and earlier reading; the product page states no fee and points to the Schedule of Charges. Also the usual card issued against a fixed deposit.","welcome_benefit":"Only on select fee plans: Vouchagram or Vouchagram Premium vouchers","reward_currency":"Savings Points","base_earn":"0.5 savings point per Rs 100 on spend outside the chosen plan's categories","base_return_pct":0.25,"accelerated_earn":"Pick one of four plans (savings points per Rs 100). Shop: 4 department stores, 2 consumer durables/electronics, 1.5 restaurants, 1.5 books. Home: 4 grocery, 1.4 cellphone bills, 1.4 electricity bills, 1.4 insurance premium (cut from 2.5 / 2.5 / 1.5 on 1 Aug 2019), 1.5 medical. Travel: 4 hotels, 2.5 airline tickets, 1.5 car rental, 1.5 rail tickets. Party: 4 restaurants, 2 department stores, 2 bars and pubs, 1.5 movie tickets. Headline: up to 8X","reward_caps":"Cash credit redemption max 2,500 points per calendar month (effective 1 Sep 2024)","reward_exclusions":"No points on fuel (from 1 Apr 2018)","point_value":"Issuer plan tables: 1 savings point = Re 0.50 against card dues, or 0.5 airline mile. The same page flags later changes to cash credit redemption without giving a rate; aggregator says Rs 0.40","points_expiry":null,"reward_notes":"base_return_pct = 0.5 point per Rs 100 x Re 0.50 (issuer plan tables) = 0.25%; 2.0% in the top category of the chosen plan. Treat as uncertain: the page says cash credit redemption has changed and the aggregator rate of Rs 0.40 would give 0.2%. Plan change fee Rs 250 and redemption fee Rs 100-149 per earlier reading.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"1 savings point = 0.5 airline mile (issuer plan tables); KrisFlyer is the airline option listed","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at all petrol pumps in India; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-visa-and-mastercard-credit-card-easy-credit.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-platinum-aura-edge-credit-card/","https://www.paisabazaar.com/indusind-bank/fd-credit-card/"],"source_quality":"mixed","unverified_fields":["base_return_pct","point_value","points_expiry","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Notice on page: certain features revised from 30 Nov 2021 (details behind a link, not fetched). Page says nothing on lounges, expiry or eligibility. Club Vistara redemption ended 31 Oct 2024, InterMiles 21 Jan 2025. CONFLICTS (issuer page used; old value and source): point_value: old Rs 0.40 cash credit (Card Insider); issuer plan tables say Re 0.50 (page also flags unspecified later changes) | base_return_pct: old 0.2; recomputed 0.25 from issuer figures | transfer_ratio: old 400 points = 100 KrisFlyer miles (Paisabazaar); issuer plan tables say 1 point = 0.5 airline mile | accelerated_earn Home plan: old 2.5 on electricity/mobile bills and 1.5 on insurance (Card Insider); issuer page 1.4 on all three since 1 Aug 2019. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":294,"depth":"full","slug":"indusind-platinum-aura-edge","url":"https://m16s.in/cards/indusind-platinum-aura-edge/"},{"issuer":"IndusInd Bank","card_name":"Platinum (Visa)","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free per issuer MITC and earlier reading; the product page states no fee and says welcome gifts apply only on select fee plans","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers","reward_currency":"Reward Points","base_earn":"1.5 RP per Rs 150","base_return_pct":0.4,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 1.2 RP per Rs 150 (issuer notice effective 1 Aug 2019)","point_value":"1 RP = Rs 0.40 cash credit; Rs 0.60 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = (1.5/150) x Rs 0.40 cash credit = 0.4%; 0.6% at the Rs 0.60 non-cash value. Earn base of Rs 150 confirmed on the issuer page.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"400 RP = 100 KrisFlyer miles (Paisabazaar)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Personal air accident cover up to Rs 25 lakh; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-visa-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-platinum-credit-card/","https://www.paisabazaar.com/indusind-bank/fd-credit-card/"],"source_quality":"mixed","unverified_fields":["accelerated_earn","points_expiry","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. BookMyShow offer discontinued effective 1 Oct 2022. Same product is also issued on Mastercard (see Platinum Master). Page says nothing on lounges or the KrisFlyer ratio. CONFLICTS (issuer page used; old value and source): other_freebies: old list included auto assist and concierge (Card Insider); neither is on the issuer page. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000; auto assist and concierge. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":295,"depth":"full","slug":"indusind-platinum-visa","url":"https://m16s.in/cards/indusind-platinum-visa/"},{"issuer":"IndusInd Bank","card_name":"Platinum RuPay","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi","lifetime-free"],"status":"open","joining_fee":null,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuer page headline: 'No Annual Fees'. Its FAQ says the card 'has only a one-time joining fee applicable; there is no annual fee' and then 'Apply for the lifetime-free RuPay Credit Card now'. No joining fee amount is given on the page. Issuer MITC fee table prints Rs 10,000 against this card. Joining fee left null; confirm at application.","welcome_benefit":"None","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on non-UPI spend","base_return_pct":0.35,"accelerated_earn":"2 RP per Rs 100 on UPI transactions","reward_caps":"RP earned only on spends up to the assigned credit limit in each statement cycle; cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"0.70 RP per Rs 100 on select merchant categories, UPI and non-UPI (category list not on page); no RP on fuel","point_value":"Non-cash redemption (excluding airmiles) 1 RP = Rs 0.60 from 15 Dec 2024 (issuer page). Cash credit value not on page; aggregator: Rs 0.35","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.35 aggregator cash value (not issuer-stated, so not recomputed); 0.7% on UPI. At the issuer-stated non-cash value of Rs 0.60 the base is 0.6% and UPI 1.2%.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"400 RP = 100 KrisFlyer miles (Card Insider)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Travel insurance worth Rs 2.25 lakh: lost baggage up to Rs 1 lakh, passport loss Rs 50,000, delayed baggage, lost ticket and missed connection Rs 25,000 each; Total Protect fraud cover up to the credit limit; UPI with biometric authentication","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-platinum-rupay-credit-card/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_return_pct","point_value","points_expiry","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility","joining_fee"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Forex markup 3.5% confirmed on page. Poonawalla Fincorp eLITE RuPay cards were upgraded into this card effective 5 Oct 2025. Page says nothing on lounges, welcome benefit, cash value per point or the KrisFlyer ratio. CONFLICTS (issuer page used; old value and source): joining_fee: old 0 ('issuer site labels it Lifetime Free'); page FAQ says a one-time joining fee applies, amount not given, while also calling the card lifetime-free; MITC prints Rs 10,000 | reward_exclusions: old 'No RP on utilities, government, insurance, education, fuel, rent' (Card Insider); page says 0.70 RP per Rs 100 on select categories and none on fuel. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver capped at Rs 40 per month (Card Insider). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":296,"depth":"full","slug":"indusind-platinum-rupay","url":"https://m16s.in/cards/indusind-platinum-rupay/"},{"issuer":"IndusInd Bank","card_name":"Avios Visa Infinite","cobrand_partner":"Avios Group (AGL) and Qatar Airways; airline programme chosen at application: Qatar Airways Privilege Club or British Airways Executive Club","networks":["Visa"],"segment":"premium","card_type":["travel","cobrand"],"status":"open","joining_fee":10000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver","welcome_benefit":"20,000 bonus Avios, credited 15 days after the joining fee is received; 5,000 bonus Avios on payment of the renewal fee","reward_currency":"Avios","base_earn":"1 Avios per Rs 200 on other domestic and international spend (aggregator figure; the values in the issuer earn table did not come through in the fetched page text)","base_return_pct":null,"accelerated_earn":"Per Rs 200: 6 Avios on point-of-sale spend at the chosen preferred international destination; 3 Avios on online spend at that destination (issuer page). Qatar Airways / British Airways website and app is a separate row whose value did not come through; the page links 'terms and conditions on 5 Avios' and the aggregator says 5","reward_caps":"Avios earned only on spends up to the assigned credit limit in each statement cycle","reward_exclusions":"No Avios on fuel. Utilities, government services, education and insurance form a separate lower-earn row (value not in fetched text; aggregator: 1 Avios per Rs 200)","point_value":"Avios are credited to the chosen airline account about 10 days after statement generation and redeemed under that airline programme's rules; no cash redemption","points_expiry":"Per airline programme rules","reward_notes":"base_return_pct left null: Avios have no fixed rupee value. Issuer page confirms 6 and 3 Avios per Rs 200 at the preferred destination; the other earn rows are unreadable in the fetched text.","transfer_partners":["Qatar Airways Privilege Club","British Airways Executive Club"],"transfer_ratio":"Direct earn in Avios; airline programme chosen at application","lounge_domestic":"2 per calendar quarter","lounge_international":"2 per calendar quarter via Priority Pass, outside India","lounge_conditions":"Priority Pass card issued on request. Visits beyond 2 a quarter, all guest visits, and any Priority Pass use within India are charged up to USD 35","forex_markup_pct":1.5,"fuel_surcharge_waiver":"1% waiver at any fuel station in India; MITC: 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":"18,000 bonus Avios after the first Rs 8,00,000 of spend in a year and 18,000 after the second Rs 8,00,000 (max 36,000 a year)","other_freebies":"2 complimentary airport meet-and-greet services a year at leading international airports; international travel health insurance up to USD 25,000 (ticket bought on the card, age up to 65, trips up to 60 days); travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); up to 10% off Qatar Airways flights from India for Privilege Club members; concierge and elderly care assist (services at cost); metal card; Visa Infinite offers; no cash advance fee and no rent surcharge (MITC)","interest_rate_monthly_pct":3.0,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"Waived","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-avios-visa-infinite-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","accelerated_earn","reward_exclusions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Forex markup is 1.5% only on point-of-sale transactions at the one preferred international destination chosen at application (page); 3.5% elsewhere (issuer MITC). Preferred destination can be changed after a card anniversary year. Destination groups: Americas; Europe and North Asia; Middle East and South Asia; Africa; Australia, New Zealand, Far East and others. CONFLICTS (issuer page used; old value and source): other_freebies: old 'air accident cover Rs 25 lakh' (Card Insider); page states a USD 25,000 international travel health cover instead and no Rs 25 lakh cover | accelerated_earn: old said 3 Avios on 'other eligible spend'; page ties 3 Avios to online spend at the preferred destination. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 500-10,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":297,"depth":"full","slug":"indusind-avios-visa-infinite","url":"https://m16s.in/cards/indusind-avios-visa-infinite/"},{"issuer":"IndusInd Bank","card_name":"EazyDiner Signature","cobrand_partner":"EazyDiner","networks":["Visa"],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 2,999 and annual fee Rs 2,999 (issuer page); no spend-based waiver stated","welcome_benefit":"12-month EazyDiner Prime membership worth Rs 3,550, 2,000 bonus EazyPoints and a Postcard Hotel stay voucher worth Rs 7,500; all three repeat on payment of the renewal fee","reward_currency":"Reward Points","base_earn":"4 RP per Rs 100 on all other spend (except fuel and dining)","base_return_pct":0.4,"accelerated_earn":"10 RP per Rs 100 on hotel and travel bookings, shopping and entertainment; 3X EazyPoints on the EazyDiner app","reward_caps":"RP earned only on spends up to the assigned credit limit per statement cycle. PayEazy extra 25% off capped at Rs 1,000 per transaction; Rs 2,000 a month with no spend condition, plus Rs 3,000 more in a month if Rs 30,000 of non-dining spend was made in the previous calendar month (max Rs 5,000 a month)","reward_exclusions":"No RP on dining and fuel","point_value":"1 RP = Rs 0.10 against restaurant bills via PayEazy (issuer illustration); other redemptions through the EazyDiner app catalogue; no cash credit","points_expiry":"1 year","reward_notes":"base_return_pct = 4 RP per Rs 100 x Rs 0.10 (both issuer-stated). The real value is the dining discount: 25% Prime discount plus an additional 25% via PayEazy.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Not mentioned on the issuer product page; aggregator lists none","lounge_international":"None (no Priority Pass per MITC)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at all fuel stations in India, GST on surcharge borne by cardholder; MITC: 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Complimentary premium alcoholic beverage per diner at 200+ select restaurants booked through the EazyDiner app; year-end summary of accounts; Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":"Aggregator: age 21+, credit score 750+","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/eazydiner-indusind-bank-credit-card/"],"source_quality":"mixed","unverified_fields":["points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_conditions","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Network: issuer text says the EazyDiner Signature and Platinum cards are on the Visa platform. Extra 25% off applies only when paying in the EazyDiner app via PayEazy, not on physical card swipes, and not on repeat transactions at the same restaurant within 120 minutes. CONFLICTS (issuer page used; old value and source): reward_caps (dining discount cap): old 'Rs 1,000 or Rs 2,000, sources conflict'; page: Rs 1,000 per transaction, Rs 2,000 a month, up to Rs 5,000 a month with Rs 30,000 non-dining spend in the previous month | other_freebies / lounge: old note that the issuer page mentions lounge access and free movie tickets; the page text read has neither. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver Rs 500-3,000 transactions, cap Rs 250 per cycle (Card Insider). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":298,"depth":"full","slug":"indusind-eazydiner-signature","url":"https://m16s.in/cards/indusind-eazydiner-signature/"},{"issuer":"IndusInd Bank","card_name":"EazyDiner Platinum","cobrand_partner":"EazyDiner","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: no joining fee and no annual fee (issuer page)","welcome_benefit":"3-month EazyDiner Prime membership worth Rs 1,095 and 500 bonus EazyPoints","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 (except fuel, insurance, rent, utility and government spend)","base_return_pct":0.4,"accelerated_earn":"2X EazyPoints on the EazyDiner app","reward_caps":"RP earned only on spends up to the assigned credit limit per statement cycle. PayEazy extra 20% off capped at Rs 500 per use, 3 uses per calendar month","reward_exclusions":"No RP on fuel; 0.7 RP per Rs 100 on insurance, rent, utility and government spend","point_value":"1 RP = Rs 0.20 against restaurant bills via PayEazy; other redemptions through the EazyDiner app catalogue; no cash credit","points_expiry":"1 year","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.20 = 0.4% (both issuer-stated). Main value is the 25% Prime discount plus 20% via PayEazy.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at all fuel stations in India, GST on surcharge borne by cardholder; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":"2,000 RP on every Rs 30,000 of non-dining spend in 90 days; 3-month Prime membership renewal on Rs 30,000 spend in 90 days","other_freebies":"BookMyShow buy-one-get-one, one booking a month, free ticket capped at Rs 200, extra Rs 50 off F&B; UPI on the RuPay variant; Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-platinum-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/eazydiner-indusind-bank-platinum-credit-card/","https://www.paisabazaar.com/indusind-bank/fd-credit-card/"],"source_quality":"mixed","unverified_fields":["points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Issuer text: Platinum is offered on Visa and RuPay; credit card on UPI works only on the RuPay variant. Extra 20% off applies only when paying in the EazyDiner app via PayEazy (take-away included). CONFLICTS (issuer page used; old value and source): networks: old ['RuPay'] from an aggregator comment; issuer page says Visa and RuPay | point_value / base_return_pct: old 'rupee value not stated', null; issuer page says 1 RP = Rs 0.20, so 0.4% | milestone_benefits: one aggregator section said Rs 90,000; issuer page says Rs 30,000 every 90 days. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":299,"depth":"full","slug":"indusind-eazydiner-platinum","url":"https://m16s.in/cards/indusind-eazydiner-platinum/"},{"issuer":"IndusInd Bank","card_name":"Duo / Duo Plus (debit-cum-credit)","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":249,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Issuer page: Duo issuance fee Rs 249 + taxes, annual fee free. Duo Plus: joining Rs 1,500, annual Rs 799, Rs 1,000 voucher. Duo Premier: joining Rs 3,000, annual Rs 799, Rs 3,000 voucher. Issuer MITC lists Duo at nil joining and annual fee.","welcome_benefit":"Duo Plus: Rs 1,000 voucher (Bata, United Colors of Benetton, Levis, Pantaloons or Pizza Hut). Duo Premier: Rs 3,000 voucher (Louis Philippe, Titan, Aldo, Bata, Fab Hotels or Marks & Spencer)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on the credit side","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel","point_value":"Aggregator: 1 RP = Rs 0.50 cash credit. Issuer page states no rate; its savings illustration uses Rs 0.75 per RP but the page also flags unspecified changes to cash credit redemption","points_expiry":null,"reward_notes":"base_return_pct = (1/150) x Rs 0.50 (aggregator cash value, not issuer-stated, so not recomputed). One plastic with two chips and two magnetic stripes: a debit card and a credit card.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None complimentary","lounge_international":"None (no Priority Pass per MITC)","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"Credit side: 1% waiver at all petrol pumps in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one once a month (up to 12 a year), free ticket capped at Rs 200 from 1 Jun 2023 (Rs 250 before); not available on a Duo credit card with nil limit; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit; no add-on cards. Debit side: lost card liability Rs 3 lakh, air accident Rs 25 lakh, personal accident Rs 2 lakh, purchase protection Rs 50,000","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/duo-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-duo-plus-credit-card/","https://www.paisabazaar.com/indusind-bank/fd-credit-card/"],"source_quality":"mixed","unverified_fields":["base_return_pct","accelerated_earn","reward_exclusions","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility","forex_markup_pct","joining_fee"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Page marks the Duo Card as discontinued for new sourcing and kept only as a reference for existing holders. Notice: certain features revised from 30 Nov 2021 (details behind a link). Bank-wide Aug 2019 reduced-earn revision is stated as not applicable to Duo. Requires an IndusInd savings account. Page is silent on fuel earn, lounges and expiry. CONFLICTS (issuer page used; old value and source): status: old 'open'; issuer page says discontinued for new sourcing | joining_fee: old 0 (issuer MITC nil); issuer page says Rs 249 + taxes issuance fee | forex_markup_pct: old 3.5 (issuer MITC, 'all other cards'); issuer page headline says 2% cross currency mark-up, as aggregators did. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":300,"depth":"full","slug":"indusind-duo-duo-plus-debit-cum-credit","url":"https://m16s.in/cards/indusind-duo-duo-plus-debit-cum-credit/"},{"issuer":"IndusInd Bank","card_name":"CRED IndusInd Bank RuPay","cobrand_partner":"CRED","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"MITC footnote: no joining or annual fee charged after 31 March 2025 (footnote placement ambiguous). Aggregator lists Rs 499 from year two.","welcome_benefit":"None","reward_currency":"CRED Points","base_earn":"1 CRED Point per Rs 100","base_return_pct":1.0,"accelerated_earn":"5 points per Rs 100 on e-commerce, CRED UPI, CRED Store, CRED Travel, CRED Pay","reward_caps":"Accelerated earn capped at 5,000 CRED Points (period not stated)","reward_exclusions":"No points on education, government, wallet loads, rent, jewellery, fuel, cash","point_value":"1 point = Rs 1 on CRED travel/store; Rs 0.50 on CRED bill payments","points_expiry":"24 months","reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 1 best case; 0.5% if used on bill payments. Points usable only inside CRED.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver, Rs 500-5,000 transactions (aggregator)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/cred-indusind-bank-rupay-credit-card/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","networks","status","annual_fee"],"date_read":"2026-10-11","notes":"Not shown on the issuer's credit card listing page; applied for inside the CRED app. Whether it is still open to new applicants is not confirmed. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":301,"depth":"full","slug":"cred-indusind-bank-rupay","url":"https://m16s.in/cards/cred-indusind-bank-rupay/"},{"issuer":"IndusInd Bank","card_name":"Jio-bp Mobility+","cobrand_partner":"Jio-bp","networks":["RuPay"],"segment":"entry","card_type":["fuel","cobrand","upi"],"status":"open","joining_fee":499,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 499 + GST, charged only if Rs 10,000 is not spent within 90 days of card setup (issuer page FAQ and MITC); no annual fee per MITC","welcome_benefit":"400 bonus Smiles after the first fuel transaction at Jio-bp within 30 days of card setup; Rs 200 wildbean cafe coupon on the first wildbean cafe transaction within 30 days","reward_currency":"Smiles","base_earn":"2 Smiles per Rs 100 on other spend (aggregator figure; the value in the issuer table did not come through in the fetched page text)","base_return_pct":0.5,"accelerated_earn":"12 Smiles per Rs 100 on all Jio-bp spends: petrol, diesel, Castrol lubes, wildbean cafe, Jio-bp Pulse EV charging, convenience store (issuer page). Dining, supermarket and grocery is a separate higher-earn row whose value did not come through; aggregator: 5 Smiles per Rs 100","reward_caps":"1,200 Smiles per statement cycle on Jio-bp spend","reward_exclusions":"No Smiles on fuel at non-Jio-bp stations, insurance, government, utility, rent","point_value":"Aggregator: 1 Smile = Rs 0.25. Issuer page gives no rupee value; Smiles are redeemed at Jio-bp outlets against the registered mobile number and OTP","points_expiry":null,"reward_notes":"base_return_pct = 2 Smiles per Rs 100 x Rs 0.25; 3% at Jio-bp up to the cap.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at Jio-bp fuel stations only, none elsewhere; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle","milestone_benefits":"200 Smiles on Rs 4,000 or more Jio-bp spend in a statement cycle; 2,000 Smiles at Rs 1,00,000 spend in a card anniversary year and 2,000 more at the next Rs 1,00,000","other_freebies":"Roadside assistance (24x7 helpline, roadside repair, towing, emergency help) in Delhi, Mumbai, Kolkata, Pune, Chennai, Bangalore; UPI linkable, with biometric authentication","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/jio-bp-mobility-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/jio-bp-mobility-plus-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","accelerated_earn","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Co-brand partner is Reliance BP Mobility Ltd (Jio-bp). Forex markup 3.5% confirmed on page. At 12 Smiles per Rs 100 the 1,200 cap is reached at Rs 10,000 of Jio-bp spend per cycle. Page says nothing on lounges. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":302,"depth":"full","slug":"indusind-jio-bp-mobility","url":"https://m16s.in/cards/indusind-jio-bp-mobility/"},{"issuer":"IndusInd Bank","card_name":"ePay Amex","cobrand_partner":null,"networks":["Amex"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Fees not stated on the product page; lifetime free per earlier reading. Fully digital card.","welcome_benefit":"3-month Zomato Gold membership, one time, first year only","reward_currency":"Reward Points","base_earn":"Per transaction of Rs 500 or more: 4 RP for transactions 1-4 in a statement cycle, 8 RP for 5-10, 10 RP beyond the 10th","base_return_pct":null,"accelerated_earn":"2X in the 12th month (8 / 16 / 20 RP per transaction) if at least one Rs 500+ transaction was made in each of the previous 11 months of the anniversary year; accelerated points credited in the next cycle","reward_caps":"RP earning capped up to the credit limit per statement cycle","reward_exclusions":null,"point_value":"1 RP = Rs 0.35 cash credit","points_expiry":null,"reward_notes":"base_return_pct null: points are per transaction, not per rupee (4 RP on a Rs 500 purchase is 0.28%, 10 RP is 0.7%).","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"3 RP = 1 airmile (KrisFlyer is the airline option listed)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"None listed","milestone_benefits":"Times Prime membership for 1 year (worth Rs 1,199) on Rs 2 lakh spend in an anniversary year","other_freebies":"Early payment cashback: 5% a year, pro-rated daily on the unused interest-free days, when the full statement balance is paid within 7 days of statement date (issuer example: Rs 103 on Rs 50,000 paid 7 days after the statement); Total Protect fraud cover up to the credit limit (counterfeit fraud)","interest_rate_monthly_pct":3.95,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/epay-amex-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-epay-amex-credit-card/"],"source_quality":"mixed","unverified_fields":["base_return_pct","reward_exclusions","points_expiry","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Issuer product page is live with no discontinuation notice, so status kept as open. Page says nothing on fees, lounges, fuel waiver, exclusions or expiry. CONFLICTS (issuer page used; old value and source): other_freebies: old note '5% cashback for paying the bill within 7 days, uncapped figure not verified'; issuer page shows it is 5% per annum pro-rated by day, about 0.21% of the bill | transfer_partners: old [] with programme not named; page lists Airline miles on KrisFlyer. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":303,"depth":"full","slug":"indusind-epay-amex","url":"https://m16s.in/cards/indusind-epay-amex/"},{"issuer":"IndusInd Bank","card_name":"Indulge","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":75000,"annual_fee":10000,"fee_waiver_spend":1000000,"fee_notes":"Annual fee waived at Rs 10 lakh spend (MITC waiver list alignment is ambiguous). 22K gold inlay card.","welcome_benefit":"None listed","reward_currency":"Reward Points","base_earn":"1.5 RP per Rs 100","base_return_pct":1.5,"accelerated_earn":null,"reward_caps":"Cash redemption max 10,000 RP per calendar month (from 1 Sep 2024); min 500 RP","reward_exclusions":"Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019). Earlier reading: no RP on fuel","point_value":"1 RP = Rs 1 cash credit","points_expiry":"Aggregator: 1 year from accrual","reward_notes":"base_return_pct = 1.5 RP per Rs 100 x Rs 1 (issuer Indulge rewards microsite). Minimum 500 RP for cash credit and airline miles. Club Vistara conversion ended 31 Oct 2024.","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"Card Insider: 200 RP = 100 KrisFlyer miles; Book1A: KrisFlyer 1:1, Maharaja Club 2:1. Conflict.","lounge_domestic":"Aggregator: 6 per quarter on Rs 5 lakh quarterly spend. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)","lounge_international":"4 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025)","lounge_conditions":"Domestic access is spend-linked from the July 2026 quarter (issuer notice); domestic visit count and threshold are from an aggregator only","forex_markup_pct":1.8,"fuel_surcharge_waiver":"1% waiver, Rs 400-4,000 transactions; 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Golf: 4 games and 4 lessons per month (effective 10 Mar 2026), needs Rs 25,000 spend in the last statement; 22K gold inlay card; no cash advance fee and no rent surcharge (MITC). Aggregator, not on issuer pages read: BookMyShow BOGO 3 per month up to Rs 700; EazyDiner Rs 3,000 voucher twice a year; concierge","interest_rate_monthly_pct":1.79,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"Waived","eligibility":"Income/ITR Rs 36 lakh a year (salaried), Rs 42 lakh (self-employed)","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/indulge-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-indulge-credit-card/","https://book1a.com/tools/transfers/indusind"],"source_quality":"mixed","unverified_fields":["transfer_ratio","lounge_domestic","lounge_conditions","other_freebies","points_expiry","fee_waiver_spend"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Two issuer pages read: the product page (golf, lounge, eligibility) and the rewards microsite https://www.indusind.bank.in/in/en/microsites/indulge/freedom-rewards-know-more.html (1.5 RP per Rs 100, Re 1 cash value, 500 RP minimum, 10,000 RP per calendar month cash cap from 1 Sep 2024, KrisFlyer and Maharaja Club). Neither states fees, airline ratios or points expiry. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): other_freebies (golf): old 'Golf games and lessons' with no count; issuer page: 4 games and 4 lessons per month from 10 Mar 2026. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":304,"depth":"full","slug":"indusind-indulge","url":"https://m16s.in/cards/indusind-indulge/"},{"issuer":"IndusInd Bank","card_name":"Celesta","cobrand_partner":null,"networks":["Amex"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":25000,"annual_fee":5000,"fee_waiver_spend":1000000,"fee_notes":"Waiver threshold per MITC list (alignment ambiguous)","welcome_benefit":"Vouchers worth Rs 25,000 (Oberoi, Montblanc etc.)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 domestic","base_return_pct":0.75,"accelerated_earn":"3 RP per Rs 100 on international spend","reward_caps":"Cash redemption max 10,000 RP per statement month","reward_exclusions":"0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: no RP on fuel","point_value":"1 RP = Rs 0.75 cash credit","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.75; 2.25% on international spend before 3.5% markup.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"Sources conflict: 1 RP = 1 airmile or 2 RP = 1 KrisFlyer mile","lounge_domestic":"Aggregator: unlimited, one section conditioning it on Rs 1.5 lakh spend in the previous quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)","lounge_international":"2 per quarter via Priority Pass","lounge_conditions":"Extra visits up to USD 35","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver, Rs 400-4,000 transactions; 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Golf: 1 game and 1 lesson per month (effective 10 Mar 2026 per issuer page), needs Rs 25,000 spend in the last statement. Aggregator, not on issuer page: BookMyShow BOGO 3 per month up to Rs 700; air accident cover Rs 2.5 crore. MITC: no rent surcharge","interest_rate_monthly_pct":2.99,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/celesta-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-celesta-credit-card/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","fee_waiver_spend"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. The product page text is short: it carries only the golf and domestic-lounge notices, so almost all reward and benefit fields still rest on the aggregator. Network confirmed as American Express by issuer text naming the 'Celesta American Express Credit Card'. Product page is live with no discontinuation notice. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":305,"depth":"full","slug":"indusind-celesta","url":"https://m16s.in/cards/indusind-celesta/"},{"issuer":"IndusInd Bank","card_name":"Crest","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":75000,"annual_fee":10000,"fee_waiver_spend":null,"fee_notes":"Waiver threshold unclear: MITC list implies Rs 10 lakh, Card Insider says Rs 20 lakh","welcome_benefit":"None listed","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 domestic","base_return_pct":0.75,"accelerated_earn":"2.5 RP per Rs 100 on international spend","reward_caps":"Cash credit redemption max 10,000 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: rent also 0.70; no RP on fuel","point_value":"1 RP = Rs 0.75 cash credit","points_expiry":"Aggregator: 1 year from accrual","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.75.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"200 RP = 100 KrisFlyer miles (Card Insider)","lounge_domestic":"Aggregator: 2 per quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)","lounge_international":"2 per quarter via LoungeKey","lounge_conditions":"Extra LoungeKey visits up to USD 35","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver, Rs 400-4,000 transactions; 1% + GST fee above Rs 50,000 fuel spend per cycle","milestone_benefits":null,"other_freebies":"Golf: 2 games and 2 lessons per month (effective 10 Mar 2026 per issuer page), needs Rs 25,000 spend in the last statement. Complimentary ITC membership on the Mastercard variant discontinued effective 5 Oct 2025. Aggregator, not on issuer page: BookMyShow BOGO 3 per month up to Rs 700; Rs 3,000 dining discount at partner restaurants; concierge. MITC: no rent surcharge","interest_rate_monthly_pct":2.99,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/crest-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-crest-credit-card/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_exclusions","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","fee_waiver_spend"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. The product page text is short: cash cap, ITC membership, golf and domestic-lounge notices only. Page refers to a 'MasterCard variant', which confirms Mastercard. Product page is live with no discontinuation notice. Fees, earn rates, cash value and lounge counts still rest on the aggregator or MITC. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): reward_caps: old 'cash credit max 30,000 RP per statement cycle' (Card Insider); issuer page: 10,000 RP per calendar month from 1 Sep 2024. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":306,"depth":"full","slug":"indusind-crest","url":"https://m16s.in/cards/indusind-crest/"},{"issuer":"IndusInd Bank","card_name":"Pioneer Heritage","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":100000,"annual_fee":25000,"fee_waiver_spend":1000000,"fee_notes":"Fees not stated on the product page (joining Rs 1,00,000, annual Rs 25,000, waiver at Rs 10 lakh annual spend per issuer MITC). From 1 Apr 2026 renewals, replacements and new issuances of the metal variant are issued in plastic; features unchanged (issuer page).","welcome_benefit":"Only at select fee points: Montblanc or Qwikcilver (Woohoo) Premium vouchers (values not on page)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on domestic transactions","base_return_pct":1.0,"accelerated_earn":"2.5 RP per Rs 100 on international transactions","reward_caps":"Max 30,000 RP redeemable per statement cycle","reward_exclusions":"Select merchant categories earn reduced points: 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link). Fuel earn not stated on page","point_value":"1 RP = Re 1 cash credit","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Re 1 (both issuer-stated); 2.5% on international spend with 0% markup. Points can be redeemed directly with merchants at nil redemption fee. No late, over-limit or cash advance fee (issuer MITC).","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"2 RP = 1 KrisFlyer mile (issuer page). Maharaja Club ratio not on page; Book1A says 2:1","lounge_domestic":"Unlimited (erstwhile variant: 2 per cardholder per calendar quarter)","lounge_international":"Unlimited via LoungeKey (Mastercard variant only) or Priority Pass (erstwhile variant: 2 per cardholder per calendar quarter)","lounge_conditions":"Guest visits charged up to USD 35 per person; present the card and boarding pass, or Priority Pass","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver; GST on the surcharge borne by the customer","milestone_benefits":null,"other_freebies":"Golf: 4 games and 4 lessons per month (effective 10 Mar 2026), needs Rs 25,000 spend in the last statement; Mastercard World Elite golf: 12 rounds and 12 lessons a year, max 3 a quarter; BookMyShow 4 free tickets a quarter, Rs 1,000 cap each (erstwhile variant: buy-one-get-one, 3 a month, Rs 700 cap); 20% or Rs 350 off (whichever is lower) per two non-movie tickets; Rs 3,000 off the dining bill at 100+ restaurants; Advance Medical second opinion; Flexiroam 3 GB data plan a year; concierge; Total Protect fraud cover up to the credit limit. Complimentary Club ITC Culinaire membership (Mastercard variant) discontinued effective 5 Oct 2025","interest_rate_monthly_pct":2.99,"late_payment_fee":"Waived","cash_advance_fee":"Waived","eligibility":"IndusInd Pioneer banking clients, by invitation","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/pioneer-heritage-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-pioneer-heritage-credit-card/","https://book1a.com/tools/transfers/indusind"],"source_quality":"mixed","unverified_fields":["reward_caps","points_expiry","transfer_ratio","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Forex markup 0% confirmed on page (cut from 1.8% with effect from 5 Oct 2024). Interest 2.99% a month confirmed on page. Page shows both Mastercard and Visa (Infinite) offers. Page does not state fees, the redemption cap or eligibility. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): transfer_ratio (KrisFlyer): Book1A said 1:1; issuer page says 2 RP = 1 KrisFlyer mile (matches Card Insider) | other_freebies: old 'EazyDiner Rs 3,000 off twice a year'; page says Rs 3,000 off the bill at 100+ restaurants without stating a frequency. Old golf '4 + 4 per month' unchanged. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 2.5 crore; fuel waiver range Rs 400-4,000; max 30,000 RP redeemable per statement cycle (kept in reward_caps, unverified). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":307,"depth":"full","slug":"indusind-pioneer-heritage","url":"https://m16s.in/cards/indusind-pioneer-heritage/"},{"issuer":"IndusInd Bank","card_name":"Pioneer Legacy","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":45000,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuer Pioneer site: join at a discounted joining fee of Rs 45,000 with welcome vouchers of choice worth Rs 50,000, or at Rs 5,000, waived on Rs 50,000 spend in the first 90 days (no welcome vouchers; the 'complimentary' variant). Add-on card fee waived. Earlier reading of the issuer MITC: Rs 50,000 joining fee, no annual fee.","welcome_benefit":"Paid variant: welcome vouchers of choice worth Rs 50,000 (Montblanc, The Postcard Hotel or Qwikcilver (Woohoo) Premium). None on the Rs 5,000 variant","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on weekdays (Mon-Fri), by transaction date","base_return_pct":1.0,"accelerated_earn":"2 RP per Rs 100 on weekends (Sat, Sun)","reward_caps":"RP earned only on spends up to the assigned credit limit in each statement cycle","reward_exclusions":"No RP on fuel (from 1 Apr 2018). 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, weekdays and weekends (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link)","point_value":"1 RP = Re 1 cash credit","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Re 1 on weekdays (both issuer-stated); 2% on weekends. InterMiles redemption ended 21 Jan 2025, Club Vistara 31 Oct 2024.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"200 RP = 100 KrisFlyer miles (Card Insider)","lounge_domestic":"1 per calendar quarter; from the July 2026 quarter needs Rs 1.5 lakh spend in the previous quarter (tracking from 1 Apr 2026)","lounge_international":"2 per calendar quarter via Priority Pass, outside India; paid variant only","lounge_conditions":"Extra and guest Priority Pass visits USD 35. Domestic access spend-linked from the July 2026 quarter. Priority Pass issued within 15 working days of card issue","forex_markup_pct":1.8,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":"4,000 bonus RP on spends of Rs 5,00,000 or more within one year of card issue","other_freebies":"Golf: 2 games and 2 lessons per month (effective 10 Mar 2026, down from 4 + 4), needs Rs 25,000 spend in the last statement; BookMyShow buy-one-get-one up to 3 free tickets a month, Rs 200 cap each, Rs 50 off F&B per 2 tickets (offer valid to 31 Mar 2027); lost baggage cover Rs 1 lakh, delayed baggage Rs 25,000, passport loss Rs 50,000, lost ticket Rs 25,000, missed connection Rs 25,000; concierge; Auto Assist in six metros; Total Protect fraud cover up to the credit limit; no cash advance fee","interest_rate_monthly_pct":3.83,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"Waived","eligibility":"IndusInd Pioneer banking clients","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/pioneer-legacy-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-pioneer-legacy-credit-card/"],"source_quality":"mixed","unverified_fields":["points_expiry","transfer_ratio","joining_fee"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Two issuer pages read: the main-site product page and the Pioneer-site page https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (fees, lounge spend rule, golf and BookMyShow terms). Forex markup 1.8% applies to the paid variant only: transactions are charged at 3.5% and the difference is credited the following month; complimentary cards pay 3.5%. International lounge access is also paid-variant only. Page shows Mastercard and Visa Signature offers. KrisFlyer ratio is not stated on either page. CONFLICTS (issuer page used; old value and source): joining_fee: old 50,000 (issuer MITC); Pioneer site says discounted joining fee Rs 45,000 | welcome_benefit: old 'Oberoi e-gift voucher plus Luxe gift card Rs 5,000' (Card Insider); issuer pages: vouchers of choice worth Rs 50,000 from Montblanc, Postcard Hotel or Qwikcilver | other_freebies (golf): old '2 games + 2 lessons' matches the benefit effective 10 Mar 2026; the main page's value table still shows the earlier 4 a month. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":308,"depth":"full","slug":"indusind-pioneer-legacy","url":"https://m16s.in/cards/indusind-pioneer-legacy/"},{"issuer":"IndusInd Bank","card_name":"Pioneer Private","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":0,"annual_fee":25000,"fee_waiver_spend":1000000,"fee_notes":"Nil joining fee. Annual fee Rs 25,000, waived on Rs 10 lakh spend in the preceding year. If the client is downgraded from Pioneer Private status the annual fee is Rs 50,000 and cannot be waived. One card per eligible group; 1 lifetime-free add-on card.","welcome_benefit":"6,000 bonus RP (= Rs 6,000) on Rs 1 lakh spend within 30 days of card issuance. First-year memberships: Taj Epicure Preferred or Club ITC Culinaire Select (ITC issuance on hold until further notice), EazyDiner membership with two Rs 3,000 dining vouchers every six months and 2,000 EazyPoints, 2 Postcard Hotel vouchers; each renewed in year two only on Rs 50 lakh spend in the previous year","reward_currency":"Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":3.0,"accelerated_earn":null,"reward_caps":"No monthly cap on reward point redemption across all redemption options; minimum 500 RP for cash credit and airline miles","reward_exclusions":"0.7 RP per Rs 100 on certain spends such as utilities, government institutions and education (full list behind a link)","point_value":"1 RP = Re 1 cash credit","points_expiry":"No expiry while the card account is live","reward_notes":"base_return_pct = 3 RP per Rs 100 x Re 1 (both issuer-stated). Points can be redeemed directly with merchants at nil redemption fee. No late, over-limit or cash advance fee.","transfer_partners":["Singapore KrisFlyer","Air India Maharaja Club"],"transfer_ratio":"1 RP = 1 air mile with airline partners (KrisFlyer terms linked); Maharaja Club ratio not separately stated","lounge_domestic":"Unlimited for primary and add-on cardholders, via the card (50+ lounges)","lounge_international":"Unlimited via Priority Pass for primary and add-on cardholders (1,300+ lounges)","lounge_conditions":"12 complimentary guest visits at international lounges, further guests charged to the card. Priority Pass used in India is chargeable; the credit card used at lounges outside India is chargeable","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% surcharge reversal on transactions between Rs 500 and Rs 10,000; GST on the surcharge borne by the cardholder","milestone_benefits":"Taj experiences gift certificate worth Rs 1 lakh on Rs 75 lakh spend in an anniversary year","other_freebies":"Unlimited domestic golf games and lessons (Rs 50,000 spend in the last statement) and 4 international golf games a year; 2 complimentary movie tickets a month (no price cap) and 3 non-movie tickets a quarter (Rs 1,000 cap each); 2 airport meet-and-greet and 2 airport pick-up/drop services a year; overseas health insurance up to USD 25,000; international travel insurance; hole-in-one insurance Rs 20,000; 24x7 concierge; Visa Infinite offers","interest_rate_monthly_pct":2.0,"late_payment_fee":"Waived","cash_advance_fee":"Waived","eligibility":"IndusInd Pioneer Private clients only","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/pioneer-private.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indusind-bank-pioneer-private-credit-card/","https://book1a.com/tools/transfers/indusind"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Two issuer pages read: the product page and the rewards page https://www.indusind.bank.in/in/en/personal/cards/pioneer-private-rewards.html (Re 1 cash value, 500 RP minimum, no monthly redemption cap). Forex markup 0% and interest 2% a month confirmed on page. Metal card on Visa Infinite. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (golf programme terms: Rs 50,000 spend rule for Pioneer Private). CONFLICTS (issuer page used; old value and source): transfer_ratio / caps: old 'KrisFlyer capped at 10,000 points per month' (Card Insider, Book1A); issuer rewards page says no monthly cap on redemption across all options | transfer_partners: old list included Club ITC (aggregator); issuer page lists KrisFlyer and Maharaja Club only, Club ITC appears as a membership, not a transfer partner | reward_exclusions: old 'no RP on fuel; 0.7 RP on utilities, insurance, education, government, telecom, transport/tolls, brokers' (Card Insider); issuer page names utilities, government institutions, education 'etc.' at 0.7 and does not mention fuel. Earlier non-issuer data not found on the issuer page (unconfirmed): no RP on fuel; 0.7 RP also on insurance, telecom, transport/tolls, brokers. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":309,"depth":"full","slug":"indusind-pioneer-private","url":"https://m16s.in/cards/indusind-pioneer-private/"},{"issuer":"IndusInd Bank","card_name":"Indus Solitaire","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":30000,"annual_fee":10000,"fee_waiver_spend":1000000,"fee_notes":"Joining fee Rs 30,000. Annual fee Rs 10,000, waived on spends of Rs 10 lakh or more in the previous anniversary year (issuer page)","welcome_benefit":"First year only, after the joining fee is paid in full and on request: Taj Epicure Preferred membership, EazyDiner Prime membership with 2,000 EazyPoints, Moneycontrol Pro membership. Plus 5,000 bonus RP on Rs 1 lakh spend in the first 30 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No RP on fuel. 0.70 RP per Rs 100 on utility bills, insurance premiums, government services, educational institutes, real estate and rent","point_value":"1 RP = Rs 0.50 cash credit","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.50 (both issuer-stated). Airline ratio is not on the issuer page.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"Aggregator: 5 RP = 4 partner airmiles. Issuer page names KrisFlyer but gives no ratio","lounge_domestic":"4 per quarter via the card; from the July 2026 quarter access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)","lounge_international":"4 per quarter via LoungeKey","lounge_conditions":"Domestic access is spend-linked from the July 2026 quarter (issuer notice)","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"Mastercard World Elite golf: 12 rounds and 12 lessons a year (max 3 each per quarter) and 4 guest green fees a year; overseas health insurance up to USD 25,000 (reimbursement); travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); One Night Free with Mastercard; Advance Medical second opinion; Flexiroam 3 GB global data plan a year; concierge incl. elderly care, meet-and-greet and airport cab booking (services at cost); Total Protect fraud cover up to the credit limit. Complimentary Club ITC Culinaire membership discontinued effective 5 Oct 2025","interest_rate_monthly_pct":3.83,"late_payment_fee":"Waived","cash_advance_fee":"2.5% min Rs 300","eligibility":"By invitation","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/solitaire-credit-card.html","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/indus-solitaire-credit-card/"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_caps","points_expiry","transfer_ratio","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read as plain text on 2026-10-12; fields updated from it. Zero forex markup confirmed on page. Card is tied to Indus Solitaire Banking; the page does not use the word invitation. World Elite Mastercard. CONFLICTS (issuer page used; old value and source): transfer_partners: old [] (partners not named); issuer page names KrisFlyer. Earlier non-issuer data not found on the issuer page (unconfirmed): domestic lounge needs Rs 5 lakh spend in the previous quarter (Card Insider); extra lounge visits up to USD 35. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).","id":310,"depth":"full","slug":"indusind-indus-solitaire","url":"https://m16s.in/cards/indusind-indus-solitaire/"},{"issuer":"IndusInd Bank","card_name":"Club Vistara IndusInd Bank Explorer","cobrand_partner":"Club Vistara (now Air India Maharaja Club)","networks":["Visa"],"segment":"super-premium","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":40000,"annual_fee":10000,"fee_waiver_spend":null,"fee_notes":"MITC footnote: no joining or annual fee charged after 31 March 2025","welcome_benefit":null,"reward_currency":"CV Points (programme merged into Air India Maharaja Club)","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"Priority Pass; visits beyond complimentary quota USD 35","lounge_conditions":null,"forex_markup_pct":1.8,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.85,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"Waived","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://cardinsider.com/indusind-bank/"],"source_quality":"mixed","unverified_fields":["status","reward_currency","networks"],"date_read":"2026-10-11","notes":"Closed to new applicants after the Vistara-Air India merger; still serviced. Only fee, interest and forex fields documented, from issuer MITC. Current earn structure not verified.","id":311,"depth":"fees-only","slug":"club-vistara-indusind-bank-explorer","url":"https://m16s.in/cards/club-vistara-indusind-bank-explorer/"},{"issuer":"IndusInd Bank","card_name":"Secured Credit Card (against Fixed Deposit)","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Aggregator lists nil joining and annual fee; issued as Platinum Aura Edge, Platinum, Duo or EazyDiner Platinum against an IndusInd FD","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"As per the variant issued (see Platinum Aura Edge / Platinum)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 300","eligibility":"IndusInd fixed deposit; minimum FD not stated in sources read","source_product_page":"https://induseasycredit.indusind.bank.in/customer/credit-card/secured-credit-card","source_mitc_or_tnc":"https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf","source_other":["https://www.paisabazaar.com/indusind-bank/fd-credit-card/"],"source_quality":"aggregator","unverified_fields":["joining_fee","annual_fee","networks","base_earn","eligibility"],"date_read":"2026-10-11","notes":"Issuer application page not read (application flow). Credit limit as a share of the FD and minimum FD not found.","id":312,"depth":"partial","slug":"indusind-secured-credit-card-against-fixed-deposit","url":"https://m16s.in/cards/indusind-secured-credit-card-against-fixed-deposit/"},{"issuer":"IndusInd Bank","card_name":"eSvarna Corporate RuPay","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["business","upi"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":null,"welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Lounge access, fuel surcharge waiver, travel insurance, UPI linkage (press coverage; no numbers)","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporate entities","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://ibsintelligence.com/ibsi-news/indusind-bank-unveils-esvarna-a-corporate-credit-card-on-rupay-network/"],"source_quality":"aggregator","unverified_fields":["status","other_freebies","eligibility"],"date_read":"2026-10-11","notes":"Corporate card launched Dec 2023. No fee or reward terms found; flagged for completeness only.","id":313,"depth":"fees-only","slug":"indusind-esvarna-corporate-rupay","url":"https://m16s.in/cards/indusind-esvarna-corporate-rupay/"},{"issuer":"IndusInd Bank","card_name":"Platinum Master","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fees not stated on the product page; welcome gifts apply only on select fee plans","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers","reward_currency":"Reward Points","base_earn":"1.5 RP per Rs 150","base_return_pct":0.4,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Select merchant categories revised from 1 Aug 2019; the bank-wide notice gives 1.2 RP per Rs 150 on utility bills, insurance, government services and education fees for the Platinum card","point_value":"1 RP = Rs 0.40 cash credit; Rs 0.60 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = (1.5/150) x Rs 0.40 cash credit = 0.4%; 0.6% at the non-cash value.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India","milestone_benefits":null,"other_freebies":"Travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-master-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Mastercard version of the Platinum card (see Platinum (Visa)). BookMyShow offer discontinued effective 1 Oct 2022. Page carries no discontinuation notice, so status is set to open, but it also shows no apply button in the fetched text; confirm availability. KrisFlyer ratio, lounges, forex markup and penalty fees are not on the page.","id":727,"depth":"partial","slug":"indusind-platinum-master","url":"https://m16s.in/cards/indusind-platinum-master/"},{"issuer":"IndusInd Bank","card_name":"Platinum Select","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Fees not stated on the product page","welcome_benefit":"Only on select fee plans: Vouchagram vouchers (Pantaloons, Bata, Raymond, Charles and Keith, Hush Puppies and others)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150","base_return_pct":0.27,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018)","point_value":"1 RP = Rs 0.40 cash credit; Rs 0.60 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = (1/150) x Rs 0.40 cash credit = 0.27%.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India","milestone_benefits":null,"other_freebies":"Travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-select-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders. BookMyShow offer discontinued effective 1 Oct 2022, though the page body still describes a one-free-ticket-a-month offer. Bank-wide Aug 2019 reduced-earn revision is stated as not applicable to Platinum Select. Network not stated on page.","id":728,"depth":"partial","slug":"indusind-platinum-select","url":"https://m16s.in/cards/indusind-platinum-select/"},{"issuer":"IndusInd Bank","card_name":"Platinum Aura (Visa / Mastercard)","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Fees not stated on the product page","welcome_benefit":"Only on select fee plans: Vouchagram vouchers (Amazon, Flipkart and others; Bata, Vero Moda)","reward_currency":"Savings Points","base_earn":"0.5 savings point per Rs 100 on spend outside the chosen plan's categories","base_return_pct":null,"accelerated_earn":"Pick one of four plans (savings points per Rs 100). Shop: 4 department stores, 2 consumer durables/electronics, 1.5 restaurants, 1.5 books. Home: 4 grocery, 1.4 cellphone bills, 1.4 electricity bills, 1.4 insurance premium (cut from 2.5 / 2.5 / 1.5 on 1 Aug 2019), 1.5 medical. Travel: 4 hotels, 2.5 airline tickets, 1.5 car rental, 1.5 rail tickets. Party: 4 restaurants, 2 department stores, 2 bars and pubs, 1.5 movie tickets. Headline: up to 4X","reward_caps":"Cash credit redemption max 2,500 points per calendar month (effective 1 Sep 2024)","reward_exclusions":"No points on fuel (from 1 Apr 2018)","point_value":"Plan tables: 1 savings point = Re 0.50 against card dues or 0.5 airline mile. Page header: non-cash redemption (excluding airmiles) 1 RP = Rs 0.35 from 1 Mar 2024. Current cash value is not clear from the page","points_expiry":null,"reward_notes":"base_return_pct left null: the page gives two different point values and no dated cash rate.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":"1 savings point = 0.5 airline mile (issuer plan tables)","lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India","milestone_benefits":null,"other_freebies":"24x7 concierge; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-visa-and-mastercard-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["point_value","transfer_ratio"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders. Notice: certain features revised from 30 Nov 2021 (details behind a link). Redemption is by phone banking.","id":729,"depth":"partial","slug":"indusind-platinum-aura-visa-mastercard","url":"https://m16s.in/cards/indusind-platinum-aura-visa-mastercard/"},{"issuer":"IndusInd Bank","card_name":"Platinum Aura Edge (Government Sector Employees)","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Fees not stated on the product page","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on retail spend, on up to Rs 10,000 of spend per statement cycle","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Max cashback Rs 100 per statement cycle; spend above Rs 10,000 in a cycle earns nothing","reward_exclusions":null,"point_value":"Cashback credited to the card account in the following statement cycle","points_expiry":null,"reward_notes":"base_return_pct = 1% on the first Rs 10,000 per cycle; nothing above that.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India","milestone_benefits":null,"other_freebies":"One free BookMyShow ticket up to Rs 200 every 6 months; 1% railway surcharge waiver on IRCTC site and app; convert transactions and balances to EMI at 1.1% a month (13.2% a year) with nil processing fee; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Government sector employees","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-credit-card-for-government-employees.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders; the page points government employees to another card (the Samman RuPay card is the bank's current government-sector product). Network not stated on page.","id":730,"depth":"partial","slug":"indusind-platinum-aura-edge-government-sector-employees","url":"https://m16s.in/cards/indusind-platinum-aura-edge-government-sector-employees/"},{"issuer":"IndusInd Bank","card_name":"Iconia Amex","cobrand_partner":null,"networks":["Amex"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":3499,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Page fee summary: issuance charge Rs 3,499, annual renewal fee nil, add-on card nil. Welcome gifts only on select fee plans","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel or Vouchagram vouchers","reward_currency":"Reward Points","base_earn":"1.5 RP per Rs 100 on weekdays (Mon-Fri); 2 RP per Rs 100 on weekends (Sat, Sun), domestic and international","base_return_pct":0.75,"accelerated_earn":"2 RP per Rs 100 on weekends","reward_caps":"Cash credit redemption max 5,000 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019)","point_value":"1 RP = Rs 0.50 cash credit; Rs 0.75 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = 1.5 RP per Rs 100 x Rs 0.50 cash credit on weekdays; weekend rate is 2 RP.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":"Complimentary visits to American Express lounges (count not on page)","lounge_international":"Page carries Priority Pass copy, but the Iconia Visa page says Priority Pass and Travel Plus are not applicable on Amex cards","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, one free ticket a month, Rs 200 cap; concierge; Auto Assist; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"Page table: up to Rs 100 nil; Rs 101-500 Rs 100; Rs 501-1,000 Rs 350; Rs 1,001-10,000 Rs 550; above Rs 10,000 Rs 700 (older than the bank-wide MITC slab effective 15 Jun 2026)","cash_advance_fee":"2.5% min Rs 300","eligibility":"Income/ITR Rs 3,60,000 a year (salaried), Rs 4,80,000 (self-employed)","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/iconia-amex-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders. Fee table on the page also lists over-limit 2.5% min Rs 500, card replacement Rs 100, 50 interest-free days. Other issuer page used: Pioneer Legacy page on bank.indusind.com for the Aug 2019 reduced-earn table.","id":731,"depth":"full","slug":"indusind-iconia-amex","url":"https://m16s.in/cards/indusind-iconia-amex/"},{"issuer":"IndusInd Bank","card_name":"Iconia Visa","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":3499,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. Page fee summary: issuance charge Rs 3,499, annual renewal fee nil, add-on card nil. Welcome gifts only on select fee plans","welcome_benefit":"Only on select fee plans: Montblanc, The Postcard Hotel or Vouchagram vouchers","reward_currency":"Reward Points","base_earn":"0.75 RP per Rs 100 on weekdays (Mon-Fri); 1 RP per Rs 100 on weekends (Sat, Sun), domestic and international","base_return_pct":0.38,"accelerated_earn":"1 RP per Rs 100 on weekends","reward_caps":"Cash credit redemption max 5,000 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019)","point_value":"1 RP = Rs 0.50 cash credit; Rs 0.75 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = 0.75 RP per Rs 100 x Rs 0.50 cash credit on weekdays; weekend rate is 1 RP.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"Priority Pass membership for primary and add-on holder; usage charged up to USD 27 per person per visit","lounge_conditions":"Optional Travel Plus programme at Rs 5,000 a year waives the USD 27 charge for up to 8 international lounge visits a year","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, one free ticket a month, Rs 200 cap; concierge; Auto Assist; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":"Page table: up to Rs 100 nil; Rs 101-500 Rs 100; Rs 501-1,000 Rs 350; Rs 1,001-10,000 Rs 550; above Rs 10,000 Rs 700 (older than the bank-wide MITC slab effective 15 Jun 2026)","cash_advance_fee":"2.5% min Rs 300","eligibility":"Income/ITR Rs 3,60,000 a year (salaried), Rs 4,80,000 (self-employed)","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/iconia-visa-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders. Fee table on the page also lists over-limit 2.5% min Rs 500, card replacement Rs 100, 50 interest-free days. Other issuer page used: Pioneer Legacy page on bank.indusind.com for the Aug 2019 reduced-earn table.","id":732,"depth":"full","slug":"indusind-iconia-visa","url":"https://m16s.in/cards/indusind-iconia-visa/"},{"issuer":"IndusInd Bank","card_name":"Signature Visa","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing. No joining or annual fee is labelled on the page; the header shows '9,999' against the label 'Insurance Charge', meaning unclear. Welcome gift only at select fee points","welcome_benefit":"Only at select fee points: Oberoi Hotels gift voucher","reward_currency":"Reward Points","base_earn":"1.5 RP per Rs 100","base_return_pct":0.75,"accelerated_earn":null,"reward_caps":"Cash credit redemption max 7,500 RP per calendar month (effective 1 Sep 2024)","reward_exclusions":"No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019)","point_value":"1 RP = Rs 0.50 cash credit; Rs 0.75 non-cash excluding airmiles (both from 1 Mar 2024)","points_expiry":null,"reward_notes":"base_return_pct = 1.5 RP per Rs 100 x Rs 0.50 cash credit.","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":"Up to 2 per quarter on the primary card (Visa Signature lounge programme)","lounge_international":"Complimentary Priority Pass membership; visits chargeable unless enrolled in Travel Plus","lounge_conditions":"Optional Travel Plus programme at Rs 5,000 a year waives the USD 27 charge for up to 8 lounge visits a year outside India","forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any petrol pump in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, one free ticket a month from 1 Jun 2023 (three before); Visa Signature weekend movie offer, Rs 300 cap; concierge; Auto Assist in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":3.83,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Age 21-65, stable income; income/ITR Rs 48 lakh a year (salaried), Rs 60 lakh (self-employed) as printed on the page","source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/signature-visa-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': no new sourcing, shown only for existing holders. Other issuer page used: Pioneer Legacy page on bank.indusind.com for the Aug 2019 reduced-earn table.","id":733,"depth":"full","slug":"indusind-signature-visa","url":"https://m16s.in/cards/indusind-signature-visa/"},{"issuer":"IndusInd Bank","card_name":"InterMiles Odyssey Amex","cobrand_partner":"InterMiles (Jet Privilege Pvt Ltd)","networks":["Amex"],"segment":"premium","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing and for existing cards. Joining and annual fees not stated on the page. Uncapping fee Rs 10,000 + GST a year to earn beyond the annual cap","welcome_benefit":"15,000 bonus InterMiles, Rs 1,500 flight discount voucher, Rs 2,500 hotel discount voucher, complimentary InterMiles Silver tier. Renewal: 5,000 InterMiles, Rs 1,000 flight voucher, Rs 2,000 hotel voucher","reward_currency":"InterMiles","base_earn":"Up to 6 InterMiles per Rs 100 (headline). Separate weekday and weekend rates apply; the figures in the issuer table did not come through in the fetched text","base_return_pct":null,"accelerated_earn":"2X InterMiles on flights and Amazon spends via intermiles.com and hotels via interbook.intermiles.com; higher earn on weekends","reward_caps":"InterMiles on spends capped at 75,000 a year unless the uncapping fee is paid","reward_exclusions":"Select merchant categories revised from 1 Aug 2019 (bank-wide notice: 1 mile per Rs 100 on utility bills, insurance, government services and education fees for the former Jet Airways cards)","point_value":"Earned directly as InterMiles; redeemed for flights and hotels on intermiles.com, fuel at select IOCL pumps and the InterMiles reward store","points_expiry":null,"reward_notes":"base_return_pct null: InterMiles have no fixed rupee value and the base rate is unreadable in the fetched text.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary access to American Express lounges at listed Indian airports (count not on page)","lounge_international":"Priority Pass and Travel Plus are stated as not applicable on the American Express card","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, two free tickets a month; concierge; Auto Assist in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/intermiles-odyssey-amex-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': discontinued for new sourcing as well as existing cards, page kept only as a reference. Reward point redemption towards InterMiles on other IndusInd cards ended 21 Jan 2025.","id":734,"depth":"partial","slug":"indusind-intermiles-odyssey-amex","url":"https://m16s.in/cards/indusind-intermiles-odyssey-amex/"},{"issuer":"IndusInd Bank","card_name":"InterMiles Odyssey Visa","cobrand_partner":"InterMiles (Jet Privilege Pvt Ltd)","networks":["Visa"],"segment":"premium","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing and for existing cards. Joining and annual fees not stated on the page. Uncapping fee Rs 10,000 + GST a year to earn beyond the annual cap","welcome_benefit":"15,000 bonus InterMiles, Rs 1,500 flight discount voucher, Rs 2,500 hotel discount voucher, complimentary InterMiles Silver tier. Renewal: 5,000 InterMiles, Rs 1,000 flight voucher, Rs 2,000 hotel voucher","reward_currency":"InterMiles","base_earn":"Up to 4 InterMiles per Rs 100 (headline). Separate weekday and weekend rates apply; the figures in the issuer table did not come through in the fetched text","base_return_pct":null,"accelerated_earn":"2X InterMiles on flights and Amazon spends via intermiles.com and hotels via interbook.intermiles.com; higher earn on weekends","reward_caps":"InterMiles on spends capped at 75,000 a year unless the uncapping fee is paid","reward_exclusions":"Select merchant categories revised from 1 Aug 2019 (bank-wide notice: 1 mile per Rs 100 on utility bills, insurance, government services and education fees for the former Jet Airways cards)","point_value":"Earned directly as InterMiles; redeemed for flights and hotels on intermiles.com, fuel at select IOCL pumps and the InterMiles reward store","points_expiry":null,"reward_notes":"base_return_pct null: InterMiles have no fixed rupee value and the base rate is unreadable in the fetched text.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 Visa airport lounge visits per quarter","lounge_international":"Complimentary Priority Pass membership; visits chargeable unless enrolled in Travel Plus","lounge_conditions":"Optional Travel Plus programme at Rs 5,000 a year waives the USD 27 charge for up to 8 lounge visits a year outside India","forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, two free tickets a month; concierge; Auto Assist in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/intermiles-odyssey-visa-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': discontinued for new sourcing as well as existing cards, page kept only as a reference. Reward point redemption towards InterMiles on other IndusInd cards ended 21 Jan 2025.","id":735,"depth":"partial","slug":"indusind-intermiles-odyssey-visa","url":"https://m16s.in/cards/indusind-intermiles-odyssey-visa/"},{"issuer":"IndusInd Bank","card_name":"InterMiles Voyage Amex","cobrand_partner":"InterMiles (Jet Privilege Pvt Ltd)","networks":["Amex"],"segment":"mid","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing and for existing cards. Joining and annual fees not stated on the page. Uncapping fee Rs 7,500 + GST a year to earn beyond the annual cap","welcome_benefit":"2,000 bonus InterMiles, Rs 750 flight discount voucher, Rs 1,500 hotel discount voucher. Renewal: 2,500 InterMiles, Rs 500 flight voucher, Rs 1,000 hotel voucher","reward_currency":"InterMiles","base_earn":"Up to 4 InterMiles per Rs 100 (headline). Separate weekday and weekend rates apply; the figures in the issuer table did not come through in the fetched text","base_return_pct":null,"accelerated_earn":"2X InterMiles on flights and Amazon spends via intermiles.com and hotels via interbook.intermiles.com; higher earn on weekends","reward_caps":"InterMiles on spends capped at 50,000 a year unless the uncapping fee is paid","reward_exclusions":"Select merchant categories revised from 1 Aug 2019 (bank-wide notice: 1 mile per Rs 100 on utility bills, insurance, government services and education fees for the former Jet Airways cards)","point_value":"Earned directly as InterMiles; redeemed for flights and hotels on intermiles.com, fuel at select IOCL pumps and the InterMiles reward store","points_expiry":null,"reward_notes":"base_return_pct null: InterMiles have no fixed rupee value and the base rate is unreadable in the fetched text.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary access to American Express lounges at listed Indian airports (count not on page)","lounge_international":"Priority Pass and Travel Plus are stated as not applicable on the American Express card","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, one free ticket a month; concierge; Auto Assist in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/intermiles-voyage-amex-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': discontinued for new sourcing as well as existing cards, page kept only as a reference. Reward point redemption towards InterMiles on other IndusInd cards ended 21 Jan 2025.","id":736,"depth":"partial","slug":"indusind-intermiles-voyage-amex","url":"https://m16s.in/cards/indusind-intermiles-voyage-amex/"},{"issuer":"IndusInd Bank","card_name":"InterMiles Voyage Visa","cobrand_partner":"InterMiles (Jet Privilege Pvt Ltd)","networks":["Visa"],"segment":"mid","card_type":["travel","cobrand"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued for new sourcing and for existing cards. Joining and annual fees not stated on the page. Uncapping fee Rs 7,500 + GST a year to earn beyond the annual cap","welcome_benefit":"2,000 bonus InterMiles, Rs 750 flight discount voucher, Rs 1,500 hotel discount voucher. Renewal: 2,500 InterMiles, Rs 500 flight voucher, Rs 1,000 hotel voucher","reward_currency":"InterMiles","base_earn":"Up to 3 InterMiles per Rs 100 (headline). Separate weekday and weekend rates apply; the figures in the issuer table did not come through in the fetched text","base_return_pct":null,"accelerated_earn":"2X InterMiles on flights and Amazon spends via intermiles.com and hotels via interbook.intermiles.com; higher earn on weekends","reward_caps":"InterMiles on spends capped at 50,000 a year unless the uncapping fee is paid","reward_exclusions":"Select merchant categories revised from 1 Aug 2019 (bank-wide notice: 1 mile per Rs 100 on utility bills, insurance, government services and education fees for the former Jet Airways cards)","point_value":"Earned directly as InterMiles; redeemed for flights and hotels on intermiles.com, fuel at select IOCL pumps and the InterMiles reward store","points_expiry":null,"reward_notes":"base_return_pct null: InterMiles have no fixed rupee value and the base rate is unreadable in the fetched text.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"Complimentary Priority Pass membership; visits chargeable unless enrolled in Travel Plus","lounge_conditions":"Optional Travel Plus programme at Rs 5,000 a year waives the USD 27 charge for up to 8 lounge visits a year outside India","forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at any fuel station in India","milestone_benefits":null,"other_freebies":"BookMyShow buy-one-get-one, one free ticket a month; concierge; Auto Assist in six metros; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/intermiles-voyage-visa-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': discontinued for new sourcing as well as existing cards, page kept only as a reference. Reward point redemption towards InterMiles on other IndusInd cards ended 21 Jan 2025.","id":737,"depth":"partial","slug":"indusind-intermiles-voyage-visa","url":"https://m16s.in/cards/indusind-intermiles-voyage-visa/"},{"issuer":"IndusInd Bank","card_name":"Poonawalla Fincorp IndusInd Bank eLITE RuPay","cobrand_partner":"Poonawalla Fincorp","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Discontinued. Fees not stated on the product page","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Earn table partly lost in the fetched text. Readable: e-commerce 2.5 RP per Rs 100; 0.5 RP per Rs 100 on the reduced rows (travel and/or select merchant categories) for e-commerce, UPI and point-of-sale. The issuer value chart implies 1 RP per Rs 100 on UPI and point-of-sale spend","base_return_pct":null,"accelerated_earn":"2.5 RP per Rs 100 on e-commerce transactions","reward_caps":null,"reward_exclusions":"No RP on fuel. Reduced earn on select merchant categories: utility bill payments, insurance premiums, government services/charges, education fees, rent","point_value":"Not stated; the issuer value chart implies about Rs 0.40 per RP","points_expiry":"24 months from the points credit date","reward_notes":"base_return_pct null: base rate and point value are only implied by the issuer's savings chart (Rs 6,000 a month e-commerce = Rs 720 a year).","transfer_partners":["Singapore KrisFlyer"],"transfer_ratio":null,"lounge_domestic":"RuPay exclusive lounge at Delhi T3 (access policy behind a link)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver at all fuel stations in India on transactions between Rs 400 and Rs 4,000","milestone_benefits":"3,000 bonus RP on spending Rs 4,00,000 or more within one year of card issuance","other_freebies":"BookMyShow buy-one-get-one, one free ticket a month, Rs 200 cap; UPI linkable; Total Protect fraud cover up to the credit limit","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/poonawalla-platinum-rupay-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["base_earn","point_value"],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read as plain text on 2026-10-12; no aggregator used. Issuer page marks the card '(Discontinued)': the IndusInd-Poonawalla Fincorp partnership is ending and the card is upgraded to the IndusInd Bank Platinum RuPay Credit Card effective 5 Oct 2025. eLITE and eLITE edge are the same card.","id":738,"depth":"partial","slug":"poonawalla-fincorp-indusind-bank-elite-rupay","url":"https://m16s.in/cards/poonawalla-fincorp-indusind-bank-elite-rupay/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Cashback+","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":200000,"fee_notes":"MITC lists Rs 750 joining and Rs 750 annual; issuer listing page shows joining Rs 0 as a limited-time first-year-free offer. Fees may vary by channel and customer type.","welcome_benefit":null,"reward_currency":"Cashback points (1 point = Rs 1)","base_earn":"0.5% on other eligible spends, unlimited","base_return_pct":0.5,"accelerated_earn":"5% on online grocery, online food delivery, online movie tickets and OTT (e-commerce MCCs 5411, 5422, 5441, 5451, 5462, 5499, 5812, 5814, 5968, 7832, 7922, 4899, 7829); 3% on fuel (MCC 5172, 5541, 5983)","reward_caps":"Accelerated cashback (5% and 3% together) capped at 750 per billing cycle; after the cap those categories earn nothing, not the base rate. Cashback earned in whole rupees only.","reward_exclusions":"Rent, B2B, utilities, insurance, education, government, wallet, online skill-based gaming, EMI conversions, balance transfer","point_value":"1 point = Rs 1 as cashback, claimed on Kotak Unbox","points_expiry":"1 year from accrual if unclaimed","reward_notes":"Cashback is not auto-credited; it must be claimed on Kotak Unbox. No redemption fee. Offline grocery, dining and entertainment earn only 0.5%. RuPay variant: UPI spends earn 0.5% only, even in accelerated categories. base_return_pct = stated base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 txns, cap Rs 3,500 per anniversary year","milestone_benefits":null,"other_freebies":"BookMyShow 20% off up to Rs 150 on min Rs 299, once a month (offer stated valid till 30 Sep 2026)","interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"Cash withdrawal not available","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-cashback-plus-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2026/files/CB+_Cashback%20Program%20Guide.pdf","https://cardinsider.com/kotak-mahindra-bank/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"The 750 cap means the 5% rate stops at Rs 15,000 of accelerated spend a month. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":314,"depth":"full","slug":"kotak-mahindra-kotak-cashback","url":"https://m16s.in/cards/kotak-mahindra-kotak-cashback/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Cashback+ Prime","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":200000,"fee_notes":"Rs 750 joining and annual per MITC and product page; waiver on Rs 2 lakh retail spend in a year.","welcome_benefit":null,"reward_currency":"Cashback points (1 point = Rs 1)","base_earn":"0.5% on other eligible spends, unlimited","base_return_pct":0.5,"accelerated_earn":"5% on online food delivery, online grocery, entertainment and auto dealer merchants; 3% on fuel","reward_caps":"Accelerated categories capped at 750 points per billing cycle, then nil. Insurance earns 0.5% only on up to Rs 25,000 spend per billing cycle.","reward_exclusions":"Rent, B2B, utilities, education, government, wallet, online skill-based gaming, EMI","point_value":"1 point = Rs 1 as cashback on the Kotak rewards platform","points_expiry":"1 year if unclaimed","reward_notes":"Differs from Cashback+ by adding auto dealer merchants at 5% and letting insurance earn 0.5% up to Rs 25,000 a cycle. No redemption fee. base_return_pct = stated base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 txns, cap Rs 3,500 per anniversary year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"Cash withdrawal not available","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-cashback-plus-prime-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","eligibility"],"date_read":"2026-10-11","notes":"Product T&C PDF is linked from the page but was not opened. Target audience for the Prime variant is not stated on the page. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":315,"depth":"full","slug":"kotak-mahindra-kotak-cashback-prime","url":"https://m16s.in/cards/kotak-mahindra-kotak-cashback-prime/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Air","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["travel","rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":250000,"fee_notes":"MITC: Rs 999 joining and annual, annual waived on Rs 2.5 lakh retail spend in the anniversary year. Issuer listing shows joining Rs 0 as a limited-time offer.","welcome_benefit":"1,000 Air Miles within 120 days of issuance, only if the joining fee is paid; 1,000 Air Miles on each renewal fee paid","reward_currency":"Kotak Air Miles","base_earn":"1 Air Mile per Rs 100","base_return_pct":1.0,"accelerated_earn":"3 Air Miles per Rs 100 on flight and hotel bookings via Kotak Unbox","reward_caps":"Accelerated earn capped at 5,000 Air Miles per statement cycle, then 1 per Rs 100","reward_exclusions":"Utility/telecom, insurance, education, government, rent, fuel, wallet loads, EMI, online gaming, cash advance","point_value":"1 Air Mile = Rs 1 on flights/hotels via Kotak Unbox; Rs 0.50 on instant vouchers","points_expiry":"3 years from accrual","reward_notes":"Min 500 miles to redeem; miles can cover at most 80% of a booking. Partner transfers: min 1,000 miles, cap 1,00,000 miles per card per calendar year. base_return_pct = 1 mile per Rs 100 at Rs 1.","transfer_partners":["Air India Maharaja Club","British Airways","Cathay Pacific Asia Miles","Air France-KLM Flying Blue","United MileagePlus","Qatar Airways Privilege Club","Accor ALL","Marriott Bonvoy"],"transfer_ratio":"Air India 3:1; British Airways, Cathay, Flying Blue, United, Qatar and Accor 2:1; Marriott 3:1. Min 1,000 miles; cap 1,00,000 miles per card per calendar year.","lounge_domestic":"4 per year, max 2 per calendar quarter","lounge_international":"None","lounge_conditions":"Needs spend of Rs 60,000 or more in the previous calendar quarter; primary cardholder only; Rs 2 validation charge","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 3,500 per anniversary year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-air-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2025/files/Air%20Miles%20Transfer%20Ratio_Kotak%20Air%20Credit%20Card.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Transfers return half a partner mile or less per Air Mile, so Unbox travel at Rs 1 is usually the better use. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":316,"depth":"full","slug":"kotak-mahindra-kotak-air","url":"https://m16s.in/cards/kotak-mahindra-kotak-air/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Air+","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["travel","rewards"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":400000,"fee_notes":"MITC: Rs 3,000 joining and annual, annual waived on Rs 4 lakh retail spend in the anniversary year. Issuer listing shows joining Rs 0 as a limited-time offer.","welcome_benefit":"2,500 Air Miles within 120 days, only if the joining fee is paid; 2,500 Air Miles on each renewal fee paid","reward_currency":"Kotak Air Miles","base_earn":"2 Air Miles per Rs 100","base_return_pct":2.0,"accelerated_earn":"5 Air Miles per Rs 100 on flight and hotel bookings via Kotak Unbox","reward_caps":"Incremental accelerated miles capped at 15,000 per statement cycle, then 2 per Rs 100","reward_exclusions":"Utility/telecom, insurance, education, government, rent, fuel, wallet loads, EMI, online gaming, cash advance, international transactions (MCC list in T&C)","point_value":"1 Air Mile = Rs 1 on flights/hotels via Kotak Unbox","points_expiry":"3 years from accrual","reward_notes":"Min 200 miles to redeem; miles cover at most 80% of a booking. No statement-credit redemption. International spends earn nothing. base_return_pct = 2 miles per Rs 100 at Rs 1.","transfer_partners":["Air Canada Aeroplan","Air France-KLM Flying Blue","British Airways","Cathay Pacific","Etihad Airways","Qatar Airways","United MileagePlus","Accor ALL","Marriott Bonvoy"],"transfer_ratio":"2 Air Miles : 1 for all listed airlines and Accor; 3 : 1 for Marriott. Min 1,000 miles, no maximum.","lounge_domestic":"4 per calendar year, max 2 per quarter","lounge_international":"2 per calendar year via Priority Pass","lounge_conditions":"Primary cardholder only; no spend condition stated; Rs 2 / USD 1 validation charge (USD 1 reversed)","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 4,500 per anniversary year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-air-plus-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2025/files/DetailedT&CKotakAir+CreditCard.pdf","https://images.kotak.bank.in/bank/mailers/2025/files/Air%20Miles%20Transfer%20Ratio.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"2% forex markup but international spends earn no Air Miles. Transfer value is half a partner mile per Air Mile. MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":317,"depth":"full","slug":"kotak-mahindra-kotak-air-317","url":"https://m16s.in/cards/kotak-mahindra-kotak-air-317/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Air+ Prime","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["travel","rewards"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":400000,"fee_notes":"Rs 3,000 joining and annual; MITC waives annual fee on Rs 4 lakh retail spend in the anniversary year.","welcome_benefit":"3,000 Air Miles within 120 days, only if the joining fee is paid; 3,000 Air Miles within 30 days of each annual fee payment","reward_currency":"Kotak Air Miles","base_earn":"2 Air Miles per Rs 100","base_return_pct":2.0,"accelerated_earn":"5 Air Miles per Rs 100 on flight/hotel bookings via Kotak Unbox; 5 per Rs 100 at auto dealer merchants (MCC 5013, 5511, 5521, 5533)","reward_caps":"Unbox travel: 15,000 Air Miles per statement cycle. Auto dealers: 1,500 Air Miles per cycle. Insurance (MCC 6300) earns on up to Rs 25,000 spend per cycle. After caps, 2 per Rs 100.","reward_exclusions":"Utility, telecom, education, government, rent, fuel, wallet loads, EMI, online gaming, cash advance, international spends; insurance MCCs 5960, 6381, 6399","point_value":"1 Air Mile = Rs 1 on flights/hotels via Kotak Unbox","points_expiry":"3 years from accrual","reward_notes":"Min 200 miles to redeem, max 80% of booking value; min 1,000 for partner transfers. The product page states instant vouchers at '1 Air Mile = Rs 5', which looks like a typo for Rs 0.5; not relied on. base_return_pct = 2 miles per Rs 100 at Rs 1.","transfer_partners":["Air India Maharaja Club","British Airways","Cathay Pacific Asia Miles","Air France-KLM Flying Blue","United MileagePlus","Qatar Airways Privilege Club","Air Canada Aeroplan","Etihad Guest","Accor ALL","Marriott Bonvoy"],"transfer_ratio":"2 Air Miles : 1 for all eight airlines and Accor; 3 : 1 for Marriott. Min 1,000 miles, no maximum.","lounge_domestic":"4 per year, max 2 per calendar quarter","lounge_international":"2 per year via Priority Pass","lounge_conditions":"Primary cardholder only; no spend condition stated","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 4,500 per anniversary year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-air-plus-prime-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2026/files/Air%20Miles%20Transfer%20Ratio_Kotak%20Air+%20Prime%20Credit%20Card%20clean%20copy.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":318,"depth":"full","slug":"kotak-mahindra-kotak-air-prime","url":"https://m16s.in/cards/kotak-mahindra-kotak-air-prime/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Solitaire","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["travel","rewards"],"status":"invite-only","joining_fee":0,"annual_fee":25000,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee while the holder is in Kotak's Solitaire programme; Rs 25,000 + GST annual fee applies if downgraded out of the programme. Metal card; up to 4 metal add-ons free.","welcome_benefit":null,"reward_currency":"Kotak Air Miles","base_earn":"3 Air Miles per Rs 100","base_return_pct":3.0,"accelerated_earn":"10 Air Miles per Rs 100 on flight and hotel bookings via Kotak Unbox","reward_caps":"Accelerated miles capped at 1,00,000 per statement cycle, then 3 per Rs 100. Spend rounded down to the nearest Rs 100.","reward_exclusions":"Rent, wallet, fuel, utility and telecom, insurance, education, government (tax payments do earn), digital gaming, international spends, EMI","point_value":"1 Air Mile = Rs 1 on Unbox travel; Rs 0.50 on vouchers","points_expiry":"3 years from credit","reward_notes":"No redemption fee. Min 500 miles for travel/vouchers, 2,000 for partner transfers, no transfer cap. base_return_pct = 3 miles per Rs 100 at Rs 1 on Unbox travel.","transfer_partners":["Air India Maharaja Club","British Airways","United MileagePlus","Cathay Pacific","Air France-KLM Flying Blue","Qatar Airways","Accor ALL","Marriott Bonvoy"],"transfer_ratio":"Air India 1:1; British Airways, United, Cathay, Flying Blue, Qatar, Accor 2:1; Marriott 3:1","lounge_domestic":"Unlimited for primary and add-on","lounge_international":"Unlimited for primary and add-on via Priority Pass","lounge_conditions":"Guests: 4 visits a year on the primary card (max 2 domestic, 2 international). No spend condition stated.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 10,000 per anniversary year","milestone_benefits":null,"other_freebies":"Concierge; Visa hotel offers (ITC, Elivaas); District by Zomato 20% off up to Rs 5,000 twice a month; Zomato Gold at Rs 1; PVR luxury-format buy-2-get-1 (time-bound offers)","interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"1% of amount; no interest on cash withdrawals until the payment due date","eligibility":"Invite-only; holder must be part of Kotak's Solitaire programme. Criteria not stated on the card page.","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-solitaire-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/key-fact-statement-kfs-solitaire.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Zero forex markup, but international spends earn no Air Miles. No overlimit, rent, utility, fuel, wallet or education surcharges per KFS. Page ran a 30% transfer bonus 1 Jul-30 Sep 2026 that also named Air Canada and Etihad as partners.","id":319,"depth":"full","slug":"kotak-mahindra-kotak-solitaire","url":"https://m16s.in/cards/kotak-mahindra-kotak-solitaire/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak White Reserve","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":12500,"annual_fee":12500,"fee_waiver_spend":1000000,"fee_notes":"Rs 12,500 joining and annual; annual waived on Rs 10 lakh retail spend in a year. Programme-linked free variants exist for Privy League / Private Banking clients.","welcome_benefit":null,"reward_currency":"White Pass (milestone value, not per-transaction points)","base_earn":"No per-rupee earn. White Pass credited at annual spend milestones.","base_return_pct":null,"accelerated_earn":"Milestones per anniversary year (cumulative White Pass): Rs 3L 5,000; 6L 11,000; 10L 20,000; 15L 32,000; 20L 45,000; 30L 69,000; 40L 95,000; 50L 1,23,000; 75L 1,86,000; 1Cr 2,50,000","reward_caps":"Maximum White Pass value Rs 2.5 lakh a year (at Rs 1 crore spend). Nothing earned below Rs 3 lakh.","reward_exclusions":"Excluded MCCs are in the linked MCC list (not read). Not credited if the customer holds more than one active White / White Reserve card.","point_value":"1 White Pass = Rs 1 on catalogue vouchers, flights, hotels and partner transfers; Rs 0.70 as cashback","points_expiry":"15 months from date of credit","reward_notes":"Effective return is stepwise: 1.67% at exactly Rs 3L, 2.0% at 10L, 2.25% at 20L, 2.5% at 1Cr; spend between steps earns nothing extra. base_return_pct left null because there is no base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited for primary and add-on","lounge_international":"Unlimited for primary and add-on (1,000+ airports)","lounge_conditions":"Guest visits charged USD 35 per guest per visit once complimentary guest visits are used; number of free guest visits not stated","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 4,500 per anniversary year","milestone_benefits":"See White Pass milestones","other_freebies":"2 golf rounds a month (primary only); luxury concierge; Club Marriott membership (up to 25% off F&B, 20% off rooms in India)","interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/white-reserve-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/white-reserve-credit-card/whitepass.html"],"source_quality":"primary","unverified_fields":["transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"White Pass page says it can be transferred to airline and hotel partners, but names and ratios were not found. No overlimit, rent, utility, fuel or wallet surcharges on this card per MITC.","id":320,"depth":"full","slug":"kotak-mahindra-kotak-white-reserve","url":"https://m16s.in/cards/kotak-mahindra-kotak-white-reserve/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak White","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":500000,"fee_notes":"Rs 3,000 joining and annual; annual waived on Rs 5 lakh retail spend in a year. Free programme-linked variants exist; those do not get the joining gift.","welcome_benefit":"Rs 1,500 reward value on Rs 30,000 spend within 60 days (paid variant only)","reward_currency":"White Pass (milestone value)","base_earn":"No per-rupee earn. White Pass credited at annual spend milestones.","base_return_pct":null,"accelerated_earn":"Milestones per anniversary year (cumulative): Rs 2L 2,000; 4L 6,000; 6L 12,000; 9L 19,000; 12L 27,000","reward_caps":"Maximum Rs 27,000 a year (at Rs 12 lakh). Nothing below Rs 2 lakh.","reward_exclusions":"From 1 Apr 2026 transportation and education spends do not count towards milestones (by MCC). Not credited if more than one White / White Reserve card is held.","point_value":"1 point = Rs 1 on the Kotak Unbox voucher catalogue; Rs 0.70 as cashback","points_expiry":"Balance must be claimed within 90 days after each anniversary cycle","reward_notes":"Stepwise return: 1.0% at exactly Rs 2L, 2.0% at 6L, 2.25% at 12L. base_return_pct null because there is no base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"4 per year via Priority Pass","lounge_conditions":"From 1 Apr 2026: spend Rs 1,00,000 or more in a calendar quarter to get 2 lounge visits in the next quarter. Primary only; guests and extra visits USD 35.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-7,500 txns, cap Rs 3,500 per year; railway surcharge waiver up to Rs 500 a year","milestone_benefits":"See White Pass milestones","other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 28-60; income Rs 25 lakh a year and above; select metros only","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/white-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Rent payments cost 2% + GST on this card. Lounge access became spend-gated from April 2026. MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":321,"depth":"full","slug":"kotak-mahindra-kotak-white","url":"https://m16s.in/cards/kotak-mahindra-kotak-white/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Zen Signature","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","shopping"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":150000,"fee_notes":"Rs 1,500 joining and annual; annual waived on Rs 1.5 lakh retail spend in a year. A free variant exists without the welcome gift.","welcome_benefit":"1,500 Zen points after the Rs 1,500 joining fee is paid","reward_currency":"Zen Points","base_earn":"5 Zen points per Rs 150","base_return_pct":0.83,"accelerated_earn":"10 Zen points per Rs 150 on apparel, lifestyle, departmental stores and jewellery (by MCC)","reward_caps":"Accelerated earn capped at 6,500 Zen points per statement cycle. Education and insurance earn on up to Rs 70,000 per cycle, utility up to Rs 50,000, government up to Rs 40,000.","reward_exclusions":"Wallet loads, fuel, rent, railways, online skill-based gaming, EMI conversions, balance transfer","point_value":"1 Zen point = Rs 0.25 on merchandise and vouchers; Rs 0.20 as cashback","points_expiry":"2 years from accrual","reward_notes":"base_return_pct = 5 points per Rs 150 x Rs 0.25 = 0.83%; accelerated = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"3 per calendar year via Priority Pass","lounge_conditions":"Domestic needs Rs 75,000 spend in the previous calendar quarter (from 1 Jun 2025). International: primary only; guests and extra visits USD 35.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 3,500 per anniversary year; railway surcharge waiver up to Rs 500","milestone_benefits":"7,500 Zen points at Rs 3 lakh annual spend and a further 7,500 at Rs 6 lakh","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2026/files/Zen_Rewards%20Program%20Guide.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Capped and restricted MCCs do not count towards fee waiver or milestones. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":322,"depth":"full","slug":"kotak-mahindra-kotak-zen-signature","url":"https://m16s.in/cards/kotak-mahindra-kotak-zen-signature/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak League Platinum","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"MITC: joining Rs 499 or nil depending on variant, annual Rs 499, waived on Rs 50,000 retail spend in a year. Issuer listing shows Rs 0 / Rs 0.","welcome_benefit":"5,000 reward points (stated worth Rs 500) on the paid joining-fee variant only","reward_currency":"Reward Points","base_earn":"4 points per Rs 150 (8 per Rs 150 once annual spend crosses Rs 2 lakh)","base_return_pct":0.27,"accelerated_earn":"8 points per Rs 150 on special categories: travel agencies, tour operators, airlines, electric sales, durable goods, departmental stores","reward_caps":"Utility spends earn points only up to Rs 35,000 per statement cycle","reward_exclusions":"Wallet loads, online skill-based gaming, insurance, government, rent, education, fuel, railways (MCC list on page)","point_value":"Issuer page illustration uses 1 point = Rs 0.10 (welcome 5,000 points = Rs 500)","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 150 x Rs 0.10 = 0.27%; 0.53% at the 8-point rate. Point value taken from the issuer's own illustration; redemption catalogue not read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 txns, cap Rs 3,500 per anniversary year; railway surcharge waiver up to Rs 500","milestone_benefits":"Spend Rs 1,25,000 every 6 months: 4 PVR tickets (up to Rs 400 each) or 10,000 reward points; claim within 3 months","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not read (separate eligibility page)","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://cardinsider.com/kotak-mahindra-bank/"],"source_quality":"primary","unverified_fields":["networks","points_expiry","point_value"],"date_read":"2026-10-11","notes":"Excluded categories also do not count towards the milestone. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":323,"depth":"full","slug":"kotak-mahindra-kotak-league-platinum","url":"https://m16s.in/cards/kotak-mahindra-kotak-league-platinum/"},{"issuer":"Kotak Mahindra Bank","card_name":"IndiGo Kotak","cobrand_partner":"IndiGo","networks":["RuPay"],"segment":"mid","card_type":["cobrand","travel"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"Rs 1,500 joining and annual, no spend waiver. If the fee is waived, welcome and renewal benefits are not given.","welcome_benefit":"2,500 IndiGo BluChips voucher (needs joining fee paid by due date)","reward_currency":"IndiGo BluChips","base_earn":"1 BluChip per Rs 100","base_return_pct":null,"accelerated_earn":"Up to 19 BluChips per Rs 100 on IndiGo bookings on IndiGo web/app (8 member base + 3 card + 4 channel + up to 4 tier bonus); 2 per Rs 100 on dining and entertainment","reward_caps":"No cap stated","reward_exclusions":"Rent, wallet, education, government, utilities, insurance, online skill-based gaming, B2B; IndiGo bookings on third-party sites; group, corporate, SME and agent bookings","point_value":"Set by IndiGo; not stated by the bank","points_expiry":"BluChips: lifetime validity per issuer page. Vouchers: 6 months.","reward_notes":"BluChip value is set by IndiGo and is not stated by Kotak. Welcome, milestone and renewal benefits come as BluChip vouchers valid 6 months, usable on base fare only, not on return or multi-segment trips, and consumed in full on use. base_return_pct null because the bank states no BluChip value. Only 3 of the 19 BluChips per Rs 100 on IndiGo come from the card itself.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":"2,500 BluChip voucher each at Rs 1.25 lakh, Rs 2.5 lakh and Rs 6 lakh anniversary-year spend (max 7,500)","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2025/files/Kotak%20IndiGo%20Credit%20Card%20TnC.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Replaced the 6E Rewards card in Oct 2025. Page mentions RuPay UPI on the card; other networks not confirmed. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":324,"depth":"full","slug":"kotak-mahindra-indigo-kotak","url":"https://m16s.in/cards/kotak-mahindra-indigo-kotak/"},{"issuer":"Kotak Mahindra Bank","card_name":"IndiGo Kotak Premium (XL)","cobrand_partner":"IndiGo","networks":["RuPay"],"segment":"mid","card_type":["cobrand","travel"],"status":"open","joining_fee":3000,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Rs 3,000 joining and annual, no spend waiver. If the fee is waived, welcome and renewal benefits are not given.","welcome_benefit":"4,000 IndiGo BluChips voucher plus a 6E Eats voucher; same again on each renewal fee paid","reward_currency":"IndiGo BluChips","base_earn":"2 BluChips per Rs 100","base_return_pct":null,"accelerated_earn":"Up to 21 BluChips per Rs 100 on IndiGo bookings on IndiGo web/app (8 member base + 5 card + 4 channel + up to 4 tier bonus); 3 per Rs 100 on dining and entertainment","reward_caps":"No cap stated","reward_exclusions":"Rent, wallet, education, government, utilities, insurance, online skill-based gaming, B2B; IndiGo bookings on third-party sites; group, corporate, SME and agent bookings","point_value":"Set by IndiGo; not stated by the bank","points_expiry":"BluChips: lifetime validity per issuer page. Vouchers: 6 months.","reward_notes":"BluChip value is set by IndiGo and is not stated by Kotak. Welcome, milestone and renewal benefits come as BluChip vouchers valid 6 months, usable on base fare only, not on return or multi-segment trips, and consumed in full on use. base_return_pct null because the bank states no BluChip value. Only 5 of the 21 BluChips per Rs 100 on IndiGo come from the card itself.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per calendar quarter)","lounge_international":"None","lounge_conditions":"No spend condition per issuer FAQ","forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":"4,000 BluChip voucher each at Rs 1.5 lakh, 4 lakh, 7.5 lakh and 12 lakh anniversary-year spend (max 16,000)","other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated on issuer page","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-xl-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://images.kotak.bank.in/bank/mailers/2025/files/Kotak%20IndiGo%20Credit%20Card%20TnC.pdf"],"source_quality":"primary","unverified_fields":["networks","interest_rate_monthly_pct"],"date_read":"2026-10-31","notes":"Named both 'IndiGo Kotak XL' and 'IndiGo Kotak Premium' on the bank's site. MITC interest row for this card was not legible. MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":325,"depth":"full","slug":"kotak-mahindra-indigo-kotak-premium-xl","url":"https://m16s.in/cards/kotak-mahindra-indigo-kotak-premium-xl/"},{"issuer":"Kotak Mahindra Bank","card_name":"IndianOil Kotak","cobrand_partner":"IndianOil","networks":["RuPay"],"segment":"entry","card_type":["cobrand","fuel"],"status":"open","joining_fee":449,"annual_fee":449,"fee_waiver_spend":50000,"fee_notes":"Rs 449 joining and annual; annual waived on Rs 50,000 retail spend in the anniversary year (KFS).","welcome_benefit":"1,000 reward points on Rs 500 spend within 30 days (aggregator)","reward_currency":"Reward Points","base_earn":"3 points per Rs 150","base_return_pct":0.5,"accelerated_earn":"24 points per Rs 150 on fuel at IndianOil outlets; 12 per Rs 150 on grocery and dining","reward_caps":"Fuel: 1,200 points a month; grocery and dining: 800 points a month (aggregator)","reward_exclusions":"No rewards on education, wallet loads, rent or online skill-based gaming; per statement cycle, utility earns up to Rs 50,000, government up to Rs 40,000, insurance up to Rs 70,000","point_value":"Rs 0.25 per point on the Kotak catalogue; Rs 0.20 as cashback; 300 points = 250 IndianOil XTRAREWARDS points (aggregator)","points_expiry":null,"reward_notes":"Issuer listing states '5% fuel savings at IndianOil pumps' and '2% reward points on grocery and dining'. Earn rates, caps and point values are from Card Insider; the issuer product page did not load. base_return_pct = 3 points per Rs 150 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 100-5,000 txns at IndianOil pumps only, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65, Indian resident (aggregator)","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/KFS-Indian-Oil.pdf","source_other":["https://cardinsider.com/kotak/indianoil-kotak-credit-card/","https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","reward_caps","point_value","base_return_pct","eligibility"],"date_read":"2026-10-31","notes":"No fuel-transaction surcharge on this card per MITC. Utility spend above Rs 35,000 a cycle costs 1%; rent 1%.","id":326,"depth":"full","slug":"kotak-mahindra-indianoil-kotak","url":"https://m16s.in/cards/kotak-mahindra-indianoil-kotak/"},{"issuer":"Kotak Mahindra Bank","card_name":"PVR INOX Kotak","cobrand_partner":"PVR INOX","networks":null,"segment":"entry","card_type":["cobrand"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Nil joining, Rs 499 annual, no spend waiver (KFS). Add-on card Rs 299.","welcome_benefit":null,"reward_currency":"PVR INOX movie tickets (M-Coupons)","base_earn":"1 movie ticket (up to Rs 300) per Rs 10,000 spent in a monthly billing cycle","base_return_pct":3.0,"accelerated_earn":"20% off food and beverages and 5% off movie tickets at PVR INOX (theatre, app, website)","reward_caps":"No cap on tickets stated. Each ticket covers up to Rs 300; taxes and convenience fees paid by cardholder.","reward_exclusions":"Rent, wallet loads and online skill-based gaming do not count towards ticket spend","point_value":"1 M-Coupon = 1 ticket up to Rs 300","points_expiry":"Claim within 2 billing cycles; M-Coupon valid 60 days from claim","reward_notes":"Stepwise: nothing below Rs 10,000 in a cycle, then 1 ticket per full Rs 10,000. base_return_pct = Rs 300 per Rs 10,000 = 3% best case, in ticket value only.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (in-cinema lounge access only)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 21-60, resident of India","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/pvr-inox-kotak-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/key-fact-statement-kfs-pvr-inox.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":327,"depth":"full","slug":"kotak-mahindra-pvr-inox-kotak","url":"https://m16s.in/cards/kotak-mahindra-pvr-inox-kotak/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak UPI RuPay","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free virtual card; no physical card and no add-ons.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"3 points per Rs 100 on UPI and regular card spends","base_return_pct":0.3,"accelerated_earn":null,"reward_caps":"Utility spends earn only up to Rs 35,000 per statement cycle","reward_exclusions":"Wallet loads, online skill-based gaming, insurance, government, rent, education, fuel, railway, EMI, balance transfer","point_value":"1,000 points = Rs 100 (Rs 0.10 per point); minimum 1,000 points to redeem","points_expiry":null,"reward_notes":"base_return_pct = 3 points per Rs 100 x Rs 0.10 = 0.3%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"Cash withdrawal not available","eligibility":"Age 18+; must be an existing Kotak credit card holder","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-upi-rupay-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/KFS-Kotak-UPI-Rupay-CC.pdf"],"source_quality":"primary","unverified_fields":["points_expiry"],"date_read":"2026-10-11","notes":"Only available as a second card to existing Kotak cardholders. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":328,"depth":"full","slug":"kotak-mahindra-kotak-upi-rupay","url":"https://m16s.in/cards/kotak-mahindra-kotak-upi-rupay/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak 811","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"Rs 500 joining and annual; annual waived on Rs 50,000 retail spend in a year. Add-on Rs 200.","welcome_benefit":"500 bonus points on Rs 5,000 spend within 45 days (aggregator)","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 offline","base_return_pct":0.25,"accelerated_earn":"2 points per Rs 100 online","reward_caps":null,"reward_exclusions":"No rewards on education, wallet loads, fuel, rent, government, insurance or online skill-based gaming; utility spends earn only up to Rs 35,000 per statement cycle","point_value":"1 point = Rs 0.25 (aggregator)","points_expiry":null,"reward_notes":"Earn rates and milestone are on the issuer listing page; point value from Card Insider. base_return_pct = 1 point per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 txns, cap Rs 3,500 per year; railway surcharge waiver up to Rs 500","milestone_benefits":"3 PVR tickets on Rs 75,000 anniversary spend (issuer listing; aggregator says 4 tickets or Rs 750 cashback)","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Age 18-65 (aggregator)","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://cardinsider.com/kotak/kotak-811-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","point_value","base_return_pct","eligibility","milestone_benefits"],"date_read":"2026-10-31","notes":"Dedicated product page not read. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":329,"depth":"full","slug":"kotak-mahindra-kotak-811","url":"https://m16s.in/cards/kotak-mahindra-kotak-811/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak 811 Dream Different","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["secured","rewards"],"status":"open","joining_fee":424,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining Rs 250, waived if the credit limit is Rs 18,000 or more at activation. KFS/MITC add an annual fee of Rs 424 from 1 Sep 2026 with no waiver (earlier nil); table layout was ambiguous, so confirm. A metal variant is listed at Rs 3,500. Rs 170 cancellation fee if closed within 90 days (from 1 Sep 2026).","welcome_benefit":"500 bonus points on Rs 5,000 spend within 45 days (aggregator)","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 (aggregator)","base_return_pct":0.2,"accelerated_earn":"2 to 4 points per Rs 100 online (aggregator page is internally inconsistent)","reward_caps":null,"reward_exclusions":"Cash withdrawals, fuel, railway (aggregator)","point_value":"1 point = Rs 0.20 (aggregator)","points_expiry":null,"reward_notes":"Rewards data is from Card Insider only; the Kotak811 product page renders by script and could not be read. base_return_pct = 1 point per Rs 100 x Rs 0.20.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 500-4,000 txns, cap Rs 3,500 per anniversary year; railway surcharge waiver up to Rs 500","milestone_benefits":"Rs 1,000 Amazon voucher on Rs 72,000 anniversary spend (aggregator)","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"Rs 100 per ATM withdrawal or fund transfer; cash advances interest-free within the billing cycle","eligibility":"Issued against a Kotak term deposit of at least Rs 10,000, tenure at least one year one day, auto-renewal; HUF and partnership firm deposits not eligible; no income proof. Terms state a limit of 80% of the deposit; the product page says up to 90%.","source_product_page":"https://www.kotak811.bank.in/credit-cards/811-dream-different-credit-card-against-fd","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/dreamdifferent.pdf","source_other":["https://cardinsider.com/kotak/kotak-811-dreamdifferent-credit-card/","https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","point_value","base_return_pct","milestone_benefits","reward_exclusions"],"date_read":"2026-10-31","notes":"No longer strictly lifetime free from 1 Sep 2026 if the Rs 424 annual fee reading is right. Rent costs 2%. No overlimit fee. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":330,"depth":"full","slug":"kotak-mahindra-kotak-811-dream-different","url":"https://m16s.in/cards/kotak-mahindra-kotak-811-dream-different/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak811 Super Money","cobrand_partner":"super.money","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","upi","cashback"],"status":"open","joining_fee":249,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining Rs 249, waived with a fixed deposit of Rs 5,000 or more at activation; no annual fee (KFS/MITC).","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% on UPI spends via the super.money app (min txn Rs 100)","base_return_pct":1.0,"accelerated_earn":"5% on Myntra and 2% on Flipkart (non-UPI) per aggregator","reward_caps":"UPI cashback Rs 500 per cycle; Myntra and Flipkart share a Rs 500 cap (aggregator)","reward_exclusions":"Government, utilities, telecom, insurance, education, fuel, jewellery, real estate, financial institutions, cash, loan repayments and other restricted MCCs (aggregator)","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"Issuer listing confirms 1% cashback on UPI via super.money; the rest of the reward grid is from Card Insider. base_return_pct = 1% UPI rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"Rs 100 per ATM withdrawal and fund transfer per MITC (KFS says cash advance not available)","eligibility":"FD-backed; applied for in the super.money app; needs a Kotak811 account","source_product_page":null,"source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/key-fact-statement-kfs-kotak-811-super-money-creditcard.pdf","source_other":["https://cardinsider.com/kotak/kotak811-super-money-credit-card/","https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_caps","reward_exclusions","eligibility","cash_advance_fee"],"date_read":"2026-10-11","notes":"Rent costs 2%. No overlimit fee. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":331,"depth":"full","slug":"kotak-mahindra-kotak811-super-money","url":"https://m16s.in/cards/kotak-mahindra-kotak811-super-money/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak BizEdge","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Rs 999 joining and annual; annual waived on Rs 2 lakh spend in 12 months (KFS).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Up to 2 points per Rs 150","base_return_pct":0.33,"accelerated_earn":"5X on business essentials (utility, tax, GST, insurance, government, fuel, office supplies, telecom, electronics), 5X on SaaS via Nuclei (Visa variant only), 5X on flights and hotels via Kotak Unbox","reward_caps":"Business essentials: 2,500 points per statement cycle. Flights, hotels and SaaS: 1,00,000 points.","reward_exclusions":"EMI, rent, wallets, education and other select categories","point_value":"1 point = Rs 0.25 on Kotak Unbox only","points_expiry":"36 months","reward_notes":"Min 500 points to redeem; points cover up to 80% of cart value. base_return_pct = 2 points per Rs 150 x Rs 0.25 = 0.33%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not applicable","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"<100 nil; 100-500 Rs 100; 501-5,000 Rs 500; 5,001-10,000 Rs 600; 10,001-25,000 Rs 800; 25,001-50,000 Rs 1,000; >50,000 Rs 1,200","cash_advance_fee":"Cash withdrawal not available","eligibility":"Business card; criteria not stated","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/biz-edge-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/corporate-cards/kfs-biz-edge-credit-card-23Oct_compressed.pdf","source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Up to 55 days interest-free. SaaS 5X not available on the RuPay variant.","id":332,"depth":"full","slug":"kotak-mahindra-kotak-bizedge","url":"https://m16s.in/cards/kotak-mahindra-kotak-bizedge/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Biz","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["business","rewards"],"status":"invite-only","joining_fee":299,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Rs 299 joining, Rs 499 annual, no waiver condition (KFS).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"4 points per Rs 100 on travel and tour operators, domestic airlines, direct marketing/advertising, supermarkets, lodging (by Visa MCC)","reward_caps":"Category caps referenced to MITC; not listed on page","reward_exclusions":"Wallet loads, fuel, rent, online gaming","point_value":"Rs 0.25 per point on recharge/shopping; Rs 0.20 as cash from 1 Jun 2025","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary domestic lounge access per calendar quarter (count not stated)","lounge_international":"None","lounge_conditions":"Needs Rs 75,000 spend in the previous calendar quarter","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 2,500 per year; railway surcharge waiver up to Rs 500","milestone_benefits":null,"other_freebies":"Travel insurance programme: card liability Rs 50,000; flight delay, baggage, documents Rs 10,000 each","interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Invite-only per issuer listing","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/biz-credit-card/features.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://www.kotak.bank.in/content/dam/Kotak/Customer-Service/others/kfs.pdf"],"source_quality":"primary","unverified_fields":["points_expiry"],"date_read":"2026-10-11","notes":"MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":333,"depth":"full","slug":"kotak-mahindra-kotak-biz","url":"https://m16s.in/cards/kotak-mahindra-kotak-biz/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Solitaire Business","cobrand_partner":null,"networks":null,"segment":"premium","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":3499,"fee_waiver_spend":600000,"fee_notes":"Nil joining, Rs 3,499 annual; waived for Solitaire programme customers, or on Rs 6 lakh spend in 12 months for others (KFS).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 points per Rs 150","base_return_pct":0.67,"accelerated_earn":"'Up to 7X' on travel via Kotak Unbox (basis not explained on page). Special categories (utility, grocery, insurance, government incl. taxes, railways) earn 1 point per Rs 150.","reward_caps":"Special categories: 1,000 points per statement cycle. Unbox travel accelerated points: 1,00,000 per cycle.","reward_exclusions":"EMI, international spends, rent, wallets, fuel, education","point_value":"1 point = Rs 0.50 on Kotak Unbox","points_expiry":null,"reward_notes":"Min 500 points; points can cover 100% of cart on Unbox. Vouchers and partner-mile transfer marked 'live soon'. base_return_pct = 2 points per Rs 150 x Rs 0.50 = 0.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"1 per year via Priority Pass","lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 5,000 per anniversary year","milestone_benefits":null,"other_freebies":"Travel insurance; SaaS discounts via Nuclei","interest_rate_monthly_pct":1.99,"late_payment_fee":"<100 nil; 100-500 Rs 100; 501-5,000 Rs 500; 5,001-10,000 Rs 600; 10,001-25,000 Rs 800; 25,001-50,000 Rs 1,000; >50,000 Rs 1,200","cash_advance_fee":"Cash withdrawal not available","eligibility":"Business card; criteria not stated","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/solitaire-business-credit-card.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/corporate-cards/kfs-solitaire-business-ccc.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","points_expiry"],"date_read":"2026-10-11","notes":"Unusually low interest (1.99% a month) and forex markup (1.99%) for an Indian card.","id":334,"depth":"full","slug":"kotak-mahindra-kotak-solitaire-business","url":"https://m16s.in/cards/kotak-mahindra-kotak-solitaire-business/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Private","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards"],"status":"invite-only","joining_fee":0,"annual_fee":49000,"fee_waiver_spend":null,"fee_notes":"Nil joining, Rs 49,000 annual; waived for eligible Kotak Private (private banking) clients (KFS).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 10,000 per anniversary year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"1% of amount; cash advances interest-free within the billing cycle","eligibility":"Kotak Private Banking clients","source_product_page":null,"source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/Customer-Service/others/kfs-kotak-private-credit-card.pdf","source_other":[],"source_quality":"primary","unverified_fields":["forex_markup_pct","networks"],"date_read":"2026-10-11","notes":"Only the Key Fact Statement was found; no public product page, so rewards and lounge terms are not documented. No reward redemption fee, no overlimit fee.","id":335,"depth":"fees-only","slug":"kotak-mahindra-kotak-private","url":"https://m16s.in/cards/kotak-mahindra-kotak-private/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Infinite","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards"],"status":"invite-only","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual per MITC and issuer listing.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns, cap Rs 4,500; railway surcharge waiver eligible","milestone_benefits":null,"other_freebies":"Personalised card design, higher credit limit (issuer listing)","interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Not stated; offered to select banking relationships","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["status","networks"],"date_read":"2026-10-11","notes":"Thin public information; rewards not documented. No overlimit, utility or fuel surcharges per MITC. Status set to invite-only as a judgement: the listing gives no public apply criteria.","id":336,"depth":"fees-only","slug":"kotak-mahindra-kotak-infinite","url":"https://m16s.in/cards/kotak-mahindra-kotak-infinite/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Mojo Platinum","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":100000,"fee_notes":"Joining fee waived on Rs 30,000 spend within 90 days; annual waived on Rs 1 lakh retail spend. Add-on Rs 299.","welcome_benefit":null,"reward_currency":"Mojo Points","base_earn":"1 Mojo point per Rs 100","base_return_pct":0.25,"accelerated_earn":"2.5 Mojo points per Rs 100 online","reward_caps":"Education/insurance earn up to Rs 70,000 a cycle, utility Rs 50,000, government Rs 40,000 (aggregator)","reward_exclusions":"Wallet loads, fuel, rent, online skill-based gaming","point_value":"Rs 0.25 per point on catalogue; Rs 0.20 as cash (aggregator)","points_expiry":"12 months (aggregator)","reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (aggregator)","lounge_international":"None","lounge_conditions":"Rs 75,000 spend in previous quarter (aggregator)","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 3,500; railway waiver up to Rs 500","milestone_benefits":"2,500 points on Rs 75,000 quarterly spend (issuer listing)","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://cardinsider.com/kotak/kotak-mojo-platinum-credit-card/"],"source_quality":"mixed","unverified_fields":["reward_caps","point_value","points_expiry","lounge_domestic","lounge_conditions","networks"],"date_read":"2026-10-11","notes":"Marked discontinued on Kotak's listing page. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":337,"depth":"full","slug":"kotak-mahindra-kotak-mojo-platinum","url":"https://m16s.in/cards/kotak-mahindra-kotak-mojo-platinum/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Royale Signature","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"MITC: joining Rs 1,499 or nil by variant; annual Rs 999 waived on Rs 1 lakh retail spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 points per Rs 150 (aggregator)","base_return_pct":null,"accelerated_earn":"4 points per Rs 150 on hotels, restaurants, airlines, travel agencies, international (aggregator)","reward_caps":null,"reward_exclusions":"Fuel, railway (aggregator)","point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (issuer listing)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 3,500; railway waiver up to Rs 500","milestone_benefits":"Up to 30,000 bonus points at Rs 8 lakh annual spend (issuer listing); 10,000 at Rs 4 lakh (aggregator)","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":["https://cardinsider.com/kotak/kotak-royale-signature-credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","accelerated_earn","reward_exclusions","networks"],"date_read":"2026-10-11","notes":"Discontinued for new applications per Kotak's listing page. Point value not confirmed. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":338,"depth":"full","slug":"kotak-mahindra-kotak-royale-signature","url":"https://m16s.in/cards/kotak-mahindra-kotak-royale-signature/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Privy League Signature","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":2500,"fee_waiver_spend":500000,"fee_notes":"Fee-paying variant Rs 2,500 annual, waived on Rs 5 lakh retail spend; a free variant exists for Privy League clients.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":"4 Priority Pass visits (issuer listing)","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 400-7,500 txns; max Rs 300 per calendar month (paid variant)","milestone_benefits":"Up to 30,000 bonus points at Rs 8 lakh spend; 16 PVR tickets (issuer listing)","other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Discontinued for new applications. 2% forex applies to the fee-paying variant; free variant 3.5%. Earn rates not read. MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":339,"depth":"fees-only","slug":"kotak-mahindra-kotak-privy-league-signature","url":"https://m16s.in/cards/kotak-mahindra-kotak-privy-league-signature/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak NRI Royale Signature","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Nil joining, Rs 1,000 annual, no waiver. Add-on Rs 599.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"2 reward points on spends outside India (unit not stated on listing)","reward_caps":null,"reward_exclusions":"No rewards on wallet loads, fuel, rent or online skill-based gaming; per statement cycle, utility earns up to Rs 50,000, education up to Rs 70,000, government up to Rs 40,000, insurance up to Rs 70,000","point_value":"1 point = Rs 1 (issuer listing)","points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 txns, cap Rs 3,500; railway waiver up to Rs 500","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"NRI customers; bill paid in INR","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","accelerated_earn","status"],"date_read":"2026-10-31","notes":"Listed on Kotak's page without a discontinued tag; details thin. MITC surcharges: 1% on utility spend above Rs 50,000/cycle, fuel above Rs 35,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":340,"depth":"fees-only","slug":"kotak-mahindra-kotak-nri-royale-signature","url":"https://m16s.in/cards/kotak-mahindra-kotak-nri-royale-signature/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Urbane Gold","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":199,"fee_waiver_spend":15000,"fee_notes":"Nil joining, Rs 199 annual, waived on Rs 15,000 retail spend in the year.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"3 points per Rs 100 on retail spends","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":"4 PVR tickets or 10,000 points at Rs 1 lakh annual spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Discontinued for new applications. Point value not read. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":341,"depth":"partial","slug":"kotak-mahindra-kotak-urbane-gold","url":"https://m16s.in/cards/kotak-mahindra-kotak-urbane-gold/"},{"issuer":"Kotak Mahindra Bank","card_name":"PVR Kotak Gold","cobrand_partner":"PVR","networks":null,"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Nil joining, Rs 499 annual. Add-on Rs 299.","welcome_benefit":null,"reward_currency":"PVR tickets","base_earn":"Free PVR tickets on monthly spend tiers","base_return_pct":null,"accelerated_earn":"15% cashback on F&B at PVR","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Discontinued for new applications; replaced by PVR INOX Kotak. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":342,"depth":"partial","slug":"kotak-mahindra-pvr-kotak-gold","url":"https://m16s.in/cards/kotak-mahindra-pvr-kotak-gold/"},{"issuer":"Kotak Mahindra Bank","card_name":"PVR Kotak Platinum","cobrand_partner":"PVR","networks":null,"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":0,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Nil joining, Rs 999 annual. Add-on Rs 299.","welcome_benefit":null,"reward_currency":"PVR tickets","base_earn":"2 free PVR tickets a month on Rs 10,000 monthly spend","base_return_pct":null,"accelerated_earn":"15% cashback on F&B and 5% on box-office tickets at PVR","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Not eligible","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards.html","source_mitc_or_tnc":"https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Discontinued for new applications; replaced by PVR INOX Kotak. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.","id":343,"depth":"partial","slug":"kotak-mahindra-pvr-kotak-platinum","url":"https://m16s.in/cards/kotak-mahindra-pvr-kotak-platinum/"},{"issuer":"Kotak Mahindra Bank","card_name":"Myntra Kotak","cobrand_partner":"Myntra","networks":null,"segment":"entry","card_type":["cobrand","cashback","shopping"],"status":"closed-to-new","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Rs 500 joining and annual; annual waived on Rs 2 lakh spend (aggregator).","welcome_benefit":"Rs 500 Myntra voucher on a first txn above Rs 500 within 30 days","reward_currency":"Cashback","base_earn":"1.25% on other spends","base_return_pct":1.25,"accelerated_earn":"7.5% instant discount on Myntra (cap Rs 750 per txn); 5% on Swiggy, Instamart, Cleartrip, Urban Company, PVR","reward_caps":"Partner 5% cashback capped at Rs 1,000 per cycle","reward_exclusions":"Wallet loads, rent, fuel, EMI; UPI earns only on txns of Rs 2,000 or more","point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000, cap Rs 3,500 a year","milestone_benefits":"2 PVR tickets (Rs 250 each) on Rs 50,000 quarterly spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/kotak/myntra-kotak-credit-card/"],"source_quality":"aggregator","unverified_fields":["joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","base_earn","accelerated_earn","reward_caps","reward_exclusions","lounge_domestic","fuel_surcharge_waiver","milestone_benefits","interest_rate_monthly_pct","forex_markup_pct","networks"],"date_read":"2026-10-11","notes":"Discontinued 10 July 2025 per Card Insider. Not in Kotak's current MITC fee table or listing page; all fields are aggregator-sourced and describe the card as last sold.","id":344,"depth":"full","slug":"kotak-mahindra-myntra-kotak","url":"https://m16s.in/cards/kotak-mahindra-myntra-kotak/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Corporate Platinum","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Fees as shown on Kotak's listing page; corporate programmes are priced per client.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"8 domestic lounge visits a year; monthly consolidated cashback; fuel waiver up to Rs 3,500 and railway waiver up to Rs 500 a year","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued to companies under a corporate card programme","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/business-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Corporate-liability product, not open to individual applicants. Kotak's corporate-card MITC exists but was not read; charges left null.","id":345,"depth":"fees-only","slug":"kotak-mahindra-kotak-corporate-platinum","url":"https://m16s.in/cards/kotak-mahindra-kotak-corporate-platinum/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Corporate Wealth Signature","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Fees as shown on Kotak's listing page; corporate programmes are priced per client.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"8 domestic lounge visits plus international lounge access via Priority Pass; monthly consolidated cashback; fuel and railway surcharge waivers","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued to companies under a corporate card programme","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/business-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Corporate-liability product, not open to individual applicants. Kotak's corporate-card MITC exists but was not read; charges left null.","id":346,"depth":"fees-only","slug":"kotak-mahindra-kotak-corporate-wealth-signature","url":"https://m16s.in/cards/kotak-mahindra-kotak-corporate-wealth-signature/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Corporate Gold","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Fees as shown on Kotak's listing page; corporate programmes are priced per client.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Real-time transaction alerts; free card replacement","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued to companies under a corporate card programme","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/business-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Corporate-liability product, not open to individual applicants. Kotak's corporate-card MITC exists but was not read; charges left null.","id":347,"depth":"fees-only","slug":"kotak-mahindra-kotak-corporate-gold","url":"https://m16s.in/cards/kotak-mahindra-kotak-corporate-gold/"},{"issuer":"Kotak Mahindra Bank","card_name":"Kotak Purchase Card","cobrand_partner":null,"networks":null,"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Fees as shown on Kotak's listing page; corporate programmes are priced per client.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Monthly consolidated cashback; dedicated relationship and service managers; interest-free period up to 48 days","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued to companies under a corporate card programme","source_product_page":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/business-credit-card.html","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Corporate-liability product, not open to individual applicants. Kotak's corporate-card MITC exists but was not read; charges left null.","id":348,"depth":"fees-only","slug":"kotak-mahindra-kotak-purchase-card","url":"https://m16s.in/cards/kotak-mahindra-kotak-purchase-card/"},{"issuer":"Punjab National Bank","card_name":"Visa Classic Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee, primary or add-on.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Nil","lounge_international":"Nil","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 10) refunded on fuel transactions of Rs 400-3,000; taxes not refunded","milestone_benefits":null,"other_freebies":"Visa network offers","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 2.5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types2.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":349,"depth":"full","slug":"punjab-national-visa-classic-credit-card","url":"https://m16s.in/cards/punjab-national-visa-classic-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Visa Gold Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":300,"fee_waiver_spend":null,"fee_notes":"Annual fee waived only if all three hold: card usage in preceding year exceeds the credit limit, at least one retail transaction (not fuel or cash) in every calendar quarter, and the account was never irregular. Add-on cards free.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Nil","lounge_international":"Nil","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 10) refunded on fuel transactions of Rs 400-3,000; taxes not refunded","milestone_benefits":null,"other_freebies":"Visa network offers","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 3.5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types1.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":350,"depth":"full","slug":"punjab-national-visa-gold-credit-card","url":"https://m16s.in/cards/punjab-national-visa-gold-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Visa Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Annual fee waived only if all three hold: card usage in preceding year exceeds the credit limit, at least one retail transaction (not fuel or cash) in every calendar quarter, and the account was never irregular. Add-on card joining fee Rs 500 each; add-on annual fee nil.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%. The bank's rewards page lists Visa Platinum at 2 points per Rs 150 while the card page says 1 point per Rs 100; card page value used.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Nil","lounge_international":"Nil","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 10) refunded on fuel transactions of Rs 500-4,000; taxes not refunded","milestone_benefits":null,"other_freebies":"Visa network offers","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types3.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["base_earn","base_return_pct"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":351,"depth":"full","slug":"punjab-national-visa-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-visa-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Visa Signature Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards"],"status":"open","joining_fee":1500,"annual_fee":2000,"fee_waiver_spend":300000,"fee_notes":"Annual fee waived on spends of Rs 3 lakh or more in the preceding year. Add-on joining fee Rs 500 per card; add-on annual fee nil. Cash withdrawals, reversals and fees do not count towards the waiver threshold.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"2 points per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 2 points x Rs 0.25 / Rs 100 = 0.5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Nil","lounge_international":"Nil","lounge_conditions":"Card page lists airport lounge access as Nil despite the Signature tier","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 10) refunded on fuel transactions of Rs 500-4,000; taxes not refunded","milestone_benefits":null,"other_freebies":"Visa Signature offers; 24x7 concierge","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 7.5 lakh or more","source_product_page":"https://creditcard.pnb.bank.in/types9.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":352,"depth":"full","slug":"punjab-national-visa-signature-credit-card","url":"https://m16s.in/cards/punjab-national-visa-signature-credit-card/"},{"issuer":"Punjab National Bank","card_name":"RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Annual fee waived if the card is used at least once in each quarter of the preceding year (usage condition, not a spend amount). Add-on cards free.","welcome_benefit":"300 bonus points on first retail/online transaction within 90 days of receiving the card","reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Personal accident insurance Rs 2 lakh; UPI enabled; listing page also mentions cashback on utility bills/restaurants (RuPay network offer, terms not published) and concierge","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 2.5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types5.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":353,"depth":"full","slug":"punjab-national-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":500,"annual_fee":750,"fee_waiver_spend":null,"fee_notes":"Annual fee waived if the card is used at least once in each quarter of the preceding year (usage condition, not a spend amount). Add-on cards free.","welcome_benefit":"300 bonus points on first retail/online transaction within 90 days of receiving the card","reward_currency":"PNB Rewardz points","base_earn":"2 points per Rs 150","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 2 points x Rs 0.25 / Rs 150 = 0.33%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 350 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Personal accident insurance Rs 10 lakh; premium health check-up package, complimentary golf and spa sessions, gym membership (RuPay Select programme, terms not published by bank); UPI enabled","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 5 lakh or more","source_product_page":"https://creditcard.pnb.bank.in/types6.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":354,"depth":"full","slug":"punjab-national-rupay-select-credit-card","url":"https://m16s.in/cards/punjab-national-rupay-select-credit-card/"},{"issuer":"Punjab National Bank","card_name":"RuPay Millennial Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":399,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Annual fee waived on spends of Rs 1 lakh in the previous year. Schedule of charges says the Rs 399 joining fee is waived as a first-year promotional offer. Add-on joining fee Rs 399; add-on annual fee nil.","welcome_benefit":"300 bonus points on first retail/online transaction within 90 days of receiving the card","reward_currency":"PNB Rewardz points","base_earn":"2 points per Rs 150","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 2 points x Rs 0.25 / Rs 150 = 0.33%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 350 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Personal accident insurance Rs 10 lakh; premium health check-up package, complimentary golf and spa sessions, gym membership (terms not published by bank); UPI enabled","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 5 lakh or more; aimed at young, mid-segment customers","source_product_page":"https://creditcard.pnb.bank.in/types10.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":355,"depth":"full","slug":"punjab-national-rupay-millennial-credit-card","url":"https://m16s.in/cards/punjab-national-rupay-millennial-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Rakshak RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Annual fee waived if the card is used at least once in each quarter of the preceding year (usage condition, not a spend amount).","welcome_benefit":"300+ reward points on first usage","reward_currency":"PNB Rewardz points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. The Rakshak page does not state an earn rate; the standard RuPay Platinum rate is 1 point per Rs 100. base_return_pct left null.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Rakshak Platinum page does not mention lounge access","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"'Comprehensive insurance coverage' (amount not stated); concierge; cashback on utility bills and restaurants (RuPay offer, terms not published)","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Not stated on the issuer page. Rakshak is PNB's scheme for defence, paramilitary and police personnel.","source_product_page":"https://creditcard.pnb.bank.in/types7.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["eligibility","base_earn"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":356,"depth":"fees-only","slug":"punjab-national-rakshak-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-rakshak-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Rakshak RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":750,"fee_waiver_spend":null,"fee_notes":"No joining fee. Card page says no annual fee if the card is used once in each quarter; the MITC lists Rs 750 annual fee without stating a waiver condition.","welcome_benefit":"300+ reward points on first usage","reward_currency":"PNB Rewardz points","base_earn":null,"base_return_pct":null,"accelerated_earn":"'2X reward points on retail merchandise' (page wording; base not defined)","reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. The Rakshak page does not state an earn rate; the standard RuPay Select rate is 2 points per Rs 150. base_return_pct left null.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary domestic lounge programme (count not stated on page)","lounge_international":"Complimentary international lounge programme (count not stated on page)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 350 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"'Comprehensive insurance coverage' (amount not stated); concierge; cashback on utility bills and restaurants (RuPay offer, terms not published)","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Not stated on the issuer page. Rakshak is PNB's scheme for defence, paramilitary and police personnel.","source_product_page":"https://creditcard.pnb.bank.in/types8.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["eligibility","base_earn","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":357,"depth":"fees-only","slug":"punjab-national-rakshak-rupay-select-credit-card","url":"https://m16s.in/cards/punjab-national-rakshak-rupay-select-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Patanjali RuPay Platinum Credit Card","cobrand_partner":"Patanjali Ayurved","networks":["RuPay"],"segment":"entry","card_type":["rewards","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Annual fee waived if the card is used at least once in each quarter of the preceding year (usage condition, not a spend amount). Add-on cards free.","welcome_benefit":"300+ reward points on first usage","reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"2% cashback at authorised Patanjali stores/website on transactions above Rs 2,500, capped at Rs 50 per transaction; listing page also mentions 5-7% extra cashback from Patanjali on recharges","reward_caps":"Patanjali cashback capped at Rs 50 per transaction","reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Personal accident insurance Rs 2 lakh; UPI enabled","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 2.5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types12.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html","https://creditcard.pnb.bank.in/Documents/Co-Branded.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Co-brand with Patanjali Ayurved on a revenue-sharing basis (bank's co-brand disclosure). Still listed on the bank's card site on the date read; no discontinuation notice found, but current availability was not confirmed elsewhere.","id":358,"depth":"full","slug":"punjab-national-patanjali-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-patanjali-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Patanjali RuPay Select Credit Card","cobrand_partner":"Patanjali Ayurved","networks":["RuPay"],"segment":"mid","card_type":["rewards","cobrand","upi"],"status":"open","joining_fee":500,"annual_fee":750,"fee_waiver_spend":null,"fee_notes":"Annual fee waived if the card is used at least once in each quarter of the preceding year (usage condition, not a spend amount). Add-on cards free on the card page (MITC shows Rs 500 per add-on).","welcome_benefit":"300+ reward points on first usage","reward_currency":"PNB Rewardz points","base_earn":"2 points per Rs 150","base_return_pct":0.33,"accelerated_earn":"2% cashback at authorised Patanjali stores/website on transactions above Rs 2,500, capped at Rs 50 per transaction; listing page also mentions 5-7% extra cashback from Patanjali on recharges","reward_caps":"Patanjali cashback capped at Rs 50 per transaction","reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 2 points x Rs 0.25 / Rs 150 = 0.33%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 350 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Personal accident insurance Rs 10 lakh; premium health check-up package, complimentary golf and spa sessions, gym membership (terms not published by bank); UPI enabled","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 5 lakh","source_product_page":"https://creditcard.pnb.bank.in/types11.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html","https://creditcard.pnb.bank.in/Documents/Co-Branded.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Co-brand with Patanjali Ayurved on a revenue-sharing basis (bank's co-brand disclosure). Still listed on the bank's card site on the date read; no discontinuation notice found, but current availability was not confirmed elsewhere.","id":359,"depth":"full","slug":"punjab-national-patanjali-rupay-select-credit-card","url":"https://m16s.in/cards/punjab-national-patanjali-rupay-select-credit-card/"},{"issuer":"Punjab National Bank","card_name":"EMT (EaseMyTrip) RuPay Platinum Credit Card","cobrand_partner":"EaseMyTrip","networks":["RuPay"],"segment":"mid","card_type":["travel","cobrand","rewards","upi"],"status":"open","joining_fee":2000,"annual_fee":2000,"fee_waiver_spend":100000,"fee_notes":"Annual fee waived if spends exceed Rs 1 lakh in the preceding year. Add-on cards free.","welcome_benefit":"Welcome vouchers worth Rs 3,000","reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"EaseMyTrip discounts: flat 10% off domestic flights (up to Rs 1,000) and international flights (up to Rs 5,000); flat 20% off domestic hotels (up to Rs 5,000) and international hotels (up to Rs 10,000); Rs 125 off bus bookings of Rs 500+","reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; no spend condition published by the bank. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Accidental death / permanent total disability cover up to Rs 2 lakh; UPI enabled","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 2.5 lakh","source_product_page":"https://creditcard.pnb.bank.in/EMT.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). How often each EaseMyTrip discount can be used is not stated on the card page.","id":360,"depth":"full","slug":"punjab-national-emt-easemytrip-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-emt-easemytrip-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Bliss RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","shopping","upi"],"status":"open","joining_fee":0,"annual_fee":510,"fee_waiver_spend":100000,"fee_notes":"Card page and MITC show joining fee Nil; the schedule of charges shows Rs 510 waived as a first-year promotional offer. Annual fee Rs 510 waived on spends of Rs 1 lakh or more in the preceding year. Add-on cards not allowed.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year (1 per quarter)","lounge_international":"1 per year","lounge_conditions":"No spend condition published. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Nykaa voucher Rs 500 per quarter; Uber/Ola voucher Rs 100 per quarter; BookMyShow Rs 250 off on 2+ tickets per quarter; one spa service per year (Tattva/Four Fountains/HR Wellness/Lakme); Swiggy One 3 months per year; Gaana Plus 12 months; one OTT membership per year (Prime/Hotstar/Zee5/SonyLiv); annual health check-up; Netmeds 20% off once a year (min order Rs 999); concierge; personal accident cover Rs 2 lakh","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Annual income Rs 3.6 lakh and above. Positioned as a women's card (health check-up includes Pap smear).","source_product_page":"https://creditcard.pnb.bank.in/types13.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500).","id":361,"depth":"full","slug":"punjab-national-bliss-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-bliss-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Salary RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee while the salary account is active and salary is credited regularly.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year (1 per quarter)","lounge_international":"1 per year","lounge_conditions":"No spend condition published. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 250 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Myntra voucher Rs 250 per quarter; Ola/Uber voucher Rs 100 per quarter; Netmeds 20% off per quarter (min order Rs 999); spa service once a year; annual health check-up; Zee5 or SonyLiv membership once a year; personal accident / permanent disability cover up to Rs 2 lakh","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"PNB salary account holders under the EXCEL scheme","source_product_page":"https://creditcard.pnb.bank.in/types14.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Lifetime free only while the PNB salary account stays active with regular salary credits. Add-on cards not allowed.","id":362,"depth":"full","slug":"punjab-national-salary-rupay-platinum-credit-card","url":"https://m16s.in/cards/punjab-national-salary-rupay-platinum-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Salary RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee while the salary account is active and salary is credited regularly.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"2 points per Rs 150","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 2 points x Rs 0.25 / Rs 150 = 0.33%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"2 per year","lounge_conditions":"No spend condition published. Railway lounge not available.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% (min Rs 12.50) refunded on fuel transactions of Rs 500-4,000, cap Rs 350 per statement cycle; taxes not refunded","milestone_benefits":null,"other_freebies":"Myntra Rs 250, Ola/Uber Rs 100 and Bigbasket/Blinkit Rs 250 vouchers each quarter; Netmeds 20% off per quarter (min order Rs 999); spa service once a year; annual health check-up; one OTT membership per year (Zee5/SonyLiv/Prime/Hotstar); Gaana Plus 12 months; Swiggy One 3 months; personal accident / permanent disability cover up to Rs 2 lakh","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"PNB salary account holders under the OPTIMA and IMPERIAL schemes","source_product_page":"https://creditcard.pnb.bank.in/types15.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Lifetime free only while the PNB salary account stays active with regular salary credits. Add-on cards not allowed.","id":363,"depth":"full","slug":"punjab-national-salary-rupay-select-credit-card","url":"https://m16s.in/cards/punjab-national-salary-rupay-select-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Luxura Metal Credit Card (RuPay Ekaa)","cobrand_partner":null,"networks":["RuPay"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":9000,"annual_fee":7500,"fee_waiver_spend":800000,"fee_notes":"Joining fee Rs 9,000 charged only if spends are below Rs 2.5 lakh within three billing cycles of activation, or if the card is closed within 90 days. Annual fee Rs 7,500 waived if annual spends exceed Rs 8 lakh (card page and schedule of charges; the MITC's 'PNB Metal' row says Rs 6 lakh). Add-on: metal Rs 9,000 joining / Rs 7,500 annual; non-metal Rs 6,000 / Rs 4,500.","welcome_benefit":"20,000 reward points on Rs 50,000 spend within 90 days of activation","reward_currency":"PNB Rewardz points","base_earn":"4 points per Rs 100","base_return_pct":1.0,"accelerated_earn":"3X points on travel and dining","reward_caps":null,"reward_exclusions":null,"point_value":"4 points = Rs 1 (Rs 0.25 per point), per card page","points_expiry":"3 years from accrual (rewards page)","reward_notes":"base_return_pct = 4 points x Rs 0.25 / Rs 100 = 1.0%; 3X on travel and dining implies 3%. Caps on the 3X categories and excluded categories are not published. Minimum redemption 1,000 points. Welcome and milestone points are worth Rs 5,000 and Rs 2,500/3,500/6,500 at Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited for the cardholder","lounge_international":"Unlimited for the cardholder","lounge_conditions":"No spend condition published. Visa-application service (OneVasco) lounge for 2 visitors once a year.","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% (min Rs 12.50) on single fuel transactions above Rs 500 and below Rs 4,000, cap Rs 350 per billing cycle","milestone_benefits":"10,000 points at Rs 5 lakh annual spend; 14,000 points at Rs 10 lakh; 26,000 points at Rs 15 lakh","other_freebies":"4 golf lessons/rounds per year (1 per quarter); ITC Hotels 2+1 nights, 1+1 set menu dining and 1+1 spa; HoteLux Elite Plus membership; BookMyShow BOGO up to Rs 500 once a month; 24x7 concierge; personal accident cover Rs 50 lakh, air accident Rs 1 crore, purchase protection Rs 2 lakh, baggage loss Rs 20,000","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Age 21-70. Salaried: gross monthly salary Rs 1.5 lakh or more. Non-salaried: annual income Rs 18 lakh or more. Also issued against a fixed deposit of at least Rs 1.5 lakh. Credit limit Rs 1 lakh to Rs 50 lakh.","source_product_page":"https://creditcard.pnb.bank.in/types16.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["fee_waiver_spend"],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Zero forex markup per card page and schedule of charges. Metal card replacement costs Rs 4,000 + GST. Waiver threshold differs between documents (Rs 8 lakh vs Rs 6 lakh).","id":364,"depth":"full","slug":"punjab-national-luxura-metal-credit-card-rupay-ekaa","url":"https://m16s.in/cards/punjab-national-luxura-metal-credit-card-rupay-ekaa/"},{"issuer":"Punjab National Bank","card_name":"Luxura Metal Credit Card (Visa Infinite)","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":4999,"annual_fee":1999,"fee_waiver_spend":600000,"fee_notes":"Joining fee Rs 4,999 charged only if spends are below Rs 1.5 lakh within three billing cycles of activation, or if the card is closed within 90 days. Annual fee Rs 1,999 waived if annual spends exceed Rs 6 lakh. Add-on: metal Rs 4,999 joining / Rs 1,999 annual; non-metal Rs 1,999 / Rs 1,999.","welcome_benefit":"20,000 reward points on Rs 50,000 spend within 90 days of activation","reward_currency":"PNB Rewardz points","base_earn":"4 points per Rs 100","base_return_pct":1.0,"accelerated_earn":"3X points on travel and dining","reward_caps":null,"reward_exclusions":null,"point_value":"4 points = Rs 1 (Rs 0.25 per point), per card page","points_expiry":"3 years from accrual (rewards page)","reward_notes":"base_return_pct = 4 points x Rs 0.25 / Rs 100 = 1.0%; 3X on travel and dining implies 3%. Caps on the 3X categories and excluded categories are not published. Minimum redemption 1,000 points. Welcome and milestone points are worth Rs 5,000 and Rs 2,500/3,500/6,500 at Rs 0.25.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited","lounge_international":"Unlimited","lounge_conditions":"No spend condition or guest rule published","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% (min Rs 12.50) on single fuel transactions above Rs 500 and below Rs 4,000, cap Rs 350 per billing cycle","milestone_benefits":"10,000 points at Rs 5 lakh annual spend; 14,000 points at Rs 10 lakh; 26,000 points at Rs 15 lakh","other_freebies":"Ixigo 12% off domestic flights/hotels (up to Rs 1,200, once a month) and 10% off international (up to Rs 2,500); BookMyShow BOGO up to Rs 200 once a month; one complimentary international airport meet-and-greet; ITC Hotels and Elivaas villa stay offers; Visa Infinite concierge, luxury hotel collection, Dine and Save. Insurance and golf not listed on the page.","interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Age 21-70. Salaried: gross monthly salary Rs 1.5 lakh or more. Non-salaried: annual income Rs 18 lakh or more. Also issued against a fixed deposit of at least Rs 1.5 lakh. Credit limit Rs 1 lakh to Rs 50 lakh.","source_product_page":"https://creditcard.pnb.bank.in/types17.html","source_mitc_or_tnc":"https://creditcard.pnb.bank.in/PDF/MITC.pdf","source_other":["https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Forex refunds also attract the 3.5% fee. Over-limit fee 2.5% (min Rs 500; Rs 250 on Visa Classic/Gold). Railway surcharge 2.5% at counter, up to 1.8% on IRCTC. EMI: Instant EMI 12% p.a. (3-12 months), 14% p.a. (18/24 months), processing 2% min Rs 100. MITC and schedule of charges carry no date. A card unused for a year may be closed after intimation. FD-backed versions carry 1.5% per month interest and a different late fee (30% of minimum due, Rs 200-500). Zero forex markup per card page and schedule of charges. Metal card replacement costs Rs 4,000 + GST. Visa Infinite partner offers change over time.","id":365,"depth":"full","slug":"punjab-national-luxura-metal-credit-card-visa-infinite","url":"https://m16s.in/cards/punjab-national-luxura-metal-credit-card-visa-infinite/"},{"issuer":"Punjab National Bank","card_name":"PNB RRB Co-branded Credit Card","cobrand_partner":"PNB-sponsored Regional Rural Banks","networks":["RuPay"],"segment":"entry","card_type":["cobrand"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":200000,"fee_notes":"Joining fee Rs 499 reimbursed on minimum spend of Rs 2,000 within 30 days of activation (nil for RRB staff). Annual fee Rs 499 waived on spends of Rs 2 lakh in the previous year (for RRB staff: waived if used once each quarter). Add-on cards free.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 150 (PNB ATMs) / Rs 200 (other domestic ATMs) / Rs 300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":"Customers and staff of PNB-sponsored Regional Rural Banks","source_product_page":null,"source_mitc_or_tnc":"https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","source_other":["https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["networks","eligibility","cobrand_partner","reward_currency","base_earn","lounge_domestic","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Documented only from the schedule of fees and charges; no product page found on the card site. Rewards, lounge, fuel waiver and network are not published there. Network assumed RuPay because the row sits among RuPay cards in the schedule.","id":366,"depth":"fees-only","slug":"punjab-national-pnb-rrb-co-branded-credit-card","url":"https://m16s.in/cards/punjab-national-pnb-rrb-co-branded-credit-card/"},{"issuer":"Punjab National Bank","card_name":"Corporate Credit Card (Visa Classic/Gold/Platinum)","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business"],"status":"open","joining_fee":2000,"annual_fee":2000,"fee_waiver_spend":null,"fee_notes":"Corporate liability: joining Rs 2,000 and annual Rs 2,000. Individual liability: joining Rs 1,000 and annual Rs 1,000. No waiver stated.","welcome_benefit":null,"reward_currency":"PNB Rewardz points","base_earn":"1 point per Rs 100 (corporate card with individual liability, per rewards page)","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (card page and MITC). The bank's rewards page separately states 1 point = Rs 0.50; the lower, MITC figure is used here.","points_expiry":"3 years from accrual (rewards page)","reward_notes":"Minimum redemption 1,000 points; redeem via PNB Rewardz catalogue, cashback to card account or paper form. No redemption fee is published. The MITC says reward value may be changed at the bank's discretion. Excluded spend categories are not published. base_return_pct = 1 point x Rs 0.25 / Rs 100 = 0.25%. Rewards page lists an earn rate only for the individual-liability corporate card.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.95,"late_payment_fee":"Total due up to Rs 1,000: Nil; Rs 1,001-5,000: Rs 500; Rs 5,001-10,000: Rs 600; above Rs 10,000: Rs 750","cash_advance_fee":"2% or Rs 100 (PNB ATMs) / Rs 150 (other domestic ATMs) / Rs 250-300 (overseas), whichever is higher; cash limit 20% of credit limit","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://creditcard.pnb.bank.in/Documents/pnb_sofc.pdf","source_other":["https://creditcard.pnb.bank.in/rewards.html","https://creditcard.pnb.bank.in/types.html"],"source_quality":"primary","unverified_fields":["eligibility","fuel_surcharge_waiver","late_payment_fee","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Documented from the schedule of fees and charges and the rewards page; no product page found. Eligibility, lounge and fuel terms not published. The retail MITC covers consumer cards; corporate terms may differ.","id":367,"depth":"partial","slug":"punjab-national-corporate-credit-card-visa-classic-gold-platinum","url":"https://m16s.in/cards/punjab-national-corporate-credit-card-visa-classic-gold-platinum/"},{"issuer":"Bandhan Bank","card_name":"Sparks","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Joining fee nil; annual Rs 499 + GST waived on Rs 50,000 spend in an anniversary year (CardInsider).","welcome_benefit":"500 reward points on Rs 5,000 spend within 30 days of issuance (CardInsider).","reward_currency":"Reward Points","base_earn":"2 RP per Rs 200","base_return_pct":0.25,"accelerated_earn":"Business Today reports accelerated rewards on grocery and apparel; rate not found.","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25 (CardInsider); redeemed on Bandhan Bank Delights platform","points_expiry":null,"reward_notes":"base_return_pct = 2 RP / Rs 200 x Rs 0.25. Point value is an aggregator figure; Paisabazaar says the redemption rate is unclear for this card family.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter at select airports","lounge_international":"None","lounge_conditions":"No spend condition stated by aggregators.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver, cap Rs 150 per statement cycle","milestone_benefits":null,"other_freebies":"BookMyShow 20% off up to Rs 100 once a month; 10% cashback up to Rs 500 on first EMI (min 12-month tenure).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Aggregator (Paisabazaar, Ignite page): nil below Rs 100; Rs 100 for Rs 100-500; Rs 500 for Rs 501-5,000; Rs 750 for Rs 5,001-10,000; Rs 1,100 above Rs 10,000","cash_advance_fee":"3.5% or Rs 500, whichever is higher","eligibility":"Aggregator: existing Bandhan Bank customer (savings/current/FD/loan), age 21-65, resident, annual income Rs 2.5 lakh+.","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/bandhan-bank/sparks-credit-card/","https://www.businesstoday.in/personal-finance/story/bandhan-bank-launches-4-credit-cards-check-rewards-lounge-access-and-benefits-across-variants-554063-2026-09-09","https://cardinsider.com/bandhan-bank/"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","lounge_domestic","lounge_international","lounge_conditions","forex_markup_pct","fuel_surcharge_waiver","milestone_benefits","other_freebies","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","eligibility"],"date_read":"2026-10-11","notes":"Bandhan Bank's own credit card site (creditcards.bandhan.bank.in) blocks automated reading and no Bandhan MITC could be read; every figure here is from aggregators (Paisabazaar, CardInsider) and Business Today's launch report (Sept 2026, Mastercard portfolio of four cards: Sparks, Ignite, Flare, Lumina). The earlier 'Bandhan Bank Standard Chartered' co-brand cards were issued by Standard Chartered, not Bandhan, and are excluded. Late fee slab is taken from the Ignite page and assumed common.","id":368,"depth":"full","slug":"bandhan-sparks","url":"https://m16s.in/cards/bandhan-sparks/"},{"issuer":"Bandhan Bank","card_name":"Ignite","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Joining fee nil (Paisabazaar; CardInsider shows N/A); annual Rs 999 + GST waived on Rs 1 lakh annual spend.","welcome_benefit":"Paisabazaar: bonus reward points worth Rs 500 on activation. CardInsider lists no welcome benefit.","reward_currency":"Reward Points","base_earn":"4 RP per Rs 200","base_return_pct":0.5,"accelerated_earn":"8 RP per Rs 200 on grocery and travel bookings","reward_caps":"Accelerated points capped at 800 per month, then base rate (Paisabazaar).","reward_exclusions":"Fuel, rent, government spends (Paisabazaar).","point_value":"1 RP = Rs 0.25 on Bandhan Bank Delights platform","points_expiry":"No expiry (Paisabazaar)","reward_notes":"base_return_pct = 4 RP / Rs 200 x Rs 0.25. Redemption fee: Paisabazaar says nil, CardInsider says Rs 99 + GST; unresolved.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter","lounge_international":"1 per calendar quarter","lounge_conditions":"Select airports; no spend condition stated.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 500-4,000 fuel spends, cap Rs 250 per statement cycle","milestone_benefits":"1,200 bonus RP on Rs 30,000 monthly spend (up to 14,400 a year).","other_freebies":"EazyDiner 15% off up to Rs 500 once a month; 10% cashback up to Rs 500 on first EMI; lost card liability cover up to Rs 1 lakh.","interest_rate_monthly_pct":3.5,"late_payment_fee":"Aggregator (Paisabazaar, Ignite page): nil below Rs 100; Rs 100 for Rs 100-500; Rs 500 for Rs 501-5,000; Rs 750 for Rs 5,001-10,000; Rs 1,100 above Rs 10,000","cash_advance_fee":"3.5% (CardInsider)","eligibility":"Aggregator: existing Bandhan Bank customer, age 21-65, resident, annual income above Rs 6 lakh.","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://www.paisabazaar.com/bandhan-bank/ignite-credit-card/","https://cardinsider.com/bandhan-bank/ignite-credit-card/","https://www.businesstoday.in/personal-finance/story/bandhan-bank-launches-4-credit-cards-check-rewards-lounge-access-and-benefits-across-variants-554063-2026-09-09","https://cardinsider.com/bandhan-bank/"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","lounge_domestic","lounge_international","lounge_conditions","forex_markup_pct","fuel_surcharge_waiver","milestone_benefits","other_freebies","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","eligibility"],"date_read":"2026-10-11","notes":"Bandhan Bank's own credit card site (creditcards.bandhan.bank.in) blocks automated reading and no Bandhan MITC could be read; every figure here is from aggregators (Paisabazaar, CardInsider) and Business Today's launch report (Sept 2026, Mastercard portfolio of four cards: Sparks, Ignite, Flare, Lumina). The earlier 'Bandhan Bank Standard Chartered' co-brand cards were issued by Standard Chartered, not Bandhan, and are excluded. ","id":369,"depth":"full","slug":"bandhan-ignite","url":"https://m16s.in/cards/bandhan-ignite/"},{"issuer":"Bandhan Bank","card_name":"Flare","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":600000,"fee_notes":"Rs 2,499 + GST joining and annual; annual waived on Rs 6 lakh spend in the preceding year.","welcome_benefit":"Aggregators disagree: Paisabazaar says Rs 2,000 Amazon Pay e-voucher on Rs 10,000 spend in 30 days; CardInsider says 5,000 bonus RP on the same spend. Business Today mentions an Amazon Pay voucher.","reward_currency":"Reward Points","base_earn":"10 RP per Rs 200","base_return_pct":1.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).","point_value":"1 RP = Rs 0.25 (CardInsider); Paisabazaar says the redemption rate is not clear","points_expiry":"No expiry (Paisabazaar)","reward_notes":"base_return_pct = 10 RP / Rs 200 x Rs 0.25, using CardInsider's point value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar quarter (16 a year)","lounge_international":"1 per calendar quarter","lounge_conditions":"Select airports; no spend condition stated.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% waiver, cap Rs 500 per statement cycle","milestone_benefits":"5,000 bonus RP when monthly spend reaches Rs 75,000.","other_freebies":"EazyDiner 15% off up to Rs 750 monthly; BookMyShow 25% off up to Rs 500 monthly; 4 golf lessons a year (1 per quarter); 10% cashback up to Rs 750 on first EMI; lost card cover up to Rs 2 lakh.","interest_rate_monthly_pct":3.5,"late_payment_fee":"Aggregator (Paisabazaar, Ignite page): nil below Rs 100; Rs 100 for Rs 100-500; Rs 500 for Rs 501-5,000; Rs 750 for Rs 5,001-10,000; Rs 1,100 above Rs 10,000","cash_advance_fee":"3.5% or Rs 500, whichever is higher","eligibility":"Aggregator: resident, age 21-65, salaried, income Rs 12 lakh a year.","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://www.paisabazaar.com/bandhan-bank/flare-credit-card/","https://cardinsider.com/bandhan-bank/flare-credit-card/","https://www.businesstoday.in/personal-finance/story/bandhan-bank-launches-4-credit-cards-check-rewards-lounge-access-and-benefits-across-variants-554063-2026-09-09","https://cardinsider.com/bandhan-bank/"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","lounge_domestic","lounge_international","lounge_conditions","forex_markup_pct","fuel_surcharge_waiver","milestone_benefits","other_freebies","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","eligibility"],"date_read":"2026-10-11","notes":"Bandhan Bank's own credit card site (creditcards.bandhan.bank.in) blocks automated reading and no Bandhan MITC could be read; every figure here is from aggregators (Paisabazaar, CardInsider) and Business Today's launch report (Sept 2026, Mastercard portfolio of four cards: Sparks, Ignite, Flare, Lumina). The earlier 'Bandhan Bank Standard Chartered' co-brand cards were issued by Standard Chartered, not Bandhan, and are excluded. Paisabazaar reports a lower finance charge for existing Bandhan CASA customers (shown as 2% a month / 18% a year, which is internally inconsistent) against 3.5% a month for new-to-bank.","id":370,"depth":"full","slug":"bandhan-flare","url":"https://m16s.in/cards/bandhan-flare/"},{"issuer":"Bandhan Bank","card_name":"Lumina","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":9999,"annual_fee":9999,"fee_waiver_spend":1200000,"fee_notes":"Rs 9,999 + GST joining and annual; annual waived on Rs 12 lakh spend in an anniversary year (CardInsider).","welcome_benefit":"Rs 10,000 'Giftwrapped by Oberoi' e-voucher on Rs 20,000 spend within 30 days and payment of joining fee.","reward_currency":"Reward Points","base_earn":"16 RP per Rs 200 (domestic)","base_return_pct":2.0,"accelerated_earn":"24 RP per Rs 200 on international spends","reward_caps":"Monthly milestone bonus capped at 10,000 RP; no other cap stated.","reward_exclusions":"Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).","point_value":"1 RP = Rs 0.25 (CardInsider); Paisabazaar says redemption value is unclear","points_expiry":"No expiry","reward_notes":"base_return_pct = 16 RP / Rs 200 x Rs 0.25. International = 3% before 1% markup.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per calendar quarter at select airports","lounge_international":"Unlimited at select lounges","lounge_conditions":"No minimum spend stated by aggregators.","forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver, cap Rs 1,000 per statement cycle","milestone_benefits":"10,000 bonus RP on Rs 1 lakh monthly spend.","other_freebies":"4 golf lessons and 4 games; 4 airport meet-and-greet; concierge; EazyDiner 25% off up to Rs 1,000 monthly; BookMyShow 25% off up to Rs 1,000 monthly; lost card cover up to Rs 5 lakh; Rs 1 crore air accident cover (Paisabazaar).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Paisabazaar lists nil for this card; not confirmed","cash_advance_fee":"3.5% or Rs 500, whichever is higher (Paisabazaar); CardInsider lists nil","eligibility":"Aggregator: resident, age 21-65, salaried, income Rs 18 lakh a year.","source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://www.paisabazaar.com/bandhan-bank/lumina-credit-card/","https://cardinsider.com/bandhan-bank/lumina-credit-card/","https://www.businesstoday.in/personal-finance/story/bandhan-bank-launches-4-credit-cards-check-rewards-lounge-access-and-benefits-across-variants-554063-2026-09-09","https://cardinsider.com/bandhan-bank/"],"source_quality":"aggregator","unverified_fields":["networks","joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","base_earn","base_return_pct","accelerated_earn","reward_caps","reward_exclusions","point_value","points_expiry","lounge_domestic","lounge_international","lounge_conditions","forex_markup_pct","fuel_surcharge_waiver","milestone_benefits","other_freebies","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","eligibility"],"date_read":"2026-10-11","notes":"Bandhan Bank's own credit card site (creditcards.bandhan.bank.in) blocks automated reading and no Bandhan MITC could be read; every figure here is from aggregators (Paisabazaar, CardInsider) and Business Today's launch report (Sept 2026, Mastercard portfolio of four cards: Sparks, Ignite, Flare, Lumina). The earlier 'Bandhan Bank Standard Chartered' co-brand cards were issued by Standard Chartered, not Bandhan, and are excluded. Paisabazaar reports 1.5% a month finance charge for existing Bandhan customers against 3.5% for new-to-bank.","id":371,"depth":"full","slug":"bandhan-lumina","url":"https://m16s.in/cards/bandhan-lumina/"},{"issuer":"City Union Bank","card_name":"CUB CSK RuPay Platinum","cobrand_partner":"Chennai Super Kings","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free per MITC V5 / KFS V5. Add-on card Rs 500 + GST one-time.","welcome_benefit":"Exclusive CSK co-branded goodies as welcome gift (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150; 2 RP per Rs 150 on UPI transactions","base_return_pct":0.33,"accelerated_earn":"2X on apparel, department stores, food delivery; 3X on CSK merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 0.50","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 150 x Rs 0.50 (non-UPI); UPI spends earn 0.67%. Redemption on rewards.cub.bank.in for vouchers and merchandise; minimum redemption may apply; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details in insurance document, not read). Discounts on official CSK merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/co-branded-creditcard","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":372,"depth":"full","slug":"city-union-cub-csk-rupay-platinum","url":"https://m16s.in/cards/city-union-cub-csk-rupay-platinum/"},{"issuer":"City Union Bank","card_name":"CUB CSK Master Platinum","cobrand_partner":"Chennai Super Kings","networks":["Mastercard","RuPay"],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":300000,"fee_notes":"First year free; Rs 1,000 + GST from year 2, waived on Rs 3 lakh spend. Add-on Rs 500. Optional physical RuPay card Rs 250.","welcome_benefit":"Official CSK fan jersey (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 125 (physical Mastercard); linked virtual RuPay card earns at RuPay Platinum rates","base_return_pct":0.6,"accelerated_earn":"2X on apparel, dining, department stores, food delivery; 3X on CSK merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 0.75","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 125 x Rs 0.75. Redemption on rewards.cub.bank.in; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details not read). Discounts on official CSK merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/co-branded-creditcard","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":373,"depth":"full","slug":"city-union-cub-csk-master-platinum","url":"https://m16s.in/cards/city-union-cub-csk-master-platinum/"},{"issuer":"City Union Bank","card_name":"CUB CSK Master World","cobrand_partner":"Chennai Super Kings","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","rewards","travel"],"status":"open","joining_fee":0,"annual_fee":4000,"fee_waiver_spend":500000,"fee_notes":"First year free; Rs 4,000 + GST from year 2, waived on Rs 5 lakh spend. Add-on Rs 500. Optional physical RuPay card Rs 250.","welcome_benefit":"Original Dhoni No.7 jersey (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 (domestic and international); linked virtual RuPay card earns at RuPay Platinum rates","base_return_pct":1.0,"accelerated_earn":"2X on travel, flight and hotel bookings; 3X on CSK merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 1","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 100 x Rs 1. Redemption on rewards.cub.bank.in; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details not read). Discounts on official CSK merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/co-branded-creditcard","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). Forex markup is 0% on the Master World variants per MITC V5 and KFS V5. CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":374,"depth":"full","slug":"city-union-cub-csk-master-world","url":"https://m16s.in/cards/city-union-cub-csk-master-world/"},{"issuer":"City Union Bank","card_name":"CUB SRH RuPay Platinum","cobrand_partner":"Sunrisers Hyderabad","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free per MITC V5 / KFS V5. Add-on card Rs 500 + GST one-time.","welcome_benefit":"Exclusive SRH co-branded goodies as welcome gift (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150; 2 RP per Rs 150 on UPI transactions","base_return_pct":0.33,"accelerated_earn":"2X on apparel, department stores, food delivery; 3X on SRH merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 0.50","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 150 x Rs 0.50 (non-UPI); UPI spends earn 0.67%. Redemption on rewards.cub.bank.in for vouchers and merchandise; minimum redemption may apply; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details in insurance document, not read). Discounts on official SRH merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/srh-bankingpartner","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":375,"depth":"full","slug":"city-union-cub-srh-rupay-platinum","url":"https://m16s.in/cards/city-union-cub-srh-rupay-platinum/"},{"issuer":"City Union Bank","card_name":"CUB SRH Master Platinum","cobrand_partner":"Sunrisers Hyderabad","networks":["Mastercard","RuPay"],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":300000,"fee_notes":"First year free; Rs 1,000 + GST from year 2, waived on Rs 3 lakh spend. Add-on Rs 500. Optional physical RuPay card Rs 250.","welcome_benefit":"Official SRH fan jersey (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 125 (physical Mastercard); linked virtual RuPay card earns at RuPay Platinum rates","base_return_pct":0.6,"accelerated_earn":"2X on apparel, dining, department stores, food delivery; 3X on SRH merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 0.75","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 125 x Rs 0.75. Redemption on rewards.cub.bank.in; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details not read). Discounts on official SRH merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/srh-bankingpartner","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":376,"depth":"full","slug":"city-union-cub-srh-master-platinum","url":"https://m16s.in/cards/city-union-cub-srh-master-platinum/"},{"issuer":"City Union Bank","card_name":"CUB SRH Master World","cobrand_partner":"Sunrisers Hyderabad","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","rewards","travel"],"status":"open","joining_fee":0,"annual_fee":4000,"fee_waiver_spend":500000,"fee_notes":"First year free; Rs 4,000 + GST from year 2, waived on Rs 5 lakh spend. Add-on Rs 500. Optional physical RuPay card Rs 250.","welcome_benefit":"Original SRH jersey (CardInsider launch article)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 (domestic and international); linked virtual RuPay card earns at RuPay Platinum rates","base_return_pct":1.0,"accelerated_earn":"2X on travel, flight and hotel bookings; 3X on SRH merchandise and match tickets","reward_caps":null,"reward_exclusions":"No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.","point_value":"1 RP = Rs 1","points_expiry":null,"reward_notes":"base_return_pct = 1 RP / Rs 100 x Rs 1. Redemption on rewards.cub.bank.in; no redemption fee listed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Airport lounge access is advertised (CardInsider); counts not found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-5,000 fuel txns, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary air / personal accident cover via Royal Sundaram on select cards (details not read). Discounts on official SRH merchandise (CardInsider).","interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher","eligibility":"Aggregator: age 18-65, Indian resident, salaried or self-employed.","source_product_page":"https://cityunionbank.bank.in/srh-bankingpartner","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Apr26/CSK_SRHRewards_Features.pdf","https://cityunionbank.bank.in/filemanager/Apr26/KFS_V5.pdf","https://cityunionbank.bank.in/csk-srh-mitc-kfs","https://cityunionbank.bank.in/credit-card-charges","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/","https://cardinsider.com/blog/city-union-bank-launches-new-ipl-co-branded-credit-cards/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","points_expiry","reward_caps","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). Forex markup is 0% on the Master World variants per MITC V5 and KFS V5. CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees.","id":377,"depth":"full","slug":"city-union-cub-srh-master-world","url":"https://m16s.in/cards/city-union-cub-srh-master-world/"},{"issuer":"City Union Bank","card_name":"CUB SalarySe Level Up (Lifetime Free, virtual)","cobrand_partner":"SalarySe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Virtual-only card. Card replacement Rs 0; limit enhancement Rs 200 per occasion.","welcome_benefit":null,"reward_currency":"SalarySe SCoins","base_earn":"5 SCoins per Rs 100 on SalarySe UPI, online and in-store card spends up to Rs 20,000 a month; 1 SCoin per Rs 100 on base categories and UPI via other apps","base_return_pct":1.0,"accelerated_earn":"10 SCoins per Rs 100 on eligible spends above Rs 20,000 in a billing cycle; SalaryDay Bonus 25 SCoins per Rs 100 via SalarySe UPI on the 1st and last day of the month","reward_caps":"Base + accelerated + super-accelerated SCoins capped at 10% of credit limit per month. SalaryDay Bonus needs Rs 5,000 non-bonus-day spend, eligible spend capped at Rs 15,000 per cycle (max 3,750 SCoins) and sits outside the cap.","reward_exclusions":"No SCoins: cash (MCC 6010, 6011), wallets (6540), fuel and auto, quasi-cash, gambling, jewellery, and transactions under Rs 2,000 at small offline merchants. Rent, railways, insurance, education, telecom, government and UPI via non-SalarySe apps earn only the base 1 SCoin per Rs 100.","point_value":"5 SCoins = Rs 1 (Rs 0.20 each); gift vouchers or cash conversion in SalarySe app","points_expiry":"18 months from earning","reward_notes":"base_return_pct = 5 SCoins / Rs 100 x Rs 0.20 on standard card and SalarySe UPI spends; 2% above Rs 20,000 a month; 0.2% on base categories. SCoins credit after statement generation.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None (lounge benefit is for the physical card)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: 3% or Rs 250, whichever is higher; abroad: 3.5% or Rs 1,000, whichever is higher","eligibility":null,"source_product_page":"https://cityunionbank.bank.in/cub-salaryse-level-up-credit-card","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Oct26/MITC_V6_English.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Mar26/CreditCardFeatureDocument.pdf"],"source_quality":"primary","unverified_fields":["networks","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V6): 1% fee on rent and wallet loads; 1% on utilities once Rs 25,000 per cycle; 1% on fuel once Rs 50,000 per cycle; 1% on online gaming once Rs 10,000 per cycle; over-limit 3% or Rs 250; add-on Rs 500; EMI at 16% reducing with 2% processing fee. Network is not named in the documents; the lounge list and programme are RuPay. SalarySe is an employer-linked (salaried) programme; eligibility criteria are not published on the pages read.","id":378,"depth":"full","slug":"city-union-cub-salaryse-level-up-lifetime-free-virtual","url":"https://m16s.in/cards/city-union-cub-salaryse-level-up-lifetime-free-virtual/"},{"issuer":"City Union Bank","card_name":"CUB SalarySe Level Up (Paid, physical + virtual)","cobrand_partner":"SalarySe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"Rs 500 + GST joining and annual; annual waived on Rs 2 lakh spend. Replacement Rs 300.","welcome_benefit":null,"reward_currency":"SalarySe SCoins","base_earn":"5 SCoins per Rs 100 on SalarySe UPI, online and in-store card spends up to Rs 20,000 a month; 1 SCoin per Rs 100 on base categories and UPI via other apps","base_return_pct":1.0,"accelerated_earn":"10 SCoins per Rs 100 on eligible spends above Rs 20,000 in a billing cycle; SalaryDay Bonus 37.5 SCoins per Rs 100 via SalarySe UPI on the 1st and last day of the month","reward_caps":"Base + accelerated + super-accelerated SCoins capped at 10% of credit limit per month. SalaryDay Bonus needs Rs 5,000 non-bonus-day spend, eligible spend capped at Rs 15,000 per cycle (max 5,625 SCoins) and sits outside the cap.","reward_exclusions":"No SCoins: cash (MCC 6010, 6011), wallets (6540), fuel and auto, quasi-cash, gambling, jewellery, and transactions under Rs 2,000 at small offline merchants. Rent, railways, insurance, education, telecom, government and UPI via non-SalarySe apps earn only the base 1 SCoin per Rs 100.","point_value":"5 SCoins = Rs 1 (Rs 0.20 each); gift vouchers or cash conversion in SalarySe app","points_expiry":"18 months from earning","reward_notes":"base_return_pct = 5 SCoins / Rs 100 x Rs 0.20 on standard card and SalarySe UPI spends; 2% above Rs 20,000 a month; 0.2% on base categories. SCoins credit after statement generation.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"12 per year (1 per billing cycle), RuPay lounge programme","lounge_international":"None","lounge_conditions":"One visit unlocked per billing cycle with Rs 10,000+ spend in the previous cycle; pass valid 30 days.","forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: 3% or Rs 250, whichever is higher; abroad: 3.5% or Rs 1,000, whichever is higher","eligibility":null,"source_product_page":"https://cityunionbank.bank.in/cub-salaryse-level-up-credit-card","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Oct26/MITC_V6_English.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Mar26/CreditCardFeatureDocument.pdf"],"source_quality":"primary","unverified_fields":["networks","eligibility"],"date_read":"2026-10-11","notes":"Fine print (MITC V6): 1% fee on rent and wallet loads; 1% on utilities once Rs 25,000 per cycle; 1% on fuel once Rs 50,000 per cycle; 1% on online gaming once Rs 10,000 per cycle; over-limit 3% or Rs 250; add-on Rs 500; EMI at 16% reducing with 2% processing fee. Network is not named in the documents; the lounge list and programme are RuPay. SalarySe is an employer-linked (salaried) programme; eligibility criteria are not published on the pages read.","id":379,"depth":"full","slug":"city-union-cub-salaryse-level-up-paid-physical-virtual","url":"https://m16s.in/cards/city-union-cub-salaryse-level-up-paid-physical-virtual/"},{"issuer":"City Union Bank","card_name":"CUB Kavach Secured Credit Card","cobrand_partner":null,"networks":["RuPay","Mastercard"],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and add-on fees nil for both RuPay and Master variants (KFS). Limit enhancement Rs 200 per occasion.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000","cash_advance_fee":"India: 2% or Rs 250, whichever is higher; abroad: 2% or Rs 1,000, whichever is higher","eligibility":"Issued against a City Union Bank fixed deposit held as continuing security. Minimum FD and limit percentage are not stated in the MITC or KFS.","source_product_page":"https://cityunionbank.bank.in/cub-kavach-terms-and-conditions","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Jun26/MITC%20Kavach.pdf","source_other":["https://cityunionbank.bank.in/filemanager/Jun26/KFS%20Kavach.pdf"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","reward_currency","base_earn","eligibility"],"date_read":"2026-10-11","notes":"The fee schedule shows 2% a month (24% a year) but the interest illustration in the same MITC/KFS says 3.5% a month 'will be applicable initially'; confirm with the bank. Rewards or cashback are not described in the MITC or KFS, although the apply link carries a 'cc-rewards-cashback' campaign tag. 1% fee on rent and wallet loads; 1% on fuel once Rs 50,000 per cycle, utilities once Rs 25,000, online gaming once Rs 10,000. Over-limit 3% min Rs 250.","id":380,"depth":"fees-only","slug":"city-union-cub-kavach-secured-credit-card","url":"https://m16s.in/cards/city-union-cub-kavach-secured-credit-card/"},{"issuer":"City Union Bank","card_name":"CUB Dhi Credit Card (Unsecured)","cobrand_partner":"42 Card Solutions (Dhi)","networks":["Visa","Mastercard","RuPay"],"segment":"mid","card_type":["cashback","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee, including add-ons (up to 5). Card replacement Rs 500.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1.25% monthly cashback on POS and online retail spends (product page; 'valid for the next 2 years')","base_return_pct":1.25,"accelerated_earn":null,"reward_caps":"No cap stated on the product page.","reward_exclusions":"Fuel, rent, cash advances, government transactions, balance transfers, EMI, fees and charges.","point_value":"Cashback credited to the following month's statement","points_expiry":null,"reward_notes":"base_return_pct is the stated 1.25% cashback. MITC v27 (Feb 2026) only says cashback is earned at eligible merchant categories that the bank may change; the 1.25% rate is on the product page, which mixes several Dhi variants.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Only while a promotional offer is active (MITC)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% surcharge waived up to Rs 40,000 fuel spend per calendar month, max Rs 8,000 per transaction","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above; 3-day grace","cash_advance_fee":"5% or Rs 500, whichever is higher","eligibility":"Initially targeted at existing CUB savings and current account customers; limit at bank's discretion based on credit score.","source_product_page":"https://cityunionbank.bank.in/Creditcard","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Jun26/DhiCard_MITC.pdf","source_other":["https://cityunionbank.bank.in/credit-card-charges"],"source_quality":"primary","unverified_fields":["base_earn","base_return_pct","networks","status"],"date_read":"2026-10-11","notes":"Run on Pismo and managed by CUB's technology/lending service provider 42 Card Solutions. Product page lists Dhi CUB Visa Signature, Platinum, Master and RuPay variants plus corporate cards without separate terms. CUB's charges page (dated Jan 2024) shows interest up to 2.95% a month and late fee Rs 500; the Feb 2026 MITC shows up to 3.5% a month and Rs 350/450. MITC used. 1% surcharge on rent (MCC 6513). Whether new applications are currently open is not stated.","id":381,"depth":"full","slug":"city-union-cub-dhi-credit-card-unsecured","url":"https://m16s.in/cards/city-union-cub-dhi-credit-card-unsecured/"},{"issuer":"City Union Bank","card_name":"CUB Dhi FD Backed / Campus Credit Card","cobrand_partner":"42 Card Solutions (Dhi)","networks":[],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Cashback at eligible merchant categories; rate not stated in MITC for this variant","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Fuel, rent, cash advances, government transactions, balance transfers, EMI, fees and charges (product page, general).","point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% surcharge waived up to Rs 40,000 fuel spend per calendar month, max Rs 8,000 per transaction","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Rs 350 if outstanding up to Rs 25,000; Rs 450 above; 3-day grace","cash_advance_fee":"5% or Rs 250, whichever is higher; abroad 2.5% min Rs 500","eligibility":"FD of at least Rs 10,000 in a single individual's name on auto-renewal; limit 90% of pledged FD; one FD secured card at a time.","source_product_page":"https://cityunionbank.bank.in/Creditcard","source_mitc_or_tnc":"https://cityunionbank.bank.in/filemanager/Jun26/DhiCard_MITC.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","base_earn","status"],"date_read":"2026-10-11","notes":"Foreign currency surcharge is nil for the FD Backed / Campus variant per MITC v27 (Feb 2026). Network not named in the MITC. Whether new applications are open is not stated.","id":382,"depth":"partial","slug":"city-union-cub-dhi-fd-backed-campus-credit-card","url":"https://m16s.in/cards/city-union-cub-dhi-fd-backed-campus-credit-card/"},{"issuer":"CSB Bank","card_name":"CSB Bank OneCard (CSB One Co-Branded Credit Card)","cobrand_partner":"OneCard","networks":["Mastercard"],"segment":"mid","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Cancellation within 6 months of virtual card activation: Rs 3,000 (metal) / Rs 500 (plastic). Replacement: 2nd plastic Rs 145, 3rd onward Rs 500, metal Rs 3,000. Add-on issuance Rs 3,000 appears in the KFS table.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 50 (fractional points earned)","base_return_pct":0.2,"accelerated_earn":"5X RP on the top 2 spend categories of the month when spending in at least 3 categories","reward_caps":null,"reward_exclusions":"Money transfers, rent, fuel, cash withdrawals, wallet loads.","point_value":"1 RP = Rs 0.10 (aggregator figure)","points_expiry":"No expiry; nullified if card unused for 365 days","reward_notes":"base_return_pct = 1 RP / Rs 50 x Rs 0.10; about 1% on 5X categories. Earn rules read from the OneCard programme terms (SIB version); CSB's own T&C PDF was not opened. No redemption fee (KFS).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver, cap Rs 400 per month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 250 outstanding; Rs 250 for Rs 251-1,000; Rs 500 for Rs 1,001-5,000; Rs 1,000 for Rs 5,001-25,000; Rs 1,250 above Rs 25,000","cash_advance_fee":"2.5% of amount withdrawn","eligibility":null,"source_product_page":"https://www.csb.bank.in/credit-card","source_mitc_or_tnc":"https://www.csb.bank.in/pdf/CSB-One_KFS_05122024.pdf","source_other":["https://cardinsider.com/fintech-cards/onecard-credit-card/","https://www.getonecard.app/legal/sib_tncs/","https://ibsintelligence.com/ibsi-news/csb-bank-partners-with-onecard-and-mastercard-to-launch-a-co-branded-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","base_earn","accelerated_earn","reward_exclusions","point_value","points_expiry","lounge_domestic","lounge_international","eligibility"],"date_read":"2026-10-11","notes":"KFS effective 15 Dec 2025: rent payments 2% fee and wallet loads 2% (on cumulative Rs 10,000+ a month) from 1 Dec 2025. Network (Mastercard) is from the launch press headline, not the KFS. Applied for and serviced in the OneCard app.","id":383,"depth":"full","slug":"csb-bank-onecard-csb-one-co-branded-credit-card","url":"https://m16s.in/cards/csb-bank-onecard-csb-one-co-branded-credit-card/"},{"issuer":"CSB Bank","card_name":"Edge CSB Bank RuPay Credit Card","cobrand_partner":"Jupiter","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Replacement card Rs 249.","welcome_benefit":"Rs 250 brand voucher after first UPI credit card transaction of Rs 2,000 or more on the Jupiter app.","reward_currency":"Jewels","base_earn":"2% Jewels on all eligible spends (2 Jewels per Rs 100)","base_return_pct":0.4,"accelerated_earn":"10% Jewels on one chosen category (shopping, travel or dining), changeable every 3 billing cycles","reward_caps":"15,000 Jewels per billing cycle","reward_exclusions":"No Jewels on fuel, government, rent, utility bills, wallet / gift / prepaid loads, voucher purchases, cash advances, card fees, EMI, insurance premiums, tax, money transfers, gambling; about 50 MCCs excluded.","point_value":"1 Jewel = Rs 0.20 for Jupiter flights, store, brand vouchers, digital gold; Rs 0.14 for statement credit, bill payments, cash","points_expiry":"No expiry; nullified if card unused 365 days; lapse if dues unpaid 90 days","reward_notes":"base_return_pct = 2 Jewels / Rs 100 x Rs 0.20 (0.28% if taken as cash). Chosen category works out to 2% (1.4% as cash). Jupiter's page is inconsistent on the UPI rate (FAQ says 10% Jewels on Jupiter UPI).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver (max Rs 100) on Rs 400-3,000 fuel spends","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"5% of outstanding amount due, min Rs 250, max Rs 2,000","cash_advance_fee":"Cash advance not permitted","eligibility":"Jupiter: Indian resident aged 23-60 with good credit score; applied for only in the Jupiter app.","source_product_page":"https://jupiter.money/edge-csb-rupay-credit-card/","source_mitc_or_tnc":"https://www.csb.bank.in/pdf/edge-csb-bank-ruPay-credit-card-mitc_2025.pdf","source_other":["https://www.csb.bank.in/pdf/key_fact_statement_edge_csb_bank_credit_card_2025.pdf","https://jupiter.money/edge-csb-terms-conditions/?window=app","https://www.csb.bank.in/pdf/Edge_CSB_Bank_RuPay_Credit_Card-MITC.pdf"],"source_quality":"primary","unverified_fields":["status","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Co-brand partner is Europa Neo Marketing Pvt Ltd; app run by Jupiter (Amica Financial Technologies). MITC updated 29 Aug 2026: rent fee 1% min Rs 149; wallet top-up 1%; education 1%; utility 1% above Rs 20,000 or when monthly spends exceed Rs 50,000; fuel transaction fee 1% above Rs 10,000 or beyond Rs 50,000 a month; DCC 1%; no overlimit; cash advance not permitted. Jewels lock and earning pauses if minimum due is unpaid. Jupiter's Edge page carries a 'Limited access - move to Jupiter' banner and Jupiter now leads with Edge+; whether plain Edge is still issued to new applicants is not confirmed.","id":384,"depth":"full","slug":"edge-csb-bank-rupay-credit-card","url":"https://m16s.in/cards/edge-csb-bank-rupay-credit-card/"},{"issuer":"CSB Bank","card_name":"Edge+ CSB Bank RuPay Credit Card","cobrand_partner":"Jupiter","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","shopping","upi"],"status":"open","joining_fee":999,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"One-time joining fee Rs 999 + GST per MITC/KFS (Jupiter advertises Rs 0 as a limited-period offer; CSB's page shows Rs 499). No annual fee. Replacement Rs 249.","welcome_benefit":null,"reward_currency":"Jewels","base_earn":"5% Jewels on all other merchants (5 Jewels per Rs 100)","base_return_pct":1.0,"accelerated_earn":"50% Jewels on Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, Reliance Retail; 25% Jewels on Jupiter Flights","reward_caps":"Shopping: 10,000 Jewels per cycle, 3,000 per merchant, 1,000 per transaction. Flights: 5,000 per cycle. From 10 Oct 2026 the 50% shopping rate applies only if cycle spends exceed Rs 15,000 (5% instant, 45% at cycle end, else cancelled).","reward_exclusions":"No Jewels on fuel, government, rent, utility bills, wallet / gift / prepaid loads, voucher purchases, cash advances, card fees, EMI, insurance premiums, tax, money transfers, gambling; about 50 MCCs excluded.","point_value":"1 Jewel = Rs 0.20 for Jupiter flights, store, brand vouchers, digital gold; Rs 0.14 for statement credit, bill payments, cash","points_expiry":"No expiry; nullified if card unused 365 days; lapse if dues unpaid 90 days","reward_notes":"base_return_pct = 5 Jewels / Rs 100 x Rs 0.20 (0.7% as cash). Shopping 50% Jewels = 10% (7% as cash) up to the caps. Jupiter's terms say Edge+ Jewels are earned on UPI transactions made through the Jupiter UPI app; confirm whether plain card swipes earn.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver (max Rs 100) on Rs 400-3,000 fuel spends","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"5% of outstanding amount due, min Rs 250, max Rs 2,000","cash_advance_fee":"Cash advance not permitted","eligibility":"Jupiter: Indian resident aged 23-60, steady income, healthy credit score. Limit up to Rs 7 lakh.","source_product_page":"https://www.csb.bank.in/csb-bank-edge-credit-card","source_mitc_or_tnc":"https://www.csb.bank.in/pdf/edge-csb-bank-ruPay-credit-card-mitc_2025.pdf","source_other":["https://www.csb.bank.in/pdf/key_fact_statement_edge_csb_bank_credit_card_2025.pdf","https://jupiter.money/edge-csb-terms-conditions/?window=app","https://www.csb.bank.in/pdf/Edge_CSB_Bank_RuPay_Credit_Card-MITC.pdf","https://jupiter.money/edge-plus-upi-rupay-credit-card/"],"source_quality":"primary","unverified_fields":["lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Co-brand partner is Europa Neo Marketing Pvt Ltd; app run by Jupiter (Amica Financial Technologies). MITC updated 29 Aug 2026: rent fee 1% min Rs 149; wallet top-up 1%; education 1%; utility 1% above Rs 20,000 or when monthly spends exceed Rs 50,000; fuel transaction fee 1% above Rs 10,000 or beyond Rs 50,000 a month; DCC 1%; no overlimit; cash advance not permitted. Jewels lock and earning pauses if minimum due is unpaid.","id":385,"depth":"full","slug":"edge-csb-bank-rupay-credit-card-385","url":"https://m16s.in/cards/edge-csb-bank-rupay-credit-card-385/"},{"issuer":"DCB Bank","card_name":"DCB PayLess Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["secured","cashback","upi"],"status":"open","joining_fee":0,"annual_fee":350,"fee_waiver_spend":50000,"fee_notes":"Joining nil; annual Rs 350 from the 13th month, waived on Rs 50,000 spend (mapping to be confirmed).","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Rs 250 cashback on Rs 50,000 quarterly spend","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Fixed milestone amount per quarter; nothing below the threshold.","reward_exclusions":"Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals.","point_value":"Cashback credited in the first month of the following quarter","points_expiry":null,"reward_notes":"base_return_pct = Rs 250 / Rs 50,000, only if the quarterly threshold is hit exactly; zero below it.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (4 a year), RuPay / NPCI programme","lounge_international":"None","lounge_conditions":"Unused visits lapse at quarter end; Rs 2 non-refundable authorisation; programme can be changed by NPCI.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle","milestone_benefits":"Quarterly spend cashback as above.","other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"2.5% or Rs 250, whichever is higher","eligibility":"Requires a DCB Bank fixed deposit; credit limit 90% of the linked FD; minimum FD not stated.","source_product_page":"https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-platinum-card","source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2026-06/PayLess-Credit-Card-MITC.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-02/KFS-for-DCB-Payless-Credit-Card.pdf","https://www.dcb.bank.in/blog-details/what-are-secured-credit-cards-and-their-benefits"],"source_quality":"primary","unverified_fields":["annual_fee","fee_waiver_spend"],"date_read":"2026-10-31","notes":"FD-backed: limit 90% of linked DCB fixed deposit; cash limit 50% of credit limit. Bank may break the FD if minimum due is unpaid by day 85 or outstanding reaches 95% of FD. The fee table in the MITC/KFS text extracted without clear column labels; the Platinum/Select mapping of annual fee and waiver (Rs 350 / Rs 50,000 vs Rs 1,000 / Rs 2,00,000) follows the order of figures and should be confirmed. DCB's product pages returned no terms to the reader. Minimum FD not stated.","id":386,"depth":"full","slug":"dcb-payless-platinum-credit-card","url":"https://m16s.in/cards/dcb-payless-platinum-credit-card/"},{"issuer":"DCB Bank","card_name":"DCB PayLess Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["secured","cashback","upi"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Joining nil; annual Rs 1,000 from the 13th month, waived on Rs 2,00,000 spend (mapping to be confirmed).","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Rs 1,000 cashback on Rs 1,00,000 quarterly spend","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Fixed milestone amount per quarter; nothing below the threshold.","reward_exclusions":"Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals.","point_value":"Cashback credited in the first month of the following quarter","points_expiry":null,"reward_notes":"base_return_pct = Rs 1,000 / Rs 1,00,000, only if the quarterly threshold is hit exactly; zero below it.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (8 a year), RuPay / NPCI programme","lounge_international":"1 per year","lounge_conditions":"Unused visits lapse; Rs 2 non-refundable authorisation; extra visits at lounge rates.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle","milestone_benefits":"Quarterly spend cashback as above.","other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"2.5% or Rs 250, whichever is higher","eligibility":"Requires a DCB Bank fixed deposit; credit limit 90% of the linked FD; minimum FD not stated.","source_product_page":"https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-select-card","source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2026-06/PayLess-Credit-Card-MITC.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-02/KFS-for-DCB-Payless-Credit-Card.pdf"],"source_quality":"primary","unverified_fields":["annual_fee","fee_waiver_spend"],"date_read":"2026-10-31","notes":"FD-backed: limit 90% of linked DCB fixed deposit; cash limit 50% of credit limit. Bank may break the FD if minimum due is unpaid by day 85 or outstanding reaches 95% of FD. The fee table in the MITC/KFS text extracted without clear column labels; the Platinum/Select mapping of annual fee and waiver (Rs 350 / Rs 50,000 vs Rs 1,000 / Rs 2,00,000) follows the order of figures and should be confirmed. DCB's product pages returned no terms to the reader. Minimum FD not stated.","id":387,"depth":"full","slug":"dcb-payless-select-credit-card","url":"https://m16s.in/cards/dcb-payless-select-credit-card/"},{"issuer":"DCB Bank","card_name":"DCB Niyo Global Credit Card","cobrand_partner":"Niyo","networks":["Visa"],"segment":"entry","card_type":["secured","travel","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Replacement / reissue Rs 250.","welcome_benefit":null,"reward_currency":"Niyo Coins","base_earn":"Niyo blog: 2% Niyo Coins on domestic online transactions; 1% on international online transactions","base_return_pct":null,"accelerated_earn":"3% Niyo Coins on travel bookings made through Niyo","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Rates are from Niyo's blog, not the DCB MITC; Niyo Coin rupee value, caps and offline-spend earn not found, so base return is not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Niyo blog mentions lounge access without counts or spend thresholds.","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"2.5% or Rs 250, whichever is higher; cash limit 50% of credit limit or Rs 1 lakh, whichever is lower","eligibility":"Secured by a lien on the customer's DCB Niyo savings account; credit limit is 90% of the lien amount. Minimum credit limit to activate is Rs 5,000 (Niyo blog). Non-DCB users first open a DCB Niyo savings account in the Niyo app; no credit check.","source_product_page":"https://goniyo.com/blog/dcb-niyo-credit-card-for-international-travel","source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2026-04/MITC-for-DCB-Niyo-Credit-Card.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-04/KFS-for-DCB-Niyo-Credit-Card.pdf","https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-platinum-card"],"source_quality":"primary","unverified_fields":["base_earn","accelerated_earn","point_value","lounge_domestic","lounge_international","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"KFS/MITC state foreign currency markup nil with Visa exchange rates, but also mention a cross-currency markup 'charged on the transaction value' without a rate. Rewards (Niyo coins), lounge access and fuel waiver are not covered in the DCB documents; only Niyo's blog post was read on the partner side. Not valid for forex transactions in Nepal or Bhutan.","id":388,"depth":"partial","slug":"dcb-niyo-global-credit-card","url":"https://m16s.in/cards/dcb-niyo-global-credit-card/"},{"issuer":"DCB Bank","card_name":"DCB ZET Credit Card","cobrand_partner":"ZET","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Replacement / reissue Rs 249. Card closure within one year Rs 499.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.49,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"3.5% or Rs 300, whichever is higher; cash limit 50% of credit limit","eligibility":"FD-backed: credit limit 90% of linked DCB fixed deposit. Free physical card once cumulative FD reaches Rs 5,000.","source_product_page":null,"source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2026-02/MITC-for-DCB-ZET-Credit-Card.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-02/KFS-for-DCB-Zet-Credit-Card.pdf","https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-platinum-card"],"source_quality":"primary","unverified_fields":["reward_currency","base_earn","lounge_domestic","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Variant in the KFS is 'DCB ZET Card (RuPay Select)'; the MITC insurance section also names Select and Platinum variants without separate terms. Rewards, cashback, lounge and fuel waiver are not in the DCB documents and ZET's own pages were not read. FD can be liquidated if minimum due is unpaid to 85 days past due or dues breach 95% of FD. Rs 499 fee if closed within a year.","id":389,"depth":"fees-only","slug":"dcb-zet-credit-card","url":"https://m16s.in/cards/dcb-zet-credit-card/"},{"issuer":"DCB Bank","card_name":"DCB novio Credit Card (RuPay Platinum)","cobrand_partner":"novio","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","rewards","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Replacement / reissue Rs 250.","welcome_benefit":null,"reward_currency":"novioCoins","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals.","point_value":null,"points_expiry":null,"reward_notes":"Earn rates and caps are not in the MITC or KFS; refer to novio.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"2.5% or Rs 299, whichever is higher; cash limit 50% of credit limit or Rs 1 lakh","eligibility":"Requires a DCB Bank fixed deposit; limit 90% of FD. A third-party review cites a starting FD of Rs 2,000 from novio's app listing (unverified).","source_product_page":null,"source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2025-12/MITC-DCB-Novio-Card.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-04/KFS-DCB-Novio-Card.pdf","https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-platinum-card","https://www.pickmywork.com/novio-credit-card-review-2026/"],"source_quality":"primary","unverified_fields":["base_earn","reward_caps","point_value"],"date_read":"2026-10-11","notes":"FD-backed: limit 90% of FD; free physical card needs cumulative FD of Rs 10,000+. Rewards programme is 'powered by novio' and the rates are only in the novio app/site, which was not read. Rewards credit in the first month of the quarter after a spend milestone is met. Rs 599 fee if card is closed within one year.","id":390,"depth":"fees-only","slug":"dcb-novio-credit-card-rupay-platinum","url":"https://m16s.in/cards/dcb-novio-credit-card-rupay-platinum/"},{"issuer":"DCB Bank","card_name":"DCB novio Credit Card (RuPay Select)","cobrand_partner":"novio","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","rewards","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Replacement / reissue Rs 250.","welcome_benefit":null,"reward_currency":"novioCoins","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals.","point_value":null,"points_expiry":null,"reward_notes":"Earn rates and caps are not in the MITC or KFS; refer to novio.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (4 a year), RuPay programme","lounge_international":"None","lounge_conditions":"Unused visits lapse; Rs 2 non-refundable authorisation; extra visits at lounge rates.","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month)","cash_advance_fee":"2.5% or Rs 299, whichever is higher; cash limit 50% of credit limit or Rs 1 lakh","eligibility":"Requires a DCB Bank fixed deposit; limit 90% of FD. A third-party review cites a starting FD of Rs 2,000 from novio's app listing (unverified).","source_product_page":null,"source_mitc_or_tnc":"https://www.dcb.bank.in/api/dcb/assets/2025-12/MITC-DCB-Novio-Card.pdf","source_other":["https://www.dcb.bank.in/api/dcb/assets/2026-04/KFS-DCB-Novio-Card.pdf","https://www.dcb.bank.in/personal/cards/secured-card/dcb-payless-platinum-card","https://www.pickmywork.com/novio-credit-card-review-2026/"],"source_quality":"primary","unverified_fields":["base_earn","reward_caps","point_value"],"date_read":"2026-10-11","notes":"FD-backed: limit 90% of FD; free physical card needs cumulative FD of Rs 10,000+. Rewards programme is 'powered by novio' and the rates are only in the novio app/site, which was not read. Rewards credit in the first month of the quarter after a spend milestone is met. Rs 599 fee if card is closed within one year.","id":391,"depth":"fees-only","slug":"dcb-novio-credit-card-rupay-select","url":"https://m16s.in/cards/dcb-novio-credit-card-rupay-select/"},{"issuer":"Dhanlaxmi Bank","card_name":"Dhan Namaste Credit Card (Visa Platinum)","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":0,"annual_fee":400,"fee_waiver_spend":50000,"fee_notes":"Platinum variant per MITC: joining nil for new customers; annual Rs 400 waived on Rs 50,000 annual usage; add-on free.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":null,"base_return_pct":null,"accelerated_earn":"5% cashback on supermarket and departmental store purchases","reward_caps":"Cashback capped at Rs 50 per month per card","reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"No base reward point rate is stated on the Namaste product page. Cashback cap of Rs 50 a month means the 5% applies to only Rs 1,000 of spend.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Product page shows a 'Lounge Access' tab but its content was not readable.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None described; fuel service charge Rs 10 or 2.5%","milestone_benefits":null,"other_freebies":"Visa Platinum privileges, online concierge, global customer assistance.","interest_rate_monthly_pct":1.9,"late_payment_fee":"30% of minimum amount due, min Rs 400, max Rs 600","cash_advance_fee":"Rs 400 per transaction","eligibility":"Salaried or self-employed with minimum annual gross income of Rs 6 lakh.","source_product_page":"https://www.dhan.bank.in/credit-card-pl","source_mitc_or_tnc":"https://www.dhan.bank.in/pdf/Most_Imp_Terms_Conditions.pdf","source_other":["https://www.dhan.bank.in/credit-card/","https://www.paisabazaar.com/dhanlaxmi-bank/credit-card/"],"source_quality":"primary","unverified_fields":["annual_fee","fee_waiver_spend","lounge_domestic"],"date_read":"2026-10-11","notes":"MITC: revolving finance charge 1.9% a month (22.8% a year); cash advance finance charge 3% a month; default finance charge 3.5% a month from date of default. Joining fee is Rs 400 if the applicant closed a Dhanlaxmi card in the last 3 years. Fuel transactions carry a service charge of Rs 10 or 2.5%; no fuel surcharge waiver is described. Overlimit 2.5% min Rs 300. Cash limit 15% of credit limit. Reward redemption fee Rs 75 for gifts, nil for cash. Aggregators still list an older 'Gold' card that is not on the bank's site. The MITC groups 'Visa/RuPay Platinum' on one fee line; Paisabazaar shows the Visa Platinum as nil annual fee, which conflicts with the MITC.","id":392,"depth":"fees-only","slug":"dhanlaxmi-dhan-namaste-credit-card-visa-platinum","url":"https://m16s.in/cards/dhanlaxmi-dhan-namaste-credit-card-visa-platinum/"},{"issuer":"Dhanlaxmi Bank","card_name":"RuPay Dhan Vriddhi Credit Card (RuPay Platinum)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":400,"fee_waiver_spend":50000,"fee_notes":"Joining nil; annual Rs 400 waived on Rs 50,000 annual spend.","welcome_benefit":"1,000 points on spends above Rs 10,000 within 90 days of issuance.","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":0.1,"accelerated_earn":"5% cashback on grocery spends","reward_caps":"Grocery cashback capped at Rs 50 per billing cycle","reward_exclusions":"Exclusions are flagged on the product page but not listed.","point_value":"1 point = Rs 0.05 (as shown on the product page)","points_expiry":null,"reward_notes":"base_return_pct = 2 points / Rs 100 x Rs 0.05. Redemption fee Rs 75 for gifts, nil for cash (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per half year","lounge_international":"None","lounge_conditions":"T&C apply; RuPay programme.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None described; fuel service charge Rs 10 or 2.5%","milestone_benefits":null,"other_freebies":"Credit card on UPI; EMI conversion.","interest_rate_monthly_pct":1.9,"late_payment_fee":"30% of minimum amount due, min Rs 400, max Rs 600","cash_advance_fee":"Rs 400 per transaction","eligibility":null,"source_product_page":"https://www.dhan.bank.in/rupay-cc-Dhan-Vriddhi","source_mitc_or_tnc":"https://www.dhan.bank.in/pdf/Most_Imp_Terms_Conditions.pdf","source_other":["https://www.dhan.bank.in/credit-card/"],"source_quality":"primary","unverified_fields":["eligibility"],"date_read":"2026-10-11","notes":"MITC: revolving finance charge 1.9% a month (22.8% a year); cash advance finance charge 3% a month; default finance charge 3.5% a month from date of default. Joining fee is Rs 400 if the applicant closed a Dhanlaxmi card in the last 3 years. Fuel transactions carry a service charge of Rs 10 or 2.5%; no fuel surcharge waiver is described. Overlimit 2.5% min Rs 300. Cash limit 15% of credit limit. Reward redemption fee Rs 75 for gifts, nil for cash. Aggregators still list an older 'Gold' card that is not on the bank's site.","id":393,"depth":"full","slug":"dhanlaxmi-rupay-dhan-vriddhi-credit-card-rupay-platinum","url":"https://m16s.in/cards/dhanlaxmi-rupay-dhan-vriddhi-credit-card-rupay-platinum/"},{"issuer":"Dhanlaxmi Bank","card_name":"RuPay Dhan Samriddhi Credit Card (RuPay Select)","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":800,"fee_waiver_spend":100000,"fee_notes":"Joining nil; annual Rs 800 waived on Rs 1,00,000 annual spend.","welcome_benefit":"1,000 points on spends above Rs 10,000 within 90 days of issuance.","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":0.1,"accelerated_earn":"5% cashback on grocery spends","reward_caps":"Grocery cashback capped at Rs 50 per billing cycle","reward_exclusions":"Exclusions are flagged on the product page but not listed.","point_value":"1 point = Rs 0.05 (as shown on the product page)","points_expiry":null,"reward_notes":"base_return_pct = 2 points / Rs 100 x Rs 0.05. Redemption fee Rs 75 for gifts, nil for cash (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"1 per half year","lounge_conditions":"T&C apply; RuPay Select programme.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None described; fuel service charge Rs 10 or 2.5%","milestone_benefits":null,"other_freebies":"Credit card on UPI; EMI conversion.","interest_rate_monthly_pct":1.9,"late_payment_fee":"30% of minimum amount due, min Rs 400, max Rs 600","cash_advance_fee":"Rs 400 per transaction","eligibility":null,"source_product_page":"https://www.dhan.bank.in/rupay-CC-Dhan-Samriddhi/","source_mitc_or_tnc":"https://www.dhan.bank.in/pdf/Most_Imp_Terms_Conditions.pdf","source_other":["https://www.dhan.bank.in/credit-card/"],"source_quality":"primary","unverified_fields":["eligibility"],"date_read":"2026-10-11","notes":"MITC: revolving finance charge 1.9% a month (22.8% a year); cash advance finance charge 3% a month; default finance charge 3.5% a month from date of default. Joining fee is Rs 400 if the applicant closed a Dhanlaxmi card in the last 3 years. Fuel transactions carry a service charge of Rs 10 or 2.5%; no fuel surcharge waiver is described. Overlimit 2.5% min Rs 300. Cash limit 15% of credit limit. Reward redemption fee Rs 75 for gifts, nil for cash. Aggregators still list an older 'Gold' card that is not on the bank's site.","id":394,"depth":"full","slug":"dhanlaxmi-rupay-dhan-samriddhi-credit-card-rupay-select","url":"https://m16s.in/cards/dhanlaxmi-rupay-dhan-samriddhi-credit-card-rupay-select/"},{"issuer":"Karur Vysya Bank","card_name":"KVB Eternis Credit Card","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":29999,"annual_fee":29999,"fee_waiver_spend":null,"fee_notes":"Rs 29,999 + GST joining and annual; no waiver mentioned. Card replacement Rs 3,999.","welcome_benefit":"10,000 RP on activation; one-night stay at Postcard Hotels; 1-year MindEscapes Concierge Club, EazyDiner and Club Marriott memberships.","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":2.0,"accelerated_earn":"3X RP on airline, hotel, dining and luxury shopping spends","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 1","points_expiry":"Unclaimed points lapse once every 3 years, or if minimum due is unpaid for more than 60 days","reward_notes":"base_return_pct = 2 RP / Rs 100 x Rs 1. Redemption fee Rs 99 per request; first redemption min 2,000 RP, later 250 RP.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% waiver on Rs 500-4,000 txns, cap Rs 200 per billing cycle","milestone_benefits":null,"other_freebies":"15% off Business Class fares on Qatar Airways and Lufthansa (international) and Air India (domestic).","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil below Rs 200; Rs 100 for Rs 200-500; Rs 300 for Rs 501-2,500; Rs 500 for Rs 2,501-10,000; Rs 800 for Rs 10,001-25,000; Rs 1,000 above Rs 25,000","cash_advance_fee":"2% or Rs 300, whichever is higher","eligibility":"Credit limit Rs 5 lakh to Rs 50 lakh; bank's eligibility criteria not published.","source_product_page":"https://www.kvb.bank.in/personal/cards/kvb-credit-cards/kvb-credit-card/kvb-eternis-credit-card/","source_mitc_or_tnc":"https://www.kvb.bank.in/docs/retail-credit-card-mitc.pdf","source_other":["https://www.kvb.bank.in/personal/cards/kvb-credit-cards/kvb-credit-card/"],"source_quality":"primary","unverified_fields":["networks","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Network and lounge access are not stated on the product page. The MITC read (v2.0, 4 Mar 2025) predates Eternis and does not list it; terms are from the product page. KVB also sells co-branded KVB SBI cards, which are issued by SBI Card and excluded here. Reward redemption fee Rs 99 per request; first redemption needs 2,000 points, later ones 250 (MITC says 800). 1% service charge on rent payments. Over-limit 2.5% min Rs 500. Rs 100 fee for cash payment at branch. A secured version against FD is available as an option.","id":395,"depth":"full","slug":"karur-vysya-kvb-eternis-credit-card","url":"https://m16s.in/cards/karur-vysya-kvb-eternis-credit-card/"},{"issuer":"Karur Vysya Bank","card_name":"KVB Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":599,"fee_waiver_spend":100000,"fee_notes":"Joining free; annual Rs 599, first year waived per MITC, later waived on Rs 1 lakh retail spend in the prior year. Add-on free on page (MITC lists Rs 200).","welcome_benefit":"500 bonus reward points on activation.","reward_currency":"Reward Points","base_earn":"2 RP per Rs 150","base_return_pct":null,"accelerated_earn":"1.5X on restaurants, medical, books, insurance, rail tickets, movie tickets, car rentals; 2X on domestic and international travel, hotels, air tickets","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"Unclaimed points lapse once every 3 years, or if minimum due is unpaid for more than 60 days","reward_notes":"Point value is not published on the pages read, so base return is not computed. Redemption fee Rs 99 per request.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 500-4,000 txns, cap Rs 200 per billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.25,"late_payment_fee":"Nil below Rs 200; Rs 100 for Rs 200-500; Rs 300 for Rs 501-2,500; Rs 500 for Rs 2,501-10,000; Rs 800 for Rs 10,001-25,000; Rs 1,000 above Rs 25,000","cash_advance_fee":"2% or Rs 300, whichever is higher (product page); MITC shows Rs 300 or 1%","eligibility":"Credit limit Rs 25,000 to Rs 5 lakh; bank's eligibility criteria not published.","source_product_page":"https://www.kvb.bank.in/personal/cards/kvb-credit-cards/kvb-credit-card/kvb-platinum-credit-card/","source_mitc_or_tnc":"https://www.kvb.bank.in/docs/retail-credit-card-mitc.pdf","source_other":["https://www.bankbazaar.com/karur-vysya-bank-credit-card.html"],"source_quality":"primary","unverified_fields":["point_value","cash_advance_fee"],"date_read":"2026-10-11","notes":"BankBazaar still shows older fees (Rs 999, waiver at Rs 3 lakh); bank page and MITC show Rs 599 and Rs 1 lakh. KVB also sells co-branded KVB SBI cards, which are issued by SBI Card and excluded here. Reward redemption fee Rs 99 per request; first redemption needs 2,000 points, later ones 250 (MITC says 800). 1% service charge on rent payments. Over-limit 2.5% min Rs 500. Rs 100 fee for cash payment at branch. A secured version against FD is available as an option.","id":396,"depth":"partial","slug":"karur-vysya-kvb-platinum-credit-card","url":"https://m16s.in/cards/karur-vysya-kvb-platinum-credit-card/"},{"issuer":"Karur Vysya Bank","card_name":"KVB Honour Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":300000,"fee_notes":"Joining free; annual Rs 999, first year waived per MITC (Retail Visa Signature), later waived on Rs 3 lakh spend in the prior year. Add-on free on page (MITC lists Rs 200).","welcome_benefit":"700 bonus reward points on activation.","reward_currency":"Reward Points","base_earn":"3 RP per Rs 150","base_return_pct":null,"accelerated_earn":"2X on restaurants, medical, books, insurance, rail tickets, movie tickets, car rentals; 4X on domestic and international travel, hotels, air tickets","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"Unclaimed points lapse once every 3 years, or if minimum due is unpaid for more than 60 days","reward_notes":"Point value is not published on the pages read, so base return is not computed. Redemption fee Rs 99 per request.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 complimentary visits within India","lounge_international":"None stated","lounge_conditions":"Period (per year) and spend conditions not stated on the page.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on Rs 500-4,000 txns, cap Rs 200 per billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.25,"late_payment_fee":"Nil below Rs 200; Rs 100 for Rs 200-500; Rs 300 for Rs 501-2,500; Rs 500 for Rs 2,501-10,000; Rs 800 for Rs 10,001-25,000; Rs 1,000 above Rs 25,000","cash_advance_fee":"2% or Rs 300, whichever is higher (product page); MITC shows Rs 300 or 1%","eligibility":"Credit limit Rs 1.5 lakh to Rs 10 lakh; bank's eligibility criteria not published.","source_product_page":"https://www.kvb.bank.in/personal/cards/kvb-credit-cards/kvb-credit-card/kvb-honour-credit-card/","source_mitc_or_tnc":"https://www.kvb.bank.in/docs/retail-credit-card-mitc.pdf","source_other":["https://www.bankbazaar.com/karur-vysya-bank-credit-card.html"],"source_quality":"primary","unverified_fields":["point_value","cash_advance_fee","networks"],"date_read":"2026-10-11","notes":"Mapped to 'Retail Visa Signature' in the MITC by fee match (Rs 999, Rs 3 lakh waiver). BankBazaar shows older fees (Rs 1,299, Rs 5 lakh). KVB also sells co-branded KVB SBI cards, which are issued by SBI Card and excluded here. Reward redemption fee Rs 99 per request; first redemption needs 2,000 points, later ones 250 (MITC says 800). 1% service charge on rent payments. Over-limit 2.5% min Rs 500. Rs 100 fee for cash payment at branch. A secured version against FD is available as an option.","id":397,"depth":"full","slug":"karur-vysya-kvb-honour-credit-card","url":"https://m16s.in/cards/karur-vysya-kvb-honour-credit-card/"},{"issuer":"Karur Vysya Bank","card_name":"KVB Corporate Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Joining free; Rs 1,000 per card, free in first year. Replacement Rs 500. Add-on free on page (MITC lists Rs 200).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Point value not published; 'exclusive cash back program' is listed without details. Redemption fee shown as not applicable.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary visits within India","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Listed as a highlight, but the fee table shows a 2% petrol surcharge, max Rs 300 a month (Rs 400-4,000 txns)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.95,"late_payment_fee":"Rs 500","cash_advance_fee":"2% or Rs 100, whichever is higher; cash limit 10% of credit limit","eligibility":"Promoters and authorised employees of corporate / business entities under corporate liability; up to 25 cards per corporate.","source_product_page":"https://www.kvb.bank.in/personal/cards/kvb-credit-cards/kvb-credit-card/kvb-corporate-credit-card","source_mitc_or_tnc":"https://www.kvb.bank.in/docs/retail-credit-card-mitc.pdf","source_other":[],"source_quality":"primary","unverified_fields":["point_value","fuel_surcharge_waiver","networks"],"date_read":"2026-10-11","notes":"MITC names it Corporate Visa Signature in the fee table and Corporate Visa Platinum in the interest table. No EMI, balance transfer or contactless. Over-limit and failed payment Rs 500 each. KVB also sells co-branded KVB SBI cards, which are issued by SBI Card and excluded here. Reward redemption fee Rs 99 per request; first redemption needs 2,000 points, later ones 250 (MITC says 800). 1% service charge on rent payments. Over-limit 2.5% min Rs 500. Rs 100 fee for cash payment at branch. A secured version against FD is available as an option.","id":398,"depth":"partial","slug":"karur-vysya-kvb-corporate-credit-card","url":"https://m16s.in/cards/karur-vysya-kvb-corporate-credit-card/"},{"issuer":"South Indian Bank","card_name":"SIB One Co-Branded Credit Card (SIB OneCard)","cobrand_partner":"OneCard","networks":["Visa"],"segment":"mid","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free. Replacement: 2nd plastic Rs 145, 3rd onward Rs 500, metal Rs 3,000. Add-on issuance Rs 3,000 per KFS.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 50 (fractional points earned)","base_return_pct":0.2,"accelerated_earn":"5X RP on the top 2 spend categories of the month when spending in at least 3 categories; bonus credited on the 10th of the next month","reward_caps":null,"reward_exclusions":"Money transfers, rent, fuel, cash withdrawals, wallet loads and top-ups; referral points do not qualify for 5X.","point_value":"1 RP = Rs 0.10 (aggregator figure; bank terms say the conversion rate may change without notice)","points_expiry":"No expiry; nullified if card unused for 365 days","reward_notes":"base_return_pct = 1 RP / Rs 50 x Rs 0.10; about 1% on the 5X categories. No redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver, cap Rs 400 per calendar month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 250 outstanding; Rs 250 for Rs 251-1,000; Rs 500 for Rs 1,001-5,000; Rs 1,000 for Rs 5,001-25,000; Rs 1,250 above Rs 25,000","cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.southindianbank.bank.in/personal/cards/credit-card/sib-one-co-branded-credit-card","source_mitc_or_tnc":"https://www.southindianbank.bank.in/userfiles/upload/sib_onecard_kfs.pdf","source_other":["https://getonecard.app/legal/sib_mitc/","https://www.getonecard.app/legal/sib_tncs/","https://cardinsider.com/fintech-cards/onecard-credit-card/"],"source_quality":"primary","unverified_fields":["point_value","lounge_domestic","lounge_international","eligibility"],"date_read":"2026-10-11","notes":"Metal Visa Signature card, applied for and run in the OneCard app. KFS effective 15 Sep 2026: rent payments carry a 2% fee and wallet loads 2% (on cumulative Rs 10,000+ a month) from 1 Feb 2026; over-limit 2.5% min Rs 500 (only if enabled in app). Cancelling within 6 months of virtual card activation costs Rs 3,000 (metal) or Rs 500 (plastic). ATM cash withdrawal is described as currently unavailable. South Indian Bank also sells SIB SBI Platinum and SIB SimplySAVE SBI cards, which are issued by SBI Card and excluded here.","id":399,"depth":"full","slug":"south-indian-sib-one-co-branded-credit-card-sib-onecard","url":"https://m16s.in/cards/south-indian-sib-one-co-branded-credit-card-sib-onecard/"},{"issuer":"South Indian Bank","card_name":"Secured SIB One Co-Branded Credit Card","cobrand_partner":"OneCard","networks":["Visa"],"segment":"entry","card_type":["cobrand","secured","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Assumed to follow the SIB OneCard KFS (nil joining and annual fee); the bank's page for the secured variant shows only the title.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 50 (OneCard programme)","base_return_pct":0.2,"accelerated_earn":"5X RP on top 2 categories when spending in at least 3 categories","reward_caps":null,"reward_exclusions":"Money transfers, rent, fuel, cash withdrawals, wallet loads.","point_value":"1 RP = Rs 0.10 (aggregator figure)","points_expiry":"No expiry; nullified if card unused for 365 days","reward_notes":"base_return_pct = 1 RP / Rs 50 x Rs 0.10. All terms carried over from the unsecured SIB OneCard documents.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% waiver, cap Rs 400 per calendar month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil up to Rs 250 outstanding; Rs 250 for Rs 251-1,000; Rs 500 for Rs 1,001-5,000; Rs 1,000 for Rs 5,001-25,000; Rs 1,250 above Rs 25,000","cash_advance_fee":null,"eligibility":"Issued against a South Indian Bank fixed deposit; minimum FD and limit percentage not found.","source_product_page":"https://www.southindianbank.bank.in/personal/cards/credit-card/secured-sib-one-co-branded-credit-card","source_mitc_or_tnc":"https://www.southindianbank.bank.in/userfiles/upload/sib_onecard_kfs.pdf","source_other":["https://southindianbank.bank.in/personal/cards/credit-card","https://www.getonecard.app/legal/sib_tncs/"],"source_quality":"mixed","unverified_fields":["networks","joining_fee","annual_fee","base_earn","accelerated_earn","point_value","forex_markup_pct","fuel_surcharge_waiver","interest_rate_monthly_pct","late_payment_fee","eligibility"],"date_read":"2026-10-11","notes":"Listed on South Indian Bank's credit card page as a separate product, but no secured-specific terms were readable; figures are those of the unsecured SIB OneCard and must be confirmed. KFS effective 15 Sep 2026: rent payments carry a 2% fee and wallet loads 2% (on cumulative Rs 10,000+ a month) from 1 Feb 2026; over-limit 2.5% min Rs 500 (only if enabled in app). Cancelling within 6 months of virtual card activation costs Rs 3,000 (metal) or Rs 500 (plastic). ATM cash withdrawal is described as currently unavailable. South Indian Bank also sells SIB SBI Platinum and SIB SimplySAVE SBI cards, which are issued by SBI Card and excluded here.","id":400,"depth":"full","slug":"south-indian-secured-sib-one-co-branded-credit-card","url":"https://m16s.in/cards/south-indian-secured-sib-one-co-branded-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Wings (RuPay) Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"No joining or issuance fee. Renewal Rs 250 a year, waived if spend is Rs 50,000 or more in any quarter of the calendar year. Replacement Rs 100.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 250 + GST if minimum amount due is not paid","cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"TMB savings account holder with 1 year vintage; ITR for last 2 years; annual income Rs 3 lakh+; CIBIL 700+.","source_product_page":"https://www.tmb.bank.in/personal/retail-cards/tmb-wings-rupay-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":["card_type"],"date_read":"2026-10-11","notes":"RuPay Platinum. Fee waiver is a quarterly-spend test, so fee_waiver_spend is left null. Interest 24% a year on revolving credit and cash. EMI on spends of Rs 5,000+. Billing 25th, due 10th. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":401,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-wings-rupay-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-wings-rupay-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Phoenix (RuPay) Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"No joining or issuance fee. Renewal Rs 500 a year, waived on calendar-year spend of Rs 1,00,000 or more. Replacement Rs 100.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 250 + GST if minimum amount due is not paid","cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"Individual or proprietor with a TMB current account, 1 year vintage; 2 ITRs; annual income Rs 3 lakh+; CIBIL 700+.","source_product_page":"https://www.tmb.bank.in/tmb-phoenix-rupay-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"RuPay Platinum aimed at business spending. Interest 24% a year. Minimum repayment 10% of billed amount, min Rs 500. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":402,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-phoenix-rupay-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-phoenix-rupay-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Free issuance, zero annual fee; add-on free for spouse and children above 18.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":null,"cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"Any individual holding a TMB term deposit of Rs 50,000+ with minimum 3-year tenure; limit Rs 20,000 to Rs 5 lakh, capped at 75% of deposit; no income documents.","source_product_page":"https://www.tmb.bank.in/tmb-platinum-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","late_payment_fee"],"date_read":"2026-10-11","notes":"RuPay Platinum secured against term deposit. The 2% a month (24% a year) rate is stated for cash withdrawal finance charges; purchase interest and late fee are not stated on the page. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":403,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-platinum-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-platinum-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Titanium Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":[],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"Joining and 'annual fee' shown as free, but a renewal fee of Rs 250 + GST (add-on Rs 150) is listed. Replacement Rs 250.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 250 + GST","cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"Gross annual income Rs 2 lakh+; limit Rs 20,000 to Rs 5 lakh, restricted to 25% of annual income.","source_product_page":"https://www.tmb.bank.in/tmb-titanium-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","annual_fee"],"date_read":"2026-10-11","notes":"RuPay Titanium. Page is inconsistent: table says income-based (unsecured), overview says backed by a term deposit. 24% a year is stated for cash withdrawals; purchase rate not stated. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":404,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-titanium-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-titanium-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Vertex Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":[],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"Issuance, joining and 'annual fee' shown as free, but a renewal fee of Rs 250 + GST (add-on Rs 150) is listed. Replacement Rs 250.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 250 + GST","cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"Individual holding an account with TMB with a source of income; limit Rs 20,000 to Rs 5 lakh, restricted to 25% of annual income.","source_product_page":"https://www.tmb.bank.in/personal/retail-cards/tmb-vertex-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","annual_fee"],"date_read":"2026-10-11","notes":"Visa card. Page text also says 'backed by your deposit' while the parameters are income-based; unresolved. 24% a year is stated for cash withdrawals; purchase rate not stated. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":405,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-vertex-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-vertex-credit-card/"},{"issuer":"Tamilnad Mercantile Bank","card_name":"TMB Vibe360 Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Free issuance, zero annual fee; add-on free for spouse and children above 18.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":null,"cash_advance_fee":"3% of amount, min Rs 30 (per Rs 1,000 or part) at TMB ATMs; 3% plus other bank charges elsewhere; cash limit 25% of credit limit","eligibility":"NRI or resident individual holding a TMB term deposit of Rs 50,000+ with minimum 3-year tenure; limit Rs 30,000 to Rs 10 lakh, max 75% of deposit.","source_product_page":"https://www.tmb.bank.in/personal/retail-cards/tmb-vibe360-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.tmb.bank.in/pages/CCMITC"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct","late_payment_fee"],"date_read":"2026-10-11","notes":"Visa card secured against term deposit; open to NRIs. 24% a year is stated for cash withdrawals; purchase rate and late fee not stated. TMB's MITC page (tabs: Visa/Master, RuPay Wings, RuPay Phoenix) did not render its content, so terms are from product pages only. No reward programme, lounge access or fuel surcharge waiver is mentioned on any TMB card page. BankBazaar still lists older names (TMB General, TMB India Card). Cards are issued to existing TMB customers.","id":406,"depth":"fees-only","slug":"tamilnad-mercantile-tmb-vibe360-credit-card","url":"https://m16s.in/cards/tamilnad-mercantile-tmb-vibe360-credit-card/"},{"issuer":"Union Bank of India","card_name":"VISA Gold Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":350,"fee_waiver_spend":30000,"fee_notes":"Joining fee nil. Annual fee Rs 350 (add-on Rs 250). Waived on Rs 30,000 card usage in the previous 12 months. Replacement Rs 149.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated on product page.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz app/website for merchandise, vouchers, travel or bill payment. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 5 lakh (premium borne by cardholder). Up to 3 add-on cards.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/visa-gold-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 20% of card limit. No lounge access mentioned.","id":407,"depth":"full","slug":"union-bank-of-india-visa-gold-credit-card","url":"https://m16s.in/cards/union-bank-of-india-visa-gold-credit-card/"},{"issuer":"Union Bank of India","card_name":"VISA Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":450,"fee_waiver_spend":50000,"fee_notes":"Joining fee nil. Annual fee Rs 450 (add-on Rs 350). Waived on Rs 50,000 usage in the previous 12 months. Replacement Rs 249.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated on product page.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 10 lakh (premium borne by cardholder). Up to 3 add-on cards.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/visa-platinum-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 30% of card limit. No lounge access mentioned on the product page.","id":408,"depth":"full","slug":"union-bank-of-india-visa-platinum-credit-card","url":"https://m16s.in/cards/union-bank-of-india-visa-platinum-credit-card/"},{"issuer":"Union Bank of India","card_name":"VISA Signature Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1999,"fee_waiver_spend":270000,"fee_notes":"Joining fee nil. Annual fee Rs 1,999 (add-on Rs 999). Waived on Rs 2,70,000 usage in the previous 12 months. Replacement Rs 299.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"4 RP per Rs 100","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated on product page.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 4 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Bank product page text read did not state lounge counts. An aggregator (stablemoney) lists 2 domestic lounge visits per quarter and 2 international per year across RuPay Select / VISA Signature without clearly attributing them to this card.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 30 lakh (premium borne by cardholder). Up to 3 add-on cards.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/visa-signature-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards","https://stablemoney.in/credit-card/union-bank-of-india-credit-cards"],"source_quality":"primary","unverified_fields":["lounge_domestic","lounge_international","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 40% of card limit.","id":409,"depth":"full","slug":"union-bank-of-india-visa-signature-credit-card","url":"https://m16s.in/cards/union-bank-of-india-visa-signature-credit-card/"},{"issuer":"Union Bank of India","card_name":"RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":350,"fee_waiver_spend":30000,"fee_notes":"Joining fee nil. Annual fee Rs 350 (add-on Rs 250). Waived on Rs 30,000 usage in the previous 12 months. Replacement Rs 149. Aggregator cardinsider shows Rs 299, which conflicts with the bank MITC.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated on product page.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Product page says 'complimentary lounge access' but gives no count","lounge_international":null,"lounge_conditions":"RuPay lounge programme (rupay.co.in/lounges). Count not stated by the bank; cardinsider FAQ says this card has no lounge access.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 2 lakh (NPCI-paid) plus Rs 10 lakh (cardholder-paid premium). UPI linking. Up to 3 add-on cards.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/rupay-platinum-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards","https://cardinsider.com/union-bank/"],"source_quality":"primary","unverified_fields":["lounge_domestic","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 30% of card limit.","id":410,"depth":"full","slug":"union-bank-of-india-rupay-platinum-credit-card","url":"https://m16s.in/cards/union-bank-of-india-rupay-platinum-credit-card/"},{"issuer":"Union Bank of India","card_name":"RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":550,"fee_waiver_spend":50000,"fee_notes":"Joining fee nil. Annual fee Rs 550 (add-on Rs 450). Waived on Rs 50,000 usage in the previous 12 months. Replacement Rs 249. Aggregator cardinsider shows Rs 499, which conflicts with the bank MITC.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"4 RP per Rs 100","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated on product page.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 4 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; eligible lounges at rupay.co.in/lounges. No spend condition stated by the bank.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 10 lakh (NPCI-paid) plus Rs 30 lakh (cardholder-paid premium). UPI linking. Up to 3 add-on cards.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/rupay-select-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards","https://cardinsider.com/union-bank/"],"source_quality":"primary","unverified_fields":["points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 40% of card limit.","id":411,"depth":"full","slug":"union-bank-of-india-rupay-select-credit-card","url":"https://m16s.in/cards/union-bank-of-india-rupay-select-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union Unicorn RuPay Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"premium","card_type":["rewards","travel","upi"],"status":"open","joining_fee":2400,"annual_fee":2400,"fee_waiver_spend":300000,"fee_notes":"Joining fee Rs 2,400 (waived on Rs 1 lakh spend within 90 days of activation). Annual fee Rs 2,400, waived on Rs 3,00,000 usage in the previous 12 months. Add-on card also Rs 2,400 joining and annual. Replacement Rs 249.","welcome_benefit":"4,000 bonus RP on Rs 10,000 spend within 30 days of activation","reward_currency":"Union Rewardz Reward Points","base_earn":"4 RP per Rs 100 on eligible MCCs","base_return_pct":1.0,"accelerated_earn":"5X rewards in birthday month; 5X on monthly spend of Rs 20,000 or more","reward_caps":"10,000 RP per month per customer ID (excluding milestone points). Milestone points capped at 10,000 in total.","reward_exclusions":"Jewellery, fuel, cash withdrawal, bitcoin, wallet loading, alcohol/wine shops, insurance payments","point_value":"Not stated for this card in MITC or product page; other Union Rewardz cards state 1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct assumes the Rs 0.25 per point value the bank states on its other Union Rewardz cards (4 x 0.25 per Rs 100). The bank does not state point value for Unicorn.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year","lounge_international":"2 per year via Priority Pass","lounge_conditions":"Product page states 8 domestic and 2 international visits per year via Priority Pass plus RuPay-exclusive domestic lounge access. Guest access not stated.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":"2,000 bonus RP at each of Rs 1 lakh, 2 lakh, 3 lakh, 4 lakh and 5 lakh annual spend (max 10,000)","other_freebies":"MakeMyTrip 10% off flights up to Rs 1,500 (annual); 3 months Swiggy One; Aromas spa per quarter; Myntra Rs 250 and BigBasket Rs 250 vouchers per quarter; Nykaa Rs 500 per quarter; BookMyShow Rs 250 off per month; 12 months of one OTT (Amazon Prime/Hotstar/SonyLIV/Zee5); Rs 10 lakh personal accident cover (NPCI); overseas emergency cash concierge.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/union-unicorn-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 40% of card limit. Add-on card carries the full Rs 2,400 fee.","id":412,"depth":"full","slug":"union-bank-of-india-union-unicorn-rupay-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-unicorn-rupay-credit-card/"},{"issuer":"Union Bank of India","card_name":"NEXTERIA Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"super-premium","card_type":["rewards","travel","upi"],"status":"open","joining_fee":12499,"annual_fee":12499,"fee_waiver_spend":800000,"fee_notes":"Metal card on RuPay Ekaa. Joining fee Rs 12,499 (waived on Rs 3 lakh spend within 90 days of activation). Annual fee Rs 12,499, waived on Rs 8,00,000 usage in the previous 12 months. Add-on card also Rs 12,499. Replacement Rs 4,999.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"5 RP per Rs 125 on eligible MCCs","base_return_pct":1.0,"accelerated_earn":"10X points in birthday month on online shopping/electronics (max 10,000 RP); 5X on monthly spend of Rs 2,00,000 or more (max 10,000 RP)","reward_caps":"10,000 RP per month (excluding milestone points). Milestone points capped at 15,000.","reward_exclusions":"Jewellery, fuel, cash withdrawal, bitcoin, wallet loading, alcohol/wine shops, insurance payments","point_value":"Not stated for this card in MITC or product page; other Union Rewardz cards state 1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct assumes Rs 0.25 per point as on the bank's other cards (5 RP per Rs 125 = 4 RP per Rs 100 = 1.0%). Point value for Nexteria is not stated by the bank.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited for cardholder","lounge_international":"Unlimited for cardholder","lounge_conditions":"Family/guest: 2 family visits per quarter on a 1+3 basis (cardholder plus up to 3 guests) under a bank-curated NPCI programme. Proposed RuPay Delhi exclusive lounge only while it runs exclusively for RuPay.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":"10,000 bonus RP at Rs 10 lakh annual spend; 15,000 RP at Rs 12 lakh and above (max 15,000)","other_freebies":"ITC hotels 2+1 nights (not Fortune, blackout dates apply); 1+1 set-menu dining at ITC signature restaurants; 1+1 spa for ITC residents; Hotel Luxe Elite Plus membership; BOGO movie ticket up to Rs 500 once a month; 4 complimentary domestic golf rounds/lessons a year; 24x7 concierge; emergency cash up to USD 600 abroad; insurance: personal accident Rs 50 lakh, air accident Rs 1 crore, purchase protection Rs 2 lakh, baggage loss Rs 20,000, cyber cover Rs 2 lakh.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/nexteria-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 40% of card limit. Several RuPay-exclusive benefits are labelled 'proposed' and may change. Forex markup is 3% despite the premium positioning.","id":413,"depth":"full","slug":"union-bank-of-india-nexteria-credit-card","url":"https://m16s.in/cards/union-bank-of-india-nexteria-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union UNI-CARBON Credit Card","cobrand_partner":"HPCL","networks":["RuPay"],"segment":"entry","card_type":["fuel","cobrand","upi"],"status":"open","joining_fee":499,"annual_fee":550,"fee_waiver_spend":100000,"fee_notes":"Joining fee Rs 499 (add-on nil). Annual fee Rs 550 (add-on Rs 250), waived on Rs 1,00,000 usage in the previous 12 months. Replacement Rs 149. Aggregator cardinsider shows annual Rs 499, which conflicts with the bank MITC.","welcome_benefit":"Up to Rs 300 credited to the bill on fuel purchase of Rs 300+ at an HPCL outlet within 60 days of activation","reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100 on non-fuel spends","base_return_pct":0.5,"accelerated_earn":"4% cashback on fuel transactions of Rs 500+ at HPCL outlets; extra 1.5% as HP loyalty points in the HP Pay app wallet when paid via HP Pay","reward_caps":"HPCL fuel cashback capped at Rs 150 per billing cycle per card","reward_exclusions":"No points on cash withdrawals; fuel cashback only at HPCL outlets","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 on non-fuel. The 'up to 6.5% fuel saving' = 4% cashback + 1% surcharge waiver + 1.5% HP Pay points, with the 4% capped at Rs 150 per cycle (i.e. Rs 3,750 of fuel).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver on HPCL transactions of Rs 200 and above, capped at Rs 100 per billing cycle","milestone_benefits":"Bonus RP on annual spend: 500 at Rs 1.25 lakh, 600 at Rs 1.5 lakh, 700 at Rs 1.75 lakh, 800 at Rs 2 lakh; then 1,000 RP per additional Rs 50,000","other_freebies":"Accidental insurance Rs 10 lakh (NPCI-paid) plus Rs 10 lakh (cardholder-paid). UPI linking.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/union-uni-carbon-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards","https://cardinsider.com/union-bank/"],"source_quality":"primary","unverified_fields":["points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 40% of card limit. No lounge access mentioned.","id":414,"depth":"full","slug":"union-bank-of-india-union-uni-carbon-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-uni-carbon-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union JCB Wellness Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Joining fee Rs 999. Annual fee Rs 999, waived on Rs 1,00,000 usage in the previous 12 months. No add-on card. Replacement Rs 149.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100 on non-fuel spends","base_return_pct":0.5,"accelerated_earn":"4 RP per Rs 100 on dining, shopping, groceries, departmental stores and apparel","reward_caps":null,"reward_exclusions":"No points on cash withdrawals; fuel earns no points (base rate is on non-fuel spends)","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25; accelerated categories return 1.0%. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme. No spend condition stated by the bank.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":"1,000 RP at Rs 1.5 lakh annual spend; 1,500 at Rs 2 lakh; 2,000 at Rs 2.5 lakh","other_freebies":"Benefits the bank values at about Rs 22,000 a year: 60-minute spa session, one diagnostic test a year, 15/30-day gym trial once a year, one complimentary golf round a year. Accidental insurance Rs 10 lakh (NPCI) plus Rs 30 lakh (cardholder-paid).","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/union-jcb-wellness-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["networks","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Named 'JCB' but the bank page describes it as a RuPay credit card (RuPay-JCB global variant, UPI-linkable); network recorded as RuPay. Cash limit 40%.","id":415,"depth":"full","slug":"union-bank-of-india-union-jcb-wellness-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-jcb-wellness-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union JCB Health Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Joining fee Rs 499. Annual fee Rs 499, waived on Rs 50,000 usage in the previous 12 months. No add-on card. Replacement Rs 149.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on cash withdrawals. Other exclusions not stated.","point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme. No spend condition stated by the bank.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":"2,000 bonus RP for each Rs 50,000 spent beyond Rs 2 lakh in a year","other_freebies":"Benefits the bank values at Rs 31,750 a year: 2 doctor teleconsultations, 2 psychologist teleconsultations, 1 diagnostic package, 1 dietician and 1 fitness session, car wash, 2 roadside services, 1 home-appliance repair (labour only), device protection licence, dark-web monitoring; activated via eahomecare.in. Accidental insurance Rs 10 lakh (NPCI) plus Rs 10 lakh (cardholder-paid).","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":null,"source_product_page":"https://www.unionbankofindia.bank.in/en/Details/union-jcb-health-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["networks","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Named 'JCB' but the bank page describes it as a RuPay credit card; network recorded as RuPay. Page mentions golf in the description but lists none in the benefits table. Cash limit 30%.","id":416,"depth":"full","slug":"union-bank-of-india-union-jcb-health-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-jcb-health-credit-card/"},{"issuer":"Union Bank of India","card_name":"DIVAA ICON Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["shopping","rewards"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":100000,"fee_notes":"Women only (RuPay Platinum). Joining fee nil. Annual fee Rs 1,499 (add-on Rs 1,499). Waiver threshold is Rs 1,00,000 in the MITC PDF (v1.4) but Rs 2,00,000 on the bank's unioncards MITC web page; confirm before relying on it. Replacement Rs 499.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"Earn rate taken from cardinsider; the bank product page text read did not show the reward structure tab. base_return_pct = 2 x 0.25 per Rs 100.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"Listed as 'Travel Lounge Access' on the product page. Guest rules not stated.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Lakme Salon Rs 1,500 e-gift card quarterly; BookMyShow Rs 250 off on 2 tickets quarterly; MakeMyTrip flat Rs 1,500 off flights annually; Healthians flat Rs 1,000 annually; Cult.fit 3-month live subscription annually; Swiggy One 3 months annually; BigBasket Rs 250, Flipkart Rs 250, Nykaa Rs 500, Jockey Rs 250 quarterly; Myntra Rs 250 twice a quarter; cyber insurance Rs 2 lakh and cancer insurance for women; accident cover Rs 2 lakh (NPCI) plus Rs 10 lakh (cardholder-paid).","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":"Female applicants only","source_product_page":"https://www.unionbankofindia.bank.in/en/Details/divaa-icon-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards","https://cardinsider.com/union-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","fee_waiver_spend","points_expiry"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 30%. The two bank documents disagree on the fee-waiver spend (Rs 1 lakh vs Rs 2 lakh).","id":417,"depth":"full","slug":"union-bank-of-india-divaa-icon-credit-card","url":"https://m16s.in/cards/union-bank-of-india-divaa-icon-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union Divaa RuPay Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["shopping","rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":30000,"fee_notes":"Aggregator figures only: joining nil, annual Rs 499, waived on Rs 30,000 spend.","welcome_benefit":null,"reward_currency":"Union Rewardz Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25","points_expiry":null,"reward_notes":"All figures from cardinsider. base_return_pct = 2 x 0.25 per Rs 100.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year","lounge_international":"2 per year","lounge_conditions":"Per stablemoney: 8 complimentary domestic and 2 international visits.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Per stablemoney: shopping vouchers up to Rs 1,500 (Flipkart, Nykaa, Myntra, Lakme Salon, BookMyShow, BigBasket), quarterly women's health package, Rs 10 lakh accident cover.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":"Women","source_product_page":null,"source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://cardinsider.com/union-bank/","https://stablemoney.in/credit-card/union-bank-of-india-credit-cards","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"aggregator","unverified_fields":["status","joining_fee","annual_fee","fee_waiver_spend","base_earn","base_return_pct","point_value","lounge_domestic","lounge_international","other_freebies","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","forex_markup_pct","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The original Divaa card is still described by aggregators but does not appear in the bank's current credit card listing page or in the MITC v1.4 fee table, which carry only DIVAA ICON. Marked closed-to-new on that inference; not confirmed by the bank.","id":418,"depth":"full","slug":"union-bank-of-india-union-divaa-rupay-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-divaa-rupay-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union Sparsh Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fees not shown on the product page and the card is not a separate row in the MITC fee table.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accessible card for visually impaired customers: tactile notch, 'UBI' embossed in Braille, optional photo.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date","eligibility":"Visually impaired customers","source_product_page":"https://www.unionbankofindia.bank.in/en/Details/union-sparsh-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["joining_fee","annual_fee","base_earn","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","forex_markup_pct","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Design variant on RuPay for visually impaired customers. The bank page read gave no fee or reward detail; general MITC charges (3% p.m. interest, late fee slabs, 3% forex) are assumed to apply but are not confirmed for this variant.","id":419,"depth":"fees-only","slug":"union-bank-of-india-union-sparsh-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-sparsh-credit-card/"},{"issuer":"Union Bank of India","card_name":"PM SVANidhi Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: no joining, activation, inactivity or renewal fee.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"MITC says reward points are not applicable to PM SVANidhi cards; the product page says rewards are 'per the Bank's policy' with no rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":"Nil if dues up to Rs 500; otherwise Rs 200 (dues up to Rs 25,000) or Rs 500 (above)","cash_advance_fee":"Cash withdrawal not allowed","eligibility":"PM SVANidhi street-vendor beneficiaries. Limit Rs 10,000 initially, rising to Rs 30,000 after satisfactory usage.","source_product_page":"https://www.unionbankofindia.bank.in/en/Details/pm-svanidhi-credit-card","source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Government-scheme card. No international or forex transactions; no cash at ATM or POS; MCC blocks on liquor, gambling, foreign airlines, car rental, international hotel chains. Valid five years. EMI conversion for billed amount of Rs 2,500+ at up to 1.5% per month. Statement on the 1st, due on the 21st. Revolving interest rate for this card is not stated clearly in the MITC.","id":420,"depth":"fees-only","slug":"union-bank-of-india-pm-svanidhi-credit-card","url":"https://m16s.in/cards/union-bank-of-india-pm-svanidhi-credit-card/"},{"issuer":"Union Bank of India","card_name":"Union MSME Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["business","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. No add-on card. Replacement Rs 249.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":"Accidental insurance Rs 10 lakh (NPCI-paid) plus Rs 30 lakh (cardholder-paid).","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"Cash withdrawal not allowed","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["networks","base_earn","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Business card for MSME borrowers; documented only from the MITC fee table. Network inferred from the NPCI insurance row in the MITC. Temporary limit enhancement not available.","id":421,"depth":"fees-only","slug":"union-bank-of-india-union-msme-credit-card","url":"https://m16s.in/cards/union-bank-of-india-union-msme-credit-card/"},{"issuer":"Union Bank of India","card_name":"VISA Business Platinum Corporate Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business"],"status":"open","joining_fee":1500,"annual_fee":2000,"fee_waiver_spend":null,"fee_notes":"Joining fee Rs 1,500; annual fee Rs 2,000. No add-on card. No waiver threshold listed.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"Cash withdrawal not allowed","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["base_earn","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Corporate card; documented only from the MITC fee table. No accident insurance cover.","id":422,"depth":"fees-only","slug":"union-bank-of-india-visa-business-platinum-corporate-credit-card","url":"https://m16s.in/cards/union-bank-of-india-visa-business-platinum-corporate-credit-card/"},{"issuer":"Union Bank of India","card_name":"Micro Enterprise Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining fee for the first 10 lakh customers. From year 2 the annual fee is the lower of 1% of card limit or Rs 1,000. CGTMSE guarantee fee charged to the customer (amount not stated). Replacement Rs 149.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Reward points not applicable.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% waiver, capped at Rs 100 per month/billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.5,"late_payment_fee":"Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000","cash_advance_fee":"Cash withdrawal not allowed","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf","source_other":["https://unioncards.unionbankofindia.bank.in/access/mitc!go.action","https://www.unionbankofindia.bank.in/en/listing/credit-cards"],"source_quality":"primary","unverified_fields":["networks","annual_fee","eligibility","forex_markup_pct"],"date_read":"2026-10-11","notes":"Government-linked micro-enterprise card documented from the MITC only. Interest 1.5% p.m. (18% p.a.); EMI 18% p.a. Blocked categories include cash, jewellery/gold, gambling, liquor, hotels, OTT, quick-commerce and food delivery, investments, wallet loads, education, pharmacies, motor vehicles. Standard RuPay Platinum charges apply where not separately defined. annual_fee is recorded as 0 for year 1; later years carry the 1%-of-limit / Rs 1,000 fee.","id":423,"depth":"fees-only","slug":"union-bank-of-india-micro-enterprise-credit-card","url":"https://m16s.in/cards/union-bank-of-india-micro-enterprise-credit-card/"},{"issuer":"Bank of India","card_name":"RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":800,"fee_waiver_spend":null,"fee_notes":"Issuance nil. Annual maintenance charge Rs 800 (add-on Rs 600). Replacement Rs 500. No spend-based waiver stated.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 'card-wise bonus' on RuPay Select; 3 points per Rs 100 in preferred category (stacking not explained)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year (2 per quarter)","lounge_international":"2 per calendar year","lounge_conditions":"RuPay lounge programme; subject to change at RuPay's discretion.","forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Annual Amazon Prime membership; 3 months Swiggy One a year; BigBasket Rs 200 voucher a month; BookMyShow Rs 250 off on 2+ tickets a month; annual health check-up package; 24x7 concierge; Rs 10 lakh personal accident / permanent disability cover (RuPay). Each portal booking needs a Re 1 transaction on the card.","interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Active BOI savings account, age 21+, regular income with proof, good credit history; resident or NRI","source_product_page":"https://bankofindia.bank.in/credit-card/rupay-select","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://bankofindia.bank.in/documents/20121/27694131/Rupay_Select.pdf","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/boi-rupay-select-credit-card/","https://www.paisabazaar.com/bank-of-india/rupay-select-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Billing cycle 16th to 15th, due by the 5th. Up to 51 days interest-free. Over-limit 2% of excess, min Rs 250 (bankbazaar).","id":424,"depth":"full","slug":"bank-of-india-rupay-select-credit-card","url":"https://m16s.in/cards/bank-of-india-rupay-select-credit-card/"},{"issuer":"Bank of India","card_name":"RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuance nil. No annual maintenance charge on the principal card; add-on Rs 200 a year. Replacement Rs 300.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 in the 'preferred category' (categories not defined on the page read)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"RuPay merchant offers; 24x7 concierge; Rs 2 lakh personal accident / permanent disability cover (RuPay).","interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Age 21+, regular income with proof, good credit history; resident or NRI","source_product_page":"https://bankofindia.bank.in/credit-card/rupay-platinum-credit-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). No lounge access mentioned. Due by the 5th of the following month; up to 51 days interest-free.","id":425,"depth":"full","slug":"bank-of-india-rupay-platinum-credit-card","url":"https://m16s.in/cards/bank-of-india-rupay-platinum-credit-card/"},{"issuer":"Bank of India","card_name":"SwaDhan RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["secured","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuance, annual maintenance (principal and add-on) and replacement all nil.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 in the 'preferred category' (categories not defined on the page read)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Issued only against a Term Deposit Receipt with the bank; active savings account; individuals (staff or non-staff), companies and partnership firms. Minimum deposit and limit-to-deposit ratio not stated on the page.","source_product_page":"https://bankofindia.bank.in/credit-card/swadhan-rupay-platinum-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Secured card. Billing cycle 16th to 15th, due by the 5th. EMI at Worldline POS terminals. No lounge or insurance stated on the page.","id":426,"depth":"full","slug":"bank-of-india-swadhan-rupay-platinum-credit-card","url":"https://m16s.in/cards/bank-of-india-swadhan-rupay-platinum-credit-card/"},{"issuer":"Bank of India","card_name":"Visa Gold International Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":300,"fee_waiver_spend":null,"fee_notes":"Aggregator figures (bankbazaar, paisabazaar, cardinsider): issuance nil, annual Rs 300, add-on Rs 300. Bank product page could not be opened.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 in the 'preferred category' (categories not defined on the page read)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":null,"source_product_page":"https://bankofindia.bank.in/credit-card/visa-gold-international-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/","https://www.paisabazaar.com/bank-of-india/credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver","annual_fee","joining_fee"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Product page URL exists but returned an error on fetch. ATM cash up to Rs 15,000 a day. EMI at Worldline POS terminals.","id":427,"depth":"full","slug":"bank-of-india-visa-gold-international-credit-card","url":"https://m16s.in/cards/bank-of-india-visa-gold-international-credit-card/"},{"issuer":"Bank of India","card_name":"Visa Platinum International Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Issuance nil. Annual maintenance charge Rs 500 (add-on Rs 300). Replacement Rs 300.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 'card-wise bonus' on VISA Platinum; 3 points per Rs 100 in preferred category (stacking not explained)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Visa 'Dine and Save' up to 20% off at selected restaurants; Visa concierge. The page says concierge, dining and 2X points offers apply only to cards issued 1 Sep 2024 to 28 Feb 2025. Visa benefits portal with airport, Swiggy and Amazon vouchers (quota-based).","interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Active BOI savings account, age 21+, regular income with proof, good credit history; resident or NRI","source_product_page":"https://bankofindia.bank.in/credit-card/visa-platinum-international-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Due 21 days from billing date; up to 51 days interest-free. No lounge or insurance stated. Several listed benefits are limited to cards issued in a past window.","id":428,"depth":"full","slug":"bank-of-india-visa-platinum-international-credit-card","url":"https://m16s.in/cards/bank-of-india-visa-platinum-international-credit-card/"},{"issuer":"Bank of India","card_name":"Master Platinum International Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":800,"fee_waiver_spend":null,"fee_notes":"Issuance nil. Annual maintenance charge Rs 800 (add-on Rs 600). Replacement Rs 500.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 in the 'preferred category' (categories not defined on the page read)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Active BOI savings account, age 21+, regular income with proof, good credit history; resident or NRI","source_product_page":"https://bankofindia.bank.in/credit-card/master-platinum-international-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://cardinsider.com/bank-of-india/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Billing cycle 16th to 15th, due by the 5th. No lounge or insurance stated on the page. EMI at Worldline POS terminals.","id":429,"depth":"full","slug":"bank-of-india-master-platinum-international-credit-card","url":"https://m16s.in/cards/bank-of-india-master-platinum-international-credit-card/"},{"issuer":"Bank of India","card_name":"RuPay Star Lakshmi Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","shopping","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Issuance nil. Annual maintenance charge Rs 500 (add-on Rs 500). Replacement Rs 500. No waiver stated.","welcome_benefit":"100 bonus points for two POS/e-com transactions of Rs 3,000 each within 30 days of issue; 1,000 'Star Credit Bonus' points on spend above Rs 50,000 within 3 months of issue","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"3 points per Rs 100 in the 'preferred category' (categories not defined on the page read)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"RuPay lounge programme; subject to change at RuPay's discretion.","forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Annual subscription to Sony LIV, Amazon Prime or Hotstar; O2 Spa service up to Rs 2,000 once a quarter; Lakme Salon e-gift card Rs 1,500 once a quarter; Myntra and Flipkart vouchers Rs 250 a quarter; Nykaa Rs 500 a quarter; annual women's health check-up (Pap smear, blood test, mammography); 24x7 concierge; Rs 2 lakh personal accident cover (RuPay).","interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Women only, age 21+, regular income with proof, good credit history; resident or NRI","source_product_page":"https://bankofindia.bank.in/credit-card/rupay-star-lakshmi","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://bankofindia.bank.in/documents/20121/27674722/BOI%20Rupay%20Star%20Lakshmi%20Credit%20Card.pdf","https://www.bankbazaar.com/bank-of-india-credit-card.html"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). Women's card on RuPay Platinum. Due 21 days from billing date. The quarterly vouchers alone exceed the Rs 500 fee if actually redeemed.","id":430,"depth":"full","slug":"bank-of-india-rupay-star-lakshmi-credit-card","url":"https://m16s.in/cards/bank-of-india-rupay-star-lakshmi-credit-card/"},{"issuer":"Bank of India","card_name":"Celestia Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":11999,"annual_fee":11999,"fee_waiver_spend":800000,"fee_notes":"Aggregator figures: joining Rs 11,999, annual Rs 11,999, add-on Rs 11,999 (bankbazaar; a cardinsider FAQ says Rs 5,000). Joining fee waived on Rs 2.5 lakh spend within 90 days; annual fee waived on Rs 8 lakh yearly spend. A January 2026 pre-launch article quoted Rs 5,000 fees, so figures have moved.","welcome_benefit":"E-vouchers worth Rs 10,000 (cardinsider; its FAQ says Rs 5,000)","reward_currency":"Star Rewards points","base_earn":"2 points per Rs 100 (standard category), on transactions of Rs 100 and above","base_return_pct":0.5,"accelerated_earn":"5X loyalty points on dining, airline bookings and fuel (aggregator)","reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"4 per year","lounge_conditions":"Aggregator (cardinsider); also lists RuPay Delhi exclusive lounge access. Not confirmed from the bank page.","forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Per aggregators: 4 domestic golf rounds/lessons a year; ITC hotels 2+1 nights, 1+1 dining and spa; HoteLux membership; BOGO movie tickets monthly; annual health check-up; concierge; insurance: personal accident Rs 50 lakh, air accident Rs 1 crore, purchase protection Rs 2 lakh, baggage loss Rs 20,000.","interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":"Gross annual income of Rs 15 lakh (aggregator)","source_product_page":"https://bankofindia.bank.in/celestia-credit-card","source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://cardinsider.com/bank-of-india/boi-celestia-credit-card/","https://cardinsider.com/blog/bank-of-india-set-launch-new-boi-celestia-rupay-ekaa-credit-card/","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://bankofindia.bank.in/credit-card"],"source_quality":"aggregator","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver","joining_fee","annual_fee","fee_waiver_spend","welcome_benefit","accelerated_earn","lounge_domestic","lounge_international","other_freebies","eligibility","base_earn"],"date_read":"2026-10-11","notes":"RuPay Ekaa metal card. The bank's own Celestia page exists but returned an error on fetch, so every figure here is from aggregators, which disagree with each other on welcome voucher value and add-on fee. The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). ","id":431,"depth":"full","slug":"bank-of-india-celestia-credit-card","url":"https://m16s.in/cards/bank-of-india-celestia-credit-card/"},{"issuer":"Bank of India","card_name":"RuPay Bharat Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":400,"fee_waiver_spend":null,"fee_notes":"Aggregator (bankbazaar): joining nil, annual Rs 400, add-on Rs 300.","welcome_benefit":null,"reward_currency":"Star Rewards points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap","reward_exclusions":"UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.","point_value":"Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://bankofindia.bank.in/star-rewards","source_other":["https://bankofindia.bank.in/credit-card","https://www.bankbazaar.com/bank-of-india-credit-card.html","https://www.paisabazaar.com/bank-of-india/credit-card/"],"source_quality":"aggregator","unverified_fields":["point_value","base_return_pct","interest_rate_monthly_pct","late_payment_fee","forex_markup_pct","points_expiry","fuel_surcharge_waiver","annual_fee","joining_fee","status","base_earn"],"date_read":"2026-10-11","notes":"Named in the card menu of the bank's credit card hub page; its own product page could not be opened. Paisabazaar's FAQ says RuPay Bharat has lounge access, with no detail. Due by the 5th of the following month, up to 51 days interest-free (bankbazaar). The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). ","id":432,"depth":"fees-only","slug":"bank-of-india-rupay-bharat-credit-card","url":"https://m16s.in/cards/bank-of-india-rupay-bharat-credit-card/"},{"issuer":"Bank of India","card_name":"India Card / India Gold / International / International Gold / Platinum Privilege (legacy range)","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Fee amounts not stated on the page.","welcome_benefit":null,"reward_currency":"Star Rewards points","base_earn":"1 point per Rs 100 spent each month (legacy scheme)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"Re 1 per point when applied to the renewal fee; Rs 0.50 per point for remaining points credited to the card account","points_expiry":null,"reward_notes":"Legacy scheme described in the English text of the bank's hub page; the current product pages use the Star Rewards scheme instead.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.7,"late_payment_fee":null,"cash_advance_fee":"Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas.","eligibility":null,"source_product_page":"https://bankofindia.bank.in/credit-card","source_mitc_or_tnc":null,"source_other":["https://www.paisabazaar.com/bank-of-india/credit-card/"],"source_quality":"mixed","unverified_fields":["status","networks","interest_rate_monthly_pct","joining_fee","annual_fee"],"date_read":"2026-10-11","notes":"Older BOI range still described in the body text of the bank's hub page but absent from the current card menu. Marked closed-to-new on that inference; not confirmed by the bank. Page states 1.70% p.m. on revolved balance (10% minimum payment), 2.5% p.m. when fully overdue, max 51 days interest-free, balance transfer up to 75% of limit, up to 2 add-on cards.","id":433,"depth":"partial","slug":"bank-of-india-india-card-india-gold-international-international-gold-platinum-privilege-legacy-range","url":"https://m16s.in/cards/bank-of-india-india-card-india-gold-international-international-gold-platinum-privilege-legacy-range/"},{"issuer":"Indian Bank","card_name":"IB VISA Bharat Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining fee and no annual maintenance charge.","welcome_benefit":null,"reward_currency":null,"base_earn":"None (no reward points)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.79,"late_payment_fee":"Rs 50 (applies when account is past due more than 3 days)","cash_advance_fee":"Rs 25 per MITC schedule; cash interest 1.99% p.m. from withdrawal date","eligibility":"Credit limit band Rs 10,000 to Rs 19,999","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 21.48% (effective 23.73%). Minimum due 10% of billed amount. Cash limit 25% of credit limit. No EMI facility, no add-on cards. Daily caps: ATM Rs 8,000, POS/e-com Rs 12,000. MITC shows forex markup as not applicable to Bharat/Classic, which suggests domestic-only use.","id":434,"depth":"partial","slug":"indian-ib-visa-bharat-credit-card","url":"https://m16s.in/cards/indian-ib-visa-bharat-credit-card/"},{"issuer":"Indian Bank","card_name":"IB VISA Gold Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Year 1 free; Rs 250 a year from year 2, waived if prior-year spend exceeds Rs 50,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Features sheet reads '1 point (Re. 1) per Rs 100 spent'; the wording is ambiguous on whether a point is worth Re 1. base_return_pct left null because the redemption value could not be confirmed (rewards PDF unreadable).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":"Visa insurance cover per MITC table. Up to 4 add-on cards.","interest_rate_monthly_pct":1.99,"late_payment_fee":"Rs 250 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 2.25% p.m. from withdrawal date","eligibility":"Credit limit band Rs 20,000 to Rs 99,999","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","reward_exclusions"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 23.88% (effective 26.68%). Minimum due 5%. Cash limit 40%. Daily caps: ATM Rs 25,000, POS/e-com Rs 75,000.","id":435,"depth":"partial","slug":"indian-ib-visa-gold-credit-card","url":"https://m16s.in/cards/indian-ib-visa-gold-credit-card/"},{"issuer":"Indian Bank","card_name":"IB VISA Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Year 1 free; Rs 250 a year from year 2, waived if prior-year spend exceeds Rs 50,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Features sheet reads '1 point (Re. 1) per Rs 100 spent'; the wording is ambiguous on whether a point is worth Re 1. base_return_pct left null because the redemption value could not be confirmed (rewards PDF unreadable).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":"Listing page mentions golf, dining and shopping privileges (Visa Platinum). Visa insurance cover per MITC table. Up to 4 add-on cards.","interest_rate_monthly_pct":1.66,"late_payment_fee":"Rs 250 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 2.25% p.m. from withdrawal date","eligibility":"Credit limit Rs 1,00,000 and above","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","reward_exclusions"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 19.92% (effective 21.84%), one of the lowest revolving rates in the market. Minimum due 5%. Cash limit 40%. Daily caps: ATM Rs 50,000, POS/e-com Rs 1,50,000. No lounge access listed for the Visa variant.","id":436,"depth":"partial","slug":"indian-ib-visa-platinum-credit-card","url":"https://m16s.in/cards/indian-ib-visa-platinum-credit-card/"},{"issuer":"Indian Bank","card_name":"IB VISA Business Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":200000,"fee_notes":"No joining fee. Year 1 free; Rs 500 a year from year 2, waived if prior-year spend exceeds Rs 2,00,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 200","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Features sheet reads '1 point (Re. 1) per Rs 100 spent'; the wording is ambiguous on whether a point is worth Re 1. base_return_pct left null because the redemption value could not be confirmed (rewards PDF unreadable).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.99,"late_payment_fee":"Rs 250 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 2.25% p.m.","eligibility":"Corporate / business entities; limit as requested","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","reward_exclusions","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Interest 1.99% p.m. is from the bank's features sheet; the MITC APR table does not list the Business card. No EMI facility. Daily caps: ATM Rs 50,000, POS/e-com Rs 3,00,000.","id":437,"depth":"partial","slug":"indian-ib-visa-business-credit-card","url":"https://m16s.in/cards/indian-ib-visa-business-credit-card/"},{"issuer":"Indian Bank","card_name":"IB RuPay Classic Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Year 1 free; Rs 250 a year from year 2, waived if prior-year spend exceeds Rs 50,000.","welcome_benefit":null,"reward_currency":null,"base_earn":"None (no reward points)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":1.99,"late_payment_fee":"Rs 50 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 1.99% p.m. per the schedule (APR table shows 2.25%)","eligibility":"Credit limit band Rs 10,000 to Rs 25,000","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["forex_markup_pct","card_type"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 23.88%. Cash limit 25%. No lounge access. Up to 4 add-on cards; EMI available. MITC shows forex markup as not applicable to Bharat/Classic. Reissue fee Rs 100.","id":438,"depth":"partial","slug":"indian-ib-rupay-classic-credit-card","url":"https://m16s.in/cards/indian-ib-rupay-classic-credit-card/"},{"issuer":"Indian Bank","card_name":"IB RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Year 1 free; Rs 250 a year from year 2, waived if prior-year spend exceeds Rs 50,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Features sheet reads '1 point (Re. 1) per Rs 100 spent'; the wording is ambiguous on whether a point is worth Re 1. base_return_pct left null because the redemption value could not be confirmed (rewards PDF unreadable).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Yes, count not stated by the bank","lounge_international":null,"lounge_conditions":"Features sheet lists airport lounge access for RuPay Platinum without a visit count; governed by the RuPay lounge programme.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":"RuPay personal accident and permanent disability cover up to Rs 2,00,000. Up to 4 add-on cards.","interest_rate_monthly_pct":1.66,"late_payment_fee":"Rs 250 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 2.25% p.m. from withdrawal date","eligibility":"Credit limit band Rs 25,001 to Rs 1,99,000","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","reward_exclusions","lounge_domestic","card_type"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 19.92% (effective 21.84%). Minimum due 5%. Cash limit 40%.","id":439,"depth":"partial","slug":"indian-ib-rupay-platinum-credit-card","url":"https://m16s.in/cards/indian-ib-rupay-platinum-credit-card/"},{"issuer":"Indian Bank","card_name":"IB RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Year 1 free; Rs 250 a year from year 2, waived if prior-year spend exceeds Rs 50,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Features sheet reads '1 point (Re. 1) per Rs 100 spent'; the wording is ambiguous on whether a point is worth Re 1. base_return_pct left null because the redemption value could not be confirmed (rewards PDF unreadable).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Yes, count not stated by the bank","lounge_international":null,"lounge_conditions":"Features sheet lists airport lounge access for RuPay Select without a visit count; governed by the RuPay lounge programme.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":"RuPay personal accident and permanent disability cover up to Rs 10,00,000. Up to 4 add-on cards.","interest_rate_monthly_pct":1.66,"late_payment_fee":"Rs 250 (past due more than 3 days)","cash_advance_fee":"Rs 50 per MITC schedule; cash interest 2.25% p.m. from withdrawal date","eligibility":"Credit limit Rs 2,00,000 and above","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","points_expiry","reward_exclusions","lounge_domestic","lounge_international","card_type"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Purchase APR 19.92% (effective 21.84%). Minimum due 5%. Cash limit 40%. At Rs 250 a year this is among the cheapest RuPay Select cards, but the bank does not publish lounge counts.","id":440,"depth":"partial","slug":"indian-ib-rupay-select-credit-card","url":"https://m16s.in/cards/indian-ib-rupay-select-credit-card/"},{"issuer":"Indian Bank","card_name":"IB Secured Credit Card (VISA / RuPay, against term deposit)","cobrand_partner":null,"networks":["Visa","RuPay"],"segment":"entry","card_type":["secured"],"status":"open","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual charge follows the underlying variant (the variant issued depends on the card limit); the MITC AMC table does not give a separate figure for VISA Secure / RuPay Secure.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"No waiver stated. MITC lists a petrol-pump surcharge of 2.5% of the transaction or Rs 10, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Issued against lien on a term deposit. Limit is a minimum of Rs 25,000 or 90% of the deposit face value, or a lower limit the customer requests.","source_product_page":"https://indianbank.bank.in/en/credit-cards","source_mitc_or_tnc":"https://indianbank.bank.in/documents/d/guest/mitc-final-with-effective-apr","source_other":["https://indianbank.bank.in/documents/d/guest/CREDIT-CARD-FEATURES-AND-BENEFITS-6"],"source_quality":"primary","unverified_fields":["annual_fee","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","forex_markup_pct","base_earn"],"date_read":"2026-10-11","notes":"No joining fee on primary or add-on cards. Statement on the 20th, payment due 15 days later; interest-free period 15 to 45 days, lost if the previous statement is not paid in full. Railway ticket surcharge 1.8% or Rs 10, whichever is higher. EMI conversion fee 2% (min Rs 199, max Rs 1,000), EMI interest 18% p.a., foreclosure 3% of pending principal. The bank's reward-programme PDF is an image scan and could not be read, so point value, expiry and exclusions are unverified. Online and international use is off by default and must be enabled. Named 'VISA Secure' and 'RuPay Secure' in the MITC. Rewards, interest and charges follow the variant matched to the limit (Gold/Platinum/Select etc.); not separately stated.","id":441,"depth":"fees-only","slug":"indian-ib-secured-credit-card-visa-rupay-against-term-deposit","url":"https://m16s.in/cards/indian-ib-secured-credit-card-visa-rupay-against-term-deposit/"},{"issuer":"Indian Bank","card_name":"Indian Bank One Co-branded Credit Card (OneCard)","cobrand_partner":"OneCard (Oneconsumer Services / FPL Technologies)","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Paisabazaar: joining and annual fee nil. The MITC's schedule of charges is an image and could not be read. MITC text: Rs 3,000 charge if membership is cancelled within 6 months of activating the virtual card.","welcome_benefit":null,"reward_currency":"OneCard Reward Points","base_earn":"1 reward point per Rs 50 (paisabazaar)","base_return_pct":null,"accelerated_earn":"5X points on the top two spend categories each month (paisabazaar)","reward_caps":null,"reward_exclusions":"Fuel earns no points; transactions on the RuPay virtual 'floater' card are not eligible for rewards (MITC)","point_value":"Not stated in sources read","points_expiry":null,"reward_notes":"No return computed: point value not stated in the MITC text or by paisabazaar.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"Lower of 1% or actual surcharge, capped at Rs 400 per calendar month per account (MITC)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"MITC text: Rs 500 when total amount due is Rs 1,001-5,000 (other slabs in an unreadable image). Paisabazaar (Sep 2025) lists nil up to Rs 99, Rs 100, Rs 250, Rs 750, Rs 1,000 and Rs 1,200 slabs, which conflicts.","cash_advance_fee":null,"eligibility":"Resident Indian aged over 18; approval at the bank's discretion","source_product_page":null,"source_mitc_or_tnc":"https://www.getonecard.app/legal/indian_bank_mitc/","source_other":["https://www.paisabazaar.com/indian-bank/onecard-credit-card/","https://www.indianbank.in/wp-content/uploads/2024/01/Clean-Indian-Bank-One-Credit-Card-MITC-Dec-2025-English.pdf"],"source_quality":"mixed","unverified_fields":["joining_fee","annual_fee","base_earn","accelerated_earn","forex_markup_pct","late_payment_fee","point_value","status"],"date_read":"2026-10-11","notes":"App-based metal card run by OneCard on Indian Bank's licence; not shown on Indian Bank's own credit card listing page. MITC read from OneCard's site (the copy on indianbank.in was rejected by the bank's firewall). Interest 3.75% p.m. (45% p.a.) per MITC, against 3.49% quoted by paisabazaar. Over-limit fee 2.5% or Rs 500, whichever is higher. Interest-free period 18-48 days. Minimum due 5% or Rs 100. The MITC page header reads 'Issued by South Indian Bank Ltd.' while the body names Indian Bank, an error in the partner's document.","id":442,"depth":"full","slug":"indian-bank-one-co-branded-credit-card-onecard","url":"https://m16s.in/cards/indian-bank-one-co-branded-credit-card-onecard/"},{"issuer":"Indian Overseas Bank","card_name":"IOB VISA Classic Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and supplementary card fees nil per MITC. Paisabazaar mentions Rs 100 for a photo card.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Bankbazaar states Rs 0.20 back per Rs 100 spent","base_return_pct":0.2,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct taken directly from bankbazaar's 'Rs 0.20 per Rs 100'; not stated in the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"Per aggregators: air crash cover Rs 4 lakh (self) / Rs 2 lakh (spouse); road/rail Rs 2 lakh / Rs 1 lakh; baggage and purchase protection Rs 25,000 each.","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 10,000 to Rs 50,000; salaried min Rs 15,000 a month or self-employed Rs 3 lakh a year","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iobMost_Important_Terms_and_Conditions_Credit_Card","source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://www.paisabazaar.com/indian-overseas-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","other_freebies","eligibility"],"date_read":"2026-10-11","notes":"MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":443,"depth":"partial","slug":"indian-overseas-iob-visa-classic-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-visa-classic-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB VISA Gold Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and supplementary card fees nil per MITC. Paisabazaar mentions Rs 100 for a photo card.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"Bankbazaar states Rs 0.20 back per Rs 100 spent","base_return_pct":0.2,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct taken directly from bankbazaar's 'Rs 0.20 per Rs 100'; not stated in the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"Per aggregators: air crash cover Rs 10 lakh (self) / Rs 2 lakh (spouse); road/rail Rs 2 lakh / Rs 1 lakh; baggage and purchase protection Rs 25,000 each.","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 60,000 to Rs 5 lakh","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iobMost_Important_Terms_and_Conditions_Credit_Card","source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://www.paisabazaar.com/indian-overseas-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","other_freebies","eligibility"],"date_read":"2026-10-11","notes":"MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":444,"depth":"partial","slug":"indian-overseas-iob-visa-gold-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-visa-gold-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB RuPay Classic Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["lifetime-free","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and supplementary card fees nil per MITC.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 150","base_return_pct":0.17,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25; minimum 500 points to redeem (aggregators)","points_expiry":null,"reward_notes":"base_return_pct = (1/150) x Rs 0.25 = 0.17%. Earn rate and value from cardinsider/bankbazaar, not the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 10,000 to Rs 50,000 (public), up to Rs 59,000 (staff)","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iobMost_Important_Terms_and_Conditions_Credit_Card","source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://cardinsider.com/blog/credit-cards-indian-overseas-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","eligibility","card_type"],"date_read":"2026-10-11","notes":"MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. No NPCI personal accident cover on Classic (bankbazaar).","id":445,"depth":"partial","slug":"indian-overseas-iob-rupay-classic-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-rupay-classic-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":250,"fee_waiver_spend":100000,"fee_notes":"Joining nil. Annual fee Rs 250 + GST, reversed on minimum annual spend of Rs 1,00,000. Supplementary cards free. (MITC)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25; minimum 750 points to redeem (cardinsider)","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25. Earn rate and value from aggregators, not the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"1 per year","lounge_conditions":"Aggregator figures (bankbazaar, cardinsider); RuPay lounge programme.","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"RuPay personal accident cover Rs 2 lakh (cardinsider; bankbazaar shows Rs 10 lakh in one place).","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit from Rs 60,000 up to Rs 2 lakh","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iobMost_Important_Terms_and_Conditions_Credit_Card","source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://cardinsider.com/blog/credit-cards-indian-overseas-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","lounge_domestic","lounge_international","other_freebies","eligibility","card_type"],"date_read":"2026-10-11","notes":"MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":446,"depth":"full","slug":"indian-overseas-iob-rupay-platinum-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-rupay-platinum-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Joining nil. Annual fee Rs 500 + GST, reversed on minimum annual spend of Rs 1,00,000. Supplementary cards free. (MITC)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25; minimum 1,000 points to redeem (cardinsider)","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25. Earn rate and value from aggregators, not the MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year (bankbazaar); cardinsider says 1 per quarter","lounge_conditions":"Aggregator figures, which disagree on the international count; RuPay lounge programme.","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"RuPay personal accident cover Rs 10 lakh (aggregators).","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 2 lakh to Rs 5 lakh","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iobMost_Important_Terms_and_Conditions_Credit_Card","source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://cardinsider.com/blog/credit-cards-indian-overseas-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","point_value","lounge_domestic","lounge_international","other_freebies","eligibility","card_type"],"date_read":"2026-10-11","notes":"MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":447,"depth":"full","slug":"indian-overseas-iob-rupay-select-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-rupay-select-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB VISA Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback","rewards"],"status":"open","joining_fee":null,"annual_fee":250,"fee_waiver_spend":60000,"fee_notes":"Aggregators: annual maintenance charge Rs 250 + taxes, waived if annual spend exceeds Rs 60,000. Not listed in the MITC fee table read.","welcome_benefit":null,"reward_currency":"Nth Rewards","base_earn":"1% flat cashback on selected transactions via Nth Rewards (cardinsider)","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Which transactions qualify for the 1% is not stated, so no base return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"Per aggregators: 8% off Hotels.com, discounts on Coursera/edX/Udemy, airport transfers and car rentals; personal accident cover up to Rs 10 lakh.","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 51,000 to Rs 2.7 lakh","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":null,"source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://cardinsider.com/blog/credit-cards-indian-overseas-bank/"],"source_quality":"aggregator","unverified_fields":["status","annual_fee","fee_waiver_spend","base_earn","other_freebies","eligibility","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","forex_markup_pct","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Described by bankbazaar and cardinsider (March 2026) but not a row in the bank MITC fee table that was read, so the general IOB charges shown here are assumed, not confirmed, for this variant. MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":448,"depth":"partial","slug":"indian-overseas-iob-visa-platinum-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-visa-platinum-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB VISA Signature Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":null,"annual_fee":750,"fee_waiver_spend":100000,"fee_notes":"Aggregators: annual maintenance charge Rs 750 + taxes, waived if annual spend exceeds Rs 1,00,000. Not listed in the MITC fee table read.","welcome_benefit":null,"reward_currency":"Nth Rewards","base_earn":"Reward points via Nth Rewards; earn rate not stated","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% waiver on transactions of Rs 400 to Rs 5,000, capped at Rs 250 per billing cycle","milestone_benefits":null,"other_freebies":"Per aggregators: 24/7 concierge, golf access, 50% off up to Rs 300 on two BookMyShow tickets, 8% off Hotels.com, airport immigration and car rental discounts; personal accident cover up to Rs 10 lakh.","interest_rate_monthly_pct":2.5,"late_payment_fee":"Rs 100 if minimum due is not paid within 3 days after the due date","cash_advance_fee":"2.25% (Rs 22.50 per Rs 1,000) plus finance charges from withdrawal date","eligibility":"Aggregator: limit Rs 2,70,001 to Rs 5 lakh","source_product_page":"https://www.iob.bank.in/en/credit-card","source_mitc_or_tnc":null,"source_other":["https://www.bankbazaar.com/iob-credit-card.html","https://cardinsider.com/blog/credit-cards-indian-overseas-bank/"],"source_quality":"aggregator","unverified_fields":["status","annual_fee","fee_waiver_spend","base_earn","other_freebies","eligibility","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","forex_markup_pct","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Described by bankbazaar and cardinsider (March 2026) but not a row in the bank MITC fee table that was read; no lounge access is listed by either aggregator. General IOB charges shown here are assumed, not confirmed, for this variant. MITC: finance charge 2.50% p.m. (30% p.a.), monthly compounding from transaction date; over-limit fee Rs 100; minimum due 10% of billed amount (min Rs 100); interest-free period 20 to 50 days; cash limit 40% and gold purchase limit 50% of card limit; card replacement Rs 100 + GST; up to four add-on cards, free. The bank's credit card product and FAQ pages render no body text to the fetch tool, so rewards, lounge and insurance come from aggregators. Aggregators: EMI at 13% (3/6 months), 15% (9/12), 17% (18/24) with nil processing fee on transactions of Rs 3,000+. ","id":449,"depth":"partial","slug":"indian-overseas-iob-visa-signature-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-visa-signature-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB novio Platinum Credit Card","cobrand_partner":"novio (Credilio)","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Physical card free when cumulative FD is Rs 10,000 or more.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter (4 per year)","lounge_international":null,"lounge_conditions":"RuPay/NPCI lounge programme; Rs 2 non-refundable authorisation per visit; unused visits lapse at quarter end.","forex_markup_pct":2.49,"fuel_surcharge_waiver":"No waiver stated; MITC lists fuel surcharge of 1% of transaction amount","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.25,"late_payment_fee":"Outstanding Rs 1-1,000: Rs 99; Rs 1,001-5,000: Rs 199; Rs 5,001 and above: Rs 299 (plus GST); 3-day grace","cash_advance_fee":"2.5% of amount or Rs 299, whichever is higher; ATM withdrawal interest 2.99% p.m. (35.88% p.a.)","eligibility":"Fixed deposit opened in the novio app; limit set against the FD. No credit history required.","source_product_page":null,"source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/novio-mitc","source_other":["https://www.newsbytesapp.com/news/business/novio-by-credilio-and-indian-overseas-bank-launch-rupay-card/tldr"],"source_quality":"primary","unverified_fields":["base_earn","reward_currency"],"date_read":"2026-10-11","notes":"FD-backed card run through the novio app; launched September 2026. Finance charge 3.25% p.m. (39% p.a.), monthly compounding. Card cancellation within 1 year Rs 499 + GST; replacement Rs 199 + GST. Rental payments carry a 1% fee. Over-limit charge nil. No add-on cards. Minimum due 5% plus all interest and charges (min Rs 100). Lounge entry takes a non-refundable Rs 2 authorisation; unused visits lapse. MITC is inconsistent on due date (15 days after statement in one place, 20th day from billing in another). Rewards are not described in the MITC. ","id":450,"depth":"fees-only","slug":"indian-overseas-iob-novio-platinum-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-novio-platinum-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB novio Select Credit Card","cobrand_partner":"novio (Credilio)","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Physical card free when cumulative FD is Rs 25,000 or more.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per year","lounge_conditions":"8 visits in total per year per MITC. RuPay/NPCI lounge programme; Rs 2 non-refundable authorisation per visit; unused visits lapse.","forex_markup_pct":2.49,"fuel_surcharge_waiver":"No waiver stated; MITC lists fuel surcharge of 1% of transaction amount","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.25,"late_payment_fee":"Outstanding Rs 1-1,000: Rs 99; Rs 1,001-5,000: Rs 199; Rs 5,001 and above: Rs 299 (plus GST); 3-day grace","cash_advance_fee":"2.5% of amount or Rs 299, whichever is higher; ATM withdrawal interest 2.99% p.m. (35.88% p.a.)","eligibility":"Fixed deposit opened in the novio app; limit set against the FD. No credit history required.","source_product_page":null,"source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/novio-mitc","source_other":["https://www.newsbytesapp.com/news/business/novio-by-credilio-and-indian-overseas-bank-launch-rupay-card/tldr"],"source_quality":"primary","unverified_fields":["base_earn","reward_currency"],"date_read":"2026-10-11","notes":"FD-backed card run through the novio app; launched September 2026. Finance charge 3.25% p.m. (39% p.a.), monthly compounding. Card cancellation within 1 year Rs 499 + GST; replacement Rs 199 + GST. Rental payments carry a 1% fee. Over-limit charge nil. No add-on cards. Minimum due 5% plus all interest and charges (min Rs 100). Lounge entry takes a non-refundable Rs 2 authorisation; unused visits lapse. MITC is inconsistent on due date (15 days after statement in one place, 20th day from billing in another). Rewards are not described in the MITC. ","id":451,"depth":"fees-only","slug":"indian-overseas-iob-novio-select-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-novio-select-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB ZET Credit Card","cobrand_partner":"ZET","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","lifetime-free","cashback","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Physical card free when cumulative FD is Rs 5,000 or more. Closure fee Rs 499 + GST if closed within 2 years of issue (MITC; a marketplace page says 1 year). Replacement Rs 199 + GST.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"No base reward stated in the MITC","base_return_pct":null,"accelerated_earn":"Per Bajaj Markets: 2% cashback on eligible UPI spends through ZET with a Rs 3/day subscription; 5% on Amazon Pay and Flipkart vouchers; up to 15% on 80+ brand vouchers","reward_caps":"Per Bajaj Markets: cashback capped at Rs 250 a month (vouchers), Rs 500 a month with the subscription","reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"All reward terms are from a marketplace page; the UPI cashback depends on a paid ZET subscription.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.49,"fuel_surcharge_waiver":"No waiver stated; MITC lists fuel surcharge of 1% of transaction amount","milestone_benefits":null,"other_freebies":"Per Bajaj Markets: flat Rs 100 off once a month on Swiggy (Rs 500+), Instamart (Rs 1,000+), Zomato (Rs 500+), BookMyShow (Rs 1,000+), AbhiBus (Rs 500+).","interest_rate_monthly_pct":3.25,"late_payment_fee":"Outstanding Rs 1-2,500: Rs 149; Rs 2,501-5,000: Rs 199; Rs 5,001 and above: Rs 299 (plus GST), applied 3 days past due","cash_advance_fee":"3.5% of amount; finance charges from withdrawal date","eligibility":"Fixed deposit opened through the ZET app (marketplace page: minimum FD Rs 2,500; age 18-65; no income proof).","source_product_page":null,"source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/MITC-IOB-ZET-Card","source_other":["https://www.bajajfinservmarkets.in/credit-card/iob-zet-credit-card"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_caps","other_freebies","eligibility"],"date_read":"2026-10-11","notes":"FD-backed card managed in the ZET app. Finance charge 3.25% p.m. (39% p.a.). Over-limit nil; no add-on cards; cash limit 40% and gold purchase limit 50% of card limit. On default the card is blocked at 11 days past due and the FD can be liquidated at DPD 11 if utilisation exceeds 88%, or at DPD 39 otherwise. Minimum due 5% plus all interest and charges.","id":452,"depth":"partial","slug":"indian-overseas-iob-zet-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-zet-credit-card/"},{"issuer":"Indian Overseas Bank","card_name":"IOB SalarySe Rise UP RuPay Platinum Credit Card","cobrand_partner":"SalarySe","networks":["RuPay"],"segment":"entry","card_type":["secured","cobrand","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Virtual card free. Physical card Rs 299 + GST, waived if FD is Rs 10,000 or more. No annual fee. Card closure fee Rs 299 + GST. Re-issue Rs 299 + GST.","welcome_benefit":null,"reward_currency":"Scoins","base_earn":"2 Scoins per Rs 100 on spends up to Rs 10,000 in a billing month via SalarySe UPI/online or the physical card","base_return_pct":null,"accelerated_earn":"5 Scoins per Rs 100 on spends above Rs 10,000 in a billing month (the MITC also says 10 Scoins in one line); 10 Scoins per Rs 100 via SalarySe UPI on the 1st and last day of the month, subject to Rs 2,500 spend on non-bonus days","reward_caps":null,"reward_exclusions":"0 Scoins on UPI apps other than SalarySe, railways, fuel, rent, government services, insurance, education, contracted services, agriculture, transportation and transit, telecom, post office, and small offline merchant transactions below Rs 2,000","point_value":"Not stated; Scoins redeem for brand vouchers in the SalarySe app only","points_expiry":"18 months from accrual","reward_notes":"Scoin rupee value is not published in the MITC, so no return is computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"No waiver; 1% surcharge on fuel. Also 1% surcharge on rental, wallet and utility transactions.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Outstanding below Rs 100: nil; up to Rs 5,000: Rs 299; above Rs 5,000: Rs 499 (plus GST); 3-day grace","cash_advance_fee":"Rs 500 per transaction plus GST; ATM cash withdrawal fee up to 3% or Rs 250, whichever is higher","eligibility":"Fixed deposit booked through the SalarySe app; credit limit is 90% of the FD, from Rs 2,250 to Rs 4,50,000.","source_product_page":null,"source_mitc_or_tnc":"https://www.iob.bank.in/documents/d/guest/iob-salaryse-rise-up-credit-card-mitc","source_other":[],"source_quality":"primary","unverified_fields":["accelerated_earn"],"date_read":"2026-10-11","notes":"FD-backed card for salaried users of the SalarySe app. Interest 3.5% p.m. (42% p.a.) on purchases and cash; EMI interest 30% p.a., conversion fee 2% (min Rs 50, max Rs 1,000), foreclosure 5%. Over-limit not allowed. No add-on cards. Cash limit 50% of card limit. Surcharges of 1% on rent, wallet loads and utilities. The MITC contradicts itself on the above-Rs 10,000 earn rate (5 vs 10 Scoins).","id":453,"depth":"full","slug":"indian-overseas-iob-salaryse-rise-up-rupay-platinum-credit-card","url":"https://m16s.in/cards/indian-overseas-iob-salaryse-rise-up-rupay-platinum-credit-card/"},{"issuer":"IDBI Bank","card_name":"Royale Signature Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"mid","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and renewal fees nil for primary and add-on (MITC).","welcome_benefit":"750 Delight Points on first transaction of Rs 1,500+ within 30 days; 400 if done between day 31 and 90 (cardinsider)","reward_currency":"Delight Points","base_earn":"3 Delight Points per Rs 100","base_return_pct":0.75,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 Delight Point = Rs 0.25 (cardinsider)","points_expiry":"3 years, excluding the month of accrual (cardinsider)","reward_notes":"base_return_pct = 3 points per Rs 100 x Rs 0.25. MITC lists redemption fee as nil for this card; cardinsider shows Rs 99. Cardinsider's own table shows 2 per Rs 100 in one row.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":null,"lounge_conditions":"Visa domestic lounge programme (cardinsider). No international access.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 5,000, capped at Rs 500 per month","milestone_benefits":null,"other_freebies":"Air accident cover Rs 25 lakh (cardinsider). Up to 2 add-on cards.","interest_rate_monthly_pct":2.5,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"Aggregator: resident Indian, salaried 21-60 or self-employed up to 65","source_product_page":"https://www.idbibank.in/credit-card.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/idbi-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","point_value","points_expiry","lounge_domestic","other_freebies","eligibility","networks"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 2.5% p.m. (30% p.a.). Cash limit 20% of credit limit.","id":454,"depth":"full","slug":"idbi-royale-signature-credit-card","url":"https://m16s.in/cards/idbi-royale-signature-credit-card/"},{"issuer":"IDBI Bank","card_name":"Euphoria World Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":150000,"fee_notes":"Joining fee nil. Annual fee Rs 1,499 from year 2, waived on minimum spends of Rs 1,50,000 in the preceding year (MITC). Add-on free.","welcome_benefit":"4,000 Delight Points on first transaction of Rs 1,500+ within 60 days (cardinsider)","reward_currency":"Delight Points","base_earn":"3 Delight Points per Rs 100","base_return_pct":0.75,"accelerated_earn":"6 Delight Points per Rs 100 on airline, hotel, bus and IRCTC bookings (cardinsider)","reward_caps":null,"reward_exclusions":null,"point_value":"1 Delight Point = Rs 0.25 (cardinsider)","points_expiry":"3 years, excluding the month of accrual (cardinsider)","reward_notes":"base_return_pct = 3 points per Rs 100 x Rs 0.25; travel categories 1.5%. Minimum 4,000 points for cashback, 1,000 for other redemptions (cardinsider). MITC lists redemption fee as nil; cardinsider shows Rs 99.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary at select domestic lounges; count not stated","lounge_international":null,"lounge_conditions":"Aggregator only; visit count not published. No international access.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 5,000, capped at Rs 500 per month","milestone_benefits":null,"other_freebies":"Air accident cover Rs 25 lakh (cardinsider).","interest_rate_monthly_pct":2.9,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"Aggregator: resident Indian, salaried 21-60 or self-employed 21-65","source_product_page":"https://www.idbibank.in/credit-card.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/idbi-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","point_value","points_expiry","lounge_domestic","other_freebies","eligibility","networks"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 2.9% p.m. (34.8% p.a.). Cash limit 15% of credit limit. Network taken from the 'World' tier name; not stated in documents read.","id":455,"depth":"full","slug":"idbi-euphoria-world-credit-card","url":"https://m16s.in/cards/idbi-euphoria-world-credit-card/"},{"issuer":"IDBI Bank","card_name":"Aspire Platinum Credit Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and renewal fees nil (MITC).","welcome_benefit":"500 Delight Points on Rs 1,500+ spend in the first 30 days; 300 more for Rs 1,500+ in days 31-90 (cardinsider)","reward_currency":"Delight Points","base_earn":"2 Delight Points per Rs 150 on shopping, dining and travel","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"Assumed Rs 0.25 per point as on other IDBI Delight cards; not stated for Aspire","points_expiry":null,"reward_notes":"base_return_pct = (2/150) x Rs 0.25 = 0.33%. Redemption fee nil.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 300 per month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.9,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"Aggregator: resident Indian, salaried 21-60 or self-employed 21-65","source_product_page":"https://www.idbibank.in/credit-card.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/idbi-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","point_value","eligibility","networks"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 2.9% p.m. (34.8% p.a.). Cash limit 20%. No lounge access or insurance. Network not stated in any document read, so left empty.","id":456,"depth":"full","slug":"idbi-aspire-platinum-credit-card","url":"https://m16s.in/cards/idbi-aspire-platinum-credit-card/"},{"issuer":"IDBI Bank","card_name":"Imperium Platinum Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["secured","rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":75000,"fee_notes":"Joining fee nil. Annual fee Rs 499 from year 2, waived on minimum spends of Rs 75,000 in the preceding year. Closure within 1 year costs Rs 999 (MITC).","welcome_benefit":"Up to 800 bonus points: 500 for Rs 1,500 spend within 30 days, 300 for Rs 1,500 in days 31-90 (cardinsider)","reward_currency":"Delight Points","base_earn":"2 Delight Points per Rs 150 on shopping, movies and travel","base_return_pct":0.33,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 0.25 (cardinsider)","points_expiry":null,"reward_notes":"base_return_pct = (2/150) x Rs 0.25 = 0.33%. MITC shows redemption fee nil; cardinsider shows Rs 100 per request.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 400 per month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.9,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"Secured against a fixed deposit with IDBI Bank; cardinsider gives minimum FD Rs 20,000, age 18+. FDs of HUFs, minors, trusts, societies, firms and companies not eligible.","source_product_page":"https://www.idbibank.in/credit-card.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/idbi-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","point_value","eligibility","networks"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Secured card. Interest 2.9% p.m. (34.8% p.a.). Cash limit 70% of credit limit, unusually high. A Rs 999 charge applies if the card is closed within a year.","id":457,"depth":"full","slug":"idbi-imperium-platinum-credit-card","url":"https://m16s.in/cards/idbi-imperium-platinum-credit-card/"},{"issuer":"IDBI Bank","card_name":"Winnings Credit Card (RuPay Select)","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":0,"annual_fee":899,"fee_waiver_spend":90000,"fee_notes":"Joining fee nil. Annual fee Rs 899 from year 2, waived on minimum spends of Rs 90,000 in the preceding year (MITC).","welcome_benefit":"10% cashback up to Rs 500 on transactions within 90 days of card receipt (cardinsider)","reward_currency":"Delight Points","base_earn":"2 Delight Points per Rs 100","base_return_pct":0.5,"accelerated_earn":"4 Delight Points per Rs 100 in birthday month (cardinsider)","reward_caps":null,"reward_exclusions":null,"point_value":"Not stated for Winnings; Rs 0.25 per point on other IDBI Delight cards","points_expiry":null,"reward_notes":"base_return_pct assumes Rs 0.25 per point (2 x 0.25 per Rs 100). MITC lists redemption fee nil; cardinsider shows Rs 99.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (8 per year)","lounge_international":"4 per year","lounge_conditions":"Aggregator figures; RuPay lounge programme. Conditions not detailed.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 400 per month","milestone_benefits":"500 bonus Delight Points for 5 transactions of Rs 1,000 each in a month (cardinsider; its wording varies)","other_freebies":"Accidental death and permanent disability cover up to Rs 10 lakh each (RuPay).","interest_rate_monthly_pct":3.4,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":null,"source_product_page":"https://www.idbibank.in/credit-card.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/idbi-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","point_value","lounge_domestic","lounge_international","milestone_benefits","other_freebies","card_type"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Interest 3.4% p.m. (40.8% p.a.), high for a bank card. Cash limit 15%.","id":458,"depth":"full","slug":"idbi-winnings-credit-card-rupay-select","url":"https://m16s.in/cards/idbi-winnings-credit-card-rupay-select/"},{"issuer":"IDBI Bank","card_name":"LIC Lumine Platinum Credit Card","cobrand_partner":"LIC Cards Services (LIC CSL)","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and renewal fees nil (MITC). Closure within 1 year costs Rs 999. Reward redemption fee Rs 99 per redemption.","welcome_benefit":"1,000 points on Rs 10,000 spend within 60 days of issue (cardinsider, 2021)","reward_currency":"Delight Points","base_earn":"3 Delight Points per Rs 100","base_return_pct":0.75,"accelerated_earn":"2X Delight Points on LIC premium payments (cardinsider, 2021)","reward_caps":null,"reward_exclusions":null,"point_value":"Not stated for LIC cards; Rs 0.25 per point on other IDBI Delight cards","points_expiry":null,"reward_notes":"Earn rates from a 2021 cardinsider article (updated Oct 2024); base_return_pct assumes Rs 0.25 per Delight Point. Rs 99 fee per redemption reduces the return on small redemptions.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 4,000, capped at Rs 300 per month","milestone_benefits":null,"other_freebies":"Accidental death / permanent disability cover Rs 2 lakh. 1 free add-on card.","interest_rate_monthly_pct":3.4,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"LIC policyholders, agents and employees, and those of LIC subsidiaries/associates (cardinsider)","source_product_page":"https://idbibank.in/lic-co-branded-credit-cards.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/blog/lic-lumine-and-eclat-rupay-credit-cards/"],"source_quality":"mixed","unverified_fields":["status","base_earn","base_return_pct","accelerated_earn","point_value","lounge_domestic","lounge_international","welcome_benefit","eligibility","other_freebies"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Co-branded with LIC CSL, launched 2021 on RuPay. Still listed in IDBI's current MITC and Key Fact Statement, so recorded as open; whether new cards are still being sourced was not confirmed. Interest 3.4% p.m. (40.8% p.a.). Cash limit 20%.","id":459,"depth":"full","slug":"idbi-lic-lumine-platinum-credit-card","url":"https://m16s.in/cards/idbi-lic-lumine-platinum-credit-card/"},{"issuer":"IDBI Bank","card_name":"LIC Eclat Select Credit Card","cobrand_partner":"LIC Cards Services (LIC CSL)","networks":["RuPay"],"segment":"mid","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and renewal fees nil (MITC). Closure within 1 year costs Rs 999. Reward redemption fee Rs 99 per redemption.","welcome_benefit":"1,500 points on Rs 10,000 spend within 60 days of set-up (cardinsider, 2021)","reward_currency":"Delight Points","base_earn":"4 Delight Points per Rs 100","base_return_pct":1.0,"accelerated_earn":"2X Delight Points on LIC premium payments (cardinsider, 2021)","reward_caps":null,"reward_exclusions":null,"point_value":"Not stated for LIC cards; Rs 0.25 per point on other IDBI Delight cards","points_expiry":null,"reward_notes":"Earn rates from a 2021 cardinsider article (updated Oct 2024); base_return_pct assumes Rs 0.25 per Delight Point. Rs 99 fee per redemption reduces the return on small redemptions.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary (period not stated)","lounge_international":"2 complimentary (period not stated)","lounge_conditions":"Aggregator only; RuPay lounge programme.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400 to Rs 5,000, capped at Rs 500 per month","milestone_benefits":null,"other_freebies":"Accidental death cover Rs 25 lakh plus accidental death / permanent disability cover Rs 10 lakh. Up to 2 free add-on cards.","interest_rate_monthly_pct":3.4,"late_payment_fee":"Statement balance up to Rs 500: nil; Rs 501-5,000: Rs 400; Rs 5,001-10,000: Rs 500; Rs 10,001-20,000: Rs 750; above Rs 20,000: Rs 950","cash_advance_fee":"2.5% of amount or Rs 500, whichever is higher; interest from transaction date","eligibility":"LIC policyholders, agents and employees, and those of LIC subsidiaries/associates (cardinsider)","source_product_page":"https://idbibank.in/lic-co-branded-credit-cards.aspx","source_mitc_or_tnc":"https://idbibank.in/pdf/MITC-CC.PDF","source_other":["https://www.idbi.bank.in/pdf/key-fact-statement.pdf","https://cardinsider.com/blog/lic-lumine-and-eclat-rupay-credit-cards/"],"source_quality":"mixed","unverified_fields":["status","base_earn","base_return_pct","accelerated_earn","point_value","lounge_domestic","lounge_international","welcome_benefit","eligibility","other_freebies"],"date_read":"2026-10-11","notes":"MITC / Key Fact Statement: over-limit fee 2.5% of over-limit amount (min Rs 500); cheque/auto-debit return Rs 500; cash deposit at branch for card payment Rs 200; card replacement Rs 200; balance transfer fee 1.5% or Rs 199; minimum due 5% or Rs 200; interest-free period 18 to 48 days, lost if the previous balance is unpaid. Max cash withdrawal Rs 15,000 a day. Not valid for foreign-currency transactions in Nepal or Bhutan. Card must be activated within 30 days. IDBI's individual product pages block automated reading (robots), so reward, welcome and lounge terms come from cardinsider and the bank hub page, which only says Delight Points are earned on all spends and can be redeemed as cashback. Co-branded with LIC CSL, launched 2021 on RuPay. Still listed in IDBI's current MITC and Key Fact Statement, so recorded as open; whether new cards are still being sourced was not confirmed. Interest 3.4% p.m. (40.8% p.a.). Cash limit 20%.","id":460,"depth":"full","slug":"idbi-lic-eclat-select-credit-card","url":"https://m16s.in/cards/idbi-lic-eclat-select-credit-card/"},{"issuer":"Jammu and Kashmir Bank","card_name":"Eminent Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards","travel"],"status":"open","joining_fee":0,"annual_fee":1500,"fee_waiver_spend":300000,"fee_notes":"Joining nil. Fee schedule lists 'Annual' Rs 1,500 and 'Renewal' Rs 200 as separate columns without explaining the split. Annual fee waived on spends above Rs 3,00,000 (listed against the card's former name, World).","welcome_benefit":"Rs 500 voucher for new customers","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":"3 points per Rs 100 on online travel, apparel, dining and electronics","reward_caps":null,"reward_exclusions":"Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions","point_value":"Not stated on the page read; redemption via rewards.jkb.bank.in","points_expiry":"3 years from transaction date","reward_notes":"No base return computed because the bank does not publish a rupee value per point on the page read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"1 per half-year","lounge_conditions":"Mastercard lounge programme (LoungeKey for international). No spend condition stated.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1%; card section says on fuel spends up to Rs 10,000 a month, general terms cite a Rs 5,000 cap","milestone_benefits":"Rs 750 voucher per quarter on spends above Rs 1,50,000; Rs 1,000 dining voucher on annual spends above Rs 6,00,000","other_freebies":"Rs 150 monthly benefit on food delivery spend of Rs 500+; buy-one-get-one movie tickets up to Rs 500 a month; Mastercard golf privileges.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if amount due is up to Rs 100; Rs 250 if above Rs 100","cash_advance_fee":"3% per transaction, min Rs 300 (own, other-bank and overseas ATMs)","eligibility":null,"source_product_page":"https://jkb.bank.in/transactions/services/credit-cards","source_mitc_or_tnc":"https://jkb.bank.in/transactions/services/credit-cards","source_other":["https://cardinsider.com/blog/jk-bank-revamps-credit-card-portfolio-new-credit-cards/"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. Formerly the World Credit Card. 1.99% forex markup is low for the fee level. Cash advance limit stated variously as 20% and up to 40% of credit limit.","id":461,"depth":"full","slug":"j-and-k-bank-eminent-credit-card","url":"https://m16s.in/cards/j-and-k-bank-eminent-credit-card/"},{"issuer":"Jammu and Kashmir Bank","card_name":"Platinum Privilege Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining, annual and renewal fees nil.","welcome_benefit":"Rs 250 voucher","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 on monthly spend up to Rs 15,000","base_return_pct":null,"accelerated_earn":"2 points per Rs 100 on monthly spend above Rs 15,000","reward_caps":null,"reward_exclusions":"Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions","point_value":"Not stated on the page read; redemption via rewards.jkb.bank.in","points_expiry":"3 years from transaction date","reward_notes":"No base return computed because the bank does not publish a rupee value per point on the page read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":null,"lounge_conditions":"No spend condition stated.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel spends up to Rs 5,000 a month","milestone_benefits":"One voucher per quarter: Rs 100 on quarterly spend of Rs 30,000-49,999; Rs 200 on Rs 50,000-74,999; Rs 350 on Rs 75,000 or more","other_freebies":"15% off (up to Rs 75) on minimum Rs 500 spend at eligible lifestyle and food-delivery merchants, once a month.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if amount due is up to Rs 100; Rs 250 if above Rs 100","cash_advance_fee":"3% per transaction, min Rs 300 (own, other-bank and overseas ATMs)","eligibility":"Only for employees of government departments/organisations that have an MoU with the bank","source_product_page":"https://jkb.bank.in/transactions/services/credit-cards","source_mitc_or_tnc":"https://jkb.bank.in/transactions/services/credit-cards","source_other":["https://cardinsider.com/blog/jk-bank-revamps-credit-card-portfolio-new-credit-cards/"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. Formerly the Government Card. Lifetime free with 1.99% forex markup, but restricted to MoU employers.","id":462,"depth":"full","slug":"j-and-k-bank-platinum-privilege-credit-card","url":"https://m16s.in/cards/j-and-k-bank-platinum-privilege-credit-card/"},{"issuer":"Jammu and Kashmir Bank","card_name":"Platinum Credit Card (incl. Pink Platinum)","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":100000,"fee_notes":"Joining nil. Fee schedule lists 'Annual' Rs 500 and 'Renewal' Rs 200 as separate columns. Annual fee waived for the following year on Rs 1,00,000 spend in the anniversary year.","welcome_benefit":"Rs 250 voucher","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":"2 points per Rs 100 on online, department store, pharmacy/medical and utility spends","reward_caps":null,"reward_exclusions":"Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions","point_value":"Not stated on the page read; redemption via rewards.jkb.bank.in","points_expiry":"3 years from transaction date","reward_notes":"No base return computed because the bank does not publish a rupee value per point on the page read.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per year (1 per half-year)","lounge_international":null,"lounge_conditions":"No spend condition stated.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel spends up to Rs 5,000 a month","milestone_benefits":"Rs 500 voucher per quarter on spends above Rs 75,000","other_freebies":"10% off (up to Rs 50) on utility bill payments, once a month.","interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if amount due is up to Rs 100; Rs 250 if above Rs 100","cash_advance_fee":"3% per transaction, min Rs 300 (own, other-bank and overseas ATMs)","eligibility":null,"source_product_page":"https://jkb.bank.in/transactions/services/credit-cards","source_mitc_or_tnc":"https://jkb.bank.in/transactions/services/credit-cards","source_other":["https://cardinsider.com/blog/jk-bank-revamps-credit-card-portfolio-new-credit-cards/"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. The fee-waiver table names 'Platinum Credit Card including Pink', so the Pink (women's) variant shares these terms.","id":463,"depth":"full","slug":"j-and-k-bank-platinum-credit-card-incl-pink-platinum","url":"https://m16s.in/cards/j-and-k-bank-platinum-credit-card-incl-pink-platinum/"},{"issuer":"Jammu and Kashmir Bank","card_name":"Gold Credit Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":200,"fee_waiver_spend":50000,"fee_notes":"Joining nil. Fee schedule lists Annual Rs 200 and Renewal Rs 200. Annual fee waived on spends above Rs 50,000.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions","point_value":"Not stated on the page read; redemption via rewards.jkb.bank.in","points_expiry":"3 years from transaction date","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if amount due is up to Rs 100; Rs 250 if above Rs 100","cash_advance_fee":"3% per transaction, min Rs 300 (own, other-bank and overseas ATMs)","eligibility":null,"source_product_page":"https://jkb.bank.in/transactions/services/credit-cards","source_mitc_or_tnc":"https://jkb.bank.in/transactions/services/credit-cards","source_other":["https://cardinsider.com/blog/jk-bank-revamps-credit-card-portfolio-new-credit-cards/"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","point_value","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. Appears only in the fee and waiver tables; the revamped portfolio page describes benefits for Eminent, Platinum Privilege and Platinum only, so Gold may be a legacy variant. Recorded as open because the bank still lists its charges.","id":464,"depth":"fees-only","slug":"j-and-k-bank-gold-credit-card","url":"https://m16s.in/cards/j-and-k-bank-gold-credit-card/"},{"issuer":"Jammu and Kashmir Bank","card_name":"Corporate Credit Card","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Joining nil. Fee schedule lists Annual Rs 500 and Renewal Rs 200. Forex markup not listed for this card.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if amount due is up to Rs 100; Rs 250 if above Rs 100","cash_advance_fee":"3% per transaction, min Rs 300 (own, other-bank and overseas ATMs)","eligibility":null,"source_product_page":"https://jkb.bank.in/transactions/services/credit-cards","source_mitc_or_tnc":"https://jkb.bank.in/transactions/services/credit-cards","source_other":["https://cardinsider.com/blog/jk-bank-revamps-credit-card-portfolio-new-credit-cards/"],"source_quality":"primary","unverified_fields":["networks","forex_markup_pct","base_earn"],"date_read":"2026-10-11","notes":"Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. Appears only in the fee table; no benefit description on the page.","id":465,"depth":"fees-only","slug":"j-and-k-bank-corporate-credit-card","url":"https://m16s.in/cards/j-and-k-bank-corporate-credit-card/"},{"issuer":"RBL Bank","card_name":"World Safari","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["travel","rewards"],"status":"open","joining_fee":0,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"MakeMyTrip voucher Rs 3,000 after one transaction in 30 days and fee payment in the first cycle; valid 120 days","reward_currency":"Travel Points","base_earn":"2 points per Rs 100 on eligible domestic retail spend","base_return_pct":null,"accelerated_earn":"5 points per Rs 100 on travel purchases","reward_caps":"None stated","reward_exclusions":"No points on international purchases (0% markup instead), fuel & auto, utilities, insurance, railways, real estate/rent, wallets","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: issuer page does not state a rupee value per point.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"2 per calendar year via Priority Pass, plus 1 extra visit voucher on Rs 50,000 spend in a calendar quarter","lounge_conditions":"Domestic visits need Rs 35,000 spend in the previous calendar quarter; international visits beyond quota up to USD 35","forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 250/month","milestone_benefits":"10,000 points at Rs 2.5 lakh annual spend; 15,000 points at Rs 5 lakh; Rs 10,000 voucher at Rs 7.5 lakh","other_freebies":"Travel insurance (trip delay, baggage loss, passport loss, dental, personal liability); golf: 4 rounds a year and 1 lesson a month (Mastercard); concierge","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-safari-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf"],"source_quality":"primary","unverified_fields":["networks","point_value"],"date_read":"2026-10-11","notes":"Zero forex markup is the core benefit; international spend earns no points. Product T&C PDF linked but not read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":466,"depth":"full","slug":"rbl-world-safari","url":"https://m16s.in/cards/rbl-world-safari/"},{"issuer":"RBL Bank","card_name":"World Safari Plus","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["travel","rewards"],"status":"open","joining_fee":0,"annual_fee":6000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"6,000 Reward Points (worth Rs 6,000 on flights/hotels) after activation, a transaction in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 on domestic spend","base_return_pct":1.0,"accelerated_earn":"2 points per Rs 100 on domestic travel; up to 5% on travel booked via the RBL rewards platform","reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Rs 1 on flight and hotel bookings; Rs 0.10 on everything else","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 1 if redeemed for flights/hotels; only 0.1% otherwise.","transfer_partners":[],"transfer_ratio":"Page mentions miles transfer to airline and hotel programmes; partners and ratio not stated","lounge_domestic":"2 per calendar quarter","lounge_international":"4 per year via Priority Pass","lounge_conditions":"No spend condition stated","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":"Club Marriott membership at Rs 7.5 lakh annual spend; Marriott or Taj gift voucher at Rs 15 lakh","other_freebies":"International travel insurance up to USD 100,000; golf: 4 rounds a year, 1 lesson a month; MakeMyTrip, Postcard Hotels and Avis discounts","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-safari-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-world-safari-plus.pdf"],"source_quality":"primary","unverified_fields":["transfer_ratio"],"date_read":"2026-10-11","notes":"Product T&C PDF linked but not read; exclusions not shown on the page. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":467,"depth":"full","slug":"rbl-world-safari-plus","url":"https://m16s.in/cards/rbl-world-safari-plus/"},{"issuer":"RBL Bank","card_name":"World Safari Lite","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["travel","rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"Vouchers worth Rs 1,000 (Ixigo Rs 599 off, Swiggy One) after a transaction in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 on eligible domestic travel spend","base_return_pct":0.25,"accelerated_earn":"5 points per Rs 100 on flights and hotels booked on the RBL rewards portal","reward_caps":null,"reward_exclusions":"No points on fuel & auto, utilities, insurance, railways, real estate/rent, wallets","point_value":"1 point = Rs 0.25 on flights and hotels; Rs 0.05 on other redemptions","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.25. Redemption only on the RBL rewards portal.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter","lounge_international":"1 per calendar quarter","lounge_conditions":"Both need Rs 50,000 spend in the previous calendar quarter","forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":"5,000 points at Rs 2.5 lakh annual spend; 10,000 points at Rs 5 lakh","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-safari-lite-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-world-safari-lite.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Zero forex markup at a Rs 1,000 fee; reward value is thin. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":468,"depth":"full","slug":"rbl-world-safari-lite","url":"https://m16s.in/cards/rbl-world-safari-lite/"},{"issuer":"RBL Bank","card_name":"Insignia / Insignia Preferred Banking","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":0,"annual_fee":7000,"fee_waiver_spend":1000000,"fee_notes":"Rs 7,000 + GST; nil for RBL Insignia Preferred Banking customers; waived on Rs 10 lakh annual spend","welcome_benefit":"28,000 bonus points (paid variant only) after use in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"5 points per Rs 100 domestic","base_return_pct":null,"accelerated_earn":"10 points per Rs 100 international","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: issuer page gives no rupee value per point. No redemption fee on Insignia.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"6 per calendar year via Priority Pass, shareable with guests; 1 extra voucher on Rs 1 lakh spend in a calendar month","lounge_conditions":"No spend condition stated for domestic; beyond quota up to USD 35","forex_markup_pct":1.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 500/month","milestone_benefits":"Vouchers worth Rs 8,000 on Rs 8 lakh annual spend","other_freebies":"BookMyShow Rs 500 off twice a month; golf 4 rounds a year and 1 lesson a month (Mastercard); concierge; EazyDiner Prime dining offers","interest_rate_monthly_pct":3.4,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Nil-fee variant via RBL Insignia Preferred Banking relationship manager","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/insignia-preferred-banking-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-insignia-credit-card.pdf"],"source_quality":"primary","unverified_fields":["networks","point_value"],"date_read":"2026-10-11","notes":"Interest 3.4% per month per MITC. Exclusion list not shown on the page. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":469,"depth":"full","slug":"rbl-insignia-insignia-preferred-banking","url":"https://m16s.in/cards/rbl-insignia-insignia-preferred-banking/"},{"issuer":"RBL Bank","card_name":"Nova","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"open","joining_fee":0,"annual_fee":12500,"fee_waiver_spend":1000000,"fee_notes":"Rs 12,500 + GST; waived on Rs 10 lakh eligible annual spend; first two add-on cards free","welcome_benefit":"Rs 12,500 gift card (Taj Experiences or Luxe)","reward_currency":"Reward Points","base_earn":"4 points per Rs 200","base_return_pct":2.0,"accelerated_earn":"12 points per Rs 200 on flight bookings and hotel stays","reward_caps":"None stated","reward_exclusions":"No base points on fuel & auto, education, utilities, insurance, quasi-cash, real estate/rent, wallets, government, contracted services, cash, Bills2Pay, EMI","point_value":"1 point = Rs 1","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 1 = 2%; 6% on flights and hotels. No redemption fee.","transfer_partners":["Air India Maharaja Club","Singapore KrisFlyer","Qatar Airways Privilege Club"],"transfer_ratio":"2 Reward Points = 1 partner point","lounge_domestic":"12 per year","lounge_international":"12 per year, plus 4 guest visits outside India","lounge_conditions":"Spend conditions not stated on the page","forex_markup_pct":2.0,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 10,000 gift card on Rs 3 lakh spend in a calendar quarter","other_freebies":"Golf: 4 rounds and 12 lessons a year; 18g metal card","interest_rate_monthly_pct":3.4,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/nova-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Network not confirmed on the page. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":470,"depth":"full","slug":"rbl-nova","url":"https://m16s.in/cards/rbl-nova/"},{"issuer":"RBL Bank","card_name":"Icon","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"20,000 points after use in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":0.6,"accelerated_earn":"20 points per Rs 100 on international purchases and on weekend dining","reward_caps":"2,000 points per month on international; separate 2,000 per month on weekend dining","reward_exclusions":"Railways, real estate/rent and miscellaneous MCCs listed on the page; full list in product T&C","point_value":"About Rs 0.30 per point, inferred from the page's '45,000 points = Rs 13,500' and '6% value back' claims","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.30 (inferred value, not stated outright).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"Access to 1,400+ lounges, every visit charged up to USD 35","lounge_conditions":"Domestic needs Rs 35,000 spend in the previous calendar quarter; primary card only","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 200/month","milestone_benefits":"10,000 points at Rs 3 lakh annual spend; 15,000 more at Rs 5 lakh; 20,000 more at Rs 8 lakh","other_freebies":"BookMyShow 1+1 up to Rs 200 twice a month; Mastercard golf rounds and lessons; concierge","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/icon-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-icon-credit-card.pdf"],"source_quality":"primary","unverified_fields":["point_value","base_return_pct","networks"],"date_read":"2026-10-11","notes":"Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":471,"depth":"full","slug":"rbl-icon","url":"https://m16s.in/cards/rbl-icon/"},{"issuer":"RBL Bank","card_name":"Platinum Maxima Plus","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":2500,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"10,000 points after use in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 points per Rs 100 on dining, entertainment, grocery and international purchases","reward_caps":"1,000 points per month on accelerated categories","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":"Rs 0.25 per point, implied by the page's example (67,600 points = Rs 16,900)","points_expiry":null,"reward_notes":"base_return_pct = 2 points per Rs 100 x Rs 0.25. The accelerated cap is hit at Rs 10,000 a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"None stated","lounge_conditions":"Needs Rs 35,000 spend in the previous calendar quarter","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"10,000 points each at Rs 2 lakh, Rs 3.5 lakh and Rs 5 lakh annual spend","other_freebies":"BookMyShow: 1 free ticket up to Rs 200 a month on buying 2 or more","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-maxima-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-platinum-maxima-plus.pdf"],"source_quality":"primary","unverified_fields":["networks","point_value"],"date_read":"2026-10-11","notes":"Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":472,"depth":"full","slug":"rbl-platinum-maxima-plus","url":"https://m16s.in/cards/rbl-platinum-maxima-plus/"},{"issuer":"RBL Bank","card_name":"Cookies","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"entry","card_type":["rewards","cashback","shopping"],"status":"open","joining_fee":0,"annual_fee":1200,"fee_waiver_spend":null,"fee_notes":"Rs 100 + GST per month (Rs 1,200 a year); next month's fee waived on Rs 5,000 eligible spend in a calendar month. Cards issued before 10 May 2021: Rs 500 a year.","welcome_benefit":"Rs 1,000 gift voucher (Croma, Myntra, Amazon, Flipkart or Shoppers Stop) after a transaction in 30 days","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.2,"accelerated_earn":"5X points on online spend; 10% cashback on Zomato, Myntra and Uber","reward_caps":"Cashback Rs 300 per brand per month, Rs 900 per month overall","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":"Up to Rs 0.20 per point","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.20; 1% online.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 150/month","milestone_benefits":"Rs 1,000 voucher at Rs 2 lakh annual spend; Rs 5,000 voucher at Rs 5 lakh","other_freebies":"BookMyShow 10% off up to Rs 300, once a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/cookies-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-cookies.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Monthly-fee card: skipping Rs 5,000 spend in a month costs Rs 118 the next month. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":473,"depth":"full","slug":"rbl-cookies","url":"https://m16s.in/cards/rbl-cookies/"},{"issuer":"RBL Bank","card_name":"ShopRite","cobrand_partner":null,"networks":["Mastercard","Visa","RuPay"],"segment":"entry","card_type":["rewards","shopping","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"2,000 points after use in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"20 points per Rs 100 on grocery (5% value back)","reward_caps":"1,000 points per month on grocery (Rs 5,000 grocery spend)","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":"Up to Rs 0.25 per point","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.25. Exclusions widened from 15 Oct 2024.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 100/month","milestone_benefits":null,"other_freebies":"BookMyShow 10% off up to Rs 100, 15 times a year","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/shoprite-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-shoprite-credit-card.pdf","https://cardinsider.com/rbl-bank/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Card Insider lists a lifetime-free offer; issuer page and MITC show Rs 500 with a Rs 1.5 lakh waiver. Fee-waiver spend excludes the same categories. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":474,"depth":"full","slug":"rbl-shoprite","url":"https://m16s.in/cards/rbl-shoprite/"},{"issuer":"RBL Bank","card_name":"Play (BookMyShow)","cobrand_partner":"BookMyShow","networks":["Mastercard","Visa"],"segment":"entry","card_type":["cobrand","shopping"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":150000,"fee_notes":"Rs 500 + GST; waived on Rs 1.5 lakh annual spend, or on 10 BookMyShow transactions a year for BookMyShow-sourced customers","welcome_benefit":"Rs 500 BookMyShow discount for a purchase within 30 days (paid cards only)","reward_currency":"BookMyShow discounts (no points)","base_earn":"No reward points","base_return_pct":null,"accelerated_earn":"Spend Rs 5,000 in a billing month to get 2 BookMyShow tickets up to Rs 250 each (max Rs 500) the next cycle","reward_caps":"Rs 500 per month; one transaction of at least two tickets","reward_exclusions":"Fuel, insurance, utilities, rent, cash, railways, education, wallets, government and EMI spends do not count toward the Rs 5,000 or the fee waiver","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: no points. Rs 500 on Rs 5,000 monthly spend equals up to 10% if fully used.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 100/month","milestone_benefits":null,"other_freebies":"Up to Rs 100 off food and beverages with BookMyShow movie bookings","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-play-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/play-credit-card-terms-and-conditions.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":475,"depth":"full","slug":"rbl-play-bookmyshow","url":"https://m16s.in/cards/rbl-play-bookmyshow/"},{"issuer":"RBL Bank","card_name":"IndianOil RBL Bank XTRA","cobrand_partner":"IndianOil","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["fuel","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":1500,"fee_waiver_spend":275000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"3,000 Fuel Points for a purchase above Rs 500 within 30 days, after fee payment","reward_currency":"Fuel Points","base_earn":"2 Fuel Points per Rs 100","base_return_pct":1.0,"accelerated_earn":"15 Fuel Points per Rs 100 at IndianOil stations (7.5%)","reward_caps":"2,000 accelerated Fuel Points per month","reward_exclusions":"No points on utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash, Bills2Pay, EMI","point_value":"1 Fuel Point = Rs 0.50, converted to IndianOil XTRAREWARDS","points_expiry":null,"reward_notes":"base_return_pct = 2 Fuel Points per Rs 100 x Rs 0.50. No redemption fee on IOCL cards per MITC.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 200/month","milestone_benefits":"1,000 Fuel Points on Rs 75,000 spend in a quarter","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/indianoil-rbl-bank-xtra-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-indianoil-rbl-bank-extra-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Fee waiver applies only if the annual fee was paid; the cap is reached at about Rs 13,300 of IndianOil fuel a month. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":476,"depth":"full","slug":"indianoil-rbl-bank-xtra","url":"https://m16s.in/cards/indianoil-rbl-bank-xtra/"},{"issuer":"RBL Bank","card_name":"IndianOil RBL Bank","cobrand_partner":"IndianOil","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["fuel","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":175000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"1,000 Fuel Points for a purchase above Rs 500 within 30 days, after fee payment","reward_currency":"Fuel Points","base_earn":"1 Fuel Point per Rs 100","base_return_pct":0.5,"accelerated_earn":"10 Fuel Points per Rs 100 at IndianOil stations (5%)","reward_caps":"1,000 accelerated Fuel Points per month","reward_exclusions":"No points on utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash, Bills2Pay, EMI","point_value":"1 Fuel Point = Rs 0.50, converted to IndianOil XTRAREWARDS","points_expiry":null,"reward_notes":"base_return_pct = 1 Fuel Point per Rs 100 x Rs 0.50.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1%, cap Rs 100/month","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/indianoil-rbl-bank-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-indianoil-rbl-bank-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":477,"depth":"full","slug":"indianoil-rbl-bank","url":"https://m16s.in/cards/indianoil-rbl-bank/"},{"issuer":"RBL Bank","card_name":"Lumiere","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":0,"annual_fee":50000,"fee_waiver_spend":null,"fee_notes":"Rs 50,000 + GST; first three add-on cards free; Card Insider reports the fee is waived for a Rs 2 crore total relationship value","welcome_benefit":"Rs 30,000 Taj Experiences or Marriott e-gift voucher; Club Marriott or ITC Culinaire membership (Card Insider)","reward_currency":"Reward Points","base_earn":"4 points per Rs 200 (Card Insider)","base_return_pct":2.0,"accelerated_earn":"20 points per Rs 200 on purchases via lumiere.rbl.bank.in","reward_caps":null,"reward_exclusions":null,"point_value":"1 point = Re 1 on the Lumiere platform (Card Insider)","points_expiry":"No expiry (Card Insider)","reward_notes":"base_return_pct = 4 points per Rs 200 x Re 1, from Card Insider. No redemption fee per issuer MITC.","transfer_partners":["Air India Maharaja Club","Qatar Airways Privilege Club","Singapore KrisFlyer","AirAsia","Club ITC"],"transfer_ratio":"1:1 (Card Insider)","lounge_domestic":"Unlimited for primary cardholder and accompanying guests","lounge_international":"Unlimited for primary; 10 guest visits per calendar year","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 500-10,000 transactions (Card Insider)","milestone_benefits":null,"other_freebies":"8 airport meet-and-greets a year; unlimited golf rounds and 12 lessons a year; 25% off up to Rs 5,000 at select restaurants via District","interest_rate_monthly_pct":3.4,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"By invitation; 'express your interest' on the issuer page","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/lumiere-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://cardinsider.com/rbl-bank/rbl-lumiere-credit-card/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","base_earn","base_return_pct","accelerated_earn","point_value","points_expiry","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","fuel_surcharge_waiver","other_freebies","networks"],"date_read":"2026-10-11","notes":"Issuer page is marketing only. Fee, zero forex markup and 3.4% interest are from the issuer MITC; everything else from Card Insider (updated 18 May 2026). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":478,"depth":"full","slug":"rbl-lumiere","url":"https://m16s.in/cards/rbl-lumiere/"},{"issuer":"RBL Bank","card_name":"iGlobe","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"mid","card_type":["travel","rewards"],"status":"open","joining_fee":0,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Rs 3,000; nil for Insignia Preferred Banking customers","welcome_benefit":"Rs 3,000 MakeMyTrip voucher after a swipe in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"5 points per Rs 100 domestic","base_return_pct":null,"accelerated_earn":"10 points per Rs 100 international","reward_caps":"None stated","reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: point value not stated on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"6 per calendar year","lounge_conditions":"No spend condition stated","forex_markup_pct":1.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 250/month","milestone_benefits":"10,000 points at Rs 5 lakh annual spend; 10,000 more at Rs 8 lakh","other_freebies":"Concierge","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"NRI customers; bill paid only by auto-debit from an RBL NRE savings account; apply via branch or relationship manager","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/iglobe-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-iglobe-credit-card.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":479,"depth":"full","slug":"rbl-iglobe","url":"https://m16s.in/cards/rbl-iglobe/"},{"issuer":"RBL Bank","card_name":"Platinum Maxima","cobrand_partner":null,"networks":["Mastercard","Visa"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":2000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"8,000 points after a swipe in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":null,"accelerated_earn":"10 points per Rs 100 on dining, grocery, entertainment and international","reward_caps":"1,000 points per month on accelerated categories","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: point value not stated; the page claims 2.7% value back on grocery and dining, which implies about Rs 0.27 per point.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter","lounge_international":"None stated","lounge_conditions":"Needs Rs 35,000 spend in the previous calendar quarter","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"10,000 points at Rs 2.5 lakh annual spend; 10,000 more at Rs 4 lakh","other_freebies":"BookMyShow: 1 free ticket up to Rs 100 a month on buying 2 or more","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-maxima-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-platinum-maxima.pdf"],"source_quality":"primary","unverified_fields":["networks"],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":480,"depth":"full","slug":"rbl-platinum-maxima","url":"https://m16s.in/cards/rbl-platinum-maxima/"},{"issuer":"RBL Bank","card_name":"Platinum Delight","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"4,000 points after a swipe in 30 days and fee payment","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":null,"accelerated_earn":"4 points per Rs 100 on weekends","reward_caps":"Weekend bonus max 1,000 points per month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: point value not stated on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated","lounge_international":"None stated","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 150/month","milestone_benefits":"1,000 bonus points for 5 transactions of Rs 1,000+ in a calendar month","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-delight-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/api/v1/doc/document/credit-cards/terms-conditions-platinum-delight.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":481,"depth":"full","slug":"rbl-platinum-delight","url":"https://m16s.in/cards/rbl-platinum-delight/"},{"issuer":"RBL Bank","card_name":"Monthly Treats","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","shopping"],"status":"closed-to-new","joining_fee":0,"annual_fee":1200,"fee_waiver_spend":null,"fee_notes":"Rs 100 + GST per month; next month's fee waived on Rs 5,000 eligible spend in a calendar month","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.2,"accelerated_earn":"5X points online; 10% cashback on Zomato, Myntra, Uber","reward_caps":"Cashback Rs 300 per brand, Rs 900 per month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"Up to Rs 0.20 per point","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.20.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 150/month","milestone_benefits":"Rs 1,000 voucher at Rs 2 lakh annual spend; Rs 5,000 voucher at Rs 5 lakh","other_freebies":"BookMyShow 10% off up to Rs 300 once a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/monthly-treats-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/pdfs/terms-monthly-treats-card-5-dec-19.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Issuer page states applications for Monthly Treats are no longer accepted and points applicants to Cookies. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":482,"depth":"full","slug":"rbl-monthly-treats","url":"https://m16s.in/cards/rbl-monthly-treats/"},{"issuer":"RBL Bank","card_name":"IRCTC RBL Bank","cobrand_partner":"IRCTC","networks":["RuPay"],"segment":"entry","card_type":["travel","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"500 points for spending above Rs 500 in the first 30 days, after fee payment","reward_currency":"Reward Points","base_earn":"1 point per Rs 200","base_return_pct":0.5,"accelerated_earn":"5 points per Rs 200 on IRCTC train tickets; 2 per Rs 200 on IRCTC flights and hotels; 3 per Rs 200 on FASTag recharge via RBL channels, NCMC reload, UTS app","reward_caps":null,"reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":"1 point = Re 1, redeemable only on the IRCTC website and app","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 200 x Re 1; 2.5% on IRCTC train tickets. No redemption fee per MITC. The listing headline '1 reward point per Re 1' refers to point value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 railway lounge visits a year (2 per quarter); no airport lounge stated","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"1% transaction charge reversal up to Rs 200 on IRCTC transactions up to Rs 5,000; ticket cancellation protection Rs 5,000","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/irctc-rbl-bank-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-irctc-rbl-bank-rupay-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"IRCTC payment gateway charges of up to 1.8% apply on rail tickets (MITC). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":483,"depth":"full","slug":"irctc-rbl-bank","url":"https://m16s.in/cards/irctc-rbl-bank/"},{"issuer":"RBL Bank","card_name":"Jalsa","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","shopping","upi"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"Rs 1,000 quick-commerce voucher after a transaction in 30 days and fee payment (a banner mentions 5,000 points instead)","reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"5% cashback on Blinkit, Zepto, Myntra, Swiggy, Zomato, Meesho, Urban Company, Flipkart, AJIO","reward_caps":"Rs 50 per transaction; Rs 500 per calendar month","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: base earn rate not stated on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"2,500 points on Rs 3 lakh annual spend (worth a Rs 500 voucher); must be claimed within 60 days","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/jalsa-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-rbl-bank-jalsa-credit-card.pdf"],"source_quality":"primary","unverified_fields":["welcome_benefit"],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":484,"depth":"fees-only","slug":"rbl-jalsa","url":"https://m16s.in/cards/rbl-jalsa/"},{"issuer":"RBL Bank","card_name":"Aspire Banking","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":0,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"Rs 1,500 a year; waived for RBL Aspire Banking customers","welcome_benefit":"None stated","reward_currency":"Cashback","base_earn":"1% cashback on eligible purchases","base_return_pct":1.0,"accelerated_earn":"3% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal","reward_caps":"1% tier capped at Rs 1,000 per billing month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"Cashback credited to the RBL savings account","points_expiry":null,"reward_notes":"base_return_pct = 1% cashback. No redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter","lounge_international":"None stated","lounge_conditions":"Needs Rs 35,000 eligible spend","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 1,500 cashback at Rs 3 lakh annual eligible spend; Rs 3,000 more at Rs 5 lakh","other_freebies":"BookMyShow buy 1 get 1 up to Rs 150 once a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"RBL Aspire Banking customers","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/aspire-banking-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-aspire-banking-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":485,"depth":"full","slug":"rbl-aspire-banking","url":"https://m16s.in/cards/rbl-aspire-banking/"},{"issuer":"RBL Bank","card_name":"Signature Banking","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["cashback"],"status":"open","joining_fee":0,"annual_fee":2500,"fee_waiver_spend":null,"fee_notes":"Rs 2,500 a year; waived for RBL Signature Banking customers","welcome_benefit":"None stated","reward_currency":"Cashback","base_earn":"1% cashback on eligible purchases","base_return_pct":1.0,"accelerated_earn":"4% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal","reward_caps":"1% tier capped at Rs 1,500 per billing month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"Cashback credited to the RBL savings account","points_expiry":null,"reward_notes":"base_return_pct = 1% cashback. No redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"2 per year via Priority Pass","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 250/month","milestone_benefits":"Rs 2,000 cashback at Rs 4 lakh annual eligible spend; Rs 4,000 more at Rs 6 lakh","other_freebies":"BookMyShow buy 1 get 1 up to Rs 250 once a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"RBL Signature Banking customers","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/signature-banking-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-signature-banking-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":486,"depth":"full","slug":"rbl-signature-banking","url":"https://m16s.in/cards/rbl-signature-banking/"},{"issuer":"RBL Bank","card_name":"Apex","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Rs 1,000; nil if a new RBL savings account is opened","welcome_benefit":"Vouchers worth over Rs 1,000 (dine and fly) after a transaction in 30 days and fee payment","reward_currency":"Cashback","base_earn":"1% cashback on eligible purchases","base_return_pct":1.0,"accelerated_earn":"2% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal","reward_caps":"1% tier capped at Rs 500 per billing month","reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct = 1% cashback, capped at Rs 500 a month. No redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter","lounge_international":"None stated","lounge_conditions":"Needs Rs 35,000 eligible spend","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 1,000 cashback at Rs 2 lakh annual eligible spend; Rs 2,000 more at Rs 4 lakh","other_freebies":"BookMyShow buy 1 get 1 up to Rs 100 once a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/apex-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/terms-conditions-apex-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":487,"depth":"full","slug":"rbl-apex","url":"https://m16s.in/cards/rbl-apex/"},{"issuer":"RBL Bank","card_name":"QuickPay","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","rewards"],"status":"open","joining_fee":0,"annual_fee":99,"fee_waiver_spend":null,"fee_notes":"Rs 99 a year; physical card Rs 250 on request","welcome_benefit":"20% cashback on the first two UPI transactions within 15 days, capped at Rs 50","reward_currency":"Reward Points","base_earn":"1 point per Rs 200","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct null: point value not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":"Select existing RBL Bank credit cardholders only; no fresh KYC","source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-quick-pay-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-rbl-bank-quick-pay-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Not open to the general public: offered to select existing RBL cardholders as a UPI companion card. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":488,"depth":"full","slug":"rbl-quickpay","url":"https://m16s.in/cards/rbl-quickpay/"},{"issuer":"RBL Bank","card_name":"Shoppers Stop Gold","cobrand_partner":"Shoppers Stop","networks":["Visa"],"segment":"entry","card_type":["cobrand","shopping"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"Rs 1,000 welcome gift and Golden Glow membership (worth Rs 750); after fee payment","reward_currency":"Reward Points","base_earn":"4 points per Rs 200 on select shopping","base_return_pct":0.5,"accelerated_earn":"10 points per Rs 200 at Shoppers Stop (1.25%)","reward_caps":"1,500 points per month at Shoppers Stop; 500 points per month on other select shopping","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"1 point = Rs 0.25 at Shoppers Stop","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.25, capped at 500 points a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 500 voucher on Rs 1 lakh shopping per quarter; Rs 1,000 voucher on Rs 3.5 lakh a year; 1,000 bonus points on Rs 20,000 Shoppers Stop spend if previous quarter spend was Rs 50,000","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-shoppers-stop-gold-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-rbl-bank-shoppers-stop-gold-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":489,"depth":"full","slug":"rbl-shoppers-stop-gold","url":"https://m16s.in/cards/rbl-shoppers-stop-gold/"},{"issuer":"RBL Bank","card_name":"Shoppers Stop Platinum","cobrand_partner":"Shoppers Stop","networks":["Visa"],"segment":"mid","card_type":["cobrand","shopping"],"status":"open","joining_fee":0,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"Rs 2,000 Shoppers Stop voucher plus Rs 2,000 welcome gift, Platinum Aura membership (worth Rs 1,500), makeover; after fee payment","reward_currency":"Reward Points","base_earn":"4 points per Rs 200 on other select shopping","base_return_pct":1.0,"accelerated_earn":"10 points per Rs 200 at Shoppers Stop (2.5%)","reward_caps":"1,500 points per month at Shoppers Stop; 500 points per month on other select shopping","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"1 point = Rs 0.50 at Shoppers Stop","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Rs 0.50, capped at 500 points a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 1,000 voucher on Rs 1.5 lakh spend per quarter; Rs 1,500 voucher on Rs 5 lakh a year; 1,000 bonus points on Rs 20,000 Shoppers Stop spend if previous quarter spend was Rs 50,000","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-shoppers-stop-platinum-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-rbl-bank-shoppers-stop-platinum-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":490,"depth":"full","slug":"rbl-shoppers-stop-platinum","url":"https://m16s.in/cards/rbl-shoppers-stop-platinum/"},{"issuer":"RBL Bank","card_name":"Shoppers Stop Black","cobrand_partner":"Shoppers Stop","networks":["Visa"],"segment":"premium","card_type":["cobrand","shopping"],"status":"open","joining_fee":0,"annual_fee":10000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"Rs 3,000 Shoppers Stop voucher plus Rs 3,000 welcome gift, First Citizen Club Black membership (worth Rs 4,500), makeover; after fee payment","reward_currency":"Reward Points","base_earn":"4 points per Rs 200 on other select shopping","base_return_pct":2.0,"accelerated_earn":"15 points per Rs 200 at Shoppers Stop (7.5%)","reward_caps":"1,500 points per month at Shoppers Stop; 500 points per month on other select shopping","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"1 point = Re 1 at Shoppers Stop","points_expiry":null,"reward_notes":"base_return_pct = 4 points per Rs 200 x Re 1, on 'select shopping' only and capped at 500 points a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 1,500 voucher on Rs 2.5 lakh shopping per quarter; Rs 2,500 voucher on Rs 8 lakh a year; 1,000 bonus points on Rs 20,000 Shoppers Stop spend if previous quarter spend was Rs 75,000","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-shoppers-stop-black-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-rbl-bank-shoppers-stop-black-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":491,"depth":"full","slug":"rbl-shoppers-stop-black","url":"https://m16s.in/cards/rbl-shoppers-stop-black/"},{"issuer":"RBL Bank","card_name":"SalarySe UP","cobrand_partner":"SalarySe","networks":["RuPay"],"segment":"entry","card_type":["upi","cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":200000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"2,500 points on a first transaction of Rs 500 in 30 days; 2,000 more for 15 UPI transactions of Rs 500 in 30 days; 1,500 more for Rs 30,000 spend in 3 months","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.2,"accelerated_earn":"5X on UPI spends via the SalarySe platform; 10X on incremental UPI spend above Rs 20,000 a month","reward_caps":"5X capped at 1,000 points per month; 10X capped at 8,000 points per month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"Rs 0.20 per point on the SalarySe app (no fee); RBL portal redemption costs Rs 99 + GST","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.20; 1% at 5X, 2% at 10X.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/salaryse-up-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/tnc-salary-se-up-credit-card.pdf"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":492,"depth":"full","slug":"rbl-salaryse-up","url":"https://m16s.in/cards/rbl-salaryse-up/"},{"issuer":"RBL Bank","card_name":"TVS Credit RBL Bank","cobrand_partner":"TVS Credit","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"2,000 points on first transaction in 30 days","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 in-store","base_return_pct":null,"accelerated_earn":"2 points per Rs 100 online","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2X points on online purchases; railway lounge access; buy 1 get 1 BookMyShow","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/tvs-credit-rbl-bank-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":493,"depth":"partial","slug":"tvs-credit-rbl-bank","url":"https://m16s.in/cards/tvs-credit-rbl-bank/"},{"issuer":"RBL Bank","card_name":"TVS Credit RBL Bank Gold","cobrand_partner":"TVS Credit","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"6,000 points on first transaction","reward_currency":"Reward Points","base_earn":"2 points per Rs 100","base_return_pct":null,"accelerated_earn":"10 points per Rs 100 international","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per quarter on Rs 50,000 quarterly spend; 2 at Rs 75,000","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 5% cashback on EazyDiner; 5X points on international purchases; Rs 500 vouchers","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/tvs-credit-rbl-bank-gold-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":494,"depth":"full","slug":"tvs-credit-rbl-bank-gold","url":"https://m16s.in/cards/tvs-credit-rbl-bank-gold/"},{"issuer":"RBL Bank","card_name":"DMI Finance","cobrand_partner":"DMI Finance","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"2,000 points plus Rs 200 BookMyShow voucher","reward_currency":"Reward Points","base_earn":"1 point per Rs 100 offline","base_return_pct":null,"accelerated_earn":"2 points per Rs 100 online","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2,000 points and Rs 200 voucher to start; milestone benefits up to Rs 6,800","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/dmi-finance-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":495,"depth":"partial","slug":"rbl-dmi-finance","url":"https://m16s.in/cards/rbl-dmi-finance/"},{"issuer":"RBL Bank","card_name":"Patanjali Vishisht","cobrand_partner":"Patanjali","networks":[],"segment":"entry","card_type":["cobrand","cashback"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":150000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":"10% cashback at Patanjali stores, up to Rs 500 (Card Insider)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 10% cashback at Patanjali stores; first-transaction welcome rewards; annual fee reversal","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-patanjali-vishisht-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":496,"depth":"partial","slug":"rbl-patanjali-vishisht","url":"https://m16s.in/cards/rbl-patanjali-vishisht/"},{"issuer":"RBL Bank","card_name":"Patanjali Swarn","cobrand_partner":"Patanjali","networks":[],"segment":"entry","card_type":["cobrand","cashback"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":"10% cashback at Patanjali stores, up to Rs 750 (Card Insider)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Yes (count not read)","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 10% cashback at Patanjali stores; first-transaction welcome rewards; domestic lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-patanjali-swarn-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":497,"depth":"partial","slug":"rbl-patanjali-swarn","url":"https://m16s.in/cards/rbl-patanjali-swarn/"},{"issuer":"RBL Bank","card_name":"BankBazaar SaveMax","cobrand_partner":"BankBazaar","networks":[],"segment":"entry","card_type":["cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 10% instant BookMyShow discount; 10% Zomato cashback; 5X points on groceries","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-bankbazaar-savemax-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":498,"depth":"fees-only","slug":"rbl-bankbazaar-savemax","url":"https://m16s.in/cards/rbl-bankbazaar-savemax/"},{"issuer":"RBL Bank","card_name":"BankBazaar SaveMax Pro","cobrand_partner":"BankBazaar","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 10% instant BookMyShow discount; 10% Zomato cashback; 10X points on groceries","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-bankbazaar-savemax-pro-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":499,"depth":"fees-only","slug":"rbl-bankbazaar-savemax-pro","url":"https://m16s.in/cards/rbl-bankbazaar-savemax-pro/"},{"issuer":"RBL Bank","card_name":"Paisabazaar Duet","cobrand_partner":"Paisabazaar","networks":["Mastercard","Visa"],"segment":"entry","card_type":["cobrand","cashback","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil for cards onboarded after 1 Sep 2021; Rs 500 for earlier 'Paisa on Demand' cards","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on retail and online spend","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"Rs 500 cashback per calendar month","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":"Cashback credited to the statement","points_expiry":null,"reward_notes":"base_return_pct = 1% cashback, capped at Rs 500 a month.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Xpress Cash: loan within the card limit to a bank account via the RBL MyBank app","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-paisabazaar-duet-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/paisabazaar-duet-cc-tnc.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Issuer page has an apply option but does not confirm new-applicant availability. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":500,"depth":"full","slug":"rbl-paisabazaar-duet","url":"https://m16s.in/cards/rbl-paisabazaar-duet/"},{"issuer":"RBL Bank","card_name":"Paisabazaar Duet Plus","cobrand_partner":"Paisabazaar","networks":["Mastercard"],"segment":"entry","card_type":["cobrand","cashback"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":400000,"fee_notes":"Rs 1,499 + GST; next year's fee waived on Rs 4 lakh spend","welcome_benefit":"Rs 250 cashback after a purchase in 30 days and fee payment","reward_currency":"Cashback","base_earn":"1% cashback on other eligible purchases","base_return_pct":1.0,"accelerated_earn":"2.5% cashback on travel and dining","reward_caps":"Rs 500 per calendar month in total: Rs 200 on travel and dining, Rs 300 on others","reward_exclusions":"No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct = 1% cashback; caps make the maximum Rs 6,000 a year.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 100/month","milestone_benefits":null,"other_freebies":"BookMyShow 1+1 on weekend shows, once per billing cycle, up to Rs 200","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-paisabazaar-duet-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://webassets.rbl.bank.in/document/credit-cards/paisabazaar-duet-plus-cc-tnc.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":501,"depth":"full","slug":"rbl-paisabazaar-duet-plus","url":"https://m16s.in/cards/rbl-paisabazaar-duet-plus/"},{"issuer":"RBL Bank","card_name":"RBL Bank Credit Card (erstwhile MoneyTap)","cobrand_partner":"MoneyTap (former)","networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":200000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 1,000 Amazon voucher; 20% Zomato cashback; 2X rewards on online purchases","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/moneytap-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":502,"depth":"fees-only","slug":"rbl-bank-credit-card-erstwhile-moneytap","url":"https://m16s.in/cards/rbl-bank-credit-card-erstwhile-moneytap/"},{"issuer":"RBL Bank","card_name":"RBL Bank Black (erstwhile MoneyTap Black)","cobrand_partner":"MoneyTap (former)","networks":[],"segment":"mid","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 8,000 reward points; 10% BookMyShow discount; 5X rewards on online purchases","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/moneytap-black-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":503,"depth":"fees-only","slug":"rbl-bank-black-erstwhile-moneytap-black","url":"https://m16s.in/cards/rbl-bank-black-erstwhile-moneytap-black/"},{"issuer":"RBL Bank","card_name":"World Prime","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"12,000 points","reward_currency":"Reward Points","base_earn":"2 points per Rs 100 on all spends","base_return_pct":null,"accelerated_earn":"2X (4 points per Rs 100) online, capped at 1,000 points","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 12,000 welcome points; free monthly movie tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-prime-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"mixed","unverified_fields":["base_earn","welcome_benefit","accelerated_earn","status"],"date_read":"2026-10-11","notes":"Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Earn rates from Card Insider's RBL listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":504,"depth":"full","slug":"rbl-world-prime","url":"https://m16s.in/cards/rbl-world-prime/"},{"issuer":"RBL Bank","card_name":"Popcorn","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Free movie tickets monthly; weekly cashback; welcome movie tickets","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-popcorn-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Card Insider lists this card as discontinued. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":505,"depth":"fees-only","slug":"rbl-popcorn","url":"https://m16s.in/cards/rbl-popcorn/"},{"issuer":"RBL Bank","card_name":"Movies and More","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":150000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 500 monthly movie benefit on Rs 15,000 spend; 20 points per Rs 100 on Wednesday dining; fuel surcharge waiver up to Rs 100/month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-movies-and-more-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Listed on the issuer's card page with no closure notice; new-applicant availability not confirmed. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":506,"depth":"fees-only","slug":"rbl-movies-and-more","url":"https://m16s.in/cards/rbl-movies-and-more/"},{"issuer":"RBL Bank","card_name":"Blockbuster","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":3000,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 500 monthly movie benefit; 4 domestic lounge visits a year; fuel surcharge waiver up to Rs 150/month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-blockbuster-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Listed on the issuer's card page with no closure notice; new-applicant availability not confirmed. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":507,"depth":"fees-only","slug":"rbl-blockbuster","url":"https://m16s.in/cards/rbl-blockbuster/"},{"issuer":"RBL Bank","card_name":"Titanium Delight","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":0,"annual_fee":750,"fee_waiver_spend":150000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2,000 points on first purchase; up to 40X points on groceries, movies, pizza on Wednesdays; 4,000 bonus points on Rs 1.5 lakh spend","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/titanium-delight-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category","https://cardinsider.com/rbl-bank/"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Card Insider lists this card as discontinued. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":508,"depth":"fees-only","slug":"rbl-titanium-delight","url":"https://m16s.in/cards/rbl-titanium-delight/"},{"issuer":"RBL Bank","card_name":"Fun+","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":150000,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 500 BookMyShow discount; movie ticket plus Rs 100 food and beverage offer","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-fun-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Listed on the issuer's card page with no closure notice; new-applicant availability not confirmed. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":509,"depth":"fees-only","slug":"rbl-fun","url":"https://m16s.in/cards/rbl-fun/"},{"issuer":"RBL Bank","card_name":"MoCash","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2,000 points on activation in 30 days; 10% BookMyShow discount up to 15 times a year; Rs 1,000 voucher per Rs 1 lakh online spend (max 5 a year)","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/mocash-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","annual_fee"],"date_read":"2026-10-11","notes":"Listed on the issuer's card page with no closure notice; new-applicant availability not confirmed. Only the issuer's card listing entry and the MITC fee table were read for this card; product page not fetched (fetch budget ran out). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":510,"depth":"fees-only","slug":"rbl-mocash","url":"https://m16s.in/cards/rbl-mocash/"},{"issuer":"RBL Bank","card_name":"Platinum Choice","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":"2,000 points on fee payment and Rs 2,000 spend in 30 days (not on first-year-free cards)","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":0.25,"accelerated_earn":"2X points online","reward_caps":"Online bonus capped at 1,000 points","reward_exclusions":"No points on education, insurance, utilities, rent, fuel, wallet loads; also quasi-cash, railways, government, contracted services, Bills2Pay, EMI, cash","point_value":"Rs 0.11-0.25 per point depending on redemption category","points_expiry":null,"reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 0.25 best case.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"Rs 500-4,000 transactions, cap Rs 100/month","milestone_benefits":null,"other_freebies":"BookMyShow 10% off up to Rs 100 a month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-choice-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Issuer page shows no closure notice and no Bajaj Finserv branding; whether RBL sources this variant directly today is not confirmed. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":511,"depth":"full","slug":"rbl-platinum-choice","url":"https://m16s.in/cards/rbl-platinum-choice/"},{"issuer":"RBL Bank","card_name":"Platinum Classic","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2,000 welcome points; 1 point per Rs 100; fuel surcharge waiver up to Rs 100/month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-classic-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":512,"depth":"fees-only","slug":"rbl-platinum-classic","url":"https://m16s.in/cards/rbl-platinum-classic/"},{"issuer":"RBL Bank","card_name":"Platinum Advantage","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 2,000 welcome points; fuel surcharge waiver Rs 100/month; 20% BookMyShow discount","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-advantage-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":513,"depth":"fees-only","slug":"rbl-platinum-advantage","url":"https://m16s.in/cards/rbl-platinum-advantage/"},{"issuer":"RBL Bank","card_name":"Platinum ValuePlus","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 500 welcome voucher; second-year fee reversal on Rs 50,000 spend; fuel cashback","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-valueplus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":514,"depth":"fees-only","slug":"rbl-platinum-valueplus","url":"https://m16s.in/cards/rbl-platinum-valueplus/"},{"issuer":"RBL Bank","card_name":"Platinum ShopSmart","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 5% cashback on groceries; free monthly movie tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-shopsmart-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":515,"depth":"fees-only","slug":"rbl-platinum-shopsmart","url":"https://m16s.in/cards/rbl-platinum-shopsmart/"},{"issuer":"RBL Bank","card_name":"Platinum ShopDaily","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Spend-based annual fee reversal; welcome vouchers; grocery offer","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-shopdaily-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":516,"depth":"fees-only","slug":"rbl-platinum-shopdaily","url":"https://m16s.in/cards/rbl-platinum-shopdaily/"},{"issuer":"RBL Bank","card_name":"Platinum Plus","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Fuel surcharge waiver up to Rs 100/month; free monthly BookMyShow tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":517,"depth":"fees-only","slug":"rbl-platinum-plus","url":"https://m16s.in/cards/rbl-platinum-plus/"},{"issuer":"RBL Bank","card_name":"Platinum Bonus","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 6,000 welcome points; cash withdrawal up to available cash limit; second-year fee reversal on Rs 1 lakh spend","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-bonus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":518,"depth":"fees-only","slug":"rbl-platinum-bonus","url":"https://m16s.in/cards/rbl-platinum-bonus/"},{"issuer":"RBL Bank","card_name":"Platinum TravelEasy","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rs 1,000 welcome voucher; second-year fee reversal on Rs 1 lakh spend; Ola, Uber, fuel offers","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-traveleasy-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":519,"depth":"fees-only","slug":"rbl-platinum-traveleasy","url":"https://m16s.in/cards/rbl-platinum-traveleasy/"},{"issuer":"RBL Bank","card_name":"Platinum Prime","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 4,000 welcome points; free monthly movie tickets; 5% dining discount","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-prime-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":520,"depth":"fees-only","slug":"rbl-platinum-prime","url":"https://m16s.in/cards/rbl-platinum-prime/"},{"issuer":"RBL Bank","card_name":"Platinum Max","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 4,000 welcome points; free monthly movie tickets; 5% dining discount","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-max-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":521,"depth":"fees-only","slug":"rbl-platinum-max","url":"https://m16s.in/cards/rbl-platinum-max/"},{"issuer":"RBL Bank","card_name":"Binge","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":100000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 4,000 welcome points; free monthly movie tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/binge-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":522,"depth":"fees-only","slug":"rbl-binge","url":"https://m16s.in/cards/rbl-binge/"},{"issuer":"RBL Bank","card_name":"Platinum ShopGain","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":150000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 6,000 welcome points; free monthly movie tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-shopgain-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":523,"depth":"fees-only","slug":"rbl-platinum-shopgain","url":"https://m16s.in/cards/rbl-platinum-shopgain/"},{"issuer":"RBL Bank","card_name":"Platinum Edge","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1999,"fee_waiver_spend":200000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Annual rewards worth Rs 17,999+; free monthly BookMyShow tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-edge-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":524,"depth":"fees-only","slug":"rbl-platinum-edge","url":"https://m16s.in/cards/rbl-platinum-edge/"},{"issuer":"RBL Bank","card_name":"Platinum LifeEasy","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1999,"fee_waiver_spend":350000,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Ola/Uber offer; grocery and fuel offers; milestone vouchers","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-lifeeasy-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":525,"depth":"fees-only","slug":"rbl-platinum-lifeeasy","url":"https://m16s.in/cards/rbl-platinum-lifeeasy/"},{"issuer":"RBL Bank","card_name":"World Max","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: 12,000 welcome points; free monthly movie tickets; lounge access","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-max-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":526,"depth":"fees-only","slug":"rbl-world-max","url":"https://m16s.in/cards/rbl-world-max/"},{"issuer":"RBL Bank","card_name":"World Plus","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: BookMyShow buy 1 get 1 up to Rs 200; 10X points on dining and international spends; fuel surcharge waiver up to Rs 150/month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-plus-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":527,"depth":"fees-only","slug":"rbl-world-plus","url":"https://m16s.in/cards/rbl-world-plus/"},{"issuer":"RBL Bank","card_name":"EasySaver","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rewards on education and bill payments; fuel surcharge waiver","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/easysaver-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":528,"depth":"fees-only","slug":"rbl-easysaver","url":"https://m16s.in/cards/rbl-easysaver/"},{"issuer":"RBL Bank","card_name":"MyFirst","cobrand_partner":"Bajaj Finserv (former SuperCard range)","networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"Annual fee per MITC; waiver threshold per MITC (schedule of charges omits waivers for these variants)","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Issuer listing headline: Rewards on education and bill payments; fuel surcharge waiver up to Rs 100/month","interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/myfirst-credit-card","source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.rbl.bank.in/personal-banking/cards/credit-cards/category"],"source_quality":"primary","unverified_fields":["status","cobrand_partner"],"date_read":"2026-10-11","notes":"Variant name matches the former Bajaj Finserv RBL Bank SuperCard range (tie-up ended Dec 2024 per news headlines). The issuer still lists the card with no closure notice; new-applicant availability is not confirmed. Only the issuer listing entry and MITC fee table were read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":529,"depth":"fees-only","slug":"rbl-myfirst","url":"https://m16s.in/cards/rbl-myfirst/"},{"issuer":"RBL Bank","card_name":"LazyPay RBL Bank","cobrand_partner":"LazyPay","networks":[],"segment":"entry","card_type":["cobrand","lifetime-free"],"status":"closed-to-new","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf","https://www.desidime.com/discussions/rbl-lazypay-getting-discontinued-w-e-f-03-03-2025"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Nil annual fee per issuer MITC. A DesiDime thread title reports discontinuation from 3 Mar 2025; thread body not read. No reward terms documented. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":530,"depth":"fees-only","slug":"lazypay-rbl-bank","url":"https://m16s.in/cards/lazypay-rbl-bank/"},{"issuer":"RBL Bank","card_name":"Zomato Edition / Edition Classic","cobrand_partner":"Zomato","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/rbl-bank/","https://cardinsider.com/blog/rbl-bank-replaces-its-edition-credit-cards-with-the-shoprite-credit-card/"],"source_quality":"aggregator","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Card Insider lists Zomato Edition Classic and RBL Edition as discontinued; an article headline says Edition cards were replaced with ShopRite. Not in the current issuer MITC fee table. Article body not read. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":531,"depth":"fees-only","slug":"rbl-zomato-edition-edition-classic","url":"https://m16s.in/cards/rbl-zomato-edition-edition-classic/"},{"issuer":"RBL Bank","card_name":"Novio","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":"2,000 points on Rs 5,000 spend within 30 days","reward_currency":"Reward Points","base_earn":"1 point per Rs 100","base_return_pct":null,"accelerated_earn":"2 points per Rs 100 online","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":null,"source_other":["https://cardinsider.com/rbl-bank/"],"source_quality":"aggregator","unverified_fields":["annual_fee","welcome_benefit","base_earn","accelerated_earn","status"],"date_read":"2026-10-11","notes":"Listed by Card Insider only; not found in the issuer MITC fee table or issuer listing. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":532,"depth":"partial","slug":"rbl-novio","url":"https://m16s.in/cards/rbl-novio/"},{"issuer":"RBL Bank","card_name":"World Xclusive","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":1.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Appears only in the issuer MITC and schedule of charges: nil annual fee, 1.5% forex markup, no redemption fee. No product page or reward terms found. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":533,"depth":"fees-only","slug":"rbl-world-xclusive","url":"https://m16s.in/cards/rbl-world-xclusive/"},{"issuer":"RBL Bank","card_name":"Bajaj Finserv RBL Bank SuperCard (co-brand programme)","cobrand_partner":"Bajaj Finserv","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":0,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"12.5% of total amount due, min Rs 5, max Rs 1,300","cash_advance_fee":"2.5% min Rs 500","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf","source_other":["https://indiainfoline.com/news/banks/rbl-bank-and-bajaj-finance-end-co-branded-credit-card-partnership","https://www.business-standard.com/companies/news/bajaj-finance-exits-co-branded-credit-card-space-ends-tie-up-with-dbs-rbl-124120100416_1.html"],"source_quality":"aggregator","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Programme-level record. News headlines (bodies not read) report Bajaj Finance and RBL ended the co-brand tie-up in Dec 2024. The individual variants (Platinum Choice, ShopDaily, Binge, World Prime/Max/Plus etc.) are listed separately with MITC fees. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.","id":534,"depth":"fees-only","slug":"bajaj-finserv-rbl-bank-supercard-co-brand-programme","url":"https://m16s.in/cards/bajaj-finserv-rbl-bank-supercard-co-brand-programme/"},{"issuer":"State Bank of India (SBI Card)","card_name":"CASHBACK SBI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback","shopping"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Annual fee Rs 999 + taxes; renewal fee Rs 999 from second year, reversed if previous-year spend >= Rs 2,00,000 (product page and MITC). Add-on card fee nil.","welcome_benefit":"None","reward_currency":"Cashback (auto-credited to statement)","base_earn":"1% cashback on offline (POS) spends","base_return_pct":1.0,"accelerated_earn":"5% cashback on online spends","reward_caps":"Rs 2,000 per statement cycle on online (5%) and Rs 2,000 on offline (1%); Rs 4,000 total per cycle (as revised 1 Apr 2026)","reward_exclusions":"Merchant EMI and Flexipay EMI; utilities, insurance, fuel, rent, wallet, school and educational services, jewellery, railways; from 1 Apr 2026 also digital gaming (MCC 7993, 7994, 5816), tolls (MCC 4784), government (MCC 9222, 9311, 9402)","point_value":"Cashback in rupees","points_expiry":"Does not expire (issuer FAQ)","reward_notes":"Cashback accrues on posting date, is credited within two working days of statement generation and is reversed on refunds (can go negative). base_return_pct is the uncapped-category offline rate of 1%; online 5% holds only up to Rs 40,000 online spend per cycle. No redemption fee applies as credit is automatic.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle; fuel earns no cashback","milestone_benefits":"None","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/en/faq/cashback-sbi-card-faq.page","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf","https://cardinsider.com/sbi-card/cashback-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","lounge_domestic","lounge_international","eligibility"],"date_read":"2026-10-12","notes":"Product page (rendered 2026-10-12) confirms 5% online / 1% offline cashback, the Rs 2 lakh fee reversal, the fuel surcharge waiver terms and auto-credit within two working days of statement generation; its exclusion list (utilities, insurance, fuel, rent, wallets, education, jewellery, railways 'and more') is shorter than the issuer FAQ and 1 Apr 2026 notice already used here, and it states no cashback caps, so those fields stay as read from the FAQ/notice. The page footer says its information is correct as of July 2023. Network not stated beyond a 'Visa PayWave' line and generic 'Visa or Mastercard ATMs' text; no lounge benefit on the page. The issuer exclusion list is by MCC and the networks can reclassify merchants without notice. Switching another SBI card to this one wipes unredeemed reward points. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":535,"depth":"full","slug":"cashback-sbi-card","url":"https://m16s.in/cards/cashback-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplyCLICK SBI Card","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"Amazon.in e-gift card worth Rs 500 on payment of the annual (first-year) fee","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on all other (non-online) spends","base_return_pct":0.25,"accelerated_earn":"10X RP on online spends at exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq; 5X RP on all other online spends","reward_caps":"10X and 5X bonus points each capped at 10,000 per month (issuer notice, 1 Oct 2020)","reward_exclusions":"Rent, fuel, wallet loads, government, digital gaming, utilities, cash advance, balance transfer, EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page. Online 5X = 1.25%, partner 10X = 2.5%. Earlier partner cuts on record: Amazon 10X to 5X (Jan 2023), Lenskart (Apr 2023), EazyDiner (Nov 2023), Swiggy (Apr 2025, but the page read 2026-10-12 lists Swiggy at 10X again). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":"Rs 2,000 Cleartrip/Yatra e-voucher at Rs 1 lakh annual online spend and another at Rs 2 lakh annual online spend","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Age 18-65; income about Rs 20,000/month (aggregator)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/shopping/simplyclick-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-simplyclick-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_exclusions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Conflict: accelerated_earn previously (issuer notice, Apr 2025) put Swiggy at 5X and did not list Gyftr or Tata Cliq as 10X partners; the product page lists Swiggy, Gyftr and Tata Cliq among 10X partners, so the page list is used. The monthly 10,000-point caps are from the 2020 issuer notice; the page does not repeat them. Exclusions and eligibility are still from the aggregator (page silent). Page mentions a secured 'Advantage' variant. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":536,"depth":"full","slug":"simplyclick-sbi-card","url":"https://m16s.in/cards/simplyclick-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplyCLICK Advantage SBI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","shopping","secured"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"Rs 500 Amazon voucher after paying the Rs 499 annual fee, sent within 30 days; valid 12 months (issuer T&C booklet)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other (offline) spends","base_return_pct":0.25,"accelerated_earn":"10X at exclusive online partners; 5X on other online spends (issuer T&C booklet). Partner list per issuer notices: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra","reward_caps":"10X partner bonus and 5X online bonus each capped at 10,000 points per calendar month; standard points continue after the cap (issuer T&C booklet, from 1 Oct 2020)","reward_exclusions":"Cash advance, balance transfer, Encash, Flexipay, fuel; wallet loads (MCC 6540/6541); utility bills paid on the SBI Card site/app do not earn 5X; Amazon gift cards and Cleartrip affiliate-channel bookings do not earn 10X","point_value":"1 RP = Rs 0.25 (example in issuer T&C booklet; booklet says value may vary by variant)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25; 5X online = 1.25%, 10X partners = 2.5%. The issuer booklet does not state the base rate; 1 RP per Rs 100 is from the aggregator page at the Advantage URL, which describes the regular SimplyCLICK card. Issuer notices treat it alongside SimplyCLICK (same 10X partner list; EazyDiner cut Nov 2023; Rs 2,000 Cleartrip/Yatra vouchers at Rs 1 lakh and Rs 2 lakh online spend from Sep 2023). Online rent points cut from 5X to 1X from 1 May 2023. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"Rs 2,000 Cleartrip/Yatra e-voucher at Rs 1 lakh and at Rs 2 lakh annual online spend (issuer notice, Sep 2023)","other_freebies":null,"interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Issued against a fixed deposit with SBI (secured variant)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/shopping/simplyclick-advantage-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/simply-click-advantage-tnc-booklet.pdf","source_other":["https://www.sbicard.com/en/most-important-terms-and-conditions.page","https://www.paisabazaar.com/sbi-bank/sbi-simplyclick-advantage-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility","interest_rate_monthly_pct","base_earn","networks","base_return_pct"],"date_read":"2026-10-12","notes":"The issuer address for this card (shopping/simplyclick-advantage-sbi-card.page, read 2026-10-12) serves the SimplyCLICK SBI Card page, whose only reference to this card is the line \"Secured card variant 'Advantage' also available\". No field was changed or marked verified from it, because the page does not say the secured variant carries the same terms. For reference, that SimplyCLICK page gives 1 RP per Rs 100 on other spends (4 RP = Re 1), 10X with exclusive partners (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq), 5X on other online spends, Rs 500 Amazon.in e-gift card on annual fee payment, Rs 2,000 Cleartrip/Yatra e-vouchers at Rs 1 lakh and Rs 2 lakh annual online spend, and a 1% fuel waiver (Rs 500-3,000, cap Rs 100 per cycle); these agree with the values here, and its partner list adds Swiggy, Gyftr and Tata Cliq to the list recorded from issuer notices. Base earn rate therefore still rests on a page that describes the regular card. Welcome gift, 10X/5X structure, caps, exclusions, point value and fuel waiver read from the issuer's SimplyCLICK Advantage T&C booklet (dated June 2021, Ver FY22 08), so check for later changes. Base earn rate from an aggregator. The booklet quotes 3.50% a month finance charge for unsecured cards; the 2.75% secured rate here is still unconfirmed. Minimum fixed deposit not stated in any source read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":537,"depth":"full","slug":"simplyclick-advantage-sbi-card","url":"https://m16s.in/cards/simplyclick-advantage-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplySAVE SBI Card","cobrand_partner":null,"networks":["Visa","Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":"5,000 accelerated points per month","reward_exclusions":"Rent, government, fuel, wallet loads, digital gaming, EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/shopping/simplysave-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-simplysave-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","lounge_domestic","lounge_international"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. No conflicts with the earlier values. The accelerated-points cap, exclusions and the 'no lounge' entries are still from the aggregator (page silent on them). The address shopping/simplysave-advantage-card.page renders this same SimplySAVE page (it only says a secured 'Advantage' variant is also available), so it was not used for the SimplySAVE Advantage entry. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":538,"depth":"full","slug":"simplysave-sbi-card","url":"https://m16s.in/cards/simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplySAVE UPI SBI Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"2,000 RP (about Rs 500) on Rs 2,000 spend within 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150","base_return_pct":0.17,"accelerated_earn":"10 RP per Rs 150 on movies, dining, groceries, departmental stores","reward_caps":"5,000 accelerated points per month","reward_exclusions":"Cash advance, balance transfer, Encash, Flexipay, fuel, rent (MCC 6513), government (MCC 9399, 9311), digital gaming (MCC 5816, 7993, 7994)","point_value":"1 RP = Rs 0.25","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25; accelerated about 1.67%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per month; no reversal on UPI transactions","milestone_benefits":"None","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Age 18-65 salaried / 21-65 self-employed; income about Rs 20,000/month (aggregator)","source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-simplysave-credit-card/","https://www.sbicard.com/sbi-card-en/assets/media/images/personal/benefits/upi-page/upi-tnc-july23.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","reward_caps","point_value","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","eligibility","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page is script-rendered and returned no card content to the fetcher; fees, forex, interest and penalty fields are from the issuer MITC/KFS, benefit fields from the aggregator page listed. The issuer's RuPay-on-UPI T&C link was found but not opened. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":539,"depth":"full","slug":"simplysave-upi-sbi-card","url":"https://m16s.in/cards/simplysave-upi-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplySAVE Advantage SBI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","secured"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"500 bonus RP on Rs 1,000 spend within 30 days of issuance; Rs 100 cashback on first ATM withdrawal within 30 days (aggregator)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on other spends (aggregator; same page also says 1 RP per Rs 100)","base_return_pct":0.17,"accelerated_earn":"10 RP per Rs 150 on dining, movies, departmental stores, groceries","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Rs 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (lower of the two base rates the aggregator page gives; 1 RP per Rs 100 would be 0.25%). Accelerated 10 RP per Rs 150 = 1.67%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"None beyond renewal-fee reversal at Rs 1 lakh annual spend","other_freebies":null,"interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Issued against a fixed deposit (secured variant)","source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/sbi-simplysave-advantage-credit-card.html","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility","interest_rate_monthly_pct","base_earn","accelerated_earn","networks","welcome_benefit","base_return_pct","point_value","fuel_surcharge_waiver","milestone_benefits"],"date_read":"2026-10-11","notes":"Benefit fields from a BankBazaar page that contradicts itself on the earn rate (per Rs 150 in one section, per Rs 100 in another) and on network (Visa and Mastercard both mentioned). The welcome offer quoted there may be dated. Secured-card status and the 2.75% finance rate remain unconfirmed; the aggregator quotes 3.75%. Minimum fixed deposit not stated. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":540,"depth":"full","slug":"simplysave-advantage-sbi-card","url":"https://m16s.in/cards/simplysave-advantage-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card PRIME","cobrand_partner":null,"networks":["Visa","Mastercard","Amex"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Renewal fee reversed on Rs 3 lakh annual spend. Joining fee not waivable.","welcome_benefit":"Rs 3,000 e-gift voucher (choice of Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP [per Rs 100] on dining, departmental stores and grocery spends (one block of the page also lists movies); 20 RP per Rs 100 on birthday spends (day before, on and after birthday); 20 RP on utility bill standing instructions (after 3,000 points, 2 RP per Rs 100)","reward_caps":"Birthday points capped at 2,000 per calendar year (page). Accelerated points 7,500 per month (aggregator comment, not on page).","reward_exclusions":"Fuel, rent, wallet loads, government, digital gaming, EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP) against card outstanding","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page); 10 RP categories work out to 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year, max 2 per quarter, via Priority Pass","lounge_conditions":"Domestic lounge list is SBI Card's Set B (30 lounges) from 10 Jan 2026. Priority Pass visits beyond the free quota, and any domestic visit made through Priority Pass, cost up to USD 27 + tax.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Prime Pro cardholders: Rs 500); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"1-year Club ITC Silver tier; Priority Pass membership worth USD 99; Rs 1 lakh fraud liability cover; golf (4 complimentary green-fee rounds, up to 50% off games, 1 lesson a month) listed under Mastercard; network dining/app offers. Rs 50 lakh air accident cover withdrawn 15 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-prime-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","eligibility"],"date_read":"2026-10-31","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: networks was Visa, Mastercard, RuPay, Amex (cardinsider.com), page's Network section lists Mastercard, Visa and American Express (its lounge-list links do include RuPay); movies as a 10 RP category: stated by the aggregator; the page lists it in one block and omits it in another; Club ITC Silver was described as for cards issued from 1 Sep 2025 (aggregator), page states no such date; air accident cover: page still shows 'Complimentary air accident liability cover of Rs. 50 lakhs', the issuer notice says it was withdrawn on 15 Jul 2025; the notice is kept. The same page text is served at rewards/sbi-card-prime.page and rewards/sbi-card-prime-advantage.page; it says a secured 'Advantage' variant is also available. Page does not state the wider exclusion list or the Priority Pass per-visit charge. Amex variant cannot draw cash at domestic ATMs (issuer notice, Jan 2022). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":541,"depth":"full","slug":"sbi-card-prime","url":"https://m16s.in/cards/sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card PRIME Advantage","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","secured"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Renewal fee reversed on Rs 3 lakh annual spend.","welcome_benefit":"Rs 3,000 e-gift voucher (Hush Puppies, Bata, Shoppers Stop, Yatra or Pantaloons)","reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"10 RP per Rs 100 on groceries, dining, movies, departmental stores; 20 RP per Rs 100 on birthday; aggregator also lists 20 RP per Rs 100 on utility bills (2 RP after 3,000 points) and 15 RP per Rs 100 on BigBasket, which may be dated","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":"Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year","lounge_international":"4 per year via Priority Pass, max 2 per quarter","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"Rs 1,000 Pizza Hut e-voucher at Rs 50,000 spend in a calendar quarter; Rs 7,000 Pantaloons/Yatra e-voucher at Rs 5 lakh annual spend","other_freebies":"Golf: 4 green-fee rounds a year, 1 lesson a month (Visa/Mastercard). Aggregator still lists Trident Privilege Red Tier and Club Vistara Silver, likely out of date.","interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Issued against a fixed deposit (secured variant)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime-advantage.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.bankbazaar.com/credit-card/sbi-prime-advantage-credit-card.html","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility","interest_rate_monthly_pct","accelerated_earn","networks","lounge_domestic","welcome_benefit","milestone_benefits","lounge_international","other_freebies"],"date_read":"2026-10-12","notes":"The issuer address for this card (rewards/sbi-card-prime-advantage.page, read 2026-10-12) serves the SBI Card PRIME page, whose only reference to this card is the line \"Secured card variant 'Advantage' also available\". No field was changed or marked verified from it, because the page does not say the secured variant carries the same terms. For reference, that PRIME page gives 2 RP per Rs 100 base (4 RP = Re 1), 10 RP on dining, departmental stores and grocery, 20 RP on birthday spends, 8 domestic and 4 international lounge visits a year, a 1% fuel waiver (Rs 500-4,000, cap Rs 250 per cycle) and the same milestones as recorded here; base_earn, point_value and fuel waiver are left null here. Benefit fields from BankBazaar's PRIME Advantage page; it states no base earn rate, point value, fuel waiver or fixed-deposit minimum, so base_earn stays null rather than copied from SBI Card PRIME. Secured status and the 2.75% finance rate remain unconfirmed; the aggregator quotes 3.75%. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":542,"depth":"fees-only","slug":"sbi-card-prime-advantage","url":"https://m16s.in/cards/sbi-card-prime-advantage/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card ELITE","cobrand_partner":null,"networks":["Visa","Mastercard","Amex"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Renewal fee reversed on Rs 10 lakh annual spend.","welcome_benefit":"Rs 5,000 e-gift voucher (choice of Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends, except fuel (international spends also 2 RP per Rs 100)","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":"Accelerated points 10,000 per month","reward_exclusions":"Fuel, merchant EMI, Flexipay, wallet loads, cash advance, balance transfer; rent, government, digital gaming","point_value":"4 RP = Re 1 (Rs 0.25 per RP) against card outstanding","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page); 5X categories work out to 2.5% on that basis. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (8 per year)","lounge_international":"6 per calendar year, max 2 per quarter, via Priority Pass","lounge_conditions":"Priority Pass membership (worth USD 99) valid for 2 years only; visits beyond the free quota cost USD 27 + taxes each.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Bonus RP: 10,000 each at Rs 3 lakh and Rs 4 lakh, 15,000 each at Rs 5 lakh and Rs 8 lakh annual spend (up to 50,000 RP worth Rs 12,500 a year); annual fee reversal at Rs 10 lakh","other_freebies":"Free movie tickets worth Rs 6,000 a year (primary card only); 1-year Club ITC Silver tier (after first transaction within 60 days of issuance); concierge; Rs 1 lakh fraud liability cover; golf (4 complimentary green-fee rounds, up to 50% off games, 1 lesson a month) listed under Mastercard; network dining/app offers. Rs 1 crore air accident cover withdrawn 15 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-elite-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: networks was Visa, Mastercard, RuPay, Amex (cardinsider.com), page's Network section lists Mastercard, Visa and American Express only. Aggregator details the page does not state: accelerated cap of 10,000 points a month, wider exclusion list, movie benefit as 2 tickets a month at Rs 250 each, lounge access for primary cardholder only. The same page text is served at lifestyle/sbi-card-elite.page and lifestyle/sbi-card-elite-advantage.page; it says a secured 'Advantage' variant is also available. Amex variant cannot draw cash at domestic ATMs (issuer notice, Jan 2022). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":543,"depth":"full","slug":"sbi-card-elite","url":"https://m16s.in/cards/sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card ELITE Advantage","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","secured"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Renewal fee reversed on Rs 10 lakh annual spend.","welcome_benefit":"Rs 5,000 e-gift voucher (Hush Puppies/Bata, Yatra, Aditya Birla Fashion, Pantaloons or Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.5,"accelerated_earn":"5X (10 RP per Rs 100) on dining, departmental stores, groceries","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = Rs 0.25 (aggregator: 50,000 RP = Rs 12,500)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25; accelerated 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"6 per year, max 2 per quarter, via Priority Pass","lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":null,"milestone_benefits":"Bonus RP: 10,000 at Rs 3 lakh, 10,000 at Rs 4 lakh, 15,000 at Rs 5 lakh, 15,000 at Rs 8 lakh annual spend (up to 50,000 a year)","other_freebies":"Movie tickets worth Rs 6,000 a year (2 tickets per booking per month, max Rs 250 per ticket); Priority Pass membership. Aggregator also lists Trident Privilege Red Tier and Club Vistara Silver, which may be out of date (Vistara merged into Air India in Nov 2024).","interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Issued against a fixed deposit (secured variant)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/lifestyle/sbi-card-elite-advantage.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/sbi-elite-advantage-credit-card.html","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility","interest_rate_monthly_pct","forex_markup_pct","base_earn","accelerated_earn","networks","lounge_domestic","lounge_international","welcome_benefit","base_return_pct","point_value","milestone_benefits","other_freebies"],"date_read":"2026-10-12","notes":"The issuer address for this card (lifestyle/sbi-card-elite-advantage.page, read 2026-10-12) serves the SBI Card ELITE page, whose only reference to this card is the line \"Secured card variant 'Advantage' also available\". No field was changed or marked verified from it, because the page does not say the secured variant carries the same terms. For reference, the earlier values here agree with that ELITE page on fees, welcome voucher, 2 RP base and 5X categories, milestones, lounge counts and 1.99% forex; the ELITE page also lists a 1% fuel surcharge waiver (Rs 500-4,000, cap Rs 250 per cycle) and Mastercard/Visa/Amex networks, left unfilled here. Benefit fields from BankBazaar's ELITE Advantage page; it does not mention the fixed deposit, the fuel waiver or the network, and lists joining fee as nil against Rs 4,999 in the issuer MITC. Secured status, 2.75% rate and 1.99% forex (the KFS says 'ELITE cards'; the aggregator also says 1.99%) should be confirmed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":544,"depth":"full","slug":"sbi-card-elite-advantage","url":"https://m16s.in/cards/sbi-card-elite-advantage/"},{"issuer":"State Bank of India (SBI Card)","card_name":"AURUM","cobrand_partner":null,"networks":[],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":9999,"annual_fee":9999,"fee_waiver_spend":1200000,"fee_notes":"Renewal fee reversed on Rs 12 lakh annual spend.","welcome_benefit":"40,000 RP (about Rs 10,000); 1-year Club Marriott and Mint/WSJ digital subscriptions (issuer notice, Aug 2023)","reward_currency":"Reward Points","base_earn":"4 RP per Rs 100","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"No expiry (MITC)","reward_notes":"No redemption fee on AURUM (MITC; waived from 1 Aug 2022). base_return_pct = 4 RP per Rs 100 x Rs 0.25. Aggregator lists conversion options at 5 RP : 1 Maharaja Club point, 5 RP : 1 Club ITC Green point, 5 RP : 1 Avios, 4 RP : 1 AirAsia point.","transfer_partners":["Air India Maharaja Club","Club ITC","Avios","AirAsia"],"transfer_ratio":"5 RP : 1 for Maharaja Club, Club ITC and Avios; 4 RP : 1 AirAsia (aggregator)","lounge_domestic":"4 per quarter","lounge_international":"Unlimited via DreamFolks membership, plus 1 guest visit per quarter","lounge_conditions":"DreamFolks physical card discontinued 1 Mar 2024; access through aurumcreditcard.com or app (issuer notice).","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% fuel surcharge waiver across fuel stations (limits not stated)","milestone_benefits":"Rs 1,500 Tata CLiQ voucher on Rs 1 lakh monthly spend; Rs 5,000 Tata CLiQ Luxury voucher at Rs 5 lakh annual spend; Rs 10,000 Taj voucher at Rs 10 lakh; Rs 20,000 Apple voucher at Rs 20 lakh","other_freebies":"4 BookMyShow tickets a month (Rs 250 each); 16 golf rounds and 12 lessons a year; airport spa once a quarter; concierge; flight-cancellation cover; Rs 10 lakh fraud cover. Removed over time: Amazon Prime, Discovery+, Zomato Pro, EazyDiner Prime, Lenskart Gold, bbstar, DLF Club.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Invite only; aggregator cites income of Rs 40 lakh a year or more","source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-aurum-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","base_earn","transfer_partners","transfer_ratio","lounge_domestic","lounge_international","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","base_return_pct","point_value"],"date_read":"2026-10-11","notes":"Card replacement costs Rs 1,500. Benefit fields are from an aggregator; fees, forex, expiry and redemption-fee waiver are from the issuer MITC and notices. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":545,"depth":"full","slug":"sbi-card-aurum","url":"https://m16s.in/cards/sbi-card-aurum/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card PULSE","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Renewal fee reversed on Rs 2 lakh annual spend.","welcome_benefit":"Noise ColorFit Pulse 4 Pro smartwatch worth Rs 7,999 on payment of joining fee","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 on chemist, pharmacy, sports, dining and movies","reward_caps":"Accelerated points 7,500 per month","reward_exclusions":"Fuel, wallet loads, cash, balance transfer, EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP) against card outstanding; also rewards catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"No complimentary visits stated; Priority Pass membership worth USD 99 for first two years","lounge_conditions":"Priority Pass visits up to USD 27 + tax each.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 1,500 e-voucher on Rs 4 lakh annual retail spend","other_freebies":"1-year FITPASS PRO and Netmeds First memberships on each renewal (subject to fee payment and at least one retail transaction); insurance: fraud liability Rs 1 lakh, loss of check-in baggage up to Rs 72,000 (USD 1,000), baggage delay Rs 7,500, loss of travel documents up to Rs 12,500, flight delay up to Rs 7,500. Rs 50 lakh air accident cover withdrawn 15 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Age 18-65; credit score 750+ (aggregator)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-card-pulse-credit-card/","https://www.sbicard.com/en/personal/credit-cards/lifestyle/sbi-card-pulse-sprint.page","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","lounge_conditions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: lounge_domestic was '8 per year, max 2 per quarter' (cardinsider.com), page says 4 a year, 1 per quarter; welcome_benefit carried two smartwatch models (page meta: Pulse 2 Max worth Rs 5,999; aggregator: Pulse 4 Pro worth Rs 7,999), rendered page says Pulse 4 Pro worth Rs 7,999; accelerated_earn omitted sports, page includes it; milestone voucher was described as a Netmeds e-voucher (cardinsider.com), page says only 'Rs 1,500 e-Voucher'. The same page text is served at lifestyle/sbi-card-pulse.page and lifestyle/sbi-card-pulse-sprint.page. Page footer says its information is correct as of July 2023. Page does not state caps, exclusions, the Priority Pass per-visit charge, network or eligibility. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":546,"depth":"full","slug":"sbi-card-pulse","url":"https://m16s.in/cards/sbi-card-pulse/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card MILES","cobrand_partner":null,"networks":["Mastercard","RuPay"],"segment":"mid","card_type":["travel","rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":600000,"fee_notes":"Renewal fee reversed on Rs 6 lakh spend in a membership year (only where the fee was levied in that renewal cycle).","welcome_benefit":"1,500 Travel Credits on spends of Rs 30,000 within 60 days of card issuance","reward_currency":"Travel Credits","base_earn":"1 Travel Credit per Rs 200 on other spends","base_return_pct":0.5,"accelerated_earn":"2 Travel Credits per Rs 200 on travel","reward_caps":"None stated","reward_exclusions":"Fuel, EMI, wallet upload, property rental, utilities and insurance","point_value":"1 Travel Credit = Re 1 for air miles / hotel points; Rs 0.50 for travel bookings; Rs 0.25 on Shop & Smile catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 1 Travel Credit per Rs 200 x Re 1; the page-stated value of Re 1 per Travel Credit for air miles / hotel points; halve it for travel bookings, quarter it for catalogue. Transfers take up to 21 days and are final; minimum 2,000 credits. Redemption fee Rs 99. Etihad Guest SBI cardholders were migrated to this range by 31 Mar 2026 (issuer notice).","transfer_partners":["Air India Maharaja Club","Etihad Guest","Air France-KLM Flying Blue","Air Canada Aeroplan","Qantas Frequent Flyer","Thai Royal Orchid Plus","SpiceJet SpiceClub","AirAsia","Qatar Airways Privilege Club","Turkish Miles&Smiles","United MileagePlus","Japan Airlines Mileage Bank","Ethiopian ShebaMiles","Saudia Alfursan","Air Arabia Air Rewards","IHG One Rewards","Wyndham Rewards","Orchid Hotels","Accor ALL","Club ITC","Shangri-La Circle"],"transfer_ratio":"Travel Credits : partner. 1:1 Air India, Etihad, Air France-KLM, Air Canada, Qantas, Thai, SpiceJet, AirAsia, IHG, Wyndham, Orchid Hotels; 2:1 Qatar, Turkish, United, JAL, Ethiopian, Saudia, Air Arabia, Accor, ITC Hotels; 6:1 Shangri-La (aggregator list; programme names inferred from airline/hotel names)","lounge_domestic":"4 per year, max 2 per quarter; 1 additional visit per Rs 1 lakh spent, additional visits capped at 8 per membership year","lounge_international":"No complimentary visits stated; Priority Pass membership worth USD 99 complimentary for first 2 years","lounge_conditions":"Extra domestic visits are spend-linked. Priority Pass visits USD 27 + taxes each.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"5,000 bonus Travel Credits on Rs 5 lakh annual spend; annual fee reversed at Rs 6 lakh in a membership year","other_freebies":"Priority Pass membership (first 2 years)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-card-miles/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility","transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: lounge_domestic was unclear on the aggregator ('4 per year' and '2 per quarter'), page says 4 a year with max 2 per quarter; other_freebies listed travel insurance cover (cardinsider.com, shared text for the range), this card's page lists no insurance cover; reward_exclusions included quasi-cash (cardinsider.com), page list does not. Transfer partner list and ratios are still from the aggregator; the page only links to a partner list. Network taken from the page lines naming Mastercard and RuPay for acceptance and lounge lists. The page's FAQ answer quotes Rs 4,999 as the annual and renewal fee while its fee table says Rs 1,499; Rs 1,499 (fee table, MITC) is kept. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":547,"depth":"full","slug":"sbi-card-miles","url":"https://m16s.in/cards/sbi-card-miles/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card MILES PRIME","cobrand_partner":null,"networks":["Mastercard","RuPay"],"segment":"premium","card_type":["travel","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":1000000,"fee_notes":"Renewal fee reversed on Rs 10 lakh annual spend.","welcome_benefit":"3,000 Travel Credits on spends of Rs 60,000 within 60 days of card issuance (page also carries a line saying credits are credited on payment of joining fee)","reward_currency":"Travel Credits","base_earn":"2 Travel Credits per Rs 200 on all other spends","base_return_pct":1.0,"accelerated_earn":"4 Travel Credits per Rs 200 on travel","reward_caps":"None stated","reward_exclusions":"Fuel, EMI, wallet loads, rent/property management, utilities, insurance, quasi-cash","point_value":"1 Travel Credit = Re 1 for air miles / hotel points; Rs 0.50 for travel bookings; Rs 0.25 on Shop & Smile catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 2 Travel Credits per Rs 200 x Re 1; the page-stated value of Re 1 per Travel Credit for air miles / hotel points; halve it for travel bookings, quarter it for catalogue. Transfers take up to 21 days and are final; minimum 2,000 credits. Redemption fee Rs 99. Etihad Guest SBI cardholders were migrated to this range by 31 Mar 2026 (issuer notice).","transfer_partners":["Air India Maharaja Club","Etihad Guest","Air France-KLM Flying Blue","Air Canada Aeroplan","Qantas Frequent Flyer","Thai Royal Orchid Plus","SpiceJet SpiceClub","AirAsia","Qatar Airways Privilege Club","Turkish Miles&Smiles","United MileagePlus","Japan Airlines Mileage Bank","Ethiopian ShebaMiles","Saudia Alfursan","Air Arabia Air Rewards","IHG One Rewards","Wyndham Rewards","Orchid Hotels","Accor ALL","Club ITC","Shangri-La Circle"],"transfer_ratio":"Travel Credits : partner. 1:1 Air India, Etihad, Air France-KLM, Air Canada, Qantas, Thai, SpiceJet, AirAsia, IHG, Wyndham, Orchid Hotels; 2:1 Qatar, Turkish, United, JAL, Ethiopian, Saudia, Air Arabia, Accor, ITC Hotels; 6:1 Shangri-La (aggregator list; programme names inferred from airline/hotel names)","lounge_domestic":"8 per year, max 2 per quarter; 1 additional visit per Rs 1 lakh spent, additional visits capped at 12 per membership year","lounge_international":"4 per year, max 2 per quarter, via Priority Pass (membership complimentary for first 2 years)","lounge_conditions":"Visits after the complimentary quota USD 27 + taxes. Domestic lounge list is SBI Card's Set B (30 lounges) from 10 Jan 2026.","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"10,000 bonus Travel Credits on Rs 8 lakh annual spend; annual fee reversal at Rs 10 lakh in a membership year","other_freebies":"Insurance: up to 6 flight cancellations a year (Rs 3,500 each), lost card liability up to Rs 1 lakh, loss of check-in baggage up to Rs 72,000, baggage delay Rs 7,500, loss of travel documents up to Rs 12,500, baggage damage up to Rs 5,000; Priority Pass membership. Air accident cover withdrawn from 15 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-card-miles-prime/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_exclusions","eligibility","transfer_partners","transfer_ratio"],"date_read":"2026-10-31","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: milestone_benefits had two aggregator figures (5,000 credits at Rs 5 lakh and 10,000 at Rs 8 lakh), page states only 10,000 bonus Travel Credits at Rs 8 lakh. Transfer partner list and ratios are still from the aggregator; the page only links to a partner list. Network taken from the page lines naming Mastercard and RuPay for acceptance and lounge lists. Page does not list reward exclusions (those recorded are from the aggregator). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":548,"depth":"full","slug":"sbi-card-miles-prime","url":"https://m16s.in/cards/sbi-card-miles-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card MILES ELITE","cobrand_partner":null,"networks":["Mastercard","RuPay"],"segment":"premium","card_type":["travel","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1500000,"fee_notes":"Renewal fee reversed on Rs 15 lakh annual spend.","welcome_benefit":"5,000 Travel Credits on spends of Rs 1 lakh within 60 days of card issuance (page also carries a line saying credits are credited on payment of joining fee)","reward_currency":"Travel Credits","base_earn":"2 Travel Credits per Rs 200 on all other spends","base_return_pct":1.0,"accelerated_earn":"6 Travel Credits per Rs 200 on travel","reward_caps":"None stated","reward_exclusions":"Fuel, EMI, wallet loads, rent/property management, utilities, insurance, quasi-cash","point_value":"1 Travel Credit = Re 1 for air miles / hotel points; Rs 0.50 for travel bookings; Rs 0.25 on Shop & Smile catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 2 Travel Credits per Rs 200 x Re 1; the page-stated value of Re 1 per Travel Credit for air miles / hotel points; halve it for travel bookings, quarter it for catalogue. Transfers take up to 21 days and are final; minimum 2,000 credits. Redemption fee Rs 99. Etihad Guest SBI cardholders were migrated to this range by 31 Mar 2026 (issuer notice).","transfer_partners":["Air India Maharaja Club","Etihad Guest","Air France-KLM Flying Blue","Air Canada Aeroplan","Qantas Frequent Flyer","Thai Royal Orchid Plus","SpiceJet SpiceClub","AirAsia","Qatar Airways Privilege Club","Turkish Miles&Smiles","United MileagePlus","Japan Airlines Mileage Bank","Ethiopian ShebaMiles","Saudia Alfursan","Air Arabia Air Rewards","IHG One Rewards","Wyndham Rewards","Orchid Hotels","Accor ALL","Club ITC","Shangri-La Circle"],"transfer_ratio":"Travel Credits : partner. 1:1 Air India, Etihad, Air France-KLM, Air Canada, Qantas, Thai, SpiceJet, AirAsia, IHG, Wyndham, Orchid Hotels; 2:1 Qatar, Turkish, United, JAL, Ethiopian, Saudia, Air Arabia, Accor, ITC Hotels; 6:1 Shangri-La (aggregator list; programme names inferred from airline/hotel names)","lounge_domestic":"8 per year, max 2 per quarter; 1 additional visit per Rs 1 lakh spent, additional visits capped at 15 per membership year","lounge_international":"6 per year, max 2 per quarter, via Priority Pass (membership complimentary for first 2 years)","lounge_conditions":"Visits after the complimentary quota USD 27 + taxes.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% waiver, cap Rs 500 per month","milestone_benefits":"20,000 bonus Travel Credits on Rs 12 lakh annual spend; annual fee reversal at Rs 15 lakh in a membership year","other_freebies":"Insurance: up to 6 flight cancellations a year (Rs 3,500 each), lost card liability up to Rs 1 lakh, loss of check-in baggage up to Rs 72,000, baggage delay Rs 7,500, loss of travel documents up to Rs 12,500, baggage damage up to Rs 5,000; Priority Pass membership. Air accident cover withdrawn from 15 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-elite.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/sbi-card-miles-elite/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_exclusions","fuel_surcharge_waiver","eligibility","transfer_partners","transfer_ratio"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: networks was RuPay only (cardinsider.com), page names Mastercard and RuPay; air accident cover: page still lists 'Air Accident cover up to Rs. 1 crore', the issuer notice says air accident cover on Miles Elite was withdrawn from 15 Jul 2025; the notice is kept. Transfer partner list and ratios are still from the aggregator; the page only links to a partner list. Network taken from the page lines naming Mastercard and RuPay for acceptance and lounge lists. Page does not mention a fuel surcharge waiver (value kept from the aggregator) or reward exclusions. Aggregator said Priority Pass is for the primary card only. Aggregator page describes a RuPay variant; other networks not confirmed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":549,"depth":"full","slug":"sbi-card-miles-elite","url":"https://m16s.in/cards/sbi-card-miles-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"PhonePe SBI Card PURPLE","cobrand_partner":"PhonePe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee reversed on spends of Rs 1 lakh or more in the previous membership year. Aggregator shows joining fee as zero under a limited-time offer.","welcome_benefit":"PhonePe gift card worth Rs 500","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other spends","base_return_pct":1.0,"accelerated_earn":"3 RP per Rs 100 on eligible PhonePe spends; 2 RP per Rs 100 on eligible online spends","reward_caps":"Monthly caps revised 1 Jul 2026. Issuer PDF lists: PhonePe spends max 1,000 RP, online max 1,000 RP, insurance max 250 RP, other spends max 750 RP (old/new columns not cleanly readable). Aggregator shows PhonePe 1,000 (750 non-insurance + 250 insurance), online 750, other 1,000.","reward_exclusions":"Wallet loads, fuel, rent/property management, school and education, government, digital gaming, finance charges, Encash, ATM cash, Flexipay, merchant EMI. From 1 Jul 2026 (issuer PDF) also: tolls (MCC 4784), gifts and souvenirs (5947), jewellery (5094, 5944), educational institutions (8220), and utilities (4900, 4814, 4899), insurance (5960, 6300, 6380) and UPI when not done in the PhonePe app","point_value":"1 RP = Re 1; redeem against vouchers or for cash","points_expiry":"1 year (aggregator); issuer MITC states 24 months generally","reward_notes":"base_return_pct = 1 RP per Rs 100 x Re 1 (both stated on the product page). Exempt from the 60,000-point monthly cap and 4,000-point multiple rule on statement-credit redemption (issuer notice).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"Yatra voucher worth Rs 3,000 on Rs 3 lakh annual spend","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-purple.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/phonepe-sbi-purple-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Purple-pdf-27Apr2026.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","points_expiry"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: fuel_surcharge_waiver was '1% on fuel txns Rs 500-4,000' (cardinsider.com), page says Rs 500-3,000 with a Rs 100 cap per statement cycle. Aggregator details the page does not state: PhonePe-spend categories (recharges, bill payments, utilities, insurance, travel), Scan & Pay earning the base rate, RuPay network, 1-year points expiry. Page lists no lounge benefit. Network shown by aggregator as RuPay (JCB). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":550,"depth":"full","slug":"phonepe-sbi-card-purple","url":"https://m16s.in/cards/phonepe-sbi-card-purple/"},{"issuer":"State Bank of India (SBI Card)","card_name":"PhonePe SBI Card SELECT BLACK","cobrand_partner":"PhonePe","networks":[],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":300000,"fee_notes":"Annual fee reversed on spends of Rs 3 lakh or more in the previous membership year. Aggregator shows joining fee as zero under a limited-time offer.","welcome_benefit":"PhonePe e-gift card worth Rs 1,500","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other spends","base_return_pct":1.0,"accelerated_earn":"10 RP per Rs 100 on eligible PhonePe spends; 5 RP per Rs 100 on eligible online spends","reward_caps":"Monthly caps revised 1 Jul 2026. Issuer PDF lists: PhonePe spends max 2,000 RP, online max 2,000 RP, insurance max 500 RP, other spends max 1,500 RP, plus an unlabelled 1,000 RP figure (old/new columns not cleanly readable). Aggregator shows PhonePe 2,000, online 1,000, other 2,000.","reward_exclusions":"Wallet loads, fuel, rent/property management, school and education, government, digital gaming, finance charges, Encash, ATM cash, Flexipay, merchant EMI. From 1 Jul 2026 (issuer PDF) also: tolls (MCC 4784), gifts and souvenirs (5947), jewellery (5094, 5944), educational institutions (8220), and utilities (4900, 4814, 4899), insurance (5960, 6300, 6380) and UPI when not done in the PhonePe app","point_value":"1 RP = Re 1; redeem against vouchers or for cash","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Re 1 (both stated on the product page). Exempt from the 60,000-point monthly cap and 4,000-point multiple rule on statement-credit redemption (issuer notice).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"No complimentary visits stated; Priority Pass membership worth USD 99 for first two years","lounge_conditions":"Domestic lounge list restricted to the issuer's shorter 16-lounge list from 10 Jan 2026 (issuer PDF names 'PhonePe SBI Card SELECT').","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Yatra e-voucher worth Rs 5,000 on Rs 5 lakh annual spend","other_freebies":"Priority Pass membership (2 years)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-select-black.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/phonepe-sbi-select-black-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Black-pdf-27Apr2026.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","points_expiry"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Aggregator details the page does not state: PhonePe-spend categories (recharges, bill payments, utilities, insurance, travel) and Scan & Pay earning the base rate. Page does not state the network. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":551,"depth":"full","slug":"phonepe-sbi-card-select-black","url":"https://m16s.in/cards/phonepe-sbi-card-select-black/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Flipkart SBI Card","cobrand_partner":"Flipkart","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","cashback","shopping"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":350000,"fee_notes":"Annual fee Rs 500 + taxes; renewal fee Rs 500 from second year, reversed if previous-year spend >= Rs 3,50,000. Joining fee waived on First-Year-Free cards (offer during select periods) (product page).","welcome_benefit":"Rs 250 Flipkart Gift Card on fee realisation; Rs 1,000 additional benefit on the first transaction on Flipkart (T&C linked)","reward_currency":"Cashback","base_earn":"1% cashback on all other eligible spends","base_return_pct":1.0,"accelerated_earn":"7.5% cashback on Myntra; 5% on Flipkart; 4% on preferred/select merchants (list linked from the page, not shown; Card Insider names Zomato, Uber, Netmeds, PVR); 12% off on Cleartrip (a discount, T&C linked)","reward_caps":"Rs 4,000 per quarter for each of the 7.5%, 5% and 4% tiers; minimum txn Rs 100","reward_exclusions":"Merchant EMI, Flexipay, fuel, rent, government, jewellery, insurance, education, gaming, wallet loads; EMI purchases on Flipkart/Cleartrip/Myntra","point_value":"Cashback in rupees","points_expiry":null,"reward_notes":"base_return_pct is the 1% base cashback stated on the product page. Cashback is adjusted in the statement; no redemption step.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 400 per statement cycle","milestone_benefits":"None","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/flipkart-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/flipkart-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","accelerated_earn","reward_caps","reward_exclusions","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","eligibility"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). The page states no cashback caps, exclusions or network; those stay from Card Insider and unverified, as does its 'not on RuPay, so no UPI linking' remark. The page lists no lounge or milestone benefit. Page vs earlier value (page used): accelerated_earn had '5% on Flipkart and Cleartrip' (Card Insider); the page's benefit list shows 5% cashback on Flipkart and '12% off on Cleartrip', though a video title on the same page still says 5% cashback on Cleartrip; old fuel waiver had no cap; page caps it at Rs 400 per statement cycle; welcome: page adds a Rs 1,000 first-transaction benefit to the Rs 250 gift card. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":552,"depth":"full","slug":"flipkart-sbi-card","url":"https://m16s.in/cards/flipkart-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Tata Neu Plus SBI Credit Card","cobrand_partner":"Tata Neu","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh net retail spend (retail spends minus reversals) in the 365 days before the fee billing date; reversal within 30 days of the fee being charged.","welcome_benefit":"499 NeuCoins within 15 days of joining fee realisation","reward_currency":"NeuCoins","base_earn":"1% NeuCoins on other spends, including UPI transactions","base_return_pct":1.0,"accelerated_earn":"2% NeuCoins on non-EMI spends at the Tata Neu app/website and partner Tata brands; extra up to 5% on select category spends on the Tata Neu app/website","reward_caps":null,"reward_exclusions":"Rent, government, education, fuel, wallet loads, Flexipay, cash advance, fees","point_value":"1 NeuCoin = Re 1 saving; redeemable on the Tata Neu app/website and partner Tata brands","points_expiry":null,"reward_notes":"base_return_pct is the page-stated 1% base rate at 1 NeuCoin = Re 1; NeuCoins are spendable only inside the Tata ecosystem. NeuCoins are auto-credited to the NeuPass account within 7 working days of the statement cycle; accrual follows a merchant-ID list reviewed monthly.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, 1 per quarter","lounge_international":"None","lounge_conditions":"Applicable on achieving Rs 50,000 spends in the previous quarter.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/lifestyle/tata-neu-plus-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/tata-neu-plus-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","lounge_international","milestone_benefits","other_freebies","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page does not state the network (earlier Visa/RuPay and 'UPI on RuPay variant only' are from the aggregator), caps or exclusions. Earlier lounge note pointed to the tatacard.com lounge list revised 10 Jan 2026. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":553,"depth":"full","slug":"sbi-card-tata-neu-plus-sbi-credit-card","url":"https://m16s.in/cards/sbi-card-tata-neu-plus-sbi-credit-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Tata Neu Infinity SBI Credit Card","cobrand_partner":"Tata Neu","networks":["Visa","RuPay"],"segment":"mid","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":300000,"fee_notes":"Renewal fee reversed on Rs 3 lakh net retail spend (retail spends minus reversals) in the 365 days before the fee billing date; reversal within 30 days of the fee being charged.","welcome_benefit":"1,499 NeuCoins within 15 days of joining fee realisation","reward_currency":"NeuCoins","base_earn":"1.5% NeuCoins on other spends, including UPI transactions (UPI on the RuPay variant)","base_return_pct":1.5,"accelerated_earn":"5% NeuCoins on non-EMI spends at the Tata Neu app/website and partner Tata brands; extra up to 5% on select category spends on the Tata Neu app/website","reward_caps":"Monthly: 2,000 NeuCoins each on grocery, insurance, utilities, telecom/cable; 500 NeuCoins on UPI","reward_exclusions":"Fuel, wallet loads, voucher and gift-card purchases, rent, cash advance, merchant EMI","point_value":"1 NeuCoin = Re 1 saving; redeemable on the Tata Neu app/website and partner Tata brands","points_expiry":null,"reward_notes":"base_return_pct is the page-stated 1.5% base rate at 1 NeuCoin = Re 1; NeuCoins are spendable only inside the Tata ecosystem. NeuCoins are auto-credited to the NeuPass account within 7 working days of the statement cycle; accrual follows a merchant-ID list reviewed monthly.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, 2 per quarter","lounge_international":"4 per year, 1 per quarter, via Priority Pass","lounge_conditions":"Domestic visits apply on achieving Rs 75,000 spends in the previous quarter. Priority Pass membership (worth USD 99) valid for 2 years only; visits beyond the free quota cost USD 27 + taxes each.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Priority Pass membership","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/lifestyle/tata-neu-infinity-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/tata-neu-infinity-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Network: the page confirms a RuPay variant (UPI earn applies to it); Visa comes from the aggregator and is not stated on the page. Aggregator details the page does not state: partner-brand list (Air India, BigBasket, Croma, Tata CLiQ, Taj, 1mg, Titan/Tanishq, Westside), monthly category caps, exclusions, domestic lounge spend condition waived in the issue quarter, guest Priority Pass charge. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":554,"depth":"full","slug":"sbi-card-tata-neu-infinity-sbi-credit-card","url":"https://m16s.in/cards/sbi-card-tata-neu-infinity-sbi-credit-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"BPCL SBI Card","cobrand_partner":"BPCL","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","fuel"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Joining fee Rs 499, renewal Rs 499 from second year; from 1 May 2026 the fee is reversed on Rs 1 lakh annual spend (raised from Rs 50,000). Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500), credited within 20 days of joining-fee payment","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other retail purchases","base_return_pct":0.25,"accelerated_earn":"13X RP on fuel at BPCL petrol pumps = 3.25% value back, 4.25% with the surcharge waiver; 5 RP per Rs 100 on dining, departmental stores, grocery and movies","reward_caps":"BPCL fuel 1,300 RP per billing cycle; dining/departmental/grocery/movies 5,000 RP per month","reward_exclusions":"Mobile wallet upload and non-BPCL fuel spends","point_value":"4 RP = Re 1 (Rs 0.25 per RP); redeem against fuel at BPCL outlets or the Shop n Smile catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page. The fuel cap of 1,300 RP means the 3.25% applies to about Rs 10,000 of BPCL fuel a cycle. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at BPCL petrol pumps (card swiped at POS), on txns up to Rs 4,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/bpcl-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/bpcl-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","other_freebies","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Conflict: networks was ['RuPay'] (Card Insider); the page says the card works at 'any outlet that accepts Visa or MasterCard' and does not mention RuPay, so Visa and Mastercard are recorded (a RuPay variant is not confirmed by the issuer page). reward_exclusions was 'UPI fuel payments at BPCL, wallet loads, rent (from 1 Jul 2023), cash, EMI, non-BPCL fuel' (Card Insider); the page names only mobile wallet upload and non-BPCL fuel. The earlier 'none on UPI fuel payments' rider on the surcharge waiver is not on the page; the page says the waiver applies only on swiping the card at POS machines. The Rs 1 lakh fee-reversal threshold from 1 May 2026 is confirmed by the page. 'No lounge' entries remain the aggregator's (page silent). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":555,"depth":"full","slug":"bpcl-sbi-card","url":"https://m16s.in/cards/bpcl-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"BPCL SBI Card Octane","cobrand_partner":"BPCL","networks":["Visa","Mastercard"],"segment":"mid","card_type":["cobrand","fuel"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Joining fee Rs 1,499, renewal Rs 1,499 from second year; renewal fee reversed if previous year's spend is Rs 2 lakh or more (within 30 days of the fee). Add-on card free.","welcome_benefit":"6,000 bonus RP (worth Rs 1,500) on payment of annual fee, credited within 30 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other retail purchases","base_return_pct":0.25,"accelerated_earn":"25 RP per Rs 100 at BPCL fuel, lubricants and Bharat Gas (website and app only) = 6.25% value back, 7.25% with the surcharge waiver; 10 RP per Rs 100 on dining, departmental stores, grocery and movies","reward_caps":"BPCL fuel 2,500 RP per billing cycle; Bharat Gas 500 RP per billing cycle; dining/departmental/grocery/movies 7,500 RP per month","reward_exclusions":"Mobile wallet upload and non-BPCL fuel spends","point_value":"4 RP = Re 1 (Rs 0.25 per RP); instant redemption at select BPCL pumps","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page. The fuel cap of 2,500 RP equals Rs 10,000 of BPCL fuel a cycle. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per calendar year, max 1 per quarter (Visa)","lounge_international":"None","lounge_conditions":"Domestic lounge list restricted to the issuer's shorter 16-lounge list from 10 Jan 2026 (issuer lounge PDF).","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at BPCL petrol pumps only (card swiped at POS), on txns up to Rs 4,000, cap Rs 100 per statement cycle","milestone_benefits":"Rs 2,000 e-gift voucher (Aditya Birla Fashion, Yatra or Bata/Hush Puppies) at Rs 3 lakh annual spend; renewal fee reversed at Rs 2 lakh","other_freebies":"Rs 1 lakh fraud liability cover","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Income above about Rs 30,000/month; score 750+ (aggregator)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/bpcl-sbi-card-octane.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/bpcl-sbi-card-octane/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["lounge_international","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. No conflicts on rates or caps. Changes: the page limits the 1% surcharge waiver to BPCL pumps (aggregator did not say so), adds a 500 RP per cycle cap on Bharat Gas, and names Aditya Birla Fashion / Yatra / Bata-Hush Puppies for the milestone voucher (aggregator also listed Urban Ladder). reward_exclusions was 'Non-BPCL fuel, wallet loads, rent, EMI' (Card Insider); the page names only mobile wallet upload and non-BPCL fuel, so rent and EMI are not page-confirmed for this card (issuer-wide MITC rules still apply). Networks set from the page's 'accepts Visa or MasterCard'. Eligibility and 'no international lounge' are still the aggregator's. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":556,"depth":"full","slug":"bpcl-sbi-card-octane","url":"https://m16s.in/cards/bpcl-sbi-card-octane/"},{"issuer":"State Bank of India (SBI Card)","card_name":"IndiGo SBI Card","cobrand_partner":"IndiGo","networks":["Mastercard","RuPay"],"segment":"mid","card_type":["cobrand","travel"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 1,499 + taxes; renewal fee Rs 1,499 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"2,500 IndiGo BluChips voucher after annual-fee payment and first transaction within 60 days of account opening","reward_currency":"IndiGo BluChips","base_earn":"1 BluChip per Rs 100 on all other spends","base_return_pct":null,"accelerated_earn":"3 BluChips per Rs 100 on IndiGo app and web; 2 per Rs 100 on hotel/lodging and travel MCCs","reward_caps":null,"reward_exclusions":"Other-spend earn excludes utility, government transactions, rental, fuel, gaming, cross-sell and insurance MCCs","point_value":"No rupee value stated; BluChips are auto-credited to the IndiGo BluChip account each statement cycle and BluChips vouchers redeem on the IndiGo app/website","points_expiry":null,"reward_notes":"base_return_pct left null: the page states earn rates but no rupee value for a BluChip.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"None","lounge_conditions":"Domestic visits need spends of Rs 50,000 in the last quarter.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000 (excl. GST), cap Rs 200 per statement cycle","milestone_benefits":"2,500 BluChips voucher each at Rs 2 lakh, Rs 4 lakh and Rs 6 lakh spend; renewal benefit of 2,500 BluChips voucher after annual-fee payment","other_freebies":"None","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/indigo-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/indigo-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_caps","lounge_international","other_freebies","eligibility","base_return_pct"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Networks from the page's 'any outlet that accepts MasterCard / RuPay' text. The page lists no international lounge benefit or other freebies ('None' kept as unverified). Page vs earlier value (page used): reward_exclusions (Card Insider) listed fuel, rent, utilities, wallet loads, gaming, government, cash, balance transfer, Flexipay; page lists utility, government, rental, fuel, gaming, cross-sell and insurance MCCs; lounge_domestic was '1 per quarter (aggregator text also says 4)' and conditions said the spend rule is waived in the issue quarter; page says 4 a year, max 1 per quarter, on Rs 50,000 spend in the last quarter, with no waiver mentioned; old fuel waiver had no cap; page caps it at Rs 200 per statement cycle; point_value carried an aggregator estimate of Rs 0.50-1.00 per BluChip; the page gives no value; Card Insider said no renewal benefit; page gives 2,500 BluChips voucher on renewal-fee payment. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":557,"depth":"full","slug":"indigo-sbi-card","url":"https://m16s.in/cards/indigo-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"IndiGo SBI Card ELITE","cobrand_partner":"IndiGo","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","travel"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"5,000 IndiGo BluChips voucher and one 6E Eats voucher after annual-fee payment and first transaction within 60 days of account opening; 4 6E Prime passes on spends of Rs 1,00,000 within 90 days of account opening","reward_currency":"IndiGo BluChips","base_earn":"2 BluChips per Rs 100 on all other spends","base_return_pct":null,"accelerated_earn":"7 BluChips per Rs 100 on IndiGo app and web; 3 per Rs 100 on hotel/lodging and travel MCCs","reward_caps":null,"reward_exclusions":"Other-spend earn excludes utility, government transactions, rental, fuel, gaming, cross-sell and insurance MCCs","point_value":"No rupee value stated; BluChips are auto-credited to the IndiGo BluChip account each statement cycle and BluChips vouchers redeem on the IndiGo app/website","points_expiry":null,"reward_notes":"base_return_pct left null: the page states earn rates but no rupee value for a BluChip.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"6 per year, max 2 per quarter","lounge_conditions":"Domestic visits need spends of Rs 1,00,000 in the last quarter.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 400 per statement cycle","milestone_benefits":"6,000 BluChips voucher each at Rs 3 lakh, 6 lakh, 9 lakh and 12 lakh spend; renewal benefit of 5,000 BluChips voucher and one 6E Eats voucher after annual-fee payment","other_freebies":"4 free flight cancellations a year, each up to Rs 3,000; lost baggage cover up to Rs 75,000; lost-card liability cover up to Rs 1 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/indigo-sbi-card-elite.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/indigo-sbi-elite-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","eligibility","base_return_pct","forex_markup_pct"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Networks from the page's 'any outlet that accepts MasterCard / RuPay' text. Forex markup is not on the page and stays flagged: the KFS groups this card near the 1.99% forex cards in one place while the MITC forex list omits it; aggregator says 3.5%. Page vs earlier value (page used): reward_exclusions (Card Insider) listed fuel, rent, utilities, wallet loads, gaming, government, cash, balance transfer, Flexipay; page lists utility, government, rental, fuel, gaming, cross-sell and insurance MCCs; welcome: page adds 4 6E Prime passes on Rs 1 lakh spend within 90 days; point_value carried an aggregator estimate of Rs 0.50-1.00 per BluChip; the page gives no value. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":558,"depth":"full","slug":"indigo-sbi-card-elite","url":"https://m16s.in/cards/indigo-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Apollo SBI Card SELECT","cobrand_partner":"Apollo 24|7","networks":["RuPay","Mastercard"],"segment":"mid","card_type":["cobrand","rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":300000,"fee_notes":"Renewal fee waived on Rs 3 lakh annual spend in the previous year; reversed within 30 days of the fee charge date.","welcome_benefit":"Apollo 24|7 e-gift voucher worth Rs 1,500 on payment of joining fee; 1-year FITPASS PRO membership (on joining fee payment and a retail transaction); in-built Apollo Circle benefits","reward_currency":"Reward Points (redeemed as Apollo Health Credits)","base_earn":"1 RP per Rs 200 on other purchases","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 on Apollo 24|7 and Apollo Pharmacy; 2 RP per Rs 100 on dining, movies & entertainment and travel","reward_caps":"5,000 RP per cycle on Apollo spends and 5,000 RP per cycle on dining/travel tier","reward_exclusions":null,"point_value":"1 RP = 1 Health Credit = Re 1; redeemable for Apollo Health Credits only","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 200 x Re 1 = 0.5% (both stated on the product page); usable only as Apollo Health Credits.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"No complimentary visits stated; 2-year Priority Pass membership worth USD 99","lounge_conditions":"Domestic lounge list restricted to the issuer's shorter 16-lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at all petrol pumps, cap Rs 100 per statement cycle (page gives no transaction range)","milestone_benefits":"Complimentary comprehensive health check-up package on Rs 50,000 spend within 90 days of joining and within 90 days of each card anniversary; Noise smartwatch worth Rs 7,999 on Rs 6 lakh annual spend","other_freebies":"Apollo Circle benefits including up to 25% value back on medicine purchases at Apollo 24|7 and Apollo Pharmacy; FITPASS PRO; Priority Pass membership (2 years)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/rewards/apollo-sbi-card-select.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/apollo-sbi-select-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: fuel_surcharge_waiver was '1% on fuel txns Rs 500-4,000' (cardinsider.com), page states a Rs 100 cap per statement cycle and no range; other_freebies was 'Apollo Circle: up to 15% back on medicines, 20% on diagnostics, Rs 1 lakh accident cover' (cardinsider.com), page says up to 25% value back on medicines at Apollo 24|7 and Apollo Pharmacy and lists no accident cover; health check-up was valued at Rs 1,999 by the aggregator, page gives no value. Page does not state the network (RuPay/Mastercard from the aggregator), caps or exclusions. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":559,"depth":"full","slug":"apollo-sbi-card-select","url":"https://m16s.in/cards/apollo-sbi-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"IRCTC SBI Card (RuPay)","cobrand_partner":"IRCTC","networks":["RuPay"],"segment":"entry","card_type":["cobrand","travel","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":"350 RP on a Rs 500 transaction within 45 days","reward_currency":"Reward Points (IRCTC)","base_earn":"1 RP per Rs 125 on non-fuel retail spend","base_return_pct":0.8,"accelerated_earn":"Up to 10% value back as RP on AC1, AC2, AC3, CC bookings on IRCTC site/app","reward_caps":null,"reward_exclusions":"Fuel; rent (from 1 Jul 2023)","point_value":"1 RP = Re 1 on IRCTC","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 125 x Re 1, redeemable on IRCTC. Aggregator also cites 1 RP per Rs 100 in one place. Redemption fee Rs 99.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 railway lounge visits per year, 1 per quarter (no airport lounge)","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per cycle","milestone_benefits":null,"other_freebies":"1% transaction-charge saving on IRCTC rail bookings; 500 RP on renewal","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/irctc-rupay-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","reward_caps","reward_exclusions","point_value","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","base_return_pct"],"date_read":"2026-10-11","notes":"Issuer product page is script-rendered and returned no card content to the fetcher; fees, forex, interest and penalty fields are from the issuer MITC/KFS, benefit fields from the aggregator page listed. MITC lists 'IRCTC SBI card' and 'IRCTC SBI Platinum Card' at Rs 500 each. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":560,"depth":"full","slug":"irctc-sbi-card-rupay","url":"https://m16s.in/cards/irctc-sbi-card-rupay/"},{"issuer":"State Bank of India (SBI Card)","card_name":"IRCTC SBI Platinum Card","cobrand_partner":"IRCTC","networks":["Visa"],"segment":"entry","card_type":["cobrand","travel"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 500 + taxes; renewal fee Rs 500 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"350 activation bonus RP on a single transaction of Rs 500 or more within 60 days of issuance (fuel and cash excluded), credited within 45 days","reward_currency":"Reward Points (IRCTC)","base_earn":"1 RP per Rs 125 on non-fuel retail purchases, including rail tickets on irctc.co.in and the IRCTC app","base_return_pct":0.8,"accelerated_earn":"Up to 10% value back as RP on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets bought through the IRCTC app and website","reward_caps":null,"reward_exclusions":"Fuel earns no points (page). Not on the page (aggregator / issuer notices): rent, wallet loads, cash advance, balance transfer, fees, merchant EMI, Flexipay, government","point_value":"1 RP = Re 1, redeemed on IRCTC","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 125 x Re 1 (both now from the product page) = 0.8%, redeemable for bookings on IRCTC. Railway Points earned before 22 Jan 2013 cannot be redeemed (issuer notice). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 railway lounge visits per year in India, max 1 per quarter, primary cardholder only; no airport lounge","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"500 RP on payment and realisation of renewal fee","other_freebies":"1% transaction-charge saving on rail tickets booked on irctc.co.in (not via partner sites)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/irctc-sbi-platinum-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.wishfin.com/irctc-sbi-platinum-card-6443/","https://www.paisabazaar.com/sbi-bank/sbi-irctc-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/travel/irctc-platinum-important-notice-110x195mm.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_exclusions","lounge_international"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Network confirmed by the page's 'look for the Visa sign of acceptance' text. Points move to the IRCTC loyalty account and are redeemed on the IRCTC website or Android app; points on IRCTC bookings are computed on base fare; a 1% charge on the refund amount applies when a rail ticket is cancelled; points are not credited if the loyalty account is blocked, inactive or suspended. Two aggregators quote a Rs 300 renewal fee against Rs 500 on the issuer page and MITC. IRCTC surcharge waiver was cut to 1% in Jun 2020 and rent stopped earning points from 1 Jul 2023 (issuer notices). The page is live with 'Apply Now' in its title; status open treated as confirmed. Page vs earlier value (page used): accelerated classes: issuer notice listed AC1, AC2, AC3 and AC Chair Car; page adds Executive Chair Car; renewal bonus of 500 RP was not recorded before. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":561,"depth":"full","slug":"sbi-card-irctc-sbi-platinum-card","url":"https://m16s.in/cards/sbi-card-irctc-sbi-platinum-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"IRCTC SBI Card Premier","cobrand_partner":"IRCTC","networks":["Visa"],"segment":"mid","card_type":["cobrand","travel"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Annual fee Rs 1,499, renewal Rs 1,499 from second year; fee reversed on Rs 2 lakh annual spend (within 30 days of the fee). Add-on card free.","welcome_benefit":"1,500 RP (worth Rs 1,500) on payment of the first annual fee, credited within 45 days","reward_currency":"Reward Points (IRCTC)","base_earn":"1 RP per Rs 125 on other non-fuel retail purchases","base_return_pct":0.8,"accelerated_earn":"Up to 10% value back as RP on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets via the IRCTC app/website; 5% back on air tickets at air.irctc.co.in; 5% back on e-catering at ecatering.irctc.co.in; 3 RP per Rs 125 on dining and standing instructions on utility spends","reward_caps":null,"reward_exclusions":"Fuel; rent","point_value":"1 RP = Re 1 (page: 1,500 RP worth Rs 1,500); points move to the IRCTC loyalty account and redeem on the IRCTC website/app","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 125 x Re 1 (earn rate and the Rs 1,500-for-1,500-points value both on the issuer page), redeemable on IRCTC. Redemption fee Rs 99.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"No airport lounge on the page; 8 railway lounge visits per year, max 2 per quarter","lounge_international":"None","lounge_conditions":"Railway lounge access for primary cardholders only.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle per card account","milestone_benefits":"2,500 RP at Rs 50,000 and 5,000 RP at Rs 1 lakh annual travel spends (eligible travel MCCs); annual fee reversed at Rs 2 lakh annual spend","other_freebies":"Rs 1 lakh fraud liability cover; 1% transaction-charge saving on rail tickets at irctc.co.in and 1.8% on air tickets at air.irctc.co.in. Rs 50 lakh air and Rs 10 lakh rail accident cover withdrawn 26 Jul 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/irctc-premier-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/irctc-sbi-card-premier/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","lounge_international","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Conflict: milestone_benefits was '5,000 RP on Rs 1 lakh annual spend' (Card Insider); the page ties both milestones to annual travel spends. New from the page: 5% back on IRCTC air and e-catering. Reward Points on IRCTC bookings are computed on the base fare; a 1% charge applies on refunds of cancelled rail tickets. reward_exclusions ('Fuel; rent') and 'no international lounge' remain the aggregator's; the page says only that earning is on non-fuel retail purchases. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":562,"depth":"full","slug":"irctc-sbi-card-premier","url":"https://m16s.in/cards/irctc-sbi-card-premier/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Reliance SBI Card","cobrand_partner":"Reliance Retail","networks":["RuPay","Mastercard"],"segment":"entry","card_type":["cobrand","shopping","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"Rs 500 Reliance Retail voucher on payment of joining fee, plus discount vouchers worth Rs 3,200 for participating Reliance Retail stores; delivered within 30 days of fee realisation","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other retail purchases (except fuel, property rental, wallet upload)","base_return_pct":0.25,"accelerated_earn":"10 RP per Rs 100 on AJIO and JioMart online stores; 5 RP per Rs 100 at other participating Reliance Retail stores; 5 RP per Rs 100 on dining and movies (Reliance rates exclude UPI payments)","reward_caps":null,"reward_exclusions":"Fuel, property rental, wallet upload; UPI payments excluded from Reliance accelerated rates","point_value":"1 RP = Rs 0.25","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"Reliance Retail vouchers on annual spends at participating Reliance Retail stores: Rs 500 at Rs 25,000, Rs 750 at Rs 50,000, Rs 1,000 at Rs 80,000 (Rs 2,250 in all); redeemable only at participating stores","other_freebies":"Transaction offers at participating Reliance Retail stores; RuPay/Mastercard network offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/reliance-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/reliance-sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_caps","lounge_domestic","lounge_international","lounge_conditions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: networks was RuPay only (cardinsider.com), page's Network section lists RuPay and Mastercard; fuel_surcharge_waiver was '1% on fuel txns Rs 500-4,000, cap Rs 100 per month' (cardinsider.com), page says Rs 500-3,000, cap Rs 100 per statement cycle; milestone tiers were not recorded (aggregator figures garbled), page gives Rs 500 / Rs 750 / Rs 1,000 at Rs 25,000 / Rs 50,000 / Rs 80,000. Milestone spends count only at participating Reliance Retail stores. Page lists no lounge benefit and states no caps. Same text is served at shopping/reliance-sbi-card.page. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":563,"depth":"full","slug":"reliance-sbi-card","url":"https://m16s.in/cards/reliance-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Reliance SBI Card PRIME","cobrand_partner":"Reliance Retail","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","shopping"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Renewal fee reversed on Rs 3 lakh annual spend.","welcome_benefit":"Rs 3,000 Reliance Retail voucher on payment of joining fee, plus discount vouchers worth Rs 11,999 for participating Reliance Retail stores; delivered within 30 days of fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail purchases (except fuel, property rental, wallet upload)","base_return_pct":0.5,"accelerated_earn":"20 RP per Rs 100 on AJIO and JioMart online stores; 10 RP per Rs 100 at other participating Reliance Retail stores (both exclude UPI payments); 5 RP per Rs 100 on dining, movies and entertainment, domestic airlines and international spends","reward_caps":null,"reward_exclusions":"Fuel, property rental, wallet upload; UPI payments excluded from Reliance accelerated rates","point_value":"1 RP = Rs 0.25; also redeemable against Reliance Retail vouchers","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, 2 per quarter","lounge_international":"4 per year, max 2 per quarter, via Priority Pass","lounge_conditions":"Priority Pass membership (worth USD 99) valid for 2 years only; visits beyond the free quota cost USD 27 + taxes each. Domestic lounge list restricted to issuer Set B from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 100 per statement cycle","milestone_benefits":"Reliance Retail vouchers on annual spends at participating Reliance Retail stores: Rs 1,500 at Rs 75,000, Rs 2,250 at Rs 1.5 lakh, Rs 5,000 at Rs 3 lakh (Rs 8,750 in all)","other_freebies":"1 free movie ticket a month (up to Rs 250, one transaction a month, convenience fee chargeable); Priority Pass membership; transaction offers at Reliance Retail stores; Mastercard/RuPay network offers","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/reliance-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/reliance-sbi-card-prime/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_caps","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: 5 RP category was 'dining, movies, entertainment, flights' (cardinsider.com), page says dining, movies & entertainment, domestic airlines and international; fuel waiver had no cap recorded, page says Rs 100 per statement cycle. Milestone spends count only at participating Reliance Retail stores. Aggregator said the movie ticket is via BookMyShow; the page does not name the platform. Page states no caps. Same text is served at shopping/reliance-sbi-card-prime.page. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":564,"depth":"full","slug":"reliance-sbi-card-prime","url":"https://m16s.in/cards/reliance-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Titan SBI Card","cobrand_partner":"Titan","networks":["RuPay"],"segment":"premium","card_type":["cobrand","shopping","upi"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999, renewal Rs 2,999 from second year; renewal fee reversed on Rs 3 lakh annual spend. Add-on card free.","welcome_benefit":"12,000 RP (worth Rs 3,000) on payment of annual fee","reward_currency":"Reward Points plus cashback at Titan brands","base_earn":"6 RP per Rs 100 on all categories outside Titan spends","base_return_pct":1.5,"accelerated_earn":"7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata; 5% cashback at Mia, CaratLane and Zoya; 3% value back as gift vouchers at Tanishq (quarterly caps apply)","reward_caps":"Per quarter: Rs 10,000 cashback on the 7.5% and 5% tiers; Rs 25,000 on Tanishq vouchers","reward_exclusions":"Fuel, wallet upload, property rental, utilities","point_value":"1 RP = Rs 0.25; redeemable against Titan vouchers or card outstanding (4 RP = Re 1)","points_expiry":"24 months","reward_notes":"base_return_pct = 6 RP per Rs 100 x Rs 0.25, both stated on the issuer page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per year, max 2 per quarter (Priority Pass membership complimentary for first 2 years)","lounge_conditions":"Domestic visits under the Visa lounge programme per the page. Domestic lounge list restricted to issuer Set B from 10 Jan 2026 (issuer lounge PDF).","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 3,000, cap Rs 100 per statement cycle","milestone_benefits":"Renewal fee reversed at Rs 3 lakh annual spend; Rs 5,000 gift voucher at Rs 5 lakh and a further Rs 10,000 at Rs 10 lakh annual spend (redeemable only at exclusive Titan stores)","other_freebies":"Priority Pass membership for first 2 years","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/shopping/titan-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/titan-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. No value conflicts with the earlier aggregator fields. The page says 'quarterly cap applicable' on the Titan-brand cashback tiers without figures, so reward_caps (Rs 10,000 / Rs 25,000 per quarter) is still the aggregator's. Network (RuPay) is still the aggregator's; the page only refers to the 'Visa Lounge Program'. The rendered page also carries two lines left over from another card's template ('10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Sports, Dining and Movies' and '2 Reward Points per Rs. 100 on all other spends', next to a balance-transfer line naming SBI Card PULSE); these were ignored in favour of the Titan-specific '6 Reward Points per Rs. 100'. Page footer: information 'correct as per July 2023'. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":565,"depth":"full","slug":"titan-sbi-card","url":"https://m16s.in/cards/titan-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Landmark Rewards SBI Card","cobrand_partner":"Landmark Group (Lifestyle, Max, Home Centre, SPAR)","networks":["Visa"],"segment":"entry","card_type":["cobrand","shopping"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 499 + taxes; renewal fee the same from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"2,000 bonus RP worth Rs 500 on payment of annual fee","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on other retail purchases","base_return_pct":0.25,"accelerated_earn":"10 RP per Rs 100 at online and retail Landmark stores (Lifestyle, Home Centre, Max, Spar, Baby Shop, EasyBuy); 5 RP per Rs 100 on dining, movies and international spends","reward_caps":null,"reward_exclusions":"Other-retail earn excludes fuel, rental, government spends, gaming, wallet and EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP); instant redemption at Lifestyle, Home Centre, Spar, Max, Baby Shop and EasyBuy stores","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.25%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"8,000 bonus RP on annual retail spends of Rs 2,00,000","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/landmark-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/landmark-rewards-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_caps","lounge_domestic","lounge_international","lounge_conditions","other_freebies","eligibility"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Formerly sold as Lifestyle Home Centre / Max / Spar SBI Card. Network from the page's 'any outlet that accepts Visa' text. The page lists no lounge benefit ('None' kept as unverified). Page vs earlier value (page used): point_value also said points convert to Landmark Rewards at 2.4 RP : 1 LMR, 1 LMR = Rs 0.60 (Card Insider); the page states only 4 RP = Re 1 and instant redemption at Landmark stores; reward_exclusions was 'fuel; digital gaming and government from 1 Sep 2025 (issuer notice)'; page lists fuel, rental, government, gaming, wallet, EMI; milestone also listed 2,000 RP on renewal (Card Insider); the page states 2,000 RP on payment of annual fees without a separate renewal line. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":566,"depth":"full","slug":"landmark-rewards-sbi-card","url":"https://m16s.in/cards/landmark-rewards-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Landmark Rewards SBI Card SELECT","cobrand_partner":"Landmark Group (Lifestyle, Max, Home Centre, SPAR)","networks":["Visa"],"segment":"mid","card_type":["cobrand","shopping"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"No spend-based renewal fee waiver in the MITC.","welcome_benefit":"6,000 bonus Reward Points worth Rs 1,500 on payment of annual fee","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail purchases","base_return_pct":0.5,"accelerated_earn":"15 RP per Rs 100 at online and retail Landmark stores (Lifestyle, Home Centre, Max, Spar, Baby Shop, EasyBuy); 10 RP per Rs 100 on dining, movies and international spends","reward_caps":null,"reward_exclusions":"Fuel, rental, government spends, gaming, wallet, EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP); instant redemption at Lifestyle, Home Centre, Spar, Max, Baby Shop and EasyBuy stores","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None listed on the product page; an issuer lounge PDF names this card on its 16-lounge domestic list from 10 Jan 2026 (visit count not stated)","lounge_international":"None","lounge_conditions":"See lounge_domestic: issuer PDF lists the card, product page lists no lounge benefit.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"12,000 bonus Reward Points on Rs 3 lakh overall annual retail spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/shopping/lifestyle-hc-sbi-card-select.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/landmark-rewards-sbi-select-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_caps","lounge_international","other_freebies","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: fuel_surcharge_waiver was '1% on fuel txns Rs 500-4,000' (cardinsider.com), page says Rs 500-3,000 with a Rs 100 cap per statement cycle; milestone_benefits also listed '6,000 RP on renewal' (cardinsider.com), page says 6,000 bonus points 'on payment of annual fees' without separating joining and renewal. Aggregator details the page does not state: conversion to Landmark Rewards at 2.4 RP : 1 LMR (1 LMR = Rs 0.60). The page footer says its information is correct as of July 2018, so check for later changes; the issuer notice of 1 Sep 2025 on gaming and government exclusions is consistent with the page. Network taken from the page line 'make payments at any outlet that accepts Visa'. Same text is served at shopping/max-sbi-card-select.page. The page lists no lounge benefit, although an issuer lounge PDF names this card. Formerly sold as Lifestyle Home Centre / Max / Spar SBI Card. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":567,"depth":"full","slug":"landmark-rewards-sbi-card-select","url":"https://m16s.in/cards/landmark-rewards-sbi-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Landmark Rewards SBI Card PRIME","cobrand_partner":"Landmark Group (Lifestyle, Max, Home Centre, SPAR)","networks":["RuPay","Visa"],"segment":"premium","card_type":["cobrand","shopping"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee the same from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"12,000 bonus RP worth Rs 3,000 on payment of annual fee","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail purchases","base_return_pct":0.5,"accelerated_earn":"25 RP per Rs 100 at online and retail Landmark stores (Lifestyle, Home Centre, Max, Spar, Baby Shop, EasyBuy); 10 RP per Rs 100 on dining, movies and international spends","reward_caps":null,"reward_exclusions":"Other-retail earn excludes fuel, rental, government spends, gaming, wallet and EMI","point_value":"4 RP = Re 1 (Rs 0.25 per RP); instant redemption at Lifestyle, Home Centre, Spar, Max, Baby Shop and EasyBuy stores","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per year via Priority Pass, max 2 per quarter","lounge_conditions":"Priority Pass membership worth USD 99; USD 27 + taxes per visit after the complimentary ones. Domestic lounge list restricted to issuer Set B from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000 (excl. GST), cap Rs 250 per statement cycle","milestone_benefits":"20,000 bonus RP on overall annual retail spends of Rs 5,00,000","other_freebies":"Priority Pass membership worth USD 99","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/landmark-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/landmark-rewards-sbi-prime-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","eligibility"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Formerly sold as Lifestyle Home Centre / Max / Spar SBI Card. The page does not name the network, so the earlier RuPay/Visa value stays unverified. Page vs earlier value (page used): point_value also said points convert to Landmark Rewards at 2.4 RP : 1 LMR, 1 LMR = Rs 0.60 (Card Insider); the page states only 4 RP = Re 1 and instant redemption at Landmark stores; reward_exclusions was 'fuel; digital gaming and government from 1 Sep 2025 (issuer notice)'; page lists fuel, rental, government, gaming, wallet, EMI; fuel waiver was Rs 500-4,000 with no cap (Card Insider); page says Rs 500-3,000, cap Rs 250 per statement cycle. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":568,"depth":"full","slug":"landmark-rewards-sbi-card-prime","url":"https://m16s.in/cards/landmark-rewards-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KrisFlyer SBI Card","cobrand_partner":"Singapore Airlines KrisFlyer","networks":["Mastercard","Amex"],"segment":"premium","card_type":["cobrand","travel"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"3,000 KrisFlyer miles on payment of annual fee and first transaction within 60 days of card issuance","reward_currency":"KrisFlyer miles","base_earn":"2 KrisFlyer miles per Rs 200 on other eligible spends","base_return_pct":null,"accelerated_earn":"5 miles per Rs 200 on Singapore Airlines Group; 5 miles per Rs 200 on international spends","reward_caps":null,"reward_exclusions":"Fuel, rent, utilities, government, wallet loads","point_value":"No rupee value stated; miles are credited to the KrisFlyer account","points_expiry":"Miles valid 2 years (aggregator); KrisFlyer programme rules apply","reward_notes":"base_return_pct left null: the page states earn rates but no rupee value for a KrisFlyer mile. Earns direct miles, so no transfer step. Aggregator notes no renewal benefit.","transfer_partners":["Singapore Airlines KrisFlyer"],"transfer_ratio":"Earned directly as KrisFlyer miles","lounge_domestic":"1 per quarter","lounge_international":"4 per year via Priority Pass, max 1 per quarter","lounge_conditions":"Priority Pass membership worth USD 99, primary cardholder only, valid 2 years; up to USD 27 + taxes per visit after the complimentary ones. Domestic lounge list restricted to issuer Set B from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Additional 3,000 KrisFlyer miles on annual spends of Rs 3 lakh; tier upgrade to KrisFlyer Elite Silver on spends of Rs 2.5 lakh on Singapore Airlines (app and website bookings); milestone year runs from account creation date, credited within 30 days","other_freebies":"Priority Pass membership worth USD 99; baggage loss/delay cover of Rs 1 lakh; fraud loss cover of Rs 1 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/krisflyer-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/krisflyer-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","eligibility","base_return_pct"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Miles are credited automatically to the KrisFlyer account on statement date. The page says rewards do not apply to some spend categories and refers to the T&C without listing them, so the exclusion list stays from Card Insider; network is not stated beyond generic 'MasterCard or Visa ATMs' text, so the earlier Mastercard/Amex value stays unverified. Page vs earlier value (page used): fuel waiver was 'txns up to Rs 3,000' (Card Insider); page says Rs 500-4,000 with a Rs 250 cap per statement cycle; lounge_international: Card Insider was inconsistent (4 visits vs none free); page says 4 complimentary international visits a year, max 1 per quarter; Elite Silver milestone: page ties the Rs 2.5 lakh to spends on Singapore Airlines, not total spend. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":569,"depth":"full","slug":"krisflyer-sbi-card","url":"https://m16s.in/cards/krisflyer-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KrisFlyer SBI Card Apex","cobrand_partner":"Singapore Airlines KrisFlyer","networks":["Mastercard","Amex"],"segment":"super-premium","card_type":["cobrand","travel"],"status":"open","joining_fee":9999,"annual_fee":9999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 9,999 + taxes; renewal fee Rs 9,999 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"10,000 KrisFlyer miles on payment of annual fee and first transaction within 60 days of card issuance","reward_currency":"KrisFlyer miles","base_earn":"6 KrisFlyer miles per Rs 200 on other eligible spends","base_return_pct":null,"accelerated_earn":"10 miles per Rs 200 on Singapore Airlines Group; 8 miles per Rs 200 on international spends","reward_caps":null,"reward_exclusions":"Fuel, rent, utilities, government, wallet loads","point_value":"No rupee value stated; miles are credited to the KrisFlyer account","points_expiry":"Miles valid 2 years (aggregator); KrisFlyer programme rules apply","reward_notes":"base_return_pct left null: the page states earn rates but no rupee value for a KrisFlyer mile. Earns direct miles, so no transfer step. Aggregator notes no renewal benefit.","transfer_partners":["Singapore Airlines KrisFlyer"],"transfer_ratio":"Earned directly as KrisFlyer miles","lounge_domestic":"2 per quarter","lounge_international":"8 per year via Priority Pass, max 2 per quarter","lounge_conditions":"Priority Pass membership worth USD 99, primary cardholder only, valid 2 years; up to USD 27 + taxes per visit after the complimentary ones.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Additional 10,000 KrisFlyer miles on annual spends of Rs 5 lakh; tier upgrade to KrisFlyer Elite Gold on spends of Rs 7.5 lakh on Singapore Airlines (app and website bookings); 3,000 bonus miles on cumulative spend of Rs 10 lakh; milestone year runs from account creation date, credited within 30 days","other_freebies":"Priority Pass membership worth USD 99; baggage loss/delay cover of Rs 1 lakh; fraud loss cover of Rs 10 lakh","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/krisflyer-sbi-card-apex.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/krisflyer-sbi-card-apex/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_caps","reward_exclusions","eligibility","base_return_pct"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Miles are credited automatically to the KrisFlyer account on statement date. The page says rewards do not apply to some spend categories and refers to the T&C without listing them, so the exclusion list stays from Card Insider; network is not stated beyond generic 'MasterCard or Visa ATMs' text, so the earlier Mastercard/Amex value stays unverified. Page vs earlier value (page used): fuel waiver was 'txns up to Rs 3,000' (Card Insider); page says Rs 500-4,000 with a Rs 250 cap per statement cycle; Elite Gold milestone: page ties the Rs 7.5 lakh to spends on Singapore Airlines, not total annual spend. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":570,"depth":"full","slug":"krisflyer-sbi-card-apex","url":"https://m16s.in/cards/krisflyer-sbi-card-apex/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Google Pay Flex SBI Card","cobrand_partner":"Google Pay","networks":["RuPay","Visa"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"RuPay: Rs 250 gift card + 250 Stars; Visa: 500 Stars; extra 500 Stars if joining fee paid in Google Pay","reward_currency":"Google Pay Stars","base_earn":"1 Star per Rs 500","base_return_pct":0.2,"accelerated_earn":"2 Stars per Rs 500 if at least Rs 100 was spent in the previous cycle; rate doubles after Rs 15,000 and again after Rs 30,000 spend in a cycle (up to 8 Stars per Rs 500)","reward_caps":"1,500 Stars per reward cycle","reward_exclusions":null,"point_value":"1 Star = Re 1 against Google Pay payments","points_expiry":null,"reward_notes":"base_return_pct = 1 Star per Rs 500 x Re 1 (0.4% once the prior-cycle condition is met; up to 1.6% above Rs 30,000 in a cycle).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% fuel surcharge waiver (limits not stated)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/google-pay-flex-sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","reward_caps","reward_exclusions","point_value","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","base_return_pct"],"date_read":"2026-10-11","notes":"Issuer product page is script-rendered and returned no card content to the fetcher; fees, forex, interest and penalty fields are from the issuer MITC/KFS, benefit fields from the aggregator page listed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":571,"depth":"full","slug":"google-pay-flex-sbi-card","url":"https://m16s.in/cards/google-pay-flex-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Shaurya SBI Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":250,"annual_fee":250,"fee_waiver_spend":50000,"fee_notes":"Annual fee Rs 250 + taxes; renewal fee Rs 250 from second year, waived on annual spends of Rs 50,000 or more (product page).","welcome_benefit":"1,000 RP on payment of the first-year annual fee of Rs 250, credited within 15 working days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on all other categories","base_return_pct":0.25,"accelerated_earn":"5X Reward Points on CSD, dining, movies, departmental stores and grocery spends","reward_caps":"5X points capped at 5,000 per month (issuer notice, 1 Jun 2021)","reward_exclusions":"Fuel, wallet loads, EMI","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.25%; 5X categories 1.25%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":"Complimentary personal accident insurance cover of Rs 2 lakh (RuPay network cards only)","interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Serving defence personnel","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/defense/shaurya-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/shaurya-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","lounge_domestic","lounge_international","lounge_conditions","milestone_benefits","eligibility"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Network set to RuPay from the page's insurance line ('applicable only on RuPay network cards') and its Pulse/Discover/Diners ATM acceptance text; whether other networks are issued is not stated. Exclusions and eligibility are not on the page and stay from Card Insider. The page lists no lounge or milestone benefit. Finance charge is 2.75% a month for Shaurya/Defence cards (MITC). The .page address was the one rendered (entry earlier pointed at the .html address). Page vs earlier value (page used): fuel waiver cap was Rs 250 per cycle (Card Insider); page says maximum Rs 100 per statement cycle. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":572,"depth":"full","slug":"shaurya-sbi-card","url":"https://m16s.in/cards/shaurya-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Shaurya Select SBI Card","cobrand_partner":null,"networks":["RuPay"],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1499,"fee_waiver_spend":150000,"fee_notes":"First-year fee waived; renewal fee Rs 1,499 from second year, reversed if previous-year spend >= Rs 1,50,000 (product page; its fee box also shows 'Annual Fee: Rs 1,499 + taxes').","welcome_benefit":"None stated on the page; 1,500 RP on payment of renewal fee","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other categories","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on CSD, dining, movies, departmental stores and grocery spends","reward_caps":null,"reward_exclusions":"Fuel, cash","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.5%; 5X categories 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 500 Pizza Hut e-voucher on spending Rs 50,000 in a calendar quarter; Rs 7,000 e-gift voucher from Yatra or Pantaloons on annual spends of Rs 5 lakh; renewal fee waived at Rs 1.5 lakh","other_freebies":"Complimentary personal accident insurance cover of Rs 10 lakh (offered by RuPay); 24x7 concierge services","interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Defence and paramilitary personnel","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/defense/shaurya-select-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/shaurya-select-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","lounge_international","lounge_conditions","eligibility"],"date_read":"2026-10-12","notes":"Benefit fields now read from the issuer's product page (rendered 2026-10-12). Network RuPay from the page's 'offered by RuPay' insurance line. Exclusions and eligibility are not on the page and stay from Card Insider. The page lists no international lounge benefit ('None' kept as unverified). The .page address was the one rendered (entry earlier pointed at the .html address). Page vs earlier value (page used): page shows both 'Annual Fee: Rs 1,499 + taxes' and 'Annual Fee: First year fee waived off'; joining_fee kept at 0 as before. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":573,"depth":"full","slug":"shaurya-select-sbi-card","url":"https://m16s.in/cards/shaurya-select-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Doctor's SBI Card (incl. IMA variant)","cobrand_partner":"Indian Medical Association (IMA variant)","networks":[],"segment":"mid","card_type":["rewards"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Renewal fee (from second year) reversed on Rs 2 lakh annual spend.","welcome_benefit":"Rs 1,500 Yatra.com e-gift voucher","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100 on all other spends","base_return_pct":0.25,"accelerated_earn":"5X Reward Points on medical supplies, travel bookings and international spends, and on all spends on Doctor's Day (1 July)","reward_caps":"5X points capped at 7,500 per month (issuer notice, 20 Aug 2020)","reward_exclusions":"Fuel, rent, government, EMI, cash, balance transfer","point_value":"4 RP = Re 1 (Rs 0.25 per RP) against card outstanding; also rewards catalogue","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"4 per year, max 2 per quarter, via Priority Pass","lounge_conditions":"Complimentary Priority Pass membership worth USD 99; visits beyond the free quota cost USD 27 + taxes each.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 5,000 e-gift voucher (Yatra.com, Bata or Shoppers Stop) on Rs 5 lakh annual spend","other_freebies":"Professional indemnity insurance cover of Rs 20 lakh (legal and defence costs, out-of-court settlements, court awards; nil deductible); Priority Pass membership; IMA variant is issued in association with the Indian Medical Association","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Medical practitioners","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/lifestyle/doctors-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/doctors-ima-sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","reward_exclusions","eligibility"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: fuel_surcharge_waiver was '1% waiver (aggregator states txns Rs 400-5,000)' from cardinsider.com, page says Rs 500-4,000 with Rs 250 cap per statement cycle. Both variant pages were read (doctors-sbi-card.page and lifestyle/doctors-ima-sbi-card.page); they state identical fees, rewards, lounge and insurance terms, the IMA page adding only the IMA association. Page does not state the 5X cap, exclusions, network or eligibility. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":574,"depth":"full","slug":"doctor-s-sbi-card-incl-ima-variant","url":"https://m16s.in/cards/doctor-s-sbi-card-incl-ima-variant/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Air India SBI Signature Card","cobrand_partner":"Air India","networks":["Visa"],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"20,000 RP on payment of joining fee, credited within 15 days of fee posting; complimentary Air India Maharaja Club membership","reward_currency":"Reward Points convertible to Air India Maharaja Points","base_earn":"4 RP per Rs 100 spent","base_return_pct":null,"accelerated_earn":"10 RP per Rs 100 on Air India tickets booked via website, app, booking offices or call centres (cut from 30 on 31 Mar 2025, issuer notice); credited within 60 days","reward_caps":"Milestone bonuses up to 1,00,000 RP a year","reward_exclusions":null,"point_value":"1 RP = 1 Air India Maharaja Point; rupee value not stated","points_expiry":"24 months","reward_notes":"base_return_pct left null: points convert 1:1 to Air India Maharaja Points and the issuer states no rupee value. Exempt from the 60,000-point monthly statement-credit cap (issuer notice).","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"1 RP : 1 Maharaja Point; minimum 5,000 points, in multiples of 5,000; converted within 7 working days; not reversible","lounge_domestic":"8 per year, max 2 per quarter (Visa lounge access programme)","lounge_international":"No complimentary visits; Priority Pass membership worth USD 99 with USD 27 charged per lounge visit","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Anniversary gift of 5,000 RP every year; 20,000 bonus RP at Rs 5 lakh, 30,000 at Rs 10 lakh, 50,000 at Rs 20 lakh annual spend (year counted from account creation date)","other_freebies":"Priority Pass membership worth USD 99; Rs 1 lakh lost-card liability cover (48 hours before to 7 days after reporting)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/air-india-sbi-signature-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/air-india-sbi-signature-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["reward_exclusions","lounge_conditions","eligibility","base_return_pct"],"date_read":"2026-10-12","notes":"Issuance discontinued from 10 Oct 2024 (issuer notice); the product page is still up and does not mention closure. Existing cards still serviced. Benefit fields now read from that page (rendered 2026-10-12). Network from the page's 'over 2 million Visa outlets / Visa ATMs' text. Redeeming Maharaja Points needs at least 1 flight accrual activity for self and 5 for family or friends. Page vs earlier value (page used): point_value said minimum 10,000 points to convert (Card Insider); page says minimum 5,000 points, in multiples of 5,000; old fuel waiver had no cap; page caps it at Rs 250 per statement cycle; old welcome text marked the 20,000 points as historical; the page still lists it. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":575,"depth":"full","slug":"sbi-card-air-india-sbi-signature-card","url":"https://m16s.in/cards/sbi-card-air-india-sbi-signature-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Air India SBI Platinum Card","cobrand_partner":"Air India","networks":["Visa"],"segment":"mid","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 1,499 + taxes; renewal fee Rs 1,499 from second year (product page). No spend-based waiver on the page or in the MITC.","welcome_benefit":"5,000 RP on payment of joining fee, credited within 15 days of fee posting; complimentary Air India Maharaja Club membership","reward_currency":"Reward Points convertible to Air India Maharaja Points","base_earn":"2 RP per Rs 100 spent","base_return_pct":null,"accelerated_earn":"5 RP per Rs 100 on Air India tickets booked via website, app, booking offices or call centres (cut from 15 on 31 Mar 2025, issuer notice); credited within 60 days of posting","reward_caps":null,"reward_exclusions":null,"point_value":"1 RP = 1 Air India Maharaja Point; rupee value not stated","points_expiry":"24 months","reward_notes":"base_return_pct left null: points convert 1:1 to Air India Maharaja Points and the issuer states no rupee value. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"1 RP : 1 Maharaja Point; minimum 5,000 points, in multiples of 5,000; converted within 7 working days; not reversible","lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Up to 15,000 bonus RP a year: 5,000 at Rs 2 lakh and 10,000 at Rs 3 lakh annual spend (year counted from account creation date); anniversary gift of 2,000 RP every year","other_freebies":"Rs 1 lakh lost-card liability cover (48 hours before to 7 days after reporting)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/air-india-sbi-platinum-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/air-india-sbi-platinum-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_international"],"date_read":"2026-10-12","notes":"Issuance discontinued from 10 Oct 2024 (issuer notice); the product page is still up and does not mention closure. Benefit fields now read from that page (rendered 2026-10-12). Network from the page's 'over 2 million Visa outlets / Visa ATMs' text. Redeeming Maharaja Points needs at least 1 flight accrual activity for self and 5 for family or friends. The page lists no international lounge benefit; 'None' is kept as unverified. Page vs earlier value (page used): lounge_domestic was '8 per year, max 2 per quarter' (Card Insider); page says 4 complimentary domestic visits, max 1 per quarter. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":576,"depth":"full","slug":"sbi-card-air-india-sbi-platinum-card","url":"https://m16s.in/cards/sbi-card-air-india-sbi-platinum-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Club Vistara SBI Card","cobrand_partner":"Club Vistara (merged into Air India Maharaja Club)","networks":[],"segment":"mid","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":1499,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Annual (first-year) fee Rs 1,499; renewal fee Nil from second year per the product page. Add-on card free.","welcome_benefit":null,"reward_currency":"Club Vistara (CV) Points, redeemed on Air India and partner airlines","base_earn":"3 CV Points per Rs 200 on all retail categories, including fuel","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"No rupee value stated; CV Points are redeemed for flights","points_expiry":null,"reward_notes":"base_return_pct left null: CV Points have no issuer-stated rupee value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter (unused visits lapse)","lounge_international":"None free; Priority Pass membership worth USD 99 for 24 months, USD 27 + taxes per visit","lounge_conditions":"Guests are charged at entry. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (shorter 16-lounge list).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"1 Yatra hotel e-voucher worth Rs 5,000 at Rs 5 lakh annual spend","other_freebies":"Insurance: lost-card liability up to Rs 1 lakh; flight cancellation up to 4 cancellations per year, Rs 3,500 each; lost check-in baggage up to Rs 72,000; baggage delay Rs 7,500; lost travel documents up to Rs 12,500; baggage damage up to Rs 2,500. Priority Pass membership worth USD 99.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/club-vistara-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","annual_fee"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Issuance discontinued from 28 Sep 2024 (issuer notice); status stays closed-to-new. CONFLICT on the renewal fee: the entry previously showed annual_fee Rs 1,499 with the note 'renewal fee still charged; renewal and milestone benefits ended 1 Apr 2025' (earlier reading of issuer notices/MITC). The product page now states 'Renewal Fee (per annum): Nil' and 'There is no Renewal Fee from second year onwards', so annual_fee is set to 0; cardholders whose renewal date fell before 1 Apr 2025 keep the old renewal/milestone benefits and are charged the fee. Earn rate, lounge counts and insurance, which were empty, are now from the page. Points are Club Vistara (CV) Points, which the page says are redeemed on Air India and partner airlines via the Maharaja Points redemption page. Network not set: the page only refers to MasterCard or Visa ATMs/payWave. The page's milestone graphic also shows Rs 1.25 lakh / Rs 2.5 lakh tiers for a '1 Premium ... Hotel Voucher' that the text does not explain; only the Rs 5 lakh Yatra voucher is recorded. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":577,"depth":"full","slug":"club-vistara-sbi-card","url":"https://m16s.in/cards/club-vistara-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Club Vistara SBI Card PRIME","cobrand_partner":"Club Vistara (merged into Air India Maharaja Club)","networks":[],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":2999,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Annual (first-year) fee Rs 2,999; renewal fee Nil from second year per the product page ('Fee not to be charged' on cards due for renewal after 1 Apr 2025). Add-on card free.","welcome_benefit":null,"reward_currency":"Club Vistara (CV) Points, redeemed on Air India and partner airlines","base_earn":"4 CV Points per Rs 200 on all retail categories, including fuel","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"No rupee value stated; CV Points are redeemed for flights","points_expiry":null,"reward_notes":"base_return_pct left null: CV Points have no issuer-stated rupee value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year outside India, max 2 per quarter, via Priority Pass","lounge_conditions":"Priority Pass for primary cardholder only, complimentary membership valid 2 years. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (Set B).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"1 Yatra hotel e-voucher worth Rs 10,000 at Rs 8 lakh annual spend. The older milestone of 1 Premium Economy ticket at Rs 1.5 lakh, 3 lakh, 4.5 lakh and 8 lakh is discontinued for cards due for renewal after 1 Apr 2025.","other_freebies":"Insurance: lost-card liability up to Rs 1 lakh; flight cancellation up to 6 cancellations per year, Rs 3,500 each; lost check-in baggage up to Rs 72,000; baggage delay Rs 7,500; lost travel documents up to Rs 12,500; baggage damage up to Rs 5,000. Priority Pass membership worth USD 99.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/club-vistara-sbi-card-prime.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","annual_fee"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Issuance discontinued from 28 Sep 2024 (issuer notice); status stays closed-to-new. CONFLICT on the renewal fee: the entry previously showed annual_fee Rs 2,999 with the note 'renewal fee still charged; renewal and milestone benefits ended 1 Apr 2025' (earlier reading of issuer notices/MITC). The product page now states 'Renewal Fee (per annum): Nil' and 'There is no Renewal Fee from second year onwards', so annual_fee is set to 0; cardholders whose renewal date fell before 1 Apr 2025 keep the old renewal/milestone benefits and are charged the fee. Earn rate, lounge counts and insurance, which were empty, are now from the page. Points are Club Vistara (CV) Points, which the page says are redeemed on Air India and partner airlines via the Maharaja Points redemption page. Network not set: the page only refers to MasterCard or Visa ATMs/payWave. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":578,"depth":"full","slug":"club-vistara-sbi-card-prime","url":"https://m16s.in/cards/club-vistara-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"OLA Money SBI Card","cobrand_partner":"Ola Money","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Joining fee nil; renewal Rs 499 from second year, reversible if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"None stated; zero annual fee in the first year","reward_currency":"Reward Points","base_earn":"1% as Reward Points on all other spends","base_return_pct":1.0,"accelerated_earn":"7% as Reward Points on all Ola rides","reward_caps":"Ola 7% capped at 500 RP per month","reward_exclusions":null,"point_value":"1 RP = Re 1","points_expiry":null,"reward_notes":"base_return_pct = 1% of spend as RP x Re 1 per RP, both stated on the issuer page. Aggregator quotes a Rs 99 redemption fee and auto-credit to the Ola Money wallet.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at all petrol pumps, cap Rs 100 per statement cycle","milestone_benefits":"None","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/ola-money-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://cardinsider.com/sbi-card/ola-money-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["reward_caps","lounge_domestic","lounge_international","milestone_benefits"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. The issuer page states: 'W.e.f. Dec'25, Ola Money SBI Credit Card has been discontinued' and existing cards are replaced with a SimplyCLICK / SimplySAVE SBI Credit Card; status closed-to-new is now issuer-confirmed (the card no longer exists for new or existing holders). Earn rates and point value matched the aggregators. Still from the aggregators (page silent): the 500 RP monthly cap on Ola rides, 'no lounge', 'no milestone' and the wallet-credit detail. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":579,"depth":"full","slug":"ola-money-sbi-card","url":"https://m16s.in/cards/ola-money-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Yatra SBI Card","cobrand_partner":"Yatra","networks":[],"segment":"entry","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":"Yatra vouchers worth Rs 8,250 (historical)","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.25,"accelerated_earn":"6 RP per Rs 100 on groceries, departmental stores, dining, movies, entertainment","reward_caps":"5,000 RP per category per month (issuer notice, Aug 2020)","reward_exclusions":"Rent (from 1 Jul 2023), fuel","point_value":"1 RP = Rs 0.25","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver, cap Rs 100","milestone_benefits":null,"other_freebies":"Yatra discounts on flights and hotels","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/yatra-sbi-credit-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","base_earn","accelerated_earn","reward_caps","reward_exclusions","point_value","lounge_domestic","lounge_international","lounge_conditions","fuel_surcharge_waiver","milestone_benefits","other_freebies","eligibility","base_return_pct"],"date_read":"2026-10-11","notes":"Issuance discontinued from 28 Mar 2025 (issuer notice). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":580,"depth":"full","slug":"yatra-sbi-card","url":"https://m16s.in/cards/yatra-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Paytm SBI Card","cobrand_partner":"Paytm","networks":["Visa"],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":"Complimentary Paytm First membership","reward_currency":"Reward Points (replaced cashback from 1 Jul 2024)","base_earn":"1% on any other spends across offline and online stores","base_return_pct":1.0,"accelerated_earn":"3% on Paytm Travel (the page's summary panel says Paytm Mall, Movies and Travel); 2% on all other purchases on the Paytm app","reward_caps":null,"reward_exclusions":null,"point_value":"1 Reward Point = Re 1","points_expiry":null,"reward_notes":"base_return_pct = 1% base rate at 1 Reward Point = Re 1 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"E-voucher for Paytm First membership renewal on Rs 1 lakh annual retail spend","other_freebies":"Cyber fraud insurance cover of Rs 1,00,000","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/paytm-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["status"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page states that from 1 Jul 2024 cashback on Paytm SBI Card / SELECT spends was replaced with Reward Points of equivalent value (1 Reward Point = Re 1). The page does not say the card is discontinued; closed-to-new status still rests on Card Insider. Network taken from the page line 'make payments at any outlet that accepts Visa'. Page lists no lounge benefit, caps or exclusions. Card Insider lists the card as discontinued; its page could not be fetched (budget ran out). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":581,"depth":"full","slug":"paytm-sbi-card","url":"https://m16s.in/cards/paytm-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Paytm SBI Card SELECT","cobrand_partner":"Paytm","networks":["Visa"],"segment":"mid","card_type":["cobrand"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Renewal fee reversed on Rs 200,000 annual spend.","welcome_benefit":"Complimentary Paytm First membership; Reward Points worth Rs 750","reward_currency":"Reward Points (replaced cashback from 1 Jul 2024)","base_earn":"1% on any other spends across offline and online stores","base_return_pct":1.0,"accelerated_earn":"5% on Paytm Travel; 2% on all other purchases on the Paytm app","reward_caps":null,"reward_exclusions":"Wallet loads (Paytm or any other app) and fuel","point_value":"1 Reward Point = Re 1","points_expiry":null,"reward_notes":"base_return_pct = 1% base rate at 1 Reward Point = Re 1 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per year, max 1 per quarter","lounge_international":"No complimentary visits stated; 2-year Priority Pass membership worth USD 99","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 2,000 voucher on Rs 4 lakh and Rs 4,000 voucher on Rs 6 lakh annual retail spend","other_freebies":"Cyber fraud insurance cover of Rs 2,00,000; Priority Pass membership (2 years)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/paytm-sbi-card-select.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf"],"source_quality":"mixed","unverified_fields":["status"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page states that from 1 Jul 2024 cashback on Paytm SBI Card / SELECT spends was replaced with Reward Points of equivalent value (1 Reward Point = Re 1). The page does not say the card is discontinued; closed-to-new status still rests on Card Insider. Network taken from the page line 'make payments at any outlet that accepts Visa'. Page does not state caps. Card Insider lists the card as discontinued; its page could not be fetched (budget ran out). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":582,"depth":"full","slug":"paytm-sbi-card-select","url":"https://m16s.in/cards/paytm-sbi-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Apollo SBI Card","cobrand_partner":"Apollo","networks":["Mastercard"],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 100,000 annual spend.","welcome_benefit":"500 Reward Points worth Rs 500 on payment of joining fee; complimentary Apollo Gold Tier membership","reward_currency":"Reward Points","base_earn":"1 RP per Rs 200 on other non-fuel retail purchases","base_return_pct":0.5,"accelerated_earn":"3X Reward Points on every Rs 100 spent on Apollo services; 2X on every Rs 100 on dining, movies and entertainment; 1 RP per Rs 100 on beauty and wellness services","reward_caps":null,"reward_exclusions":"Fuel earns no points","point_value":"1 RP = Re 1; instant redemption at point of sale, or conversion to Apollo Health Credits","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 200 x Re 1 = 0.5% (both stated on the product page). Value holds for redemption at Apollo. Aggregator quotes a Rs 99 redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% at all petrol pumps, cap Rs 100 a month (page gives no transaction range)","milestone_benefits":null,"other_freebies":"Up to 10% instant discount at select Apollo services; Apollo Gold Tier membership","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/rewards/apollo-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/apollo-sbi-credit-card/","https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["status","lounge_domestic","lounge_international"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: base_earn was ambiguous on cardinsider.com (1 RP per Rs 200 in one section, 1 per Rs 100 in another), page says 1 RP per Rs 200; fuel_surcharge_waiver carried a Rs 500-3,000 transaction range (cardinsider.com), page states only the Rs 100 monthly cap. Network taken from the page line 'make payments at any outlet that accepts MasterCard'. The page does not say the card is discontinued (it still carries an Apply title); closed-to-new status still rests on Card Insider. Aggregator details the page does not state: welcome points credited 20 days after fee payment, Gold Tier valid for year one and renewed on Rs 75,000 Apollo spend, points not redeemable on the SBI rewards catalogue. Page lists no lounge or milestone benefit. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":583,"depth":"full","slug":"apollo-sbi-card","url":"https://m16s.in/cards/apollo-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Aditya Birla SBI Card","cobrand_partner":"Aditya Birla","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":"2,000 RP (worth Rs 500) on paying the annual fee","reward_currency":"Reward Points","base_earn":"1 RP per Rs 200 on other purchases","base_return_pct":0.13,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":"Rs 0.25 per RP (aggregator: 2,000 RP worth Rs 500)","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 200 x Rs 0.25 = 0.125%. Accelerated rates at Aditya Birla brands were not captured in the source read. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns up to Rs 3,000 (cap not stated)","milestone_benefits":"2,000 RP at Rs 1 lakh and 2,000 more at Rs 3 lakh annual spend","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["status","networks","base_earn","reward_currency","welcome_benefit","base_return_pct","point_value","milestone_benefits","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Benefit fields from BankBazaar's SBI card listing entry; accelerated rates at Aditya Birla stores were not captured. Card Insider lists the card as discontinued; its page could not be fetched (budget ran out). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":584,"depth":"full","slug":"aditya-birla-sbi-card","url":"https://m16s.in/cards/aditya-birla-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Aditya Birla SBI Card SELECT","cobrand_partner":"Aditya Birla","networks":[],"segment":"mid","card_type":["cobrand"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":585,"depth":"fees-only","slug":"aditya-birla-sbi-card-select","url":"https://m16s.in/cards/aditya-birla-sbi-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Fabindia SBI Card","cobrand_partner":"Fabindia","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 100,000 annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator. Rent stopped earning from 1 Jul 2023. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":586,"depth":"fees-only","slug":"fabindia-sbi-card","url":"https://m16s.in/cards/fabindia-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Fabindia SBI Card SELECT","cobrand_partner":"Fabindia","networks":[],"segment":"mid","card_type":["cobrand"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Renewal fee reversed on Rs 200,000 annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":587,"depth":"fees-only","slug":"fabindia-sbi-card-select","url":"https://m16s.in/cards/fabindia-sbi-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Delhi Metro SBI Card","cobrand_partner":"Delhi Metro (DMRC)","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 100,000 annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator. Rent stopped earning from 1 Jul 2023. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":588,"depth":"fees-only","slug":"delhi-metro-sbi-card","url":"https://m16s.in/cards/delhi-metro-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Nature's Basket SBI Card","cobrand_partner":"Nature's Basket","networks":[],"segment":"mid","card_type":["cobrand"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":200000,"fee_notes":"Renewal fee reversed on Rs 200,000 annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator; fee from the issuer KFS. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":589,"depth":"fees-only","slug":"nature-s-basket-sbi-card","url":"https://m16s.in/cards/nature-s-basket-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Nature's Basket SBI Card ELITE","cobrand_partner":"Nature's Basket","networks":[],"segment":"premium","card_type":["cobrand"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Renewal fee reversed on Rs 1,000,000 annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency","accelerated_earn"],"date_read":"2026-10-11","notes":"Listed as discontinued by aggregator; fee from the issuer KFS. Only fee-schedule fields were read from the issuer; reward structure not documented because the fetch budget ran out before the aggregator page could be read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":590,"depth":"fees-only","slug":"nature-s-basket-sbi-card-elite","url":"https://m16s.in/cards/nature-s-basket-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card Unnati","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["secured"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Annual fee of Rs 499 waived for the first four years; Rs 499 + taxes from the fifth year.","welcome_benefit":"None stated","reward_currency":null,"base_earn":"1 RP per Rs 100 spent","base_return_pct":0.25,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"Cash advance, balance transfer, Flexipay and fuel transactions","point_value":"4 RP = Rs 1 (Rs 0.25 per RP)","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.25. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":"Rs 500 cashback on Rs 50,000 annual spend","other_freebies":null,"interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Issued against a lien on the cardholder's SBI fixed deposit of Rs 25,000 or more","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-unnati.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://cardadvisor.in/cards/sbi-unnati","https://cardinsider.com/sbi-card/","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["status","networks","base_return_pct","point_value","lounge_domestic","lounge_international"],"date_read":"2026-10-12","notes":"Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: reward_exclusions also listed rent, government and tax payments and EMI conversions (aggregators), page lists cash advance, balance transfer, Flexipay and fuel. Page says points redeem against the rewards catalogue but gives no point value, so point_value (4 RP = Re 1) and base_return_pct still rest on aggregators. The page does not say the card is discontinued; closed-to-new status still rests on Card Insider. Network boilerplate says the card works wherever Visa or Mastercard is accepted. Same text is served at shopping/sbi-card-unnati.page. Card Insider lists the card as discontinued. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":591,"depth":"full","slug":"sbi-card-unnati","url":"https://m16s.in/cards/sbi-card-unnati/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Krishak Unnati SBI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":30000,"fee_notes":"Joining nil; renewal Rs 499 reversed on Rs 30,000 annual spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":"5X on utilities and fuel","reward_caps":"5X points capped at 5,000 per month (issuer notice, Aug 2020)","reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"Not applicable: no cash limit allocated","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","eligibility"],"date_read":"2026-10-31","notes":"Farmer-segment card; only fee schedule and one issuer notice read. Current availability not confirmed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":592,"depth":"fees-only","slug":"krishak-unnati-sbi-card","url":"https://m16s.in/cards/krishak-unnati-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card Vyapaar Unnati","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Free for first four years; Rs 499 thereafter (MITC).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","eligibility"],"date_read":"2026-10-11","notes":"Small-trader card; fee schedule only. Current availability not confirmed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":593,"depth":"fees-only","slug":"sbi-card-vyapaar-unnati","url":"https://m16s.in/cards/sbi-card-vyapaar-unnati/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SimplySAVE Merchant SBI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Annual and renewal fee nil (MITC).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","eligibility"],"date_read":"2026-10-11","notes":"Merchant-segment card; fee schedule only. Current availability and reward terms not read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":594,"depth":"fees-only","slug":"simplysave-merchant-sbi-card","url":"https://m16s.in/cards/simplysave-merchant-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"SBI Card PRIME NRI Secured","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["secured","rewards"],"status":"open","joining_fee":1500,"annual_fee":1500,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"NRI customers, secured against deposit","source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","eligibility"],"date_read":"2026-10-11","notes":"Fee schedule only: Rs 1,500 fee, 1.99% forex, 2.75% monthly finance charge for secured cards (MITC). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":595,"depth":"fees-only","slug":"sbi-card-prime-nri-secured","url":"https://m16s.in/cards/sbi-card-prime-nri-secured/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Card","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"entry","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":596,"depth":"fees-only","slug":"sbi-card-tata-card","url":"https://m16s.in/cards/sbi-card-tata-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Card SELECT","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"premium","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":597,"depth":"fees-only","slug":"sbi-card-tata-card-select","url":"https://m16s.in/cards/sbi-card-tata-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Croma Card","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"entry","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":598,"depth":"fees-only","slug":"sbi-card-tata-croma-card","url":"https://m16s.in/cards/sbi-card-tata-croma-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Croma Card SELECT","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"premium","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":599,"depth":"fees-only","slug":"sbi-card-tata-croma-card-select","url":"https://m16s.in/cards/sbi-card-tata-croma-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Star Card","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"entry","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":600,"depth":"fees-only","slug":"sbi-card-tata-star-card","url":"https://m16s.in/cards/sbi-card-tata-star-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"TATA Star Card SELECT","cobrand_partner":"Tata (tatacard.com)","networks":[],"segment":"premium","card_type":["cobrand","shopping"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"No spend-based waiver in the MITC.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Tata Card lounge list revised 10 Jan 2026 (tatacard.com PDF referenced by issuer notice; not read).","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks","base_earn","reward_currency"],"date_read":"2026-10-11","notes":"Legacy Tata co-brand serviced via tatacard.com; fee from SBI Card MITC. Status set to closed-to-new on the basis that Tata Neu SBI cards replaced the range and an aggregator lists Tata Star SELECT as discontinued; not confirmed from issuer. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":601,"depth":"fees-only","slug":"sbi-card-tata-star-card-select","url":"https://m16s.in/cards/sbi-card-tata-star-card-select/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Central Bank of India SBI Card PRIME","cobrand_partner":"Central Bank of India","networks":[],"segment":"premium","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Renewal fee reversed on Rs 3 lakh annual spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":"Listed in issuer Set B revised domestic lounge list from 10 Jan 2026; visit counts not read.","forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Rs 50 lakh air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/central-bank-of-india-prime-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","base_earn","accelerated_earn","lounge_domestic","lounge_international","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Issuance discontinued from 26 Jul 2025 (issuer notice). Bank-partner version of SBI Card PRIME; reward and lounge counts not read from any source and left null rather than copied from the base card. Birthday bonus points capped at 2,000 a year on certain variants (issuer notice, Feb 2021). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":602,"depth":"fees-only","slug":"central-bank-of-india-sbi-card-prime","url":"https://m16s.in/cards/central-bank-of-india-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Central Bank of India SBI Card ELITE","cobrand_partner":"Central Bank of India","networks":[],"segment":"premium","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Renewal fee reversed on Rs 10 lakh annual spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":1.99,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Rs 1 crore air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/central-bank-of-india-elite-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","base_earn","accelerated_earn","lounge_domestic","lounge_international","fuel_surcharge_waiver","forex_markup_pct"],"date_read":"2026-10-11","notes":"Issuance discontinued from 26 Jul 2025 (issuer notice). Bank-partner version of SBI Card ELITE; reward and lounge counts not read and left null. Forex 1.99% rests on the KFS wording 'ELITE cards'. Birthday bonus points capped at 2,000 a year on certain variants (issuer notice, Feb 2021). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":603,"depth":"fees-only","slug":"central-bank-of-india-sbi-card-elite","url":"https://m16s.in/cards/central-bank-of-india-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Central Bank of India SimplySAVE SBI Card","cobrand_partner":"Central Bank of India","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Renewal fee reversed on Rs 1 lakh annual spend.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 (issuer notice, 1 Mar 2022)","base_return_pct":null,"accelerated_earn":"10 RP per Rs 150 on accelerated categories (issuer notice, 1 Mar 2022; categories not read)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/central-bank-of-india-simplysave-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","accelerated_earn","point_value","lounge_domestic","fuel_surcharge_waiver"],"date_read":"2026-10-11","notes":"Issuance discontinued from 26 Jul 2025 (issuer notice). Bank-partner version of SimplySAVE sold through the partner bank's branches; benefit detail beyond the issuer notice not read. Birthday bonus points capped at 2,000 a year on certain variants (issuer notice, Feb 2021). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":604,"depth":"partial","slug":"central-bank-of-india-simplysave-sbi-card","url":"https://m16s.in/cards/central-bank-of-india-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"City Union Bank SBI Card PRIME","cobrand_partner":"City Union Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Hertz/Avis car-rental savings (Visa/RuPay offers).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/city-union-bank-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/city-union-bank-sbi-card-prime.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"The .html and .page addresses carry identical content. Earlier note stands: BankBazaar quoted a 3.35% monthly finance charge against 3.75% in the issuer MITC. Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn listed movies among the 10 RP categories (aggregator); page lists dining, departmental stores, grocery only; old other_freebies (BankBazaar) listed Visa golf (4 green-fee rounds, 1 lesson a month) and Club Vistara Silver; neither is on the page (page shows Club ITC Silver); old lounge counts '8 per year' / '4 per year' had no quarterly cap; page adds max 2 per quarter each. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":605,"depth":"full","slug":"city-union-bank-sbi-card-prime","url":"https://m16s.in/cards/city-union-bank-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"City Union Bank SimplySAVE SBI Card","cobrand_partner":"City Union Bank","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/city-union-bank-simplysave-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Birthday bonus points capped at 2,000 a year on certain variants (issuer notice, Feb 2021). Bank-partner version of SimplySAVE; apply at City Union Bank branches (page), which confirms status open. Previously this entry held fees and the 2022 issuer-notice earn rate only; welcome benefit, accelerated categories, point value and fuel waiver are new from the page. No conflicts. The page mentions no lounge benefit (lounge fields left empty). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":606,"depth":"full","slug":"city-union-bank-simplysave-sbi-card","url":"https://m16s.in/cards/city-union-bank-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Karnataka Bank SBI Card PRIME","cobrand_partner":"Karnataka Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop); voucher link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Hertz/Avis car-rental savings (Visa/RuPay offers). Rs 50 lakh air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karnataka-bank-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Previously a fees-only entry; the .html and .page addresses carry identical content. Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":607,"depth":"full","slug":"karnataka-bank-sbi-card-prime","url":"https://m16s.in/cards/karnataka-bank-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Karnataka Bank SimplySAVE SBI Card","cobrand_partner":"Karnataka Bank","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/karnataka-bank-simplysave-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Bank-partner version of SimplySAVE; apply at Karnataka Bank branches (page), which confirms status open. Previously this entry held fees and the 2022 issuer-notice earn rate only; welcome benefit, accelerated categories, point value and fuel waiver are new from the page. No conflicts. The page mentions no lounge benefit (lounge fields left empty). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":608,"depth":"full","slug":"karnataka-bank-simplysave-sbi-card","url":"https://m16s.in/cards/karnataka-bank-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"PSB SBI Card PRIME","cobrand_partner":"Punjab & Sind Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Hertz/Avis car-rental savings (Visa/RuPay offers).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/psb-sbi-card-prime.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/psb-sbi-card-prime.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"PSB = Punjab & Sind Bank. Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn listed movies among the 10 RP categories (aggregator); page lists dining, departmental stores, grocery only; lounge fields were null (BankBazaar gave no free counts); page gives 8 domestic and 4 international Priority Pass visits; milestone was 'Rs 1,000 Pizza Hut at Rs 50,000 (period unclear); year-end benefit at Rs 5 lakh (amount unclear)'; page says quarterly spends and Rs 7,000 voucher; source_product_page was the .html address; the .page address was the one rendered. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":609,"depth":"full","slug":"psb-sbi-card-prime","url":"https://m16s.in/cards/psb-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"PSB SBI Card ELITE","cobrand_partner":"Punjab & Sind Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year, reversed on Rs 10 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends, except fuel (also 2 RP per Rs 100 on international transactions)","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":null,"reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; 5X categories 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"6 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; USD 27 + taxes per Priority Pass visit after the complimentary ones; call the helpline to receive the Priority Pass.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Up to 50,000 bonus RP a year (worth Rs 12,500): 10,000 RP each at Rs 3 lakh and Rs 4 lakh, 15,000 RP each at Rs 5 lakh and Rs 8 lakh annual spend; annual fee reversed at Rs 10 lakh","other_freebies":"Free movie tickets worth Rs 6,000 every year (primary card only); Club ITC Silver tier membership for 1 year (after first transaction within 60 days of issuance); concierge service; Rs 1 lakh fraud liability cover; network offers. Rs 1 crore air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/psb-sbi-card-elite.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"PSB = Punjab & Sind Bank. Reward, lounge, milestone, forex and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no monthly cap on the 5X categories. Page vs earlier value (page used): accelerated_earn and point_value were null (BankBazaar listing); page gives 5X on dining/departmental/grocery and 4 RP = Re 1; source_product_page was the .html address; the .page address was the one rendered. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":610,"depth":"full","slug":"psb-sbi-card-elite","url":"https://m16s.in/cards/psb-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"PSB SimplySAVE SBI Card","cobrand_partner":"Punjab & Sind Bank","networks":[],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499 + taxes; renewal fee Rs 499 from second year, reversed if previous-year spend >= Rs 1,00,000 (product page).","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X: 10 RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.17%; 10X categories 1.67%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/psb-simplysave-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["networks","lounge_domestic"],"date_read":"2026-10-12","notes":"PSB = Punjab & Sind Bank. The .page address was the one rendered (entry earlier pointed at the .html address). Reward, welcome, fuel and fee fields now read from the issuer's product page (rendered 2026-10-12). The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no lounge benefit and no cap on 10X points; lounge fields stay null. Network not stated beyond generic 'accepts Visa or MasterCard' acceptance text, so networks stay empty. Page vs earlier value (page used): accelerated_earn was '10 RP per Rs 150 on accelerated categories (categories not read)' from the 1 Mar 2022 issuer notice; page names dining, movies, departmental stores, grocery. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":611,"depth":"full","slug":"psb-simplysave-sbi-card","url":"https://m16s.in/cards/psb-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"UCO Bank SBI Card PRIME","cobrand_partner":"UCO Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Hertz/Avis car-rental savings (Visa/RuPay offers).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/uco-bank-sbi-card-prime.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.bankbazaar.com/credit-card/uco-bank-sbi-card-prime.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn listed movies among the 10 RP categories (aggregator); page lists dining, departmental stores, grocery only; old lounge_conditions said max 2 per quarter across domestic and international combined (BankBazaar); page states max 2 per quarter separately for each; old other_freebies (BankBazaar) listed Visa golf, Club Vistara Silver, Trident Privilege Red Tier and Rs 50 lakh air accident cover; none is on the page (page shows Club ITC Silver); source_product_page was the .html address; the .page address was the one rendered. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":612,"depth":"full","slug":"uco-bank-sbi-card-prime","url":"https://m16s.in/cards/uco-bank-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"UCO Bank SBI Card ELITE","cobrand_partner":"UCO Bank","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year, reversed on Rs 10 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends, except fuel (also 2 RP per Rs 100 on international transactions)","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":null,"reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; 5X categories 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"6 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; USD 27 + taxes per Priority Pass visit after the complimentary ones; call the helpline to receive the Priority Pass.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Up to 50,000 bonus RP a year (worth Rs 12,500): 10,000 RP each at Rs 3 lakh and Rs 4 lakh, 15,000 RP each at Rs 5 lakh and Rs 8 lakh annual spend; annual fee reversed at Rs 10 lakh","other_freebies":"Free movie tickets worth Rs 6,000 every year (primary card only); Club ITC Silver tier membership for 1 year (after first transaction within 60 days of issuance); concierge service; Rs 1 lakh fraud liability cover; network offers.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/uco-bank-sbi-card-elite.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/uco-bank-sbi-card-elite.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Reward, lounge, milestone, forex and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no monthly cap on the 5X categories. Page vs earlier value (page used): BankBazaar showed forex at 3.50%; page states 1.99%, matching the issuer fee schedule; old milestone listed only 10,000 RP at Rs 3 lakh and Rs 4 lakh; page adds 15,000 RP at Rs 5 lakh and Rs 8 lakh; old fuel waiver had no cap; page caps it at Rs 250 per statement cycle; old other_freebies (BankBazaar) listed Club Vistara Silver and Rs 50 lakh air accident cover and movie-ticket sub-limits (2 tickets per booking per month, Rs 250 per ticket); the page states only Rs 6,000 a year on primary cards and links out for the redemption process; source_product_page was the .html address; the .page address was the one rendered. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":613,"depth":"full","slug":"uco-bank-sbi-card-elite","url":"https://m16s.in/cards/uco-bank-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"UCO Bank SimplySAVE SBI Card","cobrand_partner":"UCO Bank","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/uco-bank-simplysave-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Birthday bonus points capped at 2,000 a year on certain variants (issuer notice, Feb 2021). Bank-partner version of SimplySAVE; apply at UCO Bank branches (page), which confirms status open. Previously this entry held fees and the 2022 issuer-notice earn rate only; welcome benefit, accelerated categories, point value and fuel waiver are new from the page. No conflicts. The page mentions no lounge benefit (lounge fields left empty). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":614,"depth":"full","slug":"uco-bank-simplysave-sbi-card","url":"https://m16s.in/cards/uco-bank-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"South Indian Bank SBI Card PRIME","cobrand_partner":"South Indian Bank","networks":["Mastercard","Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop); voucher link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Mastercard golf (4 complimentary green-fee rounds, up to 50% off games, 1 lesson a month) and up to 15% off at Lalit Hotels incl. Hertz/Avis car-rental savings (Visa/RuPay offers).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/south-indian-bank-sbi-card-prime.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/south-indian-bank-sbi-card-prime.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn listed movies among the 10 RP categories (aggregator); page lists dining, departmental stores, grocery only; networks was ['Visa'] inferred from a 'Visa payWave' mention; page network tabs show Mastercard, Visa, RuPay; lounge counts were 'not stated' (BankBazaar); page gives 8 domestic and 4 international; milestone was 'up to Rs 11,000 in vouchers, thresholds not stated' (BankBazaar); page gives Rs 1,000 Pizza Hut per Rs 50,000 quarter and Rs 7,000 at Rs 5 lakh; source_product_page was the .html address; the .page address was the one rendered. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":615,"depth":"full","slug":"south-indian-bank-sbi-card-prime","url":"https://m16s.in/cards/south-indian-bank-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"South Indian Bank SimplySAVE SBI Card","cobrand_partner":"South Indian Bank","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/south-indian-bank-simplysave-sbi-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Bank-partner version of SimplySAVE; apply at South Indian Bank branches (page), which confirms status open. Previously this entry held fees and the 2022 issuer-notice earn rate only; welcome benefit, accelerated categories, point value and fuel waiver are new from the page. No conflicts. The page mentions no lounge benefit (lounge fields left empty). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":616,"depth":"full","slug":"south-indian-bank-simplysave-sbi-card","url":"https://m16s.in/cards/south-indian-bank-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KVB SBI Card PRIME","cobrand_partner":"Karur Vysya Bank","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop); voucher link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Mastercard golf (4 complimentary green-fee rounds, up to 50% off games, 1 lesson a month) and up to 15% off at Lalit Hotels. Rs 50 lakh air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/karur-vysya-bank-sbi-card-prime.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"KVB = Karur Vysya Bank. Earlier note stands: BankBazaar quoted finance charges of 3.5% a month against 3.75% in the issuer MITC. Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn (BankBazaar) said 10 RP per Rs 100 on restaurants and groceries; page lists dining, departmental stores, grocery and utility standing instructions; old milestone said Pizza Hut voucher 'within 90 days of issuance' (BankBazaar); page says on quarterly spends of Rs 50,000; old point_value 'up to Rs 0.25 per RP depending on redemption'; page states 4 RP = Re 1 against outstanding. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":617,"depth":"full","slug":"kvb-sbi-card-prime","url":"https://m16s.in/cards/kvb-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KVB SBI Card ELITE","cobrand_partner":"Karur Vysya Bank","networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year, reversed on Rs 10 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends, except fuel (also 2 RP per Rs 100 on international transactions)","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":null,"reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; 5X categories 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"6 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; USD 27 + taxes per Priority Pass visit after the complimentary ones; call the helpline to receive the Priority Pass.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Up to 50,000 bonus RP a year (worth Rs 12,500): 10,000 RP each at Rs 3 lakh and Rs 4 lakh, 15,000 RP each at Rs 5 lakh and Rs 8 lakh annual spend; annual fee reversed at Rs 10 lakh","other_freebies":"Free movie tickets worth Rs 6,000 every year (primary card only); Club ITC Silver tier membership for 1 year (after first transaction within 60 days of issuance); concierge service; Rs 1 lakh fraud liability cover; network offers incl. Mastercard golf (4 complimentary green-fee rounds, up to 50% off games, 1 lesson a month) and up to 15% off at Lalit Hotels.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":"Indian resident, age 21+; self-employed up to 65; credit score 750+ advised (aggregator)","source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-card-elite.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/credit-card/karur-vysya-bank-sbi-card-elite.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"mixed","unverified_fields":["eligibility"],"date_read":"2026-10-12","notes":"KVB = Karur Vysya Bank. Voucher link is sent within 21 days of annual-fee realisation (page). Reward, lounge, milestone, forex and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no monthly cap on the 5X categories. Page vs earlier value (page used): lounge_domestic was '8 per year' (BankBazaar FAQ); page says 2 complimentary domestic visits every quarter; old other_freebies said movie tickets buy 1 get 1, up to Rs 250 off, twice a month (BankBazaar); page says free movie tickets worth Rs 6,000 every year; point_value was null; page states 4 RP = Re 1. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":618,"depth":"full","slug":"kvb-sbi-card-elite","url":"https://m16s.in/cards/kvb-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KVB SimplySAVE SBI Card","cobrand_partner":"Karur Vysya Bank","networks":["Visa","Mastercard"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free.","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 10X categories = 1.67%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/karur-vysya-bank-sbi-card-simplysave.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. KVB = Karur Vysya Bank. No cash-payment fee at KVB branches for KVB cardholders (MITC). Bank-partner version of SimplySAVE; apply at Karur Vysya Bank branches (page), which confirms status open. Previously this entry held fees and the 2022 issuer-notice earn rate only; welcome benefit, accelerated categories, point value and fuel waiver are new from the page. No conflicts. The page mentions no lounge benefit (lounge fields left empty). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":619,"depth":"full","slug":"kvb-simplysave-sbi-card","url":"https://m16s.in/cards/kvb-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Bank of Maharashtra SBI Card PRIME","cobrand_partner":"Bank of Maharashtra","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year, waived on Rs 3 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other retail spends, except fuel","base_return_pct":0.5,"accelerated_earn":"10 RP on dining, departmental stores and grocery spends (page does not repeat the per-Rs 100 unit); 20 RP per Rs 100 on birthday spends (day before, on and day after); 20 RP on utility bill payment standing instructions","reward_caps":"Birthday RP capped at 2,000 per calendar year; utility standing-instruction bonus: after 3,000 points, 2 RP per Rs 100 (period not stated)","reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; the 10 RP categories would give 2.5% if the 10 RP is per Rs 100. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; call the helpline to receive the Priority Pass.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Pizza Hut e-voucher worth Rs 1,000 on quarterly spends of Rs 50,000 (Rs 500 for 'Prime Pro' cardholders); Rs 7,000 Yatra.com/Pantaloons e-gift voucher on Rs 5 lakh annual spend; renewal fee waived at Rs 3 lakh","other_freebies":"Club ITC Silver tier membership for 1 year; Rs 1 lakh fraud liability cover (48 hours before to 7 days after reporting); network offers incl. Hertz/Avis car-rental savings (Visa/RuPay offers).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/bom-sbi-card-prime.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://bankofmaharashtra.bank.in/bom-sbi-credit-cards-prime","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Earlier benefit fields came from Bank of Maharashtra's own page; they are now replaced by the SBI Card page. Reward, lounge, milestone and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. Forex markup is not on the page (3.5% from MITC). Page vs earlier value (page used): old accelerated_earn listed movies among the 10 RP categories (aggregator); page lists dining, departmental stores, grocery only (here from the partner bank's page); old welcome text said 'choose by SMS within 21 days of paying the annual fee' (partner bank page); this issuer page does not carry that line. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":620,"depth":"full","slug":"bank-of-maharashtra-sbi-card-prime","url":"https://m16s.in/cards/bank-of-maharashtra-sbi-card-prime/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Bank of Maharashtra SBI Card ELITE","cobrand_partner":"Bank of Maharashtra","networks":["Visa","RuPay"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year, reversed on Rs 10 lakh annual spend (product page).","welcome_benefit":"Welcome e-gift voucher worth Rs 5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on all other spends, except fuel (also 2 RP per Rs 100 on international transactions)","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":null,"reward_exclusions":"Fuel earns no points","point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.5%; 5X categories 2.5%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"6 per calendar year via Priority Pass, outside India, max 2 per quarter","lounge_conditions":"Priority Pass membership (worth USD 99) for the primary cardholder only, valid 2 years; USD 27 + taxes per Priority Pass visit after the complimentary ones; call the helpline to receive the Priority Pass.","forex_markup_pct":1.99,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Up to 50,000 bonus RP a year (worth Rs 12,500): 10,000 RP each at Rs 3 lakh and Rs 4 lakh, 15,000 RP each at Rs 5 lakh and Rs 8 lakh annual spend; annual fee reversed at Rs 10 lakh","other_freebies":"Free movie tickets worth Rs 6,000 every year (primary card only); Club ITC Silver tier membership for 1 year (after first transaction within 60 days of issuance); concierge service; Rs 1 lakh fraud liability cover; network offers.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/bom-sbi-card-elite.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://bankofmaharashtra.bank.in/bom-sbi-credit-cards-elite","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Earlier benefit fields came from Bank of Maharashtra's own page; they are now replaced by the SBI Card page. Reward, lounge, milestone, forex and network fields now read from the issuer's product page (rendered 2026-10-12); networks taken from the page's network-offer tabs. The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no monthly cap on the 5X categories. Page vs earlier value (page used): old lounge_domestic said 'limited-period offer' (partner bank page); issuer page states 2 per quarter without that qualifier; old welcome text said 'choose within 21 days of paying the annual fee' and movie sub-limits (2 tickets per booking per month, Rs 250 per ticket) from the partner bank page; this issuer page does not state them. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":621,"depth":"full","slug":"bank-of-maharashtra-sbi-card-elite","url":"https://m16s.in/cards/bank-of-maharashtra-sbi-card-elite/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Bank of Maharashtra SimplySAVE SBI Card","cobrand_partner":"Bank of Maharashtra","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499 + taxes; renewal fee Rs 499 from second year, reversed if previous-year spend >= Rs 1,00,000 (product page).","welcome_benefit":"2,000 bonus RP (worth Rs 500) on spending Rs 2,000 or more in the first 60 days","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on all other spends","base_return_pct":0.17,"accelerated_earn":"10X: 10 RP per Rs 150 on dining, movies, departmental stores and grocery","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":"24 months","reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1 against card outstanding, both from the product page) = 0.17%; 10X categories 1.67%. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC).","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":"Visa/RuPay network offers (car rental, MakeMyTrip, ZoomCar, Lifestyle discounts)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/bom-simplysave-sbi-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-12","notes":"Reward, welcome, fuel and fee fields now read from the issuer's product page (rendered 2026-10-12). The page is live with a branch-apply instruction, so status open is treated as confirmed. The page states no lounge benefit and no cap on 10X points; lounge fields stay null. Networks taken from the page's network-offer tabs. Page vs earlier value (page used): accelerated_earn was '10 RP per Rs 150 on accelerated categories (categories not read)' from the 1 Mar 2022 issuer notice; page names dining, movies, departmental stores, grocery. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":622,"depth":"full","slug":"bank-of-maharashtra-simplysave-sbi-card","url":"https://m16s.in/cards/bank-of-maharashtra-simplysave-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"South Indian Bank SBI Platinum Credit Card","cobrand_partner":"South Indian Bank","networks":["Visa"],"segment":"premium","card_type":["cobrand","rewards"],"status":"open","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 2,999, renewal Rs 2,999; no spend-based reversal on the page or in the MITC. Add-on card free.","welcome_benefit":"Rs 3,000 e-gift voucher (Yatra, Hush Puppies/Bata, Westside, Aditya Birla Fashion, Shoppers Stop and others); link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other categories","base_return_pct":0.5,"accelerated_earn":"5X RP on dining, departmental stores and international spends","reward_caps":"Up to 7,500 RP per month (accelerated); after the cap, 2 RP per Rs 100 continues","reward_exclusions":null,"point_value":"4 RP = Re 1 (Rs 0.25 per RP)","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page; 5X categories 2.5% up to the monthly cap. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"Priority Pass membership worth USD 99 (primary cardholder, valid 2 years); no free visits, USD 27 + taxes per visit","lounge_conditions":"Listed in issuer Set B revised domestic lounge list from 10 Jan 2026 (issuer lounge PDF).","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle per card account","milestone_benefits":"Rs 3,000 e-gift voucher at Rs 4 lakh and again at Rs 5 lakh annual spend; renewal gift of Rs 3,000 voucher on Rs 2 lakh spend in the previous year","other_freebies":"Golf: access to 300+ courses, 30% off green fees; Rs 1 lakh fraud liability cover. Rs 50 lakh air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/banking-partnership/south-india-bank-sbi-platinum-card.page","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Conflict: status was 'closed-to-new' (unverified, from the earlier aggregator pass); the issuer page is live and says 'To apply for your South Indian Bank SBI Platinum Credit Card, visit the nearest South Indian Bank Branch', so status is set to open. The .html address (south-india-bank-sbi-platinum-card.html) carries the same content. Sold through South Indian Bank branches. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":623,"depth":"full","slug":"sbi-card-south-indian-bank-sbi-platinum-credit-card","url":"https://m16s.in/cards/sbi-card-south-indian-bank-sbi-platinum-credit-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Karur Vysya Bank SBI Platinum Credit Card","cobrand_partner":"Karur Vysya Bank","networks":["Visa"],"segment":"premium","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":2999,"annual_fee":2999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 2,999 + taxes; renewal fee Rs 2,999 from second year (product page). No spend-based waiver stated on the page or in the MITC.","welcome_benefit":"Welcome e-gift voucher worth Rs 3,000 (Yatra, Hush Puppies/Bata, Westside, Aditya Birla Fashion, Shoppers Stop); link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other categories","base_return_pct":0.5,"accelerated_earn":"5X Reward Points on dining, departmental stores and international spends","reward_caps":"Up to 7,500 RP per month; after the cap, 2 RP per Rs 100 continues","reward_exclusions":null,"point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":"24 months","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.5%; 5X categories 2.5% up to the 7,500 RP monthly cap. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter","lounge_international":"No complimentary visits; Priority Pass membership worth USD 99 with USD 27 + taxes charged per lounge visit","lounge_conditions":"Priority Pass for primary cardholder only, membership valid 2 years. Listed in the issuer's Set B revised domestic lounge list from 10 Jan 2026.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"Rs 3,000 e-gift voucher at Rs 4 lakh and again at Rs 5 lakh annual spend; renewal gift: Rs 3,000 voucher if Rs 2 lakh was spent in the previous year","other_freebies":"Golf: access to 300+ courses, 30% off green fee; Rs 1 lakh fraud liability cover. Rs 50 lakh air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-platinum-credit-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-12","notes":"Reward, lounge, welcome and fuel fields now read from the issuer's product page (rendered 2026-10-12; the .html and .page addresses are identical). Network taken from the page's 'over 2 million Visa outlets / Visa ATMs' acceptance text. Status left closed-to-new and unverified: the page does not say the card is withdrawn and still carries a 'visit the nearest Karur Vysya Bank Branch' apply line. Page vs earlier value (page used): welcome gift, accelerated categories, fuel waiver and point value were null (BankBazaar listing); all are stated on the page; old international lounge text said 'visit count not stated'; page shows membership only with USD 27 per visit. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":624,"depth":"full","slug":"sbi-card-karur-vysya-bank-sbi-platinum-credit-card","url":"https://m16s.in/cards/sbi-card-karur-vysya-bank-sbi-platinum-credit-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"KVB SBI Signature Card","cobrand_partner":"Karur Vysya Bank","networks":["Visa"],"segment":"premium","card_type":["cobrand","rewards"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":null,"fee_notes":"Annual fee Rs 4,999 + taxes; renewal fee Rs 4,999 from second year (product page). No spend-based waiver stated on the page or in the MITC.","welcome_benefit":"Welcome e-gift voucher worth Rs 5,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop); link sent within 21 days of annual-fee realisation","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other categories","base_return_pct":null,"accelerated_earn":"5X Reward Points on dining, departmental stores and grocery spends","reward_caps":"Up to 10,000 RP in a month; after the cap, 2 RP per Rs 100 continues","reward_exclusions":null,"point_value":null,"points_expiry":"24 months","reward_notes":"base_return_pct left null: the product page states the earn rate but no point value for this card. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 per year, capped at 2 per calendar quarter","lounge_international":"No complimentary visits; Priority Pass membership worth USD 99 with USD 27 + taxes charged per lounge visit","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle","milestone_benefits":"10,000 bonus RP at each of Rs 2 lakh, Rs 3 lakh and Rs 4 lakh annual spend; 20,000 bonus RP at Rs 5 lakh","other_freebies":"Golf: access to 300+ courses, 30% off green fee; Rs 1 lakh fraud liability cover. Rs 1 crore air accident cover withdrawn 11 Aug 2025 (issuer notice).","interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-signature-credit-card.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.bankbazaar.com/sbi-credit-card.html","https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-12","notes":"KVB = Karur Vysya Bank. Reward, lounge, welcome and fuel fields now read from the issuer's product page (rendered 2026-10-12; the .html and .page addresses are identical). Network taken from the page's 'over 2 million Visa outlets / Visa ATMs' acceptance text. The page states no rupee value per point, so point_value stays null. Status left closed-to-new and unverified: the page does not say the card is withdrawn and still carries a branch-apply line. Page vs earlier value (page used): accelerated categories and monthly cap were null (BankBazaar listing); page gives 5X on dining/departmental/grocery, capped at 10,000 RP a month; lounge_international was null; page shows Priority Pass membership with paid visits. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":625,"depth":"full","slug":"sbi-card-kvb-sbi-signature-card","url":"https://m16s.in/cards/sbi-card-kvb-sbi-signature-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Karur Vysya Bank - SBI Card (Gold)","cobrand_partner":"Karur Vysya Bank","networks":[],"segment":"entry","card_type":["cobrand"],"status":"closed-to-new","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Annual fee Rs 499 + taxes; renewal fee Rs 499 from second year, reversed on Rs 1 lakh spend in the previous year (product page).","welcome_benefit":"2,000 bonus RP on Rs 2,000 spent in the first 60 days of receiving the card","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150 on other categories","base_return_pct":0.17,"accelerated_earn":"10 RP per Rs 150 on departmental and grocery stores","reward_caps":null,"reward_exclusions":null,"point_value":"4 RP = Re 1 against card outstanding (Rs 0.25 per RP); rewards catalogue also available","points_expiry":null,"reward_notes":"base_return_pct = 1 RP per Rs 150 x Rs 0.25 (4 RP = Re 1, both from the product page) = 0.17%; departmental/grocery 1.67%. Points expiry not stated on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)","cash_advance_fee":"2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one","eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-card-gold.html","source_mitc_or_tnc":"https://www.sbicard.com/en/most-important-terms-and-conditions.page","source_other":["https://www.sbicard.com/sitemap.xml","https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf","https://www.sbicard.com/en/customer-notices.page"],"source_quality":"primary","unverified_fields":["status","networks"],"date_read":"2026-10-12","notes":"Previously a fees-only entry. The page at the 'karur-vysya-bank-sbi-card-gold' address is titled 'Karur Vysya Bank - SBI Card', which confirms the earlier inferred match to the MITC name (the .html and .page addresses are identical). Reward, welcome and fuel fields read from that page (rendered 2026-10-12). Network not set: the page says both 'any outlet that accepts Visa' and 'Visa or MasterCard'. Status left closed-to-new and unverified: the page does not say the card is withdrawn and still carries a branch-apply line. No lounge benefit on the page. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.","id":626,"depth":"full","slug":"karur-vysya-bank-sbi-card-gold","url":"https://m16s.in/cards/karur-vysya-bank-sbi-card-gold/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Etihad Guest SBI Card","cobrand_partner":"Etihad Guest","networks":["Visa"],"segment":"mid","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":300000,"fee_notes":"Annual fee Rs 1,499, renewal Rs 1,499 from second year; renewal fee reversible if previous year's spend is Rs 3 lakh or more. Add-on card free.","welcome_benefit":"2,500 Etihad Guest Miles within 30 days of annual-fee payment; Etihad Guest Silver tier after first transaction; 1 free Wi-Fi voucher on first Etihad booking","reward_currency":"Etihad Guest Miles","base_earn":"1 Etihad Guest Mile per Rs 100 on other spends, except fuel","base_return_pct":null,"accelerated_earn":"3 miles per Rs 100 on Etihad.com; 2 miles per Rs 100 on international spends","reward_caps":null,"reward_exclusions":"Fuel","point_value":"No rupee value stated; miles redeem for flights, hotels, car rentals or products at etihadguest.com","points_expiry":null,"reward_notes":"base_return_pct left null: miles are earned directly in Etihad Guest and the issuer states no rupee value per mile.","transfer_partners":["Etihad Guest"],"transfer_ratio":"Earned directly as Etihad Guest Miles","lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"Priority Pass membership worth USD 99; no free visit count stated","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle per card account","milestone_benefits":"5,000 Etihad Guest Miles at Rs 5 lakh annual spend; 1 companion voucher at Rs 10 lakh annual spend","other_freebies":"Fraud liability cover Rs 50,000; lost baggage allowance up to USD 1,000; Priority Pass membership","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/etihad-guest-sbi-card.page","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page carries an 'Important Message': from Dec 2025 Etihad Guest SBI Credit Cards are phased out and a Miles SBI Credit Card is issued in their place; the Etihad card is deactivated on activation of the new card or on 31 Mar 2026, whichever is earlier. So the card can no longer be applied for or used; benefits below are as still shown on the page. Spends already made on the Etihad card count towards the new card's fee-reversal milestone in the same fee cycle. Forex markup, interest, late fee and cash-advance fee were not read for this card (not on the page). Fees exclude GST. The page's network-offer block says 'valid until 31 December 2018', so parts of the page are dated.","id":739,"depth":"full","slug":"etihad-guest-sbi-card","url":"https://m16s.in/cards/etihad-guest-sbi-card/"},{"issuer":"State Bank of India (SBI Card)","card_name":"Etihad Guest SBI Premier Card","cobrand_partner":"Etihad Guest","networks":["Visa"],"segment":"premium","card_type":["cobrand","travel"],"status":"closed-to-new","joining_fee":4999,"annual_fee":4999,"fee_waiver_spend":500000,"fee_notes":"Annual fee Rs 4,999, renewal Rs 4,999 from second year; renewal fee reversible if previous year's spend is Rs 5 lakh or more. Add-on card free.","welcome_benefit":"5,000 Etihad Guest Miles within 30 days of annual-fee payment; Etihad Guest Gold tier after first transaction; 2 free Wi-Fi vouchers on first Etihad booking","reward_currency":"Etihad Guest Miles","base_earn":"2 Etihad Guest Miles per Rs 100 on other spends, except fuel","base_return_pct":null,"accelerated_earn":"6 miles per Rs 100 on Etihad.com; 4 miles per Rs 100 on international spends","reward_caps":null,"reward_exclusions":"Fuel","point_value":"No rupee value stated; miles redeem for flights, hotels, car rentals or products at etihadguest.com","points_expiry":null,"reward_notes":"base_return_pct left null: miles are earned directly in Etihad Guest and the issuer states no rupee value per mile.","transfer_partners":["Etihad Guest"],"transfer_ratio":"Earned directly as Etihad Guest Miles","lounge_domestic":"8 per year, max 2 per quarter","lounge_international":"4 per year, max 2 per quarter, via Priority Pass (membership worth USD 99)","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle per card account","milestone_benefits":"1,500 Etihad Guest Miles on Rs 1.5 lakh spend in a calendar quarter; 1 companion voucher at Rs 8 lakh annual spend","other_freebies":"Fraud liability cover Rs 1 lakh; lost baggage allowance up to USD 1,000; Priority Pass membership","interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":null,"source_product_page":"https://www.sbicard.com/en/personal/credit-cards/travel/etihad-guest-sbi-premier-card.page","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-12","notes":"New entry created from the issuer product page read 2026-10-12. The page carries an 'Important Message': from Dec 2025 Etihad Guest SBI Credit Cards are phased out and a Miles SBI Credit Card is issued in their place; the Etihad card is deactivated on activation of the new card or on 31 Mar 2026, whichever is earlier. So the card can no longer be applied for or used; benefits below are as still shown on the page. Spends already made on the Etihad card count towards the new card's fee-reversal milestone in the same fee cycle. Forex markup, interest, late fee and cash-advance fee were not read for this card (not on the page). Fees exclude GST. The page's network-offer block says 'valid until 31 December 2018', so parts of the page are dated. The page's summary line says 'Silver Tier' while the benefit detail says Gold tier after first transaction; Gold is recorded.","id":740,"depth":"full","slug":"sbi-card-etihad-guest-sbi-premier-card","url":"https://m16s.in/cards/sbi-card-etihad-guest-sbi-premier-card/"},{"issuer":"SBM Bank India","card_name":"SBM Secured Credit Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["secured"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No joining or annual fee is listed on the product page; the credit card fee schedule itself was not found (the linked Schedule of Charges covers accounts and debit cards only).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Open a fixed deposit with SBM Bank for a 390-day tenure; limit set by the bank on the FD amount. Pitched at entrepreneurs and the self-employed without income proof.","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/terms-conditions/SBM-Secured-Credit-Card-T&C.pdf","source_other":["https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","joining_fee","annual_fee","interest_rate_monthly_pct","source_mitc_or_tnc"],"date_read":"2026-10-11","notes":"Bank's own FD-backed card. SBM charges a 1% + taxes processing fee on rent (MCC 6513) and education payments on its secured cards for transactions on or after 15 Jul 2026. The MITC/CMA PDF is linked on the page but was not read, so fees, interest and rewards are null.","id":627,"depth":"fees-only","slug":"sbm-secured-credit-card","url":"https://m16s.in/cards/sbm-secured-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM OneCard Credit Card","cobrand_partner":"OneCard","networks":["Visa"],"segment":"entry","card_type":["cobrand","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee (KFS effective 29 Jun 2026).","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 point per Rs 50 on regular purchases; fractional points credited","base_return_pct":null,"accelerated_earn":"5X points on the top 2 spend categories each month, provided purchases are made in at least 3 categories; bonus posts on the 10th of the following month","reward_caps":null,"reward_exclusions":"Only 'regular purchases' earn; cash and fees do not. No MCC list in the reward document.","point_value":null,"points_expiry":null,"reward_notes":"No redemption fee. Points pay off past transactions (less than two months old) in the OneCard app. Rupee value per point is not stated in the SBM documents read, so base return is not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% fuel surcharge waiver linked to cumulative monthly spends of Rs 10,000 or more (KFS table layout ambiguous)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Outstanding Rs 0-250: nil; Rs 251-1,000: Rs 250; Rs 1,001-5,000: Rs 500; Rs 5,001-25,000: Rs 1,000; above Rs 25,000: Rs 1,250","cash_advance_fee":"Not specified in KFS; interest from day one on cash withdrawals","eligibility":"Applied for and managed in the OneCard app; limit shown in the app. An FD-backed route exists.","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/One-Card-KFS.pdf","source_other":["https://www.sbm.bank.in/pdf/notice-board/RP-details.pdf","https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status","fuel_surcharge_waiver","point_value"],"date_read":"2026-10-11","notes":"Rent payments carry a 1% fee capped at Rs 400 a month. Over-limit fee nil. OneCard is issued through several partner banks; this entry covers the SBM-issued card only. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":628,"depth":"full","slug":"sbm-onecard-credit-card","url":"https://m16s.in/cards/sbm-onecard-credit-card/"},{"issuer":"SBM Bank India","card_name":"Niyo SBM Global Credit Card","cobrand_partner":"Niyo","networks":["Visa"],"segment":"entry","card_type":["cobrand","secured","travel"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Rs 500 joining and Rs 500 annual fee, both shown as waived in the KFS.","welcome_benefit":null,"reward_currency":"Niyo Coins","base_earn":"No coins on POS, tap-and-pay or ATM transactions","base_return_pct":0.0,"accelerated_earn":"20% coins (2% value) on domestic e-commerce; 10% coins (1% value) on international e-commerce; 30% coins (3% value) on travel bookings in the Niyo app. Minimum transaction Rs 100.","reward_caps":"5,00,000 Niyo Coins per year","reward_exclusions":"POS, tap-and-pay, ATM/cash, wallet loads, rent, fuel dealers, utilities and telecom, insurance, railways, education, legal/accounting, government and tax, gambling, securities, gift shops, agriculture","point_value":"1 Niyo Coin = Rs 0.10","points_expiry":"12 months from issue","reward_notes":"base_return_pct is 0 because in-store card swipes earn nothing; online spends earn 1-3% in coins. Coins are used toward Niyo products and offers; no cash-out rate beyond the Rs 0.10 value is stated. Rewards T&C dated 26 Feb 2026.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Flat Rs 150 once the account is more than 3 days past due","cash_advance_fee":"Rs 423 + GST or 2.5% of the amount, whichever is higher (domestic and international ATM)","eligibility":"Fixed deposit of at least Rs 5,000 with SBM via the Niyo app; total FD amount becomes the credit limit","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/Niyo-KFS.pdf","source_other":["https://www.sbm.bank.in/pdf/terms-conditions/Niyo-Reward-TC_26-Feb-2026.pdf","https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-11","notes":"Zero forex markup at Visa exchange rates, but overseas in-store swipes earn no coins. Over-limit fee Rs 150. FD advertised at up to 7% p.a. with conditions. Lounge benefits are not mentioned in the SBM documents read. SBM charges a 1% + taxes processing fee on rent (MCC 6513) and education payments on its secured cards for transactions on or after 15 Jul 2026. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":629,"depth":"full","slug":"niyo-sbm-global-credit-card","url":"https://m16s.in/cards/niyo-sbm-global-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM MobiKwik First Credit Card","cobrand_partner":"MobiKwik","networks":["RuPay"],"segment":"entry","card_type":["cobrand","secured","cashback","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil membership and annual maintenance fee. Physical card Rs 200; replacement Rs 200; cancellation Rs 200 if closed within six months of activation.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on online and offline POS card spends","base_return_pct":1.0,"accelerated_earn":"1% on UPI via the MobiKwik app only for transactions of Rs 2,000 or more; nil on UPI through other apps","reward_caps":"None stated","reward_exclusions":"MCCs 7273, 7995 (gambling), 9399 and 9311 (government, tax), 5406, 6012 (financial institutions), 6513 (rent); EMI conversions; refunded transactions","point_value":"Cashback credited to MobiKwik Wallet, withdrawable to bank","points_expiry":"Forfeited if the wallet is not opened within 30 days of bill generation","reward_notes":"Cashback programme effective 1 Feb 2026, replacing the SuperCash programme (10% SuperCash usable only at 10% per gift-card purchase). base_return_pct = 1% cashback on card spends.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"2.5% of outstanding or Rs 200, whichever is higher","cash_advance_fee":"2.5% of amount withdrawn or Rs 250, whichever is higher","eligibility":"Fixed deposit with SBM through the MobiKwik app; card limit up to 90% of the FD","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/MobiKwik-First-Card-KFS.pdf","source_other":["https://www.sbm.bank.in/pdf/notice-board/Mobikwik-RP.pdf","https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status"],"date_read":"2026-10-11","notes":"Network not printed in the KFS; RuPay inferred from the UPI feature. A general 1% surcharge fee is listed with no fuel waiver. SBM charges a 1% + taxes processing fee on rent (MCC 6513) and education payments on its secured cards for transactions on or after 15 Jul 2026. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":630,"depth":"full","slug":"sbm-mobikwik-first-credit-card","url":"https://m16s.in/cards/sbm-mobikwik-first-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM ZET Credit Card","cobrand_partner":"ZET","networks":["RuPay"],"segment":"entry","card_type":["cobrand","secured","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil membership and annual fee. Replacement Rs 249 + GST; cancellation Rs 499 + GST if closed within two years of activation (from 23 Oct 2026).","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.49,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"From 23 Oct 2026: 5% of total outstanding, min Rs 50, max Rs 1,000","cash_advance_fee":"3.5% of amount withdrawn or Rs 300, whichever is higher; cash limit 50% of available limit","eligibility":"Fixed deposit with SBM through the ZET app; credit limit 90% of the FD","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/SBM-Bank-ZET-Credit-Card-KFS.pdf","source_other":["https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["status","base_earn"],"date_read":"2026-10-11","notes":"FD-backed RuPay card with UPI, positioned as a credit builder. No reward document is published by SBM for this card. Rent and education payments carry a 1% fee. FD advertised at up to 7% p.a. with conditions. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":631,"depth":"fees-only","slug":"sbm-zet-credit-card","url":"https://m16s.in/cards/sbm-zet-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM Kredit.Pe Credit Card","cobrand_partner":"Kredit.Pe","networks":["RuPay"],"segment":"entry","card_type":["cobrand","secured","upi","rewards"],"status":"open","joining_fee":0,"annual_fee":199,"fee_waiver_spend":null,"fee_notes":"No joining fee. Annual fee Rs 199 + GST applies to credit limits under Rs 4,500. Replacement Rs 299 + GST; cancellation Rs 499 + GST in the first six months.","welcome_benefit":null,"reward_currency":"Cashback (usable as brand discounts)","base_earn":"3% on POS, online and UPI via the Kredit.Pe app","base_return_pct":null,"accelerated_earn":null,"reward_caps":"None stated","reward_exclusions":"UPI through any other app; rent, cash and quasi-cash, wire transfers, wallet loads, education, insurance, government/tax, gambling, agriculture, utilities, contractor services, tolls and transport, securities","point_value":"Not stated; redeemable only as 5% or 10% extra discounts on selected brand vouchers","points_expiry":null,"reward_notes":"The 3% is not cash: it can only be burned as partial discounts on vouchers in the Kredit.Pe app, so a cash-equivalent return is not computed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"5% of outstanding, min Rs 50, max Rs 1,000","cash_advance_fee":"2.5% of amount withdrawn or Rs 100, whichever is higher; cash limit 50% of credit limit","eligibility":"Fixed deposit with SBM through the Kredit.Pe app; credit limit 90% of the FD","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/Kredit-Pe-KFS.pdf","source_other":["https://www.sbm.bank.in/pdf/notice-board/kredit-pe-RP.pdf","https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status"],"date_read":"2026-10-11","notes":"Network not printed in the KFS; RuPay inferred from the card-on-UPI feature. Rent and education payments carry a 1% fee. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":632,"depth":"full","slug":"sbm-kredit-pe-credit-card","url":"https://m16s.in/cards/sbm-kredit-pe-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM novio Credit Card","cobrand_partner":"Credilio (novio)","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","secured","rewards","upi","fuel"],"status":"open","joining_fee":0,"annual_fee":299,"fee_waiver_spend":50000,"fee_notes":"No joining fee. Annual fee Rs 299 (virtual card) or Rs 499 (physical card) effective 23 Oct 2026, waived on Rs 50,000 spend in the preceding year. Replacement Rs 249; cancellation Rs 599 within two years of activation.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"5 RP per Rs 100 on UPI, POS and online (min transaction Rs 100), RuPay variant","base_return_pct":null,"accelerated_earn":"Fuel via UPI: 10 RP per Rs 100 on Rs 400-4,000 transactions at MCC 5541/5542","reward_caps":"Fuel UPI 400 RP a month; fuel POS 40 RP a month (1 RP per Rs 100); others unlimited","reward_exclusions":"Cash and quasi-cash, wallet loads, rent and real estate, gambling, securities, fuel dealers (MCC 5172, 5983), utilities, insurance, railways, legal/accounting, education, gift shops, agriculture, tax and government, EMI, fees","point_value":"Not stated; points buy discounted brand vouchers in the novio app and cannot be converted to cash","points_expiry":"No expiry at present (bank may introduce one with 30 days' notice)","reward_notes":"No redemption fee. Rupee value per point is not published, so base return is not computed. Reward table read is for the RuPay variant.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.49,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.5,"late_payment_fee":"Flat Rs 499","cash_advance_fee":"2.5% of amount withdrawn or Rs 299, whichever is higher; cash interest 2.99% per month","eligibility":"Fixed deposit with SBM through the novio (Credilio) app; credit limit 90% of the FD","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/SBM-Credilio-Key-Fact-Statement.pdf","source_other":["https://www.sbm.bank.in/pdf/notice-board/RP-SBM-Credilio-Rupay.pdf","https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["status"],"date_read":"2026-10-31","notes":"Purchase interest raised to 3.5% per month from 6 Jan 2026. FD pre-closure fee 1%. Rent and education payments carry a 1% fee. Over-limit fee nil. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":633,"depth":"full","slug":"sbm-novio-credit-card","url":"https://m16s.in/cards/sbm-novio-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM Magnet Credit Card","cobrand_partner":"Magnet","networks":[],"segment":"entry","card_type":["cobrand","secured","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee. Replacement Rs 249; cancellation Rs 499 if closed in the first year; FD closure 1%.","welcome_benefit":null,"reward_currency":"Magnet Coins","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"EMI and cash transactions","point_value":null,"points_expiry":null,"reward_notes":"SBM's page advertises 'unlimited magnet coins' but publishes no earn-rate document for this card. No redemption fee.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":2.49,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.5,"late_payment_fee":"Flat Rs 299","cash_advance_fee":"2.5% of withdrawal or Rs 300, whichever is higher; cash interest 3.3% per month","eligibility":"Fixed deposit with SBM through the Magnet app; credit limit 90% of the FD","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":"https://www.sbm.bank.in/pdf/kfs/SBM-Magnet-CC-Key-Fact-Statement.pdf","source_other":["https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status","base_earn"],"date_read":"2026-10-11","notes":"Lowest purchase interest among SBM's co-brands at 2.5% per month (30% p.a.). Rent and education payments carry a 1% fee. Over-limit fee nil. FD advertised at up to 7% p.a. with conditions. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":634,"depth":"fees-only","slug":"sbm-magnet-credit-card","url":"https://m16s.in/cards/sbm-magnet-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM Paisabazaar Step-Up Credit Card","cobrand_partner":"Paisabazaar","networks":[],"segment":"entry","card_type":["cobrand","secured"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":null,"welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Fixed deposit with SBM through Paisabazaar","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status","joining_fee","annual_fee","base_earn","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"FD-backed credit-builder card sold through Paisabazaar. Listed on SBM's secured-card page with its own KFS (https://www.sbm.bank.in/pdf/kfs/PB_KFS.pdf), MITC (https://www.sbm.bank.in/pdf/notice-board/Paisabazaar-MITC.pdf) and reward structure (https://www.sbm.bank.in/pdf/notice-board/Stepup-Reward-Structure.pdf), but those PDFs could not be fetched in this pass, so fees, interest and rewards are null. SBM charges a 1% + taxes processing fee on rent (MCC 6513) and education payments on its secured cards for transactions on or after 15 Jul 2026. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":635,"depth":"fees-only","slug":"sbm-paisabazaar-step-up-credit-card","url":"https://m16s.in/cards/sbm-paisabazaar-step-up-credit-card/"},{"issuer":"SBM Bank India","card_name":"SBM Paisabazaar Paisa Plus Credit Card","cobrand_partner":"Paisabazaar","networks":[],"segment":"entry","card_type":["cobrand","secured"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":null,"welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":null,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":null,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Fixed deposit with SBM through Paisabazaar","source_product_page":"https://www.sbm.bank.in/personal-banking/cards/secured-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.sbm.bank.in/pdf/SBM-Bank-India-Revenue-Sharing-Declaration.pdf"],"source_quality":"primary","unverified_fields":["networks","status","joining_fee","annual_fee","base_earn","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"FD-backed secured card for new-to-credit or credit-rebuilding customers; card art suggests RuPay. Listed on SBM's secured-card page with its own KFS (https://www.sbm.bank.in/pdf/kfs/PB_paisaplus_KFS.pdf), MITC (https://www.sbm.bank.in/pdf/terms-conditions/PB_paisaplus-MITC.pdf) and reward structure (https://www.sbm.bank.in/pdf/notice-board/PB_paisaplus_Reward-Structure.pdf), but those PDFs could not be fetched in this pass, so fees, interest and rewards are null. SBM charges a 1% + taxes processing fee on rent (MCC 6513) and education payments on its secured cards for transactions on or after 15 Jul 2026. Still listed on SBM's secured-card page and in its co-brand revenue-sharing declaration; whether the partner app is onboarding new SBM-issued customers today was not confirmed. ","id":636,"depth":"fees-only","slug":"sbm-paisabazaar-paisa-plus-credit-card","url":"https://m16s.in/cards/sbm-paisabazaar-paisa-plus-credit-card/"},{"issuer":"Standard Chartered","card_name":"Ultimate Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"Rs 5,000 joining and Rs 5,000 renewal each year. No spend-based waiver stated on the card page or in the T&C. 5,000 reward points on payment of the renewal fee from year 2 (not if the fee is converted to EMI). Supplementary card free.","welcome_benefit":"6,000 reward points (Rs 6,000) on payment of the Rs 5,000 joining fee, credited within 60 days; primary card only","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150","base_return_pct":3.33,"accelerated_earn":"5% cashback on duty-free spends","reward_caps":"No monthly cap on points stated. Duty-free cashback capped at Rs 1,000 per statement cycle.","reward_exclusions":"No points on fuel (MCC 5172, 5541, 5542, 5983), ATM/cash, fees and finance charges, or duty-free spends that earn cashback. Reduced earn of 3 RP per Rs 150 on utilities (MCC 4900), supermarkets (5411), insurance (5960, 6300), property management/rent (7349, 6513), schools (8299) and government (9399).","point_value":"1 RP = Rs 1 on the 360 Rewards catalogue","points_expiry":null,"reward_notes":"base_return_pct = 5 RP per Rs 150 x Rs 1 = 3.33%. Reduced-earn categories return 2% (3 RP per Rs 150). Redemption is against the 360 Rewards catalogue (vouchers, products), not cash; Rs 99 handling charge per redemption. The former 1.5% forex cashback ended on 25 Aug 2024. Points expiry is not stated on the page or in the T&C.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 complimentary visits per calendar quarter, for primary and supplementary cardholders individually","lounge_international":"Priority Pass membership free for primary and supplementary cards; 1 free visit per month, further visits charged (card page says USD 27 per visit, T&C says up to USD 35)","lounge_conditions":"The free Priority Pass visit needs card spend above Rs 20,000 in the previous month. Priority Pass visits inside India are chargeable. No spend condition on the domestic programme.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver at all fuel stations (MCC 5172, 5541, 5542, 5983), capped at Rs 1,000 per statement cycle","milestone_benefits":"None. Renewal benefit: 5,000 reward points on payment of the renewal fee.","other_freebies":"Golf: 1 complimentary game and 1 coaching session per month via Golflan (convenience charges payable). Insurance (HDFC ERGO): Rs 1 crore air accident cover; overseas travel cover incl. emergency medical up to USD 25,000, baggage loss up to USD 750, flight delay up to USD 200.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/ultimate-card/","source_mitc_or_tnc":"https://www.sc.bank.in/content/dam/sc/in/credit-cards/docs/in-ultimate-credit-card-tnc.pdf","source_other":[],"source_quality":"primary","unverified_fields":["points_expiry","eligibility","networks"],"date_read":"2026-10-11","notes":"Card page and T&C read. The page says the card is on the Mastercard network; the T&C still carries terms for a Visa variant, and one FAQ on the page refers to Visa Infinite. The page has no online apply button: 'To apply, visit nearest branch or call contact center'. Rent payments (MCC 6513) carry a 1% processing fee. A 1% charge applies on rupee transactions at overseas-registered merchants. Age and income criteria are not published on the page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":637,"depth":"full","slug":"standard-chartered-ultimate-credit-card","url":"https://m16s.in/cards/standard-chartered-ultimate-credit-card/"},{"issuer":"Standard Chartered","card_name":"Smart Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":120000,"fee_notes":"Rs 499 in year 1 and from year 2 per the tariff page. Renewal fee reversed on spend of Rs 1,20,000 or more in the preceding year. Supplementary card free.","welcome_benefit":"Extended interest-free period for the first 90 days after issuance, provided the minimum amount due is paid on the first three statements. No points or voucher welcome offer.","reward_currency":"Cashback","base_earn":"1% cashback on other spends","base_return_pct":1.0,"accelerated_earn":"2% cashback on online spends","reward_caps":"2% online cashback capped at Rs 1,000 per statement cycle; 1% other cashback capped at Rs 500 per statement cycle (Rs 18,000 a year in all). From 21 Aug 2024 the caps apply at client level across primary and supplementary cards.","reward_exclusions":"No cashback on fuel, cash advances, fees and finance charges, or bill payments through Billdesk / StanChart Bill Pay other than telecom and utility (electricity, water, gas) billers","point_value":"Cashback, Rs 1 = Rs 1","points_expiry":null,"reward_notes":"base_return_pct is the stated 1% on non-online spend, valid up to Rs 50,000 of such spend per cycle (Rs 500 cap). The 2% online rate holds up to Rs 50,000 of online spend per cycle (Rs 1,000 cap). No minimum transaction value stated. The T&C does not define 'online spends' or list MCCs.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":"3-month EMI at 0.99% per month with no processing fee on transactions of Rs 2,000 and above (Kuch Bhi on EMI)","interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/smart-credit-card/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-smartcard-product-terms-and-conditions.pdf","source_other":[],"source_quality":"primary","unverified_fields":["eligibility","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Card page and product T&C read. No lounge benefit is mentioned on either, so lounge is recorded as none. The page has no online apply button: 'To apply, visit nearest branch or call contact center'. The extended interest-free period excludes cash advances and EMI conversions and is lost if a minimum due is missed. Age and income criteria are not published on the page. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":638,"depth":"full","slug":"standard-chartered-smart-credit-card","url":"https://m16s.in/cards/standard-chartered-smart-credit-card/"},{"issuer":"Standard Chartered","card_name":"EaseMyTrip Credit Card","cobrand_partner":"EaseMyTrip","networks":["Visa"],"segment":"entry","card_type":["cobrand","travel"],"status":"open","joining_fee":350,"annual_fee":350,"fee_waiver_spend":50000,"fee_notes":"Rs 350 joining and Rs 350 renewal. Renewal fee reversed on spend of Rs 50,000 or more in the preceding year. Supplementary card Rs 350.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 100 on other retail spends (EaseMyTrip bookings also earn 2 RP per Rs 100)","base_return_pct":0.5,"accelerated_earn":"10 RP per Rs 100 on bookings at standalone airline and hotel websites, apps and outlets (not aggregators). On EaseMyTrip with code EMTSCB: 20% off hotels (cap Rs 5,000 domestic, Rs 10,000 international), 10% off flights (cap Rs 1,000 domestic, Rs 5,000 international), Rs 125 off bus bookings of Rs 500+.","reward_caps":"No monthly cap on reward points. EaseMyTrip instant discount: one per category per card per month, with the per-transaction caps above.","reward_exclusions":"No points on cash withdrawals, fees and finance charges, returned or disputed transactions. The T&C lists no category (MCC) exclusions.","point_value":"2 RP = Rs 0.50, i.e. 1 RP = Rs 0.25 (card page)","points_expiry":"2 years from the date earned","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.25 = 0.5%. Standalone airline and hotel spend returns 2.5% (10 RP per Rs 100). Redemption only against the 360 Rewards catalogue; Rs 99 handling charge. Domestic hotel discounts apply only to hotels in EaseMyTrip's discount programme.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 complimentary visits per calendar year (from 15 Oct 2024)","lounge_international":"None. The 2 complimentary Priority Pass visits a year were discontinued on 15 Oct 2024; Priority Pass membership remains free but visits are charged at up to USD 29.","lounge_conditions":"Rs 2 non-refundable validation swipe at domestic lounges; guests are paid. No spend condition stated.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":"Age 18-65 for the primary applicant, 18+ for add-on. Stable monthly income (no minimum stated). Must live in one of the bank's card sourcing cities.","source_product_page":"https://www.sc.bank.in/credit-cards/easemytrip-credit-card/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-easemytrip-product-terms-and-conditions.pdf","source_other":[],"source_quality":"primary","unverified_fields":["welcome_benefit"],"date_read":"2026-10-11","notes":"Card page and product T&C read. No welcome benefit is stated. The lounge wording in the T&C mixes a quarterly and an annual limit; the card page says 2 per calendar year. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":639,"depth":"full","slug":"standard-chartered-easemytrip-credit-card","url":"https://m16s.in/cards/standard-chartered-easemytrip-credit-card/"},{"issuer":"Standard Chartered","card_name":"Rewards Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":0,"annual_fee":1000,"fee_waiver_spend":150000,"fee_notes":"No joining fee. Rs 1,000 renewal from year 2, reversed on spend of Rs 1,50,000 or more in the previous year. If the fee is paid and not reversed, 4,000 reward points are credited within 60 days. Supplementary card Rs 1,000 from year 2.","welcome_benefit":"None stated; first year free","reward_currency":"Reward Points","base_earn":"4 RP per Rs 150 on retail spends","base_return_pct":0.67,"accelerated_earn":"Extra 4 RP per Rs 150 on retail spend once spend in the statement cycle exceeds Rs 20,000","reward_caps":"Bonus points capped at 2,000 per statement cycle. No cap on base points.","reward_exclusions":"No points on fuel and cash withdrawals/advances, fees and finance charges. Government and insurance spends earn 1 RP per Rs 150.","point_value":"1 RP = Rs 0.25 on the catalogue; 1 RP = Rs 0.20 against statement outstanding (minimum 1,000 points, multiples of 100)","points_expiry":null,"reward_notes":"base_return_pct = 4 RP per Rs 150 x Rs 0.25 = 0.67% (0.53% if taken as statement credit). With the bonus, spend above Rs 20,000 in a cycle returns 1.33% until the 2,000-point cap, i.e. on the next Rs 75,000. Rs 99 redemption fee. Points are also earned on EMI-converted transactions. The page and FAQ differ on whether the bonus covers only retail spend or all categories except government and insurance. Expiry not stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter, for primary and supplementary cardholders individually","lounge_international":"None","lounge_conditions":"No spend condition stated. Rs 25 authorisation (Mastercard) taken for validation and not charged.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% waiver on fuel transactions of Rs 400-2,000, capped at Rs 400 per statement cycle","milestone_benefits":"4,000 reward points on payment of the annual fee where the fee is not reversed","other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/rewards-credit-card/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-rewardscard-product-terms-and-conditions.pdf","source_other":[],"source_quality":"primary","unverified_fields":["points_expiry","eligibility","lounge_international"],"date_read":"2026-10-11","notes":"Card page and product T&C read. The page says the card is on Mastercard; the T&C also carries Visa lounge terms. The page has no online apply button: 'To apply, visit nearest branch or call contact center'. Rent payments (MCC 6513) carry a 1% processing fee. Age and income criteria are not published on the page. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":640,"depth":"full","slug":"standard-chartered-rewards-credit-card","url":"https://m16s.in/cards/standard-chartered-rewards-credit-card/"},{"issuer":"Standard Chartered","card_name":"Platinum Rewards Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards"],"status":"open","joining_fee":250,"annual_fee":250,"fee_waiver_spend":null,"fee_notes":"Conflict on the issuer's own pages. The tariff page and the card page FAQ list Rs 250 in year 1 and Rs 250 from year 2. The card page headline says zero joining and annual fee, with a one-time Rs 250 fee charged only if no retail transaction of Rs 500 or more is made within 30 days of issuance (digital applications only, not for existing cardholders). Supplementary card free.","welcome_benefit":"None. 'Spend once and get the card lifetime free': the one-time Rs 250 fee is not charged if Rs 500 is spent within 30 days of issuance.","reward_currency":"Reward Points","base_earn":"1 RP per Rs 150","base_return_pct":null,"accelerated_earn":"5 RP per Rs 150 at fine-dining outlets and on fuel","reward_caps":"No monthly cap on rewards (card page)","reward_exclusions":"Not listed on the card page; the T&C PDF is a scanned image and could not be read","point_value":null,"points_expiry":null,"reward_notes":"Point value is not stated on the card page and the T&C PDF had no readable text, so base return is not computed. Fuel earns 5 RP per Rs 150, unlike most Standard Chartered cards. Redemptions carry a Rs 99 handling charge.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/platinum-rewards/","source_mitc_or_tnc":"https://www.sc.bank.in/credit-cards/tariffs-and-charges/","source_other":[],"source_quality":"primary","unverified_fields":["point_value","points_expiry","reward_exclusions","eligibility","joining_fee","annual_fee","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Card page read. Product T&C (https://av.sc.bank.in/content/docs/in-sc-platinum-rewards-credit-card-tcs.pdf) returned no machine-readable text. joining_fee and annual_fee keep the tariff-page Rs 250 figures; see fee_notes for the lifetime-free route. Online application link is live on the page. No lounge benefit is mentioned. Rent payments (MCC 6513) carry a 1% processing fee. Age and income criteria are not published. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":641,"depth":"full","slug":"standard-chartered-platinum-rewards-credit-card","url":"https://m16s.in/cards/standard-chartered-platinum-rewards-credit-card/"},{"issuer":"Standard Chartered","card_name":"Super Value Titanium Credit Card","cobrand_partner":null,"networks":["Mastercard"],"segment":"entry","card_type":["cashback","fuel"],"status":"open","joining_fee":750,"annual_fee":750,"fee_waiver_spend":null,"fee_notes":"Rs 750 in year 1 and from year 2 per the tariff page. Supplementary card free. The card page gives no fee or waiver threshold.","welcome_benefit":null,"reward_currency":"Cashback plus Reward Points","base_earn":"1 RP per Rs 150 on other spends","base_return_pct":null,"accelerated_earn":"5% cashback on fuel (transactions up to Rs 2,000), phone bills (transactions above Rs 750) and utility bills (minimum Rs 750)","reward_caps":"Fuel: Rs 100 per transaction, Rs 200 per statement cycle. Phone: Rs 100 per transaction, Rs 200 per cycle. Utilities: Rs 100 per transaction, Rs 100 per cycle. Maximum cashback Rs 500 per cycle.","reward_exclusions":"Bill cashback needs payment through Standard Chartered's bill pay platforms. No other exclusion list on the card page.","point_value":null,"points_expiry":null,"reward_notes":"Base return not computed: no point value stated for the 1 RP per Rs 150. The 5% rate runs out quickly: Rs 4,000 of fuel, Rs 4,000 of phone bills and Rs 2,000 of utilities per cycle. Rs 99 redemption handling charge.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"Standard card: none complimentary. Premium Banking variant: 1 complimentary Priority Pass visit per month outside India.","lounge_conditions":"Premium variant needs Premium Banking status: Rs 15 lakh funds under management or Rs 1.5 lakh monthly salary credit","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None. The 1% fuel surcharge waiver was discontinued on 25 Aug 2024. Tariff: surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/super-value-titanium/","source_mitc_or_tnc":"https://www.sc.bank.in/credit-cards/tariffs-and-charges/","source_other":[],"source_quality":"primary","unverified_fields":["fee_waiver_spend","point_value","points_expiry","eligibility"],"date_read":"2026-10-11","notes":"Card page read; no product T&C link was exposed on it. The page invites online applications with video KYC, so status is open. The page states the fuel cap as per statement cycle in one place and per month in another. Rent payments (MCC 6513) carry a 1% processing fee. Age and income criteria are not published. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":642,"depth":"full","slug":"standard-chartered-super-value-titanium-credit-card","url":"https://m16s.in/cards/standard-chartered-super-value-titanium-credit-card/"},{"issuer":"Standard Chartered","card_name":"Manhattan Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["cashback","rewards"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":120000,"fee_notes":"Rs 999 in year 1 and from year 2 per the tariff page (listed as Manhattan Platinum). Renewal fee reversed if the previous year's spend exceeds Rs 1,20,000. Supplementary card free.","welcome_benefit":null,"reward_currency":"Cashback plus Reward Points","base_earn":"3 RP per Rs 150 on other spends","base_return_pct":null,"accelerated_earn":"5% cashback at groceries, supermarkets and departmental stores","reward_caps":"5% cashback needs a minimum transaction of Rs 1,000; capped at Rs 150 per transaction and Rs 500 per statement cycle across primary and supplementary cards","reward_exclusions":"No points or cashback on cash withdrawals/advances, loans, fees and finance charges, returned or disputed transactions. No MCC exclusion list in the T&C.","point_value":null,"points_expiry":null,"reward_notes":"Base return not computed: neither the card page nor the T&C states a rupee value per point. The Rs 500 cashback cap is reached at Rs 10,000 of supermarket spend per cycle. Rs 99 redemption handling charge.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/manhattan-platinum/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-manhattan-platinum-credit-card-terms-and-condition.pdf","source_other":[],"source_quality":"primary","unverified_fields":["point_value","points_expiry","eligibility","welcome_benefit","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Status corrected from closed-to-new to open: Standard Chartered's own card page, the listing and the tariff table all carry the card, the page invites applications ('Apply for Manhattan Credit Card', approval in about 6 days) and nothing on the page or in the T&C says it is withdrawn. The page shows no apply button in its body, so confirm at a branch. Card page and product T&C read. No lounge benefit is mentioned. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":643,"depth":"full","slug":"standard-chartered-manhattan-credit-card","url":"https://m16s.in/cards/standard-chartered-manhattan-credit-card/"},{"issuer":"Standard Chartered","card_name":"Priority Visa Infinite Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"premium","card_type":["rewards","lifetime-free"],"status":"invite-only","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil annual fee in year 1 and from year 2 per the tariff page; supplementary card free","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":null,"accelerated_earn":"5 RP per Rs 100 on overseas spends and retail fashion","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"Earn rates are from the card page. Point value, caps, exclusions and expiry are not on the page, and the consolidated T&C covers only lounge, golf and insurance, so base return is not computed. Redemption via the 360 Rewards catalogue; Rs 99 handling charge.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 complimentary visits per calendar quarter, for primary and supplementary cardholders individually","lounge_international":"2 complimentary Priority Pass visits per card per month; Priority Pass membership fee (USD 99) waived","lounge_conditions":"The free Priority Pass visits need Rs 30 lakh funds under management at individual level in the month of use and an active card. Extra and guest visits up to USD 35 each. Priority Pass visits inside India are chargeable. Rs 2 validation swipe at domestic lounges.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":"Golf via Priority Concierge: 2 complimentary games, 1 guest game and 1 coaching session per month. Insurance (HDFC ERGO): Rs 1 crore air accident cover; overseas travel cover incl. emergency medical up to USD 25,000, baggage loss up to USD 750, flight delay up to USD 200; lost card cover Rs 25,000. Exempt from the Rs 199 branch and Rs 49 phone service handling charges.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":"Reserved for Standard Chartered Priority Banking customers. Age 21-65, stable monthly income, resident in one of the bank's card sourcing cities.","source_product_page":"https://www.sc.bank.in/credit-cards/priority-banking-visa-infinite/","source_mitc_or_tnc":"https://www.sc.bank.in/content/dam/sc/in/credit-cards/docs/in-consolidated-priority-visa-infinite-terms-conditions.pdf","source_other":[],"source_quality":"primary","unverified_fields":["reward_caps","reward_exclusions","point_value","points_expiry","welcome_benefit"],"date_read":"2026-10-11","notes":"Card page and consolidated T&C read. 'invite-only' here means relationship-gated to Priority Banking, not a formal invitation. Several FAQ answers on the card page are copied from the Platinum Rewards card and were ignored. Rent payments (MCC 6513) carry a 1% processing fee. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":644,"depth":"partial","slug":"standard-chartered-priority-visa-infinite-credit-card","url":"https://m16s.in/cards/standard-chartered-priority-visa-infinite-credit-card/"},{"issuer":"Standard Chartered","card_name":"Beyond Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":15000,"annual_fee":25000,"fee_waiver_spend":null,"fee_notes":"Rs 15,000 joining and Rs 25,000 from year 2. Annual fee waived if the client meets the funds-under-management qualification at individual level in the 3 months before the fee is levied. No spend-based waiver. Supplementary card free.","welcome_benefit":"Rs 15,000 of vouchers (Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, IKEA, Marks & Spencer) on payment of the joining fee; primary card only","reward_currency":"Reward Points","base_earn":"5 RP per Rs 150","base_return_pct":3.33,"accelerated_earn":"15% cashback at duty-free stores","reward_caps":"No numeric cap on points stated. Duty-free cashback capped at Rs 1,500 per statement cycle.","reward_exclusions":"No points on fuel (MCC 5172, 5541, 5542, 5983), ATM/cash, fees and finance charges, or duty-free spends that earn cashback (MCC 5309). Reduced earn of 3 RP per Rs 150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments.","point_value":"1 RP = Rs 1 on the 360 Rewards catalogue","points_expiry":"3 years from the date earned","reward_notes":"base_return_pct = 5 RP per Rs 150 x Rs 1 = 3.33%, matching the page's 'up to 3.3%'. Reduced categories return 2%. Redemption is against the 360 Rewards catalogue, not cash; no airline or hotel transfer is mentioned. Primary and supplementary points cannot be pooled.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Unlimited for the cardholder plus 4 guest visits per calendar year (T&C)","lounge_international":"Unlimited via Priority Pass plus 4 guest visits per calendar year (T&C)","lounge_conditions":"Conflict on the issuer's own pages: the T&C and page body say unlimited, the page's savings table values 8 domestic and 6 international visits, and the page body says 8 guest visits against 4 + 4 in the T&C. Rs 2 swipe at domestic lounges; USD 1 Priority Pass authentication, reversed.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% waiver on fuel MCCs, capped at Rs 5,000 per statement cycle (T&C)","milestone_benefits":"Reward points worth Rs 60,000 on annual spend of Rs 20 lakh (card page; not in the T&C)","other_freebies":"Golf: 2 complimentary games per month at 40+ courses via Thriwe (the page's savings table counts 6 a year). EazyDiner 25% off. BookMyShow buy-one-get-one. ITC Hotels: 50% off the second night or 3-for-2. Visa Luxury Hotel Collection status and upgrades. Dine with Visa.","interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":"Priority and Private Banking clients with funds under management of Rs 50 lakh or more for at least 2 consecutive months","source_product_page":"https://www.sc.bank.in/credit-cards/beyond-credit-card/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-beyond-credit-card-tnc.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","milestone_benefits","lounge_conditions"],"date_read":"2026-10-11","notes":"Card page and T&C read. Status set to invite-only in the same sense as the Priority Visa Infinite: relationship-gated to Priority/Private Banking, not a formal invitation. Network is not stated outright; Visa is inferred from the Visa lounge programme, Visa Luxury Hotel Collection and Dine with Visa benefits. The 2% forex markup is from the T&C; the tariff page names only Ultimate as an exception to 3.5%. Benefits can be withdrawn if the funds-under-management level is not kept. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":645,"depth":"full","slug":"standard-chartered-beyond-credit-card","url":"https://m16s.in/cards/standard-chartered-beyond-credit-card/"},{"issuer":"Standard Chartered","card_name":"DigiSmart Credit Card","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["shopping"],"status":"open","joining_fee":null,"annual_fee":588,"fee_waiver_spend":null,"fee_notes":"Rs 49 per month (Rs 588 a year) billed from the first statement; supplementary card also Rs 49 a month. Each month's fee is reversed if spend in the next calendar month exceeds Rs 5,000 (reversal posts within 90 days). No joining fee is listed.","welcome_benefit":null,"reward_currency":"Instant discounts and cashback (no reward points)","base_earn":"None. The card earns no reward points on spends.","base_return_pct":null,"accelerated_earn":"Blinkit 10% off; Zomato 10% off; Yatra 20% off domestic flights, 10% off international flights, 25% off domestic hotels; Ola 15% cashback; INOX buy-one-get-one on weekend shows. Code DIGISMART for Blinkit, Zomato and Yatra.","reward_caps":"Blinkit: 5 transactions and Rs 1,000 discount a month. Zomato: 5 a month, Rs 150 per transaction. Yatra: one per quarter per category; cap Rs 750 domestic flights, Rs 10,000 international flights (minimum Rs 20,000), Rs 4,000 domestic hotels. Ola: Rs 600 a month across primary and supplementary cards. INOX: 2 a month, Rs 200 per transaction.","reward_exclusions":"Ola cashback excludes bike, auto and share rides and Ola Wallet loads, and is not available to NRE account holders","point_value":null,"points_expiry":null,"reward_notes":"No base return: the T&C says no reward points are awarded on spends. Value comes only from the merchant offers. Cashback posts within 60 days of the end of the transaction month. The bank can change or remove merchants at any time. Myntra, named on the bank's listing page, does not appear on the card page or in the T&C.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher.","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months","cash_advance_fee":"3% min Rs 300","eligibility":null,"source_product_page":"https://www.sc.bank.in/credit-cards/digismart-card/","source_mitc_or_tnc":"https://av.sc.bank.in/content/docs/in-digismart-product-terms-and-conditions.pdf","source_other":[],"source_quality":"primary","unverified_fields":["eligibility","joining_fee","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Status corrected from closed-to-new to open: Standard Chartered's card page carries a live online application link (apply.standardchartered.co.in, selectedCardId=14), offers video KYC and says existing cardholders can also apply; nothing on the page or in the T&C says the card is withdrawn. Card page and product T&C read. fee_waiver_spend is null because the waiver is monthly (Rs 5,000 in the following month), not annual. Rent payments (MCC 6513) carry a 1% processing fee. Age and income criteria are not published. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded.","id":646,"depth":"full","slug":"standard-chartered-digismart-credit-card","url":"https://m16s.in/cards/standard-chartered-digismart-credit-card/"},{"issuer":"Equitas Small Finance Bank","card_name":"Tiga","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","upi"],"status":"open","joining_fee":500,"annual_fee":500,"fee_waiver_spend":50000,"fee_notes":"MITC lists Rs 500 joining and Rs 500 annual. Bank product page says first year free subject to bank conditions, Rs 500 after. Waiver threshold of Rs 50,000 annual spend is from cardinsider only; bank page says a threshold exists without stating it.","welcome_benefit":"Introductory finance charge 0.99% per month for first 3 months from card open date, then 3.75%","reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.15,"accelerated_earn":"3X (3 RP per Rs 100) on UPI, contactless and Pay by 3 merchant spends","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.15 products/vouchers/travel; Rs 0.10 cashback (aggregator figures)","points_expiry":"2 years","reward_notes":"base_return_pct = 1 RP per Rs 100 x Rs 0.15 = 0.15%; 3X categories about 0.45%. Point values from paisabazaar/cardinsider, not from a bank document. Redemption fee Rs 99, min 500 points.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 100/month, Rs 1,200/year; no points on waived txns; GST on surcharge not reversed","milestone_benefits":null,"other_freebies":"Pay by 3: select merchant purchases (Tata Cliq, Netmeds, Lectrix and others) convert to 3-month low-cost EMI; air accident, credit shield, lost card liability cover per bank page","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"2.5% or Rs 250, whichever is higher; cash limit 30% of credit limit","eligibility":"Annual income Rs 4.2 lakh to Rs 5 lakh per bank page; aggregators list age 22-60, salaried","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards/tiga-credit-card","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://equitas.bank.in/personal-banking/pay/credit-cards","https://equitasbank.com/strapi-dev/uploads/Key_Fact_Statement_300824_4f08cc142a.pdf","https://www.paisabazaar.com/equitas-small-finance-bank/credit-card/","https://cardinsider.com/equitas-small-finance-bank/tiga-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","fee_waiver_spend","point_value","base_return_pct","eligibility"],"date_read":"2026-10-11","notes":"MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document. Network not stated on bank pages; 3X on UPI implies a RuPay variant but that was not confirmed.","id":647,"depth":"full","slug":"equitas-tiga","url":"https://m16s.in/cards/equitas-tiga/"},{"issuer":"Equitas Small Finance Bank","card_name":"Tiga Secured","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","secured","upi"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":null,"fee_notes":"MITC lists Rs 1,000 joining and Rs 1,000 annual for the secured variant, double the unsecured Tiga.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1 RP per Rs 100","base_return_pct":0.15,"accelerated_earn":"3X on UPI, contactless and Pay by 3 transactions","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.15 products/vouchers/travel; Rs 0.10 cashback (aggregator figures for Tiga)","points_expiry":"2 years","reward_notes":"Same reward rules as Tiga per MITC. base_return_pct = 1 x 0.15 = 0.15%, using aggregator point value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 100/month, Rs 1,200/year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"Zero cash limit on secured variants","eligibility":"Against a fixed deposit with Equitas; FD minimum and limit ratio not found","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://cardinsider.com/equitas-small-finance-bank/tiga-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","point_value","base_return_pct","eligibility","welcome_benefit"],"date_read":"2026-10-11","notes":"Secured variant appears only in the MITC fee table; no product page, FD minimum or limit-to-FD ratio found. MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document.","id":648,"depth":"full","slug":"equitas-tiga-secured","url":"https://m16s.in/cards/equitas-tiga-secured/"},{"issuer":"Equitas Small Finance Bank","card_name":"Selfe","cobrand_partner":null,"networks":["RuPay","Visa"],"segment":"mid","card_type":["rewards","upi"],"status":"open","joining_fee":1000,"annual_fee":1000,"fee_waiver_spend":200000,"fee_notes":"MITC: Rs 1,000 joining, Rs 1,000 annual. Bank page: first year free (conditions apply); waiver on spend 'e.g. Rs 2,00,000' in the year. Paisabazaar and Cardexpert say Rs 2.4 lakh. Card style charges: green plastic Rs 250, metal Rs 3,500 (also replacement cost).","welcome_benefit":"Choice of 2 memberships from Amazon Prime, JioHotstar, SonyLIV, Zee5, Discovery+ (Cardexpert: claimable a day after activation, 90 days validity)","reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.7,"accelerated_earn":"5X (10 RP per Rs 100) on any 2 chosen categories out of Apparel, Dining, Grocery, Utility, Taxi","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.35 products/vouchers/travel; Rs 0.15 cashback at base tier (aggregator figures)","points_expiry":"2 years","reward_notes":"base_return_pct = 2 RP per Rs 100 x Rs 0.35 = 0.7%; 5X categories 3.5% at base tier. Higher privilege tiers raise value per Cardexpert (Diamond: Rs 1 per RP at about Rs 1 lakh monthly spend for 3 months). Redemption fee Rs 99.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"1 per calendar quarter","lounge_international":null,"lounge_conditions":"No spend condition stated on bank page","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 250/month, Rs 3,000/year","milestone_benefits":null,"other_freebies":"Choice of billing cycle (12th, 16th, 20th); card styles Regular, Green, Sleek Metal","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"2.5% or Rs 250, whichever is higher; cash limit 40% of credit limit","eligibility":"Annual income Rs 5 lakh to Rs 18 lakh (bank page); aggregators: age 22-60, salaried","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards/selfe-credit-card","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://equitas.bank.in/personal-banking/pay/credit-cards","https://equitasbank.com/strapi-dev/uploads/Key_Fact_Statement_300824_4f08cc142a.pdf","https://www.cardexpert.in/equitas-selfe-credit-card/","https://www.paisabazaar.com/equitas-small-finance-bank/equitas-selfe-credit-card/"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct","fee_waiver_spend","welcome_benefit"],"date_read":"2026-10-11","notes":"MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document. Grocery and utility are weak 5X picks because of the 2,000 points monthly cap.","id":649,"depth":"full","slug":"equitas-selfe","url":"https://m16s.in/cards/equitas-selfe/"},{"issuer":"Equitas Small Finance Bank","card_name":"Selfe Secured","cobrand_partner":null,"networks":["RuPay","Visa"],"segment":"entry","card_type":["rewards","secured"],"status":"open","joining_fee":2000,"annual_fee":2000,"fee_waiver_spend":null,"fee_notes":"MITC lists Rs 2,000 joining and Rs 2,000 annual for the secured variant, double the unsecured Selfe.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"2 RP per Rs 100","base_return_pct":0.7,"accelerated_earn":"5X on 2 chosen categories out of 5","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.35 products/vouchers/travel; Rs 0.15 cashback (aggregator figures for Selfe)","points_expiry":"2 years","reward_notes":"Same reward rules as Selfe per MITC. base_return_pct = 2 x 0.35 = 0.7%, using aggregator point value.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 250/month, Rs 3,000/year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"Zero cash limit on secured variants","eligibility":"Against a fixed deposit with Equitas; FD minimum and limit ratio not found","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://www.cardexpert.in/equitas-selfe-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","point_value","base_return_pct","eligibility","lounge_domestic","welcome_benefit"],"date_read":"2026-10-11","notes":"Secured variant appears only in the MITC fee table; no product page, FD minimum or limit-to-FD ratio found. Whether memberships and lounge visits carry over to the secured variant was not confirmed. MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document.","id":650,"depth":"full","slug":"equitas-selfe-secured","url":"https://m16s.in/cards/equitas-selfe-secured/"},{"issuer":"Equitas Small Finance Bank","card_name":"PowerMiles","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","travel"],"status":"open","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":480000,"fee_notes":"MITC: Rs 5,000 joining, Rs 5,000 annual. Bank page: first year free (conditions apply); annual waiver on spend 'e.g. Rs 4,80,000' in anniversary year. Aggregators: joining fee waived on Rs 1.2 lakh spend in first 90 days. Metal card; metal replacement or add-on Rs 3,500.","welcome_benefit":"Club Marriott and EazyDiner memberships","reward_currency":"Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":1.5,"accelerated_earn":"3X (9 RP per Rs 100) on international spends; MITC says 3X on international POS on a best-effort basis","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.50 products/vouchers/flights/hotels; Rs 0.25 cashback (aggregator figures)","points_expiry":"3 years","reward_notes":"base_return_pct = 3 RP per Rs 100 x Rs 0.50 = 1.5%; international 4.5% before 2% markup. Point values from paisabazaar/cardinsider. Redemption fee Rs 99.","transfer_partners":["British Airways","United Airlines","Finnair","Air Canada","Etihad","Thai Airways","AirAsia","Air India","Japan Airlines","IHG Hotels and Resorts","Wyndham Hotels and Resorts"],"transfer_ratio":"1:1 Xchange Miles (bank page says 10+ airline and hotel partners)","lounge_domestic":"2 per calendar quarter (select lounges)","lounge_international":"1 per calendar quarter","lounge_conditions":"Bank page: access per card rules. Paisabazaar says via Priority Pass, 8 domestic and 4 international a year.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 450/month, Rs 5,400/year","milestone_benefits":null,"other_freebies":"1:1 Xchange brands (Tanishq, Taj, M&S, The Body Shop); travel accident and lost card liability cover; concierge per aggregators","interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"2.5% or Rs 250, whichever is higher; cash limit 40% of credit limit","eligibility":"Annual income Rs 18 lakh (bank page); aggregators: age 22-60, salaried","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://equitasbank.com/strapi-dev/uploads/Key_Fact_Statement_300824_4f08cc142a.pdf","https://www.paisabazaar.com/equitas-small-finance-bank/equitas-powermiles-credit-card/","https://cardinsider.com/equitas-small-finance-bank/powermiles-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","transfer_partners","point_value","base_return_pct","lounge_conditions","fee_waiver_spend"],"date_read":"2026-10-11","notes":"MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document. Partner list is from cardinsider, which says transfers go live from March 2027; paisabazaar says from 1 Jan 2026. Whether miles transfer actually works today is not confirmed. The dedicated PowerMiles page on equitas.bank.in was blocked by robots.txt; bank facts come from the cards listing page, the Selfe/Tiga pages (which carry all three cards) and the MITC.","id":651,"depth":"full","slug":"equitas-powermiles","url":"https://m16s.in/cards/equitas-powermiles/"},{"issuer":"Equitas Small Finance Bank","card_name":"PowerMiles Secured","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","travel","secured"],"status":"invite-only","joining_fee":5000,"annual_fee":5000,"fee_waiver_spend":null,"fee_notes":"MITC lists Rs 5,000 joining and Rs 5,000 annual, same as unsecured PowerMiles.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"3 RP per Rs 100","base_return_pct":1.5,"accelerated_earn":"3X on international POS on a best-effort basis","reward_caps":"Grocery and utility points capped at 2,000 per month per category; insurance capped at 2,000 points per day (MITC).","reward_exclusions":"No points on rent, wallet load, EMI, fuel, cash advances, government spends (MITC). Aggregators add education for PowerMiles.","point_value":"1 RP = Rs 0.50 products/vouchers/travel; Rs 0.25 cashback (aggregator figures for PowerMiles)","points_expiry":"3 years","reward_notes":"Same reward rules as PowerMiles per MITC. base_return_pct = 3 x 0.50 = 1.5%, using aggregator point value.","transfer_partners":["British Airways","United Airlines","Finnair","Air Canada","Etihad","Thai Airways","AirAsia","Air India","Japan Airlines","IHG Hotels and Resorts","Wyndham Hotels and Resorts"],"transfer_ratio":"1:1 Xchange Miles (as for PowerMiles; not separately confirmed for secured)","lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on fuel txns Rs 500-3,000; cap Rs 450/month, Rs 5,400/year","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.75,"late_payment_fee":"Nil below Rs 100; Rs 100 (101-500); Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,000 (25,001-50,000); Rs 1,200 above Rs 50,000","cash_advance_fee":"Zero cash limit on secured variants","eligibility":"Against a fixed deposit; paisabazaar says the secured variant is available to select customers. FD minimum not found","source_product_page":"https://equitas.bank.in/personal-banking/pay/credit-cards","source_mitc_or_tnc":"https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf","source_other":["https://www.paisabazaar.com/equitas-small-finance-bank/equitas-powermiles-credit-card/","https://cardinsider.com/equitas-small-finance-bank/powermiles-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","status","transfer_partners","transfer_ratio","point_value","base_return_pct","eligibility","lounge_domestic","lounge_international"],"date_read":"2026-10-11","notes":"Secured variant appears in the MITC fee table and forex row; no product page, FD minimum or limit-to-FD ratio found. Status set to invite-only on paisabazaar's 'select customers' line. MITC v1.1: reward redemption fee Rs 99; min redemption 500 points; points nullified if card unused for 365 days; rent (MCC 6513) fee 1% capped Rs 3,000 per txn; wallet load (MCC 6540) fee 2.5%; over-limit 2.5% min Rs 550; payment return 2% min Rs 450; 3-day grace after due date. MITC says actual fees are conveyed at application. Privilege tiers (Blue to Diamond, based on 3 consecutive months of spend) raise point value per aggregators; tier details not read from a bank document.","id":652,"depth":"full","slug":"equitas-powermiles-secured","url":"https://m16s.in/cards/equitas-powermiles-secured/"},{"issuer":"ESAF Small Finance Bank","card_name":"INORI RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"MITC: no joining fee, no annual fee, add-on card free.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1.25% cashback on all bill amounts (product page wording)","base_return_pct":1.25,"accelerated_earn":null,"reward_caps":"Not stated","reward_exclusions":"Not stated; MITC says cashback applies at eligible merchant categories that the bank may change at its discretion","point_value":"Cashback adjusted against next statement balance","points_expiry":null,"reward_notes":"base_return_pct = 1.25% as stated on the bank product page; no cap or exclusion list published, so real return may be lower.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"Waiver on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":"Personal accident and permanent disability cover up to Rs 2 lakh; 24/7 concierge; RuPay merchant offers (product page)","interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 500 flat, once per statement cycle; 3-day grace","cash_advance_fee":"5% or Rs 500, whichever is higher; cash limit at bank discretion","eligibility":"Not stated on bank pages","source_product_page":"https://www.esaf.bank.in/credit-card/","source_mitc_or_tnc":"https://www.esaf.bank.in/wp-content/uploads/2026/08/Most-Important-Terms-And-Conditions-MITC-Inori_English.pdf","source_other":["https://www.esaf.bank.in/apply-credit-card/","https://www.outlookbusiness.com/economy-and-policy/esaf-bank-launches-inori-rupay-credit-card","https://www.esaf.bank.in/wp-content/uploads/2026/07/CC_Cashback-Campaign-offer.pdf"],"source_quality":"primary","unverified_fields":["card_type","eligibility"],"date_read":"2026-10-11","notes":"MITC v23 (updated May 2025): daily finance charge 0.1% (3% per month, 36.5% APR); interest-free period 20-50 days; minimum amount due 10% of total due; rent payments carry 1% surcharge and are capped at 40% of credit limit per month; return payment charge 2.5%; lost card replacement Rs 500; physical statement Rs 50; card suspended at 14 days overdue, permanently blocked at 60 days. MITC gives no cashback rate, cap or exclusion list; the 1.25% figure is from the product page only. MITC section on insurance says 'currently not applicable' while the product page advertises cover up to Rs 2 lakh. Launched Aug 2024. UPI tag assumed from RuPay network, not stated by the bank. A 5% fuel cashback campaign (cap Rs 250) ran 25 Jun-25 Jul 2026 for dormant cards only.","id":653,"depth":"full","slug":"esaf-inori-rupay-platinum-credit-card","url":"https://m16s.in/cards/esaf-inori-rupay-platinum-credit-card/"},{"issuer":"ESAF Small Finance Bank","card_name":"FD Backed Credit Card (INORI secured)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Bank publishes a single credit card MITC (no joining or annual fee); no separate fee schedule for the FD-backed card was found.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"No reward terms published for the FD-backed card. The INORI product page states 1.25% cashback; whether that applies to the FD-backed card is not confirmed.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"Waiver on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 500 flat, once per statement cycle","cash_advance_fee":"5% or Rs 500, whichever is higher","eligibility":"Fixed deposit with ESAF; applied through the bank's online accounts portal. Policybazaar says limit up to 90% of FD; FD minimum not found","source_product_page":"https://www.esaf.bank.in/credit-card/","source_mitc_or_tnc":"https://www.esaf.bank.in/wp-content/uploads/2026/08/Most-Important-Terms-And-Conditions-MITC-Inori_English.pdf","source_other":["https://www.esaf.bank.in/apply-credit-card/","https://www.policybazaar.com/financial-planning/fixed-deposit/esaf-small-finance-bank-fd-rates/credit-card-against-fd/"],"source_quality":"mixed","unverified_fields":["networks","joining_fee","annual_fee","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","fuel_surcharge_waiver","eligibility","card_type"],"date_read":"2026-10-11","notes":"The bank's credit card page and apply page list an 'FD Backed Credit Card' apply link (product=FD_CC) with no details. Fee fields here are carried from the common ESAF credit card MITC, which says the FD may be liquidated once a lien-secured account is overdue more than 30 days. Card name, network and rewards for this variant are not confirmed by the bank.","id":654,"depth":"fees-only","slug":"esaf-fd-backed-credit-card-inori-secured","url":"https://m16s.in/cards/esaf-fd-backed-credit-card-inori-secured/"},{"issuer":"Slice Small Finance Bank","card_name":"slice UPI credit card (slice super card)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"No joining, annual or card replacement fee. MITC says renewal fees may apply if the card is renewed on expiry.","welcome_benefit":null,"reward_currency":"monies","base_earn":"1 monies per Re 1 on eligible card and UPI spends","base_return_pct":1.0,"accelerated_earn":"Redemption rate rises with monies balance: 1.5% for balance Rs 3,00,001-5,00,000; 2% above Rs 5,00,000; 3% only with monies balance of Rs 5 lakh or more plus average quarterly savings balance of Rs 5 lakh or more. slice spark weekly brand offers.","reward_caps":"No cap stated","reward_exclusions":"EMI/sliced transactions, wallet loads, fuel, insurance, rent, education, taxes, government services, online gaming/gambling, excluded MCCs, international transactions","point_value":"monies redeemed as cash to slice savings account at 1% of monies for balances up to Rs 3,00,000","points_expiry":"No fixed expiry; forfeited on voluntary closure or closure after one year of inactivity","reward_notes":"base_return_pct = 1% (redemption rate for monies balance up to Rs 3 lakh). The advertised 'up to 3%' needs Rs 5 lakh of unredeemed monies and Rs 5 lakh average quarterly savings balance. monies can be clawed back on refunds or a missed minimum payment.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"None; instead a 2% service charge (min Rs 10) on fuel spends above Rs 25,000 per statement cycle","milestone_benefits":null,"other_freebies":"slice in 3: split a spend of Rs 2,000 or more into 2 or 3 monthly instalments at no extra cost; foreclosure 3.5% of outstanding principal","interest_rate_monthly_pct":3.5,"late_payment_fee":"Nil up to Rs 100; Rs 100 (101-500); Rs 500 (501-1,000); Rs 600 (1,001-5,000); Rs 750 (5,001-10,000); Rs 900 (10,001-25,000); Rs 1,100 (25,001-50,000); Rs 1,300 above Rs 50,000","cash_advance_fee":"Bank transfer fee 2.5% of amount, min Rs 25; cash advance limit up to Rs 2,00,000","eligibility":"Not stated by the bank; cardadvisor says unsecured and only for holders of a slice savings account","source_product_page":"https://slice.bank.in/credit-card","source_mitc_or_tnc":"https://slice.bank.in/cc-mitc/","source_other":["https://slice.bank.in/rates-and-pricing","https://slice.bank.in/what-is-new","https://cardadvisor.in/articles/slice-upi-credit-card-review-2026","https://www.bankbazaar.com/credit-card/slice-super-card.html"],"source_quality":"primary","unverified_fields":["eligibility"],"date_read":"2026-10-11","notes":"One product: the bank's site calls it 'slice UPI credit card' and its press page 'slice super card'. Service charges: wallet load 1%, education via third-party apps 1%, utilities 1% above Rs 25,000 per cycle, rent 1% above Rs 10,000 per cycle (min Rs 10 each). Interest 42% a year. Statement on 21st, due on 5th, up to 46 interest-free days plus 3-day grace. Zero forex markup, but international spends earn no monies. Bankbazaar's page describes the old pre-bank slice card as discontinued; that is a different product.","id":655,"depth":"full","slug":"slice-upi-credit-card-slice-super-card","url":"https://m16s.in/cards/slice-upi-credit-card-slice-super-card/"},{"issuer":"Suryoday Small Finance Bank","card_name":"Suryoday SFB RuPay Select Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","upi"],"status":"open","joining_fee":0,"annual_fee":150,"fee_waiver_spend":50000,"fee_notes":"KFS 'kfs-select-26-may': joining nil, annual Rs 150 waived on annual spend of Rs 50,000 or more, physical card Rs 499, replacement Rs 499. An older KFS shows joining Rs 150, annual Rs 150 waived if utilisation is at least 40% of limit, replacement Rs 750. Product page markets the card as lifetime-free*.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"0.5% cashback (w.e.f. 1 Aug)","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Rs 3,000 per billing cycle (press release, Sep 2025)","reward_exclusions":"Not published; MITC says cashback applies at eligible merchant categories the bank may change","point_value":"Cashback adjusted against next statement","points_expiry":null,"reward_notes":"base_return_pct = 0.5% as stated on the bank page. No exclusion list published.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Complimentary lounge access advertised; count not stated by the bank","lounge_international":null,"lounge_conditions":"Only with the physical card (Rs 499 issuance fee)","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":"Select-only RuPay benefits per bank page: gym membership, spa and salon coupons, golf sessions, health check-ups; insurance and concierge; 100+ RuPay offers","interest_rate_monthly_pct":2.95,"late_payment_fee":"1% of amount payable or Rs 250, whichever is lower; 3-day grace","cash_advance_fee":"Up to 2.5%, min Rs 750; capped at 20% of credit limit","eligibility":"Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. Select needs an FD above Rs 1,15,000 per product page (press release said Rs 1,11,500).","source_product_page":"https://suryoday.bank.in/personal/cards/credit-cards/secured-ssfb-rupay-select/","source_mitc_or_tnc":"https://suryoday.bank.in/assets/pdf/mitc-select-26-may.pdf","source_other":["https://suryoday.bank.in/assets/pdf/kfs-select-26-may.pdf","https://suryoday.bank.in/assets/pdf/KFS_SSFB_RuPay_Select_Credit_Card.pdf","https://suryoday.bank.in/press-release/ssfb-launches-secured-credit-card-backed-by-fixed-deposits/","https://suryoday.bank.in/personal/cards/credit-cards/","https://www.paisabazaar.com/suryoday-bank/credit-card/"],"source_quality":"primary","unverified_fields":["annual_fee","fee_waiver_spend","lounge_domestic","reward_caps"],"date_read":"2026-10-11","notes":"FD-backed: needs an un-liened, non-corporate, non-tax-saver FD with Suryoday; FD is lien-marked and may be liquidated if the account is overdue more than 60 days. Program manager is 42 Card Solutions Pvt Ltd. Minimum amount due 10%. Rent (MCC 6513) surcharge 1%, rent capped at 40% of limit per month. EMI at 18% a year, processing fee 3% or Rs 300. Limit as a percentage of FD is not published in the KFS or MITC. The bank keeps separate KFS/MITC sets for cards issued until 25 May 2026 and from 26 May 2026; the links on the product pages could not be resolved, so the documents were found by search and their mapping to issue date is inferred. 'Lifetime-free' on the product page conflicts with the Rs 150 annual fee in the KFS; treat the KFS as governing.","id":656,"depth":"full","slug":"suryoday-sfb-rupay-select-credit-card","url":"https://m16s.in/cards/suryoday-sfb-rupay-select-credit-card/"},{"issuer":"Suryoday Small Finance Bank","card_name":"Suryoday SFB RuPay Platinum Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","upi","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"KFS 'Platinum MBK' (the version for cards applied through the bank's mobile banking app, as far as could be inferred): joining, annual, physical card and replacement all nil. A second Platinum MITC shows joining Rs 150 and annual Rs 150 waived at 40% limit utilisation; which one applies depends on issue date and channel.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"0.5% cashback (w.e.f. 1 Aug)","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Rs 3,000 per billing cycle (press release, Sep 2025)","reward_exclusions":"Not published; MITC says cashback applies at eligible merchant categories the bank may change","point_value":"Cashback adjusted against next statement","points_expiry":null,"reward_notes":"base_return_pct = 0.5% as stated on the bank page. No exclusion list published.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"Flight discounts and lounge access advertised; count not stated","lounge_international":null,"lounge_conditions":"Only with the physical card","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":"Personal accident and permanent disability cover up to Rs 2 lakh; insurance and concierge; 100+ RuPay offers. No gym, spa, golf or health check-up (Select only).","interest_rate_monthly_pct":2.95,"late_payment_fee":"KFS (MBK): 2.5% of outstanding or Rs 250, whichever is higher. MITC: 1% of amount payable or Rs 250, whichever is lower. The two documents conflict.","cash_advance_fee":"2.5%, min Rs 500; capped at 20% of credit limit","eligibility":"Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. Press release: FD from Rs 1,000; Platinum applies below the Select threshold of about Rs 1.15 lakh. Apply in the Suryoday mobile banking app.","source_product_page":"https://suryoday.bank.in/personal/cards/credit-cards/secured-ssfb-rupay-platinum/","source_mitc_or_tnc":"https://suryoday.bank.in/assets/pdf/MITC_SSFB_RuPay_Platinum_Credit_MBK.pdf","source_other":["https://suryoday.bank.in/assets/pdf/KFS_SSFB_RuPay_Platinum_Credit_MBK.pdf","https://suryoday.bank.in/assets/pdf/MITC_SSFB_RuPay_Platinum_Credit_Card.pdf","https://suryoday.bank.in/press-release/ssfb-launches-secured-credit-card-backed-by-fixed-deposits/","https://suryoday.bank.in/personal/cards/credit-cards/","https://suryoday.bank.in/personal/cards/credit-cards/secured-credit-card/"],"source_quality":"primary","unverified_fields":["joining_fee","annual_fee","late_payment_fee","lounge_domestic","reward_caps"],"date_read":"2026-10-11","notes":"FD-backed: needs an un-liened, non-corporate, non-tax-saver FD with Suryoday; FD is lien-marked and may be liquidated if the account is overdue more than 60 days. Program manager is 42 Card Solutions Pvt Ltd. Minimum amount due 10%. Rent (MCC 6513) surcharge 1%, rent capped at 40% of limit per month. EMI at 18% a year, processing fee 3% or Rs 300. Limit as a percentage of FD is not published in the KFS or MITC. The bank keeps separate KFS/MITC sets for cards issued until 25 May 2026 and from 26 May 2026; the links on the product pages could not be resolved, so the documents were found by search and their mapping to issue date is inferred.","id":657,"depth":"full","slug":"suryoday-sfb-rupay-platinum-credit-card","url":"https://m16s.in/cards/suryoday-sfb-rupay-platinum-credit-card/"},{"issuer":"Suryoday Small Finance Bank","card_name":"Suryoday SFB Stable Money RuPay Select Credit Card","cobrand_partner":"Stable Money","networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":150,"fee_waiver_spend":null,"fee_notes":"KFS effective 15 Nov 2025: joining nil, annual Rs 150, physical card Rs 150, replacement Rs 150; Rs 150 issuance fee if limit is cut to zero within 12 months; Rs 150 closure fee if closed within 12 months. Stable Money community post: first 5,000 cards lifetime free.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"0.5% cashback (w.e.f. 1 Aug)","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Cashback capped at Rs 3,000 (bank page); press release says per billing cycle","reward_exclusions":"Not published","point_value":"Cashback adjusted against next statement","points_expiry":null,"reward_notes":"base_return_pct = 0.5% as stated on the bank page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"8 domestic lounge visits per Stable Money page","lounge_international":null,"lounge_conditions":"Only on the physical card","forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":"RuPay Select offers: health check-ups, spa or salon, golf session, brand discounts (per Stable Money pages)","interest_rate_monthly_pct":2.95,"late_payment_fee":"1% of amount payable or Rs 250, whichever is lower","cash_advance_fee":"Up to 2.5%, min Rs 500; capped at 20% of credit limit","eligibility":"Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. Select tier needs an FD above about Rs 1.12-1.15 lakh.","source_product_page":"https://suryoday.bank.in/personal/cards/credit-cards/secured-credit-card/","source_mitc_or_tnc":"https://suryoday.bank.in/assets/pdf/kfs-select-15112025.pdf","source_other":["https://stablemoney.in/credit-card","https://stablemoney.in/cards/best-credit-card-against-fixed-deposit","https://community.stablemoney.in/t/what-are-the-annual-charges-joining-fees-on-stable-money-fd-credit-card/1023","https://suryoday.bank.in/personal/cards/credit-cards/"],"source_quality":"mixed","unverified_fields":["lounge_domestic","other_freebies","eligibility","reward_caps"],"date_read":"2026-10-11","notes":"FD-backed: needs an un-liened, non-corporate, non-tax-saver FD with Suryoday; FD is lien-marked and may be liquidated if the account is overdue more than 60 days. Program manager is 42 Card Solutions Pvt Ltd. Minimum amount due 10%. Rent (MCC 6513) surcharge 1%, rent capped at 40% of limit per month. EMI at 18% a year, processing fee 3% or Rs 300. Limit as a percentage of FD is not published in the KFS or MITC. The bank keeps separate KFS/MITC sets for cards issued until 25 May 2026 and from 26 May 2026; the links on the product pages could not be resolved, so the documents were found by search and their mapping to issue date is inferred. Sold through the Stable Money app, which describes itself as a distributor. Stable Money's own page says minimum FD Rs 50,000 and Select above Rs 1,12,000, while its aggregator-style page says FD from Rs 1,000; the figures conflict. Stable Money's benefits PDF (assets.stablemoney.in) was blocked by robots.txt. A newer KFS may apply to cards issued from 26 May 2026; not located for the Stable Money variant.","id":658,"depth":"full","slug":"suryoday-sfb-stable-money-rupay-select-credit-card","url":"https://m16s.in/cards/suryoday-sfb-stable-money-rupay-select-credit-card/"},{"issuer":"Suryoday Small Finance Bank","card_name":"Suryoday SFB Stable Money RuPay Platinum Credit Card","cobrand_partner":"Stable Money","networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","cobrand","upi"],"status":"open","joining_fee":null,"annual_fee":null,"fee_waiver_spend":null,"fee_notes":"No KFS specific to the Stable Money Platinum variant was located. Bank page says lifetime-free* virtual card; the Stable Money Select KFS charges Rs 150 annual. Fees left null.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"0.5% cashback (w.e.f. 1 Aug)","base_return_pct":0.5,"accelerated_earn":null,"reward_caps":"Cashback capped at Rs 3,000 (bank page)","reward_exclusions":"Not published","point_value":"Cashback adjusted against next statement","points_expiry":null,"reward_notes":"base_return_pct = 0.5% as stated on the bank page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":2.5,"fuel_surcharge_waiver":"1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.95,"late_payment_fee":"1% of amount payable or Rs 250, whichever is lower (per Suryoday credit card MITC)","cash_advance_fee":"Up to 2.5% with a minimum fee; capped at 20% of credit limit","eligibility":"Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. For FDs below the Select threshold.","source_product_page":"https://suryoday.bank.in/personal/cards/credit-cards/secured-credit-card/","source_mitc_or_tnc":"https://suryoday.bank.in/assets/pdf/MITC_SSFB_RuPay_Platinum_Credit_Card.pdf","source_other":["https://stablemoney.in/credit-card","https://stablemoney.in/cards/best-credit-card-against-fixed-deposit","https://suryoday.bank.in/personal/cards/credit-cards/"],"source_quality":"mixed","unverified_fields":["joining_fee","annual_fee","forex_markup_pct","interest_rate_monthly_pct","late_payment_fee","cash_advance_fee","fuel_surcharge_waiver","lounge_domestic"],"date_read":"2026-10-11","notes":"FD-backed: needs an un-liened, non-corporate, non-tax-saver FD with Suryoday; FD is lien-marked and may be liquidated if the account is overdue more than 60 days. Program manager is 42 Card Solutions Pvt Ltd. Minimum amount due 10%. Rent (MCC 6513) surcharge 1%, rent capped at 40% of limit per month. EMI at 18% a year, processing fee 3% or Rs 300. Limit as a percentage of FD is not published in the KFS or MITC. The bank keeps separate KFS/MITC sets for cards issued until 25 May 2026 and from 26 May 2026; the links on the product pages could not be resolved, so the documents were found by search and their mapping to issue date is inferred. Sold through the Stable Money app, which describes itself as a distributor. Stable Money's own page says minimum FD Rs 50,000 and Select above Rs 1,12,000, while its aggregator-style page says FD from Rs 1,000; the figures conflict. Stable Money's benefits PDF (assets.stablemoney.in) was blocked by robots.txt. Charges shown are from the generic Suryoday Platinum MITC, not a Stable Money-specific document.","id":659,"depth":"partial","slug":"suryoday-sfb-stable-money-rupay-platinum-credit-card","url":"https://m16s.in/cards/suryoday-sfb-stable-money-rupay-platinum-credit-card/"},{"issuer":"Unity Small Finance Bank","card_name":"Unity Bank BharatPe Credit Card","cobrand_partner":"BharatPe","networks":["RuPay"],"segment":"entry","card_type":["rewards","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee. No add-on card fee (not applicable). EMI processing and foreclosure fees nil. Card replacement nil.","welcome_benefit":null,"reward_currency":"Zillion Coins","base_earn":"2% of bill-period unpaid spends (BPUS) of Rs 1,000 and above, as Zillion Coins, earned on repayment of principal","base_return_pct":2.0,"accelerated_earn":null,"reward_caps":"No earn cap stated. Redemption against card dues capped at Rs 5,000 worth of coins per billing cycle.","reward_exclusions":"Fees, charges, interest and tax components earn nothing; bill amounts of Rs 1-999 earn nothing; no merchant category restrictions stated; gold/jewellery purchases are not EMI-eligible and are declined","point_value":"4 Zillion Coins = Re 1","points_expiry":"Per Zillion programme terms; coins lapse on card closure","reward_notes":"base_return_pct = 2% as stated by the bank (coins worth 2% of repaid principal at 4 coins = Re 1). Coins accrue proportionately as EMIs are repaid, are forfeited on EMI foreclosure, and can be revoked if dues stay unpaid more than 45 days. If spends are taken as EMI the 2% a month interest outweighs the reward. MITC rate table from 14 Aug 2025 omits the Rs 10,000+ slab; KFS says 2% in every slab.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per calendar quarter","lounge_international":"2 per calendar year","lounge_conditions":"RuPay lounge programme; RuPay exclusive lounge at Delhi IGI T3 domestic departure excluded","forex_markup_pct":3.5,"fuel_surcharge_waiver":"None stated; 1% fuel surcharge applies","milestone_benefits":null,"other_freebies":"One free health check-up package a year for the primary cardholder; UPI on credit card","interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 40 (below 100); Rs 90 (101-250); Rs 150 (251-500); Rs 250 (501-1,000); Rs 500 (1,001-2,500); Rs 750 (2,501-5,000); Rs 900 (5,001-7,500); Rs 1,000 (7,501-10,000); Rs 1,500 (10,001 and above)","cash_advance_fee":"ATM cash not permitted; online cash withdrawal to registered bank account Rs 15 per transaction","eligibility":"Indian national aged 21-65; salaried min income Rs 2.5 lakh a year; self-employed Rs 5 lakh a year. Only through the BharatPe app.","source_product_page":"https://unity.bank.in/personal-banking/cards/credit-card/usfb-bharatpe-credit-card","source_mitc_or_tnc":"https://www.unity.bank.in/docs/credit-cards/usfb-most-important-terms-and-conditions.pdf","source_other":["https://unity.bank.in/docs/credit-cards/key-fact-statement-unity-bharatpe-credit-card-final.pdf","https://unity.bank.in/personal-banking/cards/credit-card"],"source_quality":"primary","unverified_fields":["base_return_pct"],"date_read":"2026-10-11","notes":"EMI-first card: minimum amount due equals total amount due, so there is no revolving. Unpaid bill-period spends of Rs 1,000 and above auto-convert to EMIs (up to 12 months, tenure chosen at onboarding or 24 hours before billing) at 24% APR reducing balance; Rs 1-999 must be paid in full. Overdue interest 2% a month. Interest-free period 15-48 days, not on amounts converted to EMI. No over-limit. Rent fee nil. MITC dated April 2026, KFS Feb 2025. The bank's listing page advertises '8 complimentary domestic lounge access' a year.","id":660,"depth":"full","slug":"unity-bank-bharatpe-credit-card","url":"https://m16s.in/cards/unity-bank-bharatpe-credit-card/"},{"issuer":"Unity Small Finance Bank","card_name":"Roarbank Credit Card","cobrand_partner":"Roarbank","networks":["RuPay"],"segment":"entry","card_type":["cashback","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining fee nil, annual fee nil (MITC and product page). UPI transaction charges nil.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"Not stated for general spends; flat 1% on utility payments and mobile top-ups","base_return_pct":null,"accelerated_earn":"Up to 20% cashback on 2 categories chosen each month (rates per category may change monthly; not published)","reward_caps":"Maximum cashback Rs 2,500 per month; minimum redemption Rs 250","reward_exclusions":"Category and exclusion lists not published; cashback reversed on refunds","point_value":"Cashback is cash credited to Roarbank balance","points_expiry":null,"reward_notes":"base_return_pct left null: the bank publishes no rate for spends outside the two chosen categories. 'Up to 20%' is a ceiling, not a rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"2-in-1 card linked to a Roarbank digital savings account: payments settle from savings first, credit used only when needed; EMI conversion; interest-free period up to 62 days","interest_rate_monthly_pct":3.3,"late_payment_fee":"2% of amount due, minimum Rs 500","cash_advance_fee":"3.5% on withdrawals from credit limit (domestic and international ATMs); from linked savings funds 0% domestic, 2.5% international","eligibility":"Indian residents aged 21-60 with PAN and Aadhaar; salaried or self-employed; starter limit for applicants with no credit history. Apply in the Roarbank app with video KYC.","source_product_page":"https://unity.bank.in/personal-banking/cards/credit-card/usfb-roarbank-credit-card","source_mitc_or_tnc":"https://unity.bank.in/docs/roarbank/roarbank-credit-card-most-important-terms-and-conditions.pdf","source_other":["https://roar.unity.bank.in/","https://roar.unity.bank.in/en/cashback","https://unity.bank.in/personal-banking/cards/credit-card"],"source_quality":"primary","unverified_fields":["cobrand_partner"],"date_read":"2026-10-11","notes":"Roarbank is Unity Bank's own digital banking brand (site roar.unity.bank.in), not confirmed as a separate fintech partner; cobrand_partner holds the brand name. Interest 39.6% a year. Interest-free period 30-62 days including 3-day grace. Minimum amount due 5% of total, not less than Rs 500. Rent (MCC 6513) fee 1%. No over-limit facility. Credit limit up to Rs 3 lakh per the Roarbank site.","id":661,"depth":"full","slug":"unity-roarbank-credit-card","url":"https://m16s.in/cards/unity-roarbank-credit-card/"},{"issuer":"Utkarsh Small Finance Bank","card_name":"superCard","cobrand_partner":"super.money","networks":["RuPay"],"segment":"entry","card_type":["cashback","secured","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Physical card: nil if FD is Rs 10,000 or more at issuance; Rs 99 for FD Rs 5,000 to below Rs 10,000; Rs 249 otherwise. Extra Rs 249 (Rs 150 on the middle tier) if FD falls below the tier or account is closed within 12 months. Replacement or renewal card Rs 249. Product page still shows physical card fee Rs 299.","welcome_benefit":null,"reward_currency":"Cashback (superRewards)","base_earn":"1% cashback on UPI and non-UPI spends, min transaction Rs 100 (from 11 Aug 2025)","base_return_pct":1.0,"accelerated_earn":"Preferred merchants on non-UPI spends: Myntra 5%, Flipkart 2% (Rs 100 per txn); run as dated campaigns. Cleartrip 3% ended after 31 Dec 2025.","reward_caps":"UPI: Rs 500 per month, and only for UPI payments made through the super.money app. Non-UPI: Rs 10,000 per month. Preferred merchants combined: Rs 500 per statement.","reward_exclusions":"Government payments, agriculture/contractor services, rent, wallet/gift/prepaid/voucher loads, gold/jewellery, insurance, post office, transit, utilities, education, fuel, cash advances, balance payments, card fees, EMI transactions","point_value":"Cashback in rupees, redeemable to the cardholder's account via superRewards after merchant settlement plus a hold of up to 30 days","points_expiry":"2 years from accrual; lapses on cancellation, delinquency or 365 days of non-use","reward_notes":"base_return_pct = 1% per MITC version 30 Nov 2025. UPI spends made from any app other than super.money earn nothing. Before 11 Aug 2025 UPI earned up to 5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Nil if credit limit below Rs 100; 5% of outstanding if limit below Rs 2,000; 10% of outstanding capped at Rs 1,250 if limit is Rs 2,000 or more","cash_advance_fee":"Domestic 5% or Rs 25, whichever is higher; international 5% or Rs 500; cash limit up to 20% of credit limit","eligibility":"Resident Indian, 18 and above, PAN, mobile and email; FD-backed, applied through the super.money app. Aggregators: FD from Rs 100 (up to Rs 9 lakh), limit 90% of FD.","source_product_page":"https://www.utkarsh.bank.in/personal/cards/credit-card/supercard","source_mitc_or_tnc":"https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf","source_other":["https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Key_Fact_Statement_KFS.pdf","https://super.money/card-partners","https://cardinsider.com/utkarsh-small-finance-bank/supercard-credit-card/","https://cardadvisor.in/cards/utkarsh-supercard"],"source_quality":"primary","unverified_fields":["eligibility","interest_rate_monthly_pct"],"date_read":"2026-10-11","notes":"Co-brand partner is Scapic Innovations (super.money, a Flipkart group company). MITC and KFS read were version 30 Nov 2025 and state 3% a month; cardadvisor (page dated 28 Sep 2026) reports interest on unpaid dues raised to 3.5% a month from 21 Jun 2026 and a Rs 100 account maintenance charge on customer-initiated closure within 12 months. A newer MITC was not found, so the later changes are unconfirmed. FD minimum and limit ratio are at the bank's discretion per MITC. Interest-free period up to 45 days.","id":662,"depth":"full","slug":"utkarsh-supercard","url":"https://m16s.in/cards/utkarsh-supercard/"},{"issuer":"Utkarsh Small Finance Bank","card_name":"Wish Credit Card","cobrand_partner":"PhonePe","networks":["RuPay"],"segment":"entry","card_type":["rewards","secured","cobrand","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Joining and annual fee nil. Physical card Rs 249.","welcome_benefit":null,"reward_currency":"Reward Points","base_earn":"1% reward points on scan and pay through the PhonePe app","base_return_pct":1.0,"accelerated_earn":"3% on recharges and bill payments through the PhonePe app; 1% on select online brands paid through PhonePe","reward_caps":"Per cardinsider: bill payments 200 points per statement month; select online brands 150 points per month; scan and pay 150 points per month; transactions of Rs 100 or more only. Bank page refers to MITC for caps.","reward_exclusions":"Per cardinsider: government, agriculture/contractor services, rent, wallet/gift/prepaid loads, vouchers, gold/jewellery, insurance, post office, transit, utilities, education, fuel, cash advances, EMI","point_value":"1 reward point = Re 1 (PhonePe press release)","points_expiry":null,"reward_notes":"base_return_pct = 1% on PhonePe scan and pay at Re 1 per point. With the reported caps the most a month is about 500 points plus the milestone. Spends outside the PhonePe app categories appear to earn nothing; not confirmed from the MITC, which is only available inside the PhonePe app.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":"200 reward points on spends of Rs 15,000 in a month","other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"10% of outstanding amount, capped at Rs 1,250","cash_advance_fee":"Domestic 5% or Rs 25, whichever is higher; international 5% or Rs 500; cash limit up to 20%","eligibility":"Resident Indian aged 18-80 with PAN, Aadhaar-linked mobile and email; FD from Rs 2,000 up to Rs 1,80,000; limit up to 90% of FD with a good bureau score; one application per PAN; apply in the PhonePe app","source_product_page":"https://www.utkarsh.bank.in/personal/cards/credit-card/wish-credit-card","source_mitc_or_tnc":null,"source_other":["https://www.phonepe.com/press/phonepe-and-utkarsh-small-finance-bank-announce-strategic-partnership-to-launch-the-wish-credit-card/","https://cardinsider.com/utkarsh-small-finance-bank/wish-credit-card/","https://www.bankbazaar.com/credit-card/phonepe-utkarsh-sfb-fd-backed-wish-credit-card.html"],"source_quality":"mixed","unverified_fields":["reward_caps","reward_exclusions","forex_markup_pct","base_return_pct","points_expiry"],"date_read":"2026-10-11","notes":"Launched 6 Oct 2025, rolled out in phases in the PhonePe app. FD matures in 1 year and auto-renews; withdrawal allowed after a 7-day lock-in. Card is deactivated if unused for 30 days after issuance. Payment due 15 days after statement. Add-on cards not available. T&C and KFS sit in the 'Manage' section of the PhonePe app and were not readable; forex markup is from cardinsider.","id":663,"depth":"full","slug":"utkarsh-wish-credit-card","url":"https://m16s.in/cards/utkarsh-wish-credit-card/"},{"issuer":"Utkarsh Small Finance Bank","card_name":"Eternal Credit Card","cobrand_partner":null,"networks":["Mastercard","RuPay"],"segment":"mid","card_type":["cashback"],"status":"invite-only","joining_fee":0,"annual_fee":1999,"fee_waiver_spend":150000,"fee_notes":"No joining or first-year fee; Rs 1,999 from second year, waived on annual spend of Rs 1.5 lakh. Supplementary card free.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1.25% cashback on eligible spends","base_return_pct":1.25,"accelerated_earn":null,"reward_caps":"No cap stated","reward_exclusions":"Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)","point_value":"Cashback set off against next statement","points_expiry":null,"reward_notes":"base_return_pct = 1.25% from aggregators (cardinsider, stablemoney, paisabazaar); the KFS lists only ineligible categories, not the rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver; stablemoney says on fuel txns Rs 400-5,000","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.0,"late_payment_fee":"Rs 500 flat","cash_advance_fee":"5% or Rs 500, whichever is higher; cash limit up to 20% of credit limit","eligibility":"Existing Utkarsh customers (savings, current, FD or loan account) by pre-approved link; resident Indian aged 21-65 (18-65 for FD-backed variant), per aggregators","source_product_page":"https://www.utkarsh.bank.in/personal/cards/credit-card","source_mitc_or_tnc":"https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/Eternal_KFS.pdf","source_other":["https://cardinsider.com/utkarsh-small-finance-bank/eternal-credit-card/","https://stablemoney.in/cards/utkarsh-small-finance-bank-credit-card","https://www.paisabazaar.com/utkarsh-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","networks","fuel_surcharge_waiver","eligibility","status","reward_exclusions"],"date_read":"2026-10-11","notes":"KFS names Mastercard and 42 Card Solutions as service provider; cardinsider adds a RuPay variant. KFS: over-limit fee Rs 500, returned payment 2.5%, replacement Rs 500, interest-free up to 50 days, 'up to 3% per month'. Aggregators say an FD-backed variant exists at 2.5% a month. Status set to invite-only because aggregators say it goes to existing customers by pre-approved link; the dedicated product page on utkarsh.bank.in could not be fetched.","id":664,"depth":"full","slug":"utkarsh-eternal-credit-card","url":"https://m16s.in/cards/utkarsh-eternal-credit-card/"},{"issuer":"Utkarsh Small Finance Bank","card_name":"Rhodium Credit Card","cobrand_partner":null,"networks":["Mastercard","RuPay"],"segment":"premium","card_type":["cashback"],"status":"invite-only","joining_fee":0,"annual_fee":4999,"fee_waiver_spend":500000,"fee_notes":"No joining or first-year fee; Rs 4,999 from second year, waived on annual spend of Rs 5 lakh.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1.25% cashback on eligible spends","base_return_pct":1.25,"accelerated_earn":null,"reward_caps":"No cap stated","reward_exclusions":"Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)","point_value":"Cashback set off against next statement","points_expiry":null,"reward_notes":"base_return_pct = 1.25% from aggregators; the KFS lists only ineligible categories, not the rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"4 per quarter per cardinsider and paisabazaar (stablemoney says up to 4 a year)","lounge_international":"None","lounge_conditions":"Domestic only; no spend condition per cardinsider; guests charged. Bank lounge T&C PDF not read.","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver per aggregators; not in KFS","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.0,"late_payment_fee":"Rs 500 flat","cash_advance_fee":"5% or Rs 500, whichever is higher; cash limit 20% of credit limit","eligibility":"Existing Utkarsh customers (savings, current, FD or loan account) by pre-approved link; resident Indian aged 21-65 (18-65 for FD-backed variant), per aggregators","source_product_page":"https://www.utkarsh.bank.in/personal/cards/credit-card","source_mitc_or_tnc":"https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/Rhodium_KFS.pdf","source_other":["https://cardinsider.com/utkarsh-small-finance-bank/rhodium-credit-card/","https://stablemoney.in/cards/utkarsh-small-finance-bank-credit-card","https://www.paisabazaar.com/utkarsh-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","networks","lounge_domestic","lounge_conditions","fuel_surcharge_waiver","eligibility","status","reward_exclusions"],"date_read":"2026-10-11","notes":"KFS names Mastercard; cardinsider adds a RuPay variant. KFS: interest 2% a month (24% APR), over-limit Rs 500 or 2.5% whichever is higher, returned payment 2.5%, replacement Rs 500. Aggregators disagree on lounge count (16 a year vs 4 a year). Aggregators say secured and unsecured variants exist. Dedicated product page on utkarsh.bank.in could not be fetched.","id":665,"depth":"full","slug":"utkarsh-rhodium-credit-card","url":"https://m16s.in/cards/utkarsh-rhodium-credit-card/"},{"issuer":"Utkarsh Small Finance Bank","card_name":"SmartGen Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","upi"],"status":"invite-only","joining_fee":0,"annual_fee":199,"fee_waiver_spend":50000,"fee_notes":"No joining or first-year fee; Rs 199 from second year, waived when Rs 50,000 was spent in the previous year.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on eligible spends","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"No cap stated","reward_exclusions":"Wallet recharges, financial institutions, government services, charities, foreign currency purchases, insurance, railway, mutual funds, education, transport, fuel, utility payments (KFS lists ineligible types; full list per cardinsider)","point_value":"Cashback applied to next statement","points_expiry":null,"reward_notes":"base_return_pct = 1% from aggregators; the KFS lists only ineligible categories, not the rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% waiver per aggregators; not in KFS","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.6,"late_payment_fee":"Rs 500 flat","cash_advance_fee":"5% or Rs 500, whichever is higher; cash limit 20% of credit limit","eligibility":"Existing Utkarsh customers (savings, current, FD or loan account) by pre-approved link; resident Indian aged 21-65 (18-65 for FD-backed variant), per aggregators","source_product_page":"https://www.utkarsh.bank.in/personal/cards/credit-card","source_mitc_or_tnc":"https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SmartGen_KFS.pdf","source_other":["https://cardinsider.com/utkarsh-small-finance-bank/smartgen-credit-card/","https://stablemoney.in/cards/utkarsh-small-finance-bank-credit-card","https://www.paisabazaar.com/utkarsh-bank/credit-card/"],"source_quality":"mixed","unverified_fields":["base_earn","base_return_pct","card_type","fuel_surcharge_waiver","eligibility","status","reward_exclusions"],"date_read":"2026-10-11","notes":"KFS names RuPay and 42 Card Solutions as service provider. KFS: interest 3.6% a month (43.2% APR), the highest of the Utkarsh cards; over-limit Rs 500 or 2.5% whichever is higher; returned payment 2.5%; replacement Rs 500; interest-free up to 50 days. Aggregators say an FD-backed variant runs at 2.5% a month; stablemoney cites a minimum FD of Rs 25,000 for secured Utkarsh cards. UPI tag assumed from RuPay network.","id":666,"depth":"full","slug":"utkarsh-smartgen-credit-card","url":"https://m16s.in/cards/utkarsh-smartgen-credit-card/"},{"issuer":"Yes Bank","card_name":"YES Private","cobrand_partner":null,"networks":["Mastercard"],"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":50000,"annual_fee":10000,"fee_waiver_spend":2500000,"fee_notes":"Joining Rs 50,000 (not waivable); annual Rs 10,000 waived on Rs 25 lakh spend in 12 months. Also issued as YES Private for NRI.","welcome_benefit":"2,00,000 YES Rewardz points as joining benefit, credited the month after the membership fee is paid (issuer NRI page). Aggregator also lists Oberoi e-gift vouchers worth Rs 9,000 (not on the issuer page).","reward_currency":"YES Rewardz points","base_earn":"20 YES Rewardz points per Rs 200 on domestic spends","base_return_pct":2.5,"accelerated_earn":"40 YES Rewardz points per Rs 200 on international spends","reward_caps":"No earn cap stated; no utility earn cap. Redemption on flights/hotels capped at 70% of invoice and 6,00,000 points a month; vouchers capped at Rs 25,000 worth a month.","reward_exclusions":"No points on rental, wallet and fuel transactions, cash withdrawals, Post Purchase EMI and Instant EMI (issuer NRI page). The aggregator list also named government and tax; the page does not.","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee waived on YES Private (MITC). Earn rates now from the issuer's YES Private for NRI page. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 10 points per Rs 100 x Rs 0.25 = 2.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"8 points : 1 Maharaja Point; minimum balance 2,000 points; credited within 7 working days","lounge_domestic":"Unlimited, no spend condition","lounge_international":"Unlimited","lounge_conditions":"12 complimentary guest visits per calendar year (domestic and international combined). International online transactions must be enabled.","forex_markup_pct":0.5,"fuel_surcharge_waiver":"1% on Rs 500-5,000 transactions, no cap","milestone_benefits":null,"other_freebies":"Issuer NRI page: Buy 1 Get 1 on BookMyShow movie tickets, up to 4 free tickets a calendar month; purchase protection (accidental damage cover for 6 months on mobiles and electronics bought online); golf programme on the Mastercard network (rounds not stated). Aggregator: 12 golf rounds a year (max 3 a quarter) and lessons; 24x7 concierge. Up to 5 add-on cards.","interest_rate_monthly_pct":2.99,"late_payment_fee":"Waived for YES Private","cash_advance_fee":"Waived for YES Private (interest still applies)","eligibility":"Invitation only, tied to a YES Private banking relationship; no published criteria for residents. NRI variant (issuer page): age 21-60, NRE/NRO fixed deposit of Rs 20 lakh or more with the bank, auto-debit of total amount due from the NRE/NRO account; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/nri/credit-cards/yes-private-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-private","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html","https://cardinsider.com/yes-bank/"],"source_quality":"mixed","unverified_fields":["welcome_benefit","point_value","other_freebies","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: there is no resident YES Private page in the set; the URL recorded is the YES Private for NRI page and everything taken from it is the NRI variant's text. It confirms joining fee Rs 50,000, renewal Rs 10,000 waived on Rs 25 lakh retail spend, 20/40 points per Rs 200 (domestic/international), the 2,00,000-point joining benefit and a foreign currency mark-up of 0.5% (stated twice on the page; matches the catalog). Network: the golf footnote names MasterCard as network partner, which matches the catalog. Differences on the NRI page: interest 2.49% a month (resident card 2.99% per MITC); fuel surcharge waiver capped at Rs 1,000 per statement cycle, whereas the MITC reading recorded 'no cap' (MITC value kept; treat the cap as unresolved); utility fee threshold Rs 50,000 a month (catalog note has Rs 1,00,000 from the MITC); the lounge footnote says domestic lounge access is subject to a spend threshold, whereas the MITC reading says no spend condition. Lounge counts and point values are not on the page. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 1,00,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Auto-debit failure and cheque-return charges waived. YES Bank product pages need JavaScript and could not be read.","id":667,"depth":"full","slug":"yes-private","url":"https://m16s.in/cards/yes-private/"},{"issuer":"Yes Bank","card_name":"YES Private Prime","cobrand_partner":null,"networks":null,"segment":"super-premium","card_type":["rewards","travel"],"status":"invite-only","joining_fee":20000,"annual_fee":10000,"fee_waiver_spend":2000000,"fee_notes":"Joining Rs 20,000; annual Rs 10,000 waived on Rs 20 lakh spend in 12 months.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"Flights/hotels redemption capped at 70% of invoice and 6,00,000 points a month.","reward_exclusions":null,"point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the MITC itself only fixes the caps. Earn rates for Prime were not found in any readable source.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"8 points : 1 Maharaja Point; minimum balance 2,000 points","lounge_domestic":"No spend threshold for domestic lounge (MITC); visit count not found","lounge_international":"Not found","lounge_conditions":"4 complimentary guest visits per calendar year (domestic and international combined).","forex_markup_pct":0.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":2.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Invitation only.","source_product_page":null,"source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html","https://cardadvisor.in/banks/yes-bank-credit-cards"],"source_quality":"mixed","unverified_fields":["networks","base_earn","lounge_domestic","lounge_international","fuel_surcharge_waiver","late_payment_fee","cash_advance_fee"],"date_read":"2026-10-11","notes":"MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 1,00,000 (Private tier)); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. It is unclear whether the late-fee and cash-advance waivers given to YES Private also apply to Private Prime.","id":668,"depth":"fees-only","slug":"yes-private-prime","url":"https://m16s.in/cards/yes-private-prime/"},{"issuer":"Yes Bank","card_name":"YES Marquee","cobrand_partner":null,"networks":["Visa"],"segment":"super-premium","card_type":["rewards","travel","shopping"],"status":"open","joining_fee":9999,"annual_fee":4999,"fee_waiver_spend":1000000,"fee_notes":"Joining Rs 9,999 (no waiver); annual Rs 4,999 waived on Rs 10 lakh spend in 12 months.","welcome_benefit":"40,000 YES Rewardz points as joining benefit, credited the month after the membership fee is paid within the payment due date (issuer page); ET Prime membership voucher emailed the month after fee payment (issuer page footnote). Aggregators: 20,000 points on each renewal fee payment (not on the issuer page).","reward_currency":"YES Rewardz points","base_earn":"18 YES Rewardz points per Rs 200 on offline shopping (except select categories)","base_return_pct":2.25,"accelerated_earn":"36 points per Rs 200 on online shopping (except select categories); 10 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)","reward_caps":"Issuer page: 1,00,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 1,250 points per cycle. MITC: flights/hotels redemption max 70% of invoice and 3,00,000 points a month; statement credit, merchandise and vouchers each max 50% of balance, vouchers max Rs 25,000 worth a month.","reward_exclusions":"From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. Vouchers were devalued to about Rs 0.15 in 2024 (aggregator). base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 9 points per Rs 100 offline x Rs 0.25 = 2.25%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page); minimum balance 2,000 points; one aggregator shows 15:1","lounge_domestic":"6 per quarter (spend-gated)","lounge_international":"Unlimited for primary and add-on","lounge_conditions":"Domestic needs Rs 1,00,000 spend in the previous calendar quarter (fees, reversals, rent and wallet spends do not count). Guests: 4 international and 2 domestic visits a year. International has no spend threshold.","forex_markup_pct":1.0,"fuel_surcharge_waiver":"1% on Rs 500-5,000 transactions, cap Rs 1,000 per statement","milestone_benefits":null,"other_freebies":"Issuer page: Buy 1 Get 1 on BookMyShow movie tickets, max 3 free tickets a calendar month, discount capped at Rs 800 per ticket; purchase protection (accidental damage cover for 6 months on mobiles and electronics bought online); golf programme on the Visa network (rounds not stated); ET Prime membership. Aggregators: 4 golf green-fee waivers a year and 1 lesson a month; Credit Shield cover; dining discounts.","interest_rate_monthly_pct":2.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 3 lakh a month or ITR Rs 36 lakh and above; existing YES BANK credit cardholders not eligible (a virtual RuPay card can be added by existing Visa/Mastercard holders).","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-marquee","https://www.paisabazaar.com/yes-bank/marquee-credit-card/","https://cardinsider.com/yes-bank/yes-bank-marquee-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","point_value","lounge_domestic","other_freebies","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: confirms fees (Rs 9,999 first year; Rs 4,999 renewal waived on Rs 10 lakh retail spend), interest 2.99% a month, 36/18/10 points per Rs 200, the 1 lakh point cycle cap, the 1,250-point utility cap, fuel waiver cap Rs 1,000 per cycle and a foreign currency mark-up of 1% (stated on the page; matches the catalog). Conflict resolved: aggregators gave the ITR requirement as Rs 24 lakh or Rs 36 lakh; the page says Rs 36 lakh. Network set to Visa by inference only: the golf footnote names VISA as the network partner (other cards' footnotes say 'VISA or Mastercard'); kept in unverified_fields. Domestic lounge access is confirmed as subject to a spend threshold but no lounge counts appear in the page text; point values are behind a 'value chart' link that was not captured. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Club Vistara and InterMiles transfers shown on older aggregator pages no longer exist.","id":669,"depth":"full","slug":"yes-marquee","url":"https://m16s.in/cards/yes-marquee/"},{"issuer":"Yes Bank","card_name":"YES Reserv","cobrand_partner":null,"networks":[],"segment":"premium","card_type":["rewards","travel","shopping"],"status":"open","joining_fee":2499,"annual_fee":2499,"fee_waiver_spend":300000,"fee_notes":"Joining Rs 2,499 waived on Rs 40,000 spend in 1 month; annual Rs 2,499 waived on Rs 3 lakh spend in 12 months. Formerly YES First Exclusive. NRI and FD-backed variants exist.","welcome_benefit":"None found. Aggregator: 8,000 points on renewal fee payment.","reward_currency":"YES Rewardz points","base_earn":"12 YES Rewardz points per Rs 200 on offline shopping (except select categories)","base_return_pct":1.5,"accelerated_earn":"24 points per Rs 200 on online shopping (except select categories); 6 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)","reward_caps":"Issuer page: 36,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 750 points per cycle. MITC: flights/hotels redemption max 70% of invoice and 2,00,000 points a month.","reward_exclusions":"From 15 Jun 2026 no points on rent, wallet loads, fuel, UPI transactions (RuPay variant), government, marketing/advertising, cash withdrawals, transactions converted to EMI, insurance, education, railways, toll and ferry (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 6 points per Rs 100 offline x Rs 0.25 = 1.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page); minimum balance 2,000 points; one aggregator shows 15:1","lounge_domestic":"3 per quarter (spend-gated)","lounge_international":"6 per year","lounge_conditions":"Domestic access is subject to a spend threshold (issuer page; Rs 1,00,000 in the previous calendar quarter per MITC). Guests charged. International has no spend threshold; Priority Pass with a USD 1 validation hold, or LoungeKey with a hold of up to USD 35 on the RuPay variant.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 500 per statement","milestone_benefits":null,"other_freebies":"Issuer page: 25% discount offer on BookMyShow; purchase protection plan; golf programme (rounds not stated). Aggregators: golf green-fee waivers (4 rounds a year per one site, 24 per another) and lessons; concierge; Credit Shield cover.","interest_rate_monthly_pct":2.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 2 lakh a month or ITR Rs 18 lakh and above; existing YES BANK credit cardholders not eligible. NRI variant: NRE/NRO fixed deposit of Rs 10 lakh or more.","source_product_page":"https://www.yes.bank.in/personal-banking/cards/credit-card/reserv-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-first-exclusive","https://cardinsider.com/yes-bank/yes-bank-first-exclusive-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","welcome_benefit","point_value","lounge_domestic","lounge_international","other_freebies","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: FOREX CONFLICT: the page states 'Preferential Foreign Currency Markup of 2.00%' and a footnote says the markup applicable prior to 15 Jun 2026 was 1.75%. The catalog had 1.75% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 2.0 from the page. The NRI Reserv page still shows 1.75% and appears not to have been updated (its exclusion list is also the pre-June one). Confirms fees (Rs 2,499 first year waived on Rs 40,000 retail spend in one month; Rs 2,499 renewal waived on Rs 3 lakh), interest 2.99% a month (NRI variant 2.49%), 24/12/6 points per Rs 200, the 36,000-point cap, the 750-point utility cap and fuel waiver cap Rs 500. Conflict resolved: aggregators disagreed on whether rent, wallet, insurance and education earn the 6-point rate; the page says they earn nothing from 15 Jun 2026. International lounge access is advertised but no visit counts appear in the page text; no welcome or renewal bonus is mentioned on the page. Network is not stated (golf footnote says 'VISA or Mastercard'). || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (1.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. Reserv for NRI is charged 2.49% a month interest.","id":670,"depth":"full","slug":"yes-reserv","url":"https://m16s.in/cards/yes-reserv/"},{"issuer":"Yes Bank","card_name":"YES Elite+","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","shopping"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":200000,"fee_notes":"Joining Rs 999 waived on Rs 20,000 spend in 1 month; annual Rs 999 waived on Rs 2 lakh spend in 12 months. Formerly YES Premia. Also issued against FD.","welcome_benefit":"None found.","reward_currency":"YES Rewardz points","base_earn":"6 YES Rewardz points per Rs 200 on offline shopping (except select categories)","base_return_pct":0.75,"accelerated_earn":"12 points per Rs 200 on online shopping (except select categories); 4 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)","reward_caps":"Issuer page: 12,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 300 points per cycle. MITC: flights/hotels redemption max 70% of invoice and 1,00,000 points a month.","reward_exclusions":"From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 3 points per Rs 100 offline x Rs 0.25 = 0.75%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point; minimum balance 2,000 points","lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"3 per year","lounge_conditions":"Domestic needs Rs 50,000 spend in the previous calendar quarter. Guests charged. International has no spend threshold.","forex_markup_pct":3,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 125 per statement","milestone_benefits":null,"other_freebies":"Issuer page: 25% discount on movie tickets, capped at Rs 250 per calendar month, on the District app/website from 1 Oct 2026; purchase protection plan; golf programme referenced in the page terms (rounds not stated).","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 1 lakh a month or ITR Rs 9 lakh and above; existing YES BANK credit cardholders not eligible. FD-backed variant exists (MITC).","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-elite-plus","https://cardinsider.com/yes-bank/yes-premia-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","lounge_domestic","lounge_international","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms fees (Rs 999 first year waived on Rs 20,000 retail spend in one month; Rs 999 renewal waived on Rs 2 lakh), 12/6/4 points per Rs 200, the 12,000-point cap, the 300-point utility cap and fuel waiver cap Rs 125. The movie offer has moved from BookMyShow (aggregator value) to District. Forex markup: the page does not state the current rate; its footnote says only that 2.75% applied before 15 Jun 2026. 2.75% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. International lounge access is advertised and domestic access is confirmed as spend-gated, but no visit counts appear in the page text. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. FD-backed variant is charged 2.49% a month interest. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.0%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":671,"depth":"full","slug":"yes-elite","url":"https://m16s.in/cards/yes-elite/"},{"issuer":"Yes Bank","card_name":"YES Essence","cobrand_partner":null,"networks":["Mastercard"],"segment":"mid","card_type":["rewards","shopping"],"status":"open","joining_fee":799,"annual_fee":799,"fee_waiver_spend":100000,"fee_notes":"First year Rs 799 reversed on Rs 20,000 spend within one month of card set-up; renewal Rs 799 reversed on Rs 1 lakh spend in the 12 months before renewal. The page is running a limited-period lifetime-free offer, under which neither fee applies.","welcome_benefit":"Welcome vouchers worth Rs 1,000 on the first transaction within 45 days of issuance; 5,000 bonus YES Rewardz points on Rs 50,000 spend in the first 90 days.","reward_currency":"YES Rewardz points","base_earn":"4 YES Rewardz points per Rs 200 on offline spends","base_return_pct":0.5,"accelerated_earn":"12 points per Rs 200 on online spends in fashion, beauty, travel, dining and grocery; 8 points per Rs 200 on other online shopping","reward_caps":"Issuer page: online earn capped at 9,000 points per statement cycle. MITC: utility earn capped at 150 points per cycle; flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"No points on rental, wallet loads, fuel, government services, marketing and advertising, insurance, educational services, railways, toll, ferry, cash withdrawals, Post Purchase EMI, Instant EMI, fees and charges (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 offline x Rs 0.25 = 0.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"Not listed by name on Air India's YES Bank page; other YES Rewardz cards convert 10:1","lounge_domestic":"1 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Needs Rs 25,000 spend in the previous calendar quarter. Guests charged.","forex_markup_pct":3,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions, cap Rs 125 per statement","milestone_benefits":"10,000 bonus YES Rewardz points on annual spends of Rs 1,00,000 (cash advances, fees and EMI conversions excluded).","other_freebies":"Buy 1 Get 1 movie ticket on District (up to Rs 250 off the second ticket, once per calendar month); Rs 1,000 Myntra voucher and a health check-up in the birthday month; an offer at eligible outlets inside select malls; purchase protection plan.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Women's card. Age 21-60; minimum net salary Rs 30,000 a month; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/essence-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-essence","https://cardinsider.com/yes-bank/"],"source_quality":"mixed","unverified_fields":["networks","point_value","transfer_partners","transfer_ratio","lounge_domestic","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms fees, the Rs 1,000 welcome voucher, the 5,000 and 10,000 bonus points, 12/8/4 points per Rs 200, the 9,000-point online cap, the movie and birthday benefits and the Rs 30,000 salary criterion; a limited-period lifetime-free offer is running. Network changed from Visa (aggregator) to Mastercard by inference only: the page defines its accelerated categories 'as defined by Mastercard' with no mention of Visa; kept in unverified_fields. Domestic lounge access is confirmed as spend-gated but the count is not in the page text. The page does not state the forex markup, the fuel waiver terms or Air India transfer eligibility; those keep their old values. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.0%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":672,"depth":"full","slug":"yes-essence","url":"https://m16s.in/cards/yes-essence/"},{"issuer":"Yes Bank","card_name":"YES Select","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":599,"annual_fee":599,"fee_waiver_spend":100000,"fee_notes":"Joining Rs 599 waived on Rs 10,000 spend in 1 month; annual Rs 599 waived on Rs 1 lakh spend in 12 months. Formerly YES Prosperity Edge. NRI and FD-backed variants exist.","welcome_benefit":"None found.","reward_currency":"YES Rewardz points","base_earn":"4 YES Rewardz points per Rs 200 on offline shopping (except select categories)","base_return_pct":0.5,"accelerated_earn":"8 points per Rs 200 on online shopping (except select categories); 2 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)","reward_caps":"Issuer page: 5,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 150 points per cycle. MITC: flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 offline x Rs 0.25 = 0.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point; minimum balance 2,000 points","lounge_domestic":"1 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter. Guests charged.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 125 per statement","milestone_benefits":null,"other_freebies":"Issuer page: Buy 1 Get 1 movie ticket on District (up to Rs 150 off the second ticket, once per calendar month); Buy 1 Get 1 coffee at eligible mall outlets; purchase protection plan; golf programme (not available on the FD-backed card; rounds not stated). Aggregator: 4 golf green-fee rounds a year and a monthly lesson.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 50,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. NRI variant: NRE/NRO fixed deposit of Rs 3 lakh or more.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/select-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-select","https://gokiwi.in/blog/yes-bank-credit-cards","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","lounge_domestic","other_freebies","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: FOREX CONFLICT: the page states 'Foreign Currency Markup at 3.50%' and a footnote says the markup applicable prior to 15 Jun 2026 was 2.75%. The catalog had 2.75% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 3.5 from the page. The NRI Select page still shows 2.75% and appears not to have been updated. Confirms fees (Rs 599 first year waived on Rs 10,000 retail spend in one month; Rs 599 renewal waived on Rs 1 lakh), 8/4/2 points per Rs 200, the 5,000-point cap, the 150-point utility cap and fuel waiver cap Rs 125. The page intro mentions lounge access but no visit counts appear in the page text. Network is not stated (golf footnote says 'VISA or Mastercard'). NRI variant is charged 2.49% a month. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. FD and NRI variants are charged 2.49% a month interest.","id":673,"depth":"full","slug":"yes-select","url":"https://m16s.in/cards/yes-select/"},{"issuer":"Yes Bank","card_name":"YES Ace","cobrand_partner":null,"networks":["Visa"],"segment":"entry","card_type":["rewards","shopping"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"First year Rs 499 reversed on Rs 5,000 spend within one month of card set-up; renewal Rs 499 reversed on Rs 50,000 spend in the 12 months before renewal. Formerly YES Prosperity Rewards Plus. Also issued against FD. An aggregator reports a limited-time lifetime-free offer (not on the issuer page).","welcome_benefit":"None found.","reward_currency":"YES Rewardz points","base_earn":"4 YES Rewardz points per Rs 200 on offline shopping (except select categories)","base_return_pct":0.5,"accelerated_earn":"8 points per Rs 200 on online shopping (except select categories); 2 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)","reward_caps":"Issuer page: 5,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 150 points per cycle. MITC: flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"From 15 Jun 2026 no points on rent, wallet loads, fuel, UPI, government, marketing/advertising, cash withdrawals, transactions converted to EMI, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 offline x Rs 0.25 = 0.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":"Buy 1 Get 1 coffee at eligible outlets inside select malls; purchase protection plan.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/ace-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/yes-ace","https://gokiwi.in/blog/yes-bank-credit-cards","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms fees, 8/4/2 points per Rs 200, the 5,000-point cap, the 150-point utility cap, fuel waiver cap Rs 100, interest 3.99% a month (2.49% against FD) and the coffee and purchase-protection benefits. The page adds the ITR Rs 7.5 lakh route to eligibility. Forex markup: the page does not state the current rate; its footnote says only that 2.75% applied before 15 Jun 2026. 2.75% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. Network is not stated on the page. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":674,"depth":"full","slug":"yes-ace","url":"https://m16s.in/cards/yes-ace/"},{"issuer":"Yes Bank","card_name":"YES BYOC (Build Your Own Card)","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["rewards","cashback"],"status":"open","joining_fee":0,"annual_fee":588,"fee_waiver_spend":null,"fee_notes":"No annual fee; a monthly fee instead: Rs 49 a month on BYOC Rewards (Rs 588 a year, shown as annual_fee) or Rs 99 a month on BYOC Cashback (Rs 1,188 a year; Rs 49 for cards on-boarded before 1 Oct 2023), plus any subscription plan fee. One-time card fee in the first statement: regular plastic nil, eco-friendly Rs 249, metal Rs 3,499. No spend waiver. Re-issuance: regular Rs 199 (Rs 100 before 15 Jun 2026), bio-degradable Rs 349, metal Rs 3,599. Core benefit and card material cannot be changed after issuance.","welcome_benefit":"Amazon voucher worth Rs 500 on spending Rs 1,000 within the first 30 days (application offer shown on the issuer page).","reward_currency":"YES Rewardz points (Rewards plan) or cashback (Cashback plan)","base_earn":"Rewards plan: 8 YES Rewardz points per Rs 200 on all spends except rental, wallet and fuel; Cashback plan: 1% cashback on all spends except rental and fuel","base_return_pct":1.0,"accelerated_earn":"Optional monthly subscription (Silver Rs 99 / Gold Rs 149 / Platinum Rs 249, plus GST; changeable every month): 10% cashback on the chosen merchants (earlier pass: 2, 3 or all 5 of Swiggy, Uber, PharmEasy, BigBasket, BookMyShow; the merchant list is not in the page text)","reward_caps":"Issuer page: Cashback plan capped at Rs 1,000 per statement cycle; subscription cashback max Rs 100 per merchant per statement cycle. Rewards plan: the page FAQ says reward points are capped at 600 per statement cycle, while the page footnote (and the MITC) apply the 600-point cap to utility spends (MCC 4900) only.","reward_exclusions":"Cashback plan: nothing on rental, wallet, utility, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI. Rewards plan: nothing on rental, wallet, fuel, government, marketing/advertising, cash withdrawals, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct = 1% on the Cashback plan, which is issuer-stated rupee cashback, before the Rs 99 monthly fee and capped at Rs 1,000 a cycle. The Rewards plan (4 points per Rs 100) has no issuer-stated rupee value; at the aggregator's Rs 0.25 it is also about 1%. The monthly fee wipes out the return on spends below roughly Rs 5,000 to Rs 10,000 a month.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (BYOC Rewards only)","lounge_domestic":"1 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 125 per statement","milestone_benefits":null,"other_freebies":"Complimentary ET Prime membership on the first card anniversary; golf programme referenced in the page terms (rounds not stated).","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/byoc-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/yes-bank-byoc-credit-card/","https://gokiwi.in/blog/yes-bank-credit-cards","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","lounge_domestic"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms the fee structure, 8 points per Rs 200 or 1% cashback, the 10% merchant cashback (max Rs 100 per merchant per cycle) and fuel waiver cap Rs 125. Conflicts: the 1% cashback cap is Rs 1,000 per cycle on the page (the MITC reading showed both Rs 500 and Rs 1,000); ITR criterion is Rs 7.5 lakh on the page (aggregator said Rs 5 lakh). The page itself is inconsistent on the Rewards-plan cap (FAQ: 600 points per cycle overall; footnote: 600 points on utilities). Domestic lounge access is advertised but no count appears in the page text. The page does not state the forex markup; 3.5% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":675,"depth":"full","slug":"yes-byoc-build-your-own-card","url":"https://m16s.in/cards/yes-byoc-build-your-own-card/"},{"issuer":"Yes Bank","card_name":"YES Wellness Plus","cobrand_partner":"Aditya Birla Wellness","networks":["Mastercard"],"segment":"mid","card_type":["rewards","cobrand"],"status":"open","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Rs 1,499 first year and Rs 1,499 renewal for cards on-boarded on or after 1 Jul 2022 (older cards keep their original fee); no spend-based waiver.","welcome_benefit":"Amazon voucher worth Rs 500 on spending Rs 1,000 within the first 30 days (application offer shown on the issuer page).","reward_currency":"YES Rewardz points","base_earn":"6 YES Rewardz points per Rs 200 on other categories","base_return_pct":0.75,"accelerated_earn":"30 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912)","reward_caps":"Issuer page: utility (MCC 4900) earn capped at 300 points per statement cycle (the MITC reading had 450). MITC: flights/hotels redemption max 1,00,000 points a month. No pharmacy cap stated.","reward_exclusions":"No points on rental, wallet, fuel, cash advance fee, government, marketing/advertising, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 3 points per Rs 100 x Rs 0.25 = 0.75%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 250 per statement","milestone_benefits":null,"other_freebies":"Issuer page: complimentary health check-up plus a Rs 500 Amazon voucher if availed within 90 days of card issuance/renewal; complimentary fitness sessions; 24x7 doctor consultations; digital health assessment with face scan; all booked through the Activ Health app (Aditya Birla Wellness). Aggregator: 12 fitness sessions a month, annual dental and eye check-ups.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; salaried or self-employed; minimum net salary Rs 20,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/wellness-plus-cards","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/yes-bank-wellness-plus-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","lounge_domestic","other_freebies","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms fees, 30 points per Rs 200 at pharmacies and 6 on other categories, the Aditya Birla Wellness tie-up, the city list and fuel waiver cap Rs 250. Conflict: the page gives the utility earn cap as 300 points per cycle; the MITC reading had 450 (page value used in reward_caps). Network set to Mastercard by inference only (pharmacy category 'as defined by Mastercard'); kept in unverified_fields. Complimentary lounge access is advertised but no count appears in the page text. The page does not state the forex markup; 3.5% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":676,"depth":"full","slug":"yes-wellness-plus","url":"https://m16s.in/cards/yes-wellness-plus/"},{"issuer":"Yes Bank","card_name":"YES Wellness","cobrand_partner":"Aditya Birla Wellness","networks":["Mastercard"],"segment":"entry","card_type":["rewards","cobrand"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":null,"fee_notes":"Rs 499 first year and renewal for cards on-boarded on or after 28 Aug 2024; Rs 749 for cards on-boarded between 1 Jul 2022 and 28 Aug 2024; older cards keep their original fee. No spend-based waiver.","welcome_benefit":"Amazon voucher worth Rs 500 on spending Rs 1,000 within the first 30 days (application offer shown on the issuer page).","reward_currency":"YES Rewardz points","base_earn":"4 YES Rewardz points per Rs 200 on other categories","base_return_pct":0.5,"accelerated_earn":"20 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912)","reward_caps":"MITC: utility earn capped at 300 points per cycle; flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"No points on rental, wallet, fuel, cash advance fee, government, marketing/advertising, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 x Rs 0.25 = 0.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 125 per statement","milestone_benefits":null,"other_freebies":"Issuer page: complimentary health check-up plus a Rs 300 Amazon voucher; 24x7 doctor consultations; digital health assessment with face scan; booked through the Activ Health app (Aditya Birla Wellness). Aggregator: 6 fitness sessions a month (not on the issuer page).","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; salaried or self-employed; minimum net salary Rs 20,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Cities covered: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/wellness-cards","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/yes-bank-wellness-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","other_freebies","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms the Rs 499 fee for new cards, 4 points per Rs 200, the 300-point utility cap, the Aditya Birla Wellness tie-up and fuel waiver cap Rs 125. Conflict resolved: the aggregator showed the pharmacy rate as 20 points in one place and 10 in another; the page says 20 per Rs 200. Network set to Mastercard by inference only (pharmacy category 'as defined by Mastercard'); kept in unverified_fields. Fitness sessions are not listed on this card's page (they are on Wellness Plus). The page does not state the forex markup; 3.5% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":677,"depth":"full","slug":"yes-wellness","url":"https://m16s.in/cards/yes-wellness/"},{"issuer":"Yes Bank","card_name":"YES EMI Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":120000,"fee_notes":"Rs 499 first year and renewal for cards on-boarded on or after 28 Aug 2024; Rs 749 for cards on-boarded between 1 Jul 2022 and 28 Aug 2024 (issuer page). MITC: annual fee waived on Rs 1.2 lakh spend in 12 months.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":"1% cashback on transactions not converted into EMI","base_return_pct":1.0,"accelerated_earn":"3% cashback on select merchants via YES Cart","reward_caps":"Issuer page: 1% cashback capped at Rs 500 a month. Aggregator: 3% tier capped at Rs 1,000 a month.","reward_exclusions":"No cashback on transactions converted into EMI (issuer page).","point_value":"Cashback credited to the card account within 90 days of month end","points_expiry":null,"reward_notes":"base_return_pct = issuer-stated 1% rupee cashback, capped at Rs 500 a month, and only on transactions that are not auto-converted to EMI.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 250 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/emi-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/yes-bank-emi-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","accelerated_earn","reward_caps"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms automatic EMI conversion (3 to 12 months), 1% cashback up to Rs 500 a month on non-EMI transactions and a 1% processing fee on converted transactions. Conflicts: the page gives the EMI interest rate as 18% (aggregator said 16% p.a.); ITR criterion Rs 7.5 lakh (aggregator said Rs 5 lakh). The 3% YES Cart tier and its cap are not on the page and remain aggregator values. The page does not state the forex markup (3.5% stays unverified), the network, or the fee waiver. || Earlier notes: Aggregator: purchases above Rs 5,000 are auto-converted to EMI within 5 working days at 16% p.a. reducing balance (3, 6 or 12 months by ticket size) with a 1% processing fee, so this is a borrowing product more than a rewards card. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":678,"depth":"full","slug":"yes-emi-card","url":"https://m16s.in/cards/yes-emi-card/"},{"issuer":"Yes Bank","card_name":"YES First Business","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["business","rewards","travel"],"status":"open","joining_fee":999,"annual_fee":999,"fee_waiver_spend":300000,"fee_notes":"Joining Rs 999 waived on Rs 20,000 spend in 1 month; annual Rs 999 waived on Rs 3 lakh spend in 12 months (MITC). Some aggregators still show Rs 2,499.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":"8 YES Rewardz points per Rs 200 on all categories other than select categories","base_return_pct":1.0,"accelerated_earn":"16 points per Rs 200 on air, hotel, dining, travel-agency and similar travel MCCs (capped at 3,000 points per statement); 4 points per Rs 200 on select categories (local transport, taxis, buses, utilities, grocery, insurance, education, tolls). Aggregator: optional paid subscription plans (Rs 3,500 / Rs 5,000) multiply points on travel, dining, fashion, healthcare (not on the issuer page).","reward_caps":"Issuer page: 16-point tier capped at 3,000 points per statement. MITC: utility earn capped at 300 points per cycle; flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"No points on rent, wallet, fuel, government transactions, cash withdrawals, Post Purchase EMI, EMI on Call and Instant EMI (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 4 points per Rs 100 x Rs 0.25 = 1.0%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"6 per year (outside India), via Priority Pass","lounge_conditions":"Domestic needs Rs 75,000 spend in the previous calendar quarter (MITC); the domestic visit count is from an aggregator. International: USD 1 validation hold per visit.","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 500-5,000 transactions (Rs 400-5,000 before 15 Jun 2026), cap Rs 500 per statement","milestone_benefits":"20,000 reward points on annual spends of Rs 12 lakh or more in each anniversary year.","other_freebies":"Issuer page: green-fee waiver on golf rounds (count not stated). Aggregator: 4 golf green-fee rounds and 12 lessons a year.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-70; self-employed individuals, proprietors and partners of partnership firms; minimum ITR Rs 10 lakh; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/business-banking/cards/credit-cards/yes-first-business-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/first-business-credit-card","https://gokiwi.in/blog/yes-bank-credit-cards","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","accelerated_earn","lounge_domestic","other_freebies","point_value","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: FOREX CONFLICT: the page states 'Attractive Foreign Currency Markup Fee of 2.00%' and a footnote says the markup applicable prior to 15 Jun 2026 was 1.75%. The catalog had 1.75% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 2.0 from the page. Confirms fees (Rs 999 first year waived on Rs 20,000 retail spend in one month; Rs 999 renewal waived on Rs 3 lakh), 16/8/4 points per Rs 200, the 3,000-point cap on the 16-point tier (the aggregator had not said what it applied to: it is travel and dining MCCs), 6 international lounge visits a year, the 20,000-point milestone, fuel waiver cap Rs 500 and the eligibility criteria. Domestic lounge count and golf round count are not on the page. Network is not stated (page refers to Mastercard, RuPay and VISA generically). || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (1.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure.","id":679,"depth":"full","slug":"yes-first-business","url":"https://m16s.in/cards/yes-first-business/"},{"issuer":"Yes Bank","card_name":"YES Prosperity Business","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business","rewards"],"status":"open","joining_fee":499,"annual_fee":499,"fee_waiver_spend":100000,"fee_notes":"Joining Rs 499 waived on Rs 10,000 spend in 1 month; annual Rs 499 waived on Rs 1 lakh spend in 12 months.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":"4 YES Rewardz points per Rs 200 on all categories other than select categories","base_return_pct":null,"accelerated_earn":"8 points per Rs 200 on air, hotel, dining, travel-agency and similar travel MCCs (capped at 1,500 points per statement); 2 points per Rs 200 on select categories (local transport, taxis, buses, utilities, grocery, insurance, education, tolls)","reward_caps":"Issuer page: 8-point tier capped at 1,500 points per statement. MITC: utility earn capped at 150 points per cycle.","reward_exclusions":"No points on rent, wallet, fuel, government transactions, cash withdrawals, Post Purchase EMI, EMI on Call and Instant EMI (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 2 points per Rs 100 x Rs 0.25 = 0.5%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"1 per quarter (spend-gated)","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter (MITC).","forex_markup_pct":3.0,"fuel_surcharge_waiver":"1% on Rs 500-5,000 transactions; cap not found","milestone_benefits":"10,000 reward points on annual spends of Rs 6 lakh or more in each anniversary year.","other_freebies":"Green-fee waiver on golf rounds (count not stated).","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-70; self-employed individuals, proprietors and partners of partnership firms; minimum ITR Rs 7.5 lakh; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/business-banking/cards/credit-cards/yes-prosperity-business-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.bankbazaar.com/credit-card/yes-bank-credit-card-fees.html","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","fuel_surcharge_waiver"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: the page is live with an application flow and no discontinuation notice, so status 'open' is confirmed. FOREX CONFLICT: the page states 'Attractive Foreign Currency Markup Fee of 3.00%' and a footnote says the markup applicable prior to 15 Jun 2026 was 2.50%. The catalog had 2.5% (from the 11 Oct 2026 re-read of the MITC, which therefore picked up the pre-15-June rate); now 3.0 from the page. New from the page: 8/4/2 points per Rs 200, the 1,500-point cap, 1 domestic lounge visit a quarter, the 10,000-point milestone, golf green-fee waiver and eligibility. Confirms fees (Rs 499 first year waived on Rs 10,000 spend in one month; Rs 499 renewal waived on Rs 1 lakh). The fuel waiver cap is not on the page (range before 15 Jun 2026 was Rs 400-5,000). Network is not stated. || Earlier notes: Listed in the current MITC fee table without a 'no longer sourced' flag, so treated as open; no product detail could be read. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.5%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure.","id":680,"depth":"full","slug":"yes-prosperity-business","url":"https://m16s.in/cards/yes-prosperity-business/"},{"issuer":"Yes Bank","card_name":"Klick RuPay Credit Card (Kiwi)","cobrand_partner":"Kiwi","networks":["RuPay"],"segment":"entry","card_type":["upi","cashback","cobrand","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Zero joining and annual fees (issuer page; MITC: nil). Virtual card only; no physical card.","welcome_benefit":null,"reward_currency":"Kiwi cashback plus YES Rewardz points","base_earn":"Bank layer (issuer page): 2 YES Rewardz points per Rs 200 on non-UPI transactions. Kiwi layer (partner site, not the issuer): 1.5% cashback on UPI scan-and-pay; 0.5% on online spends. Paisabazaar also listed 4 points per Rs 200 on UPI spends above Rs 2,000; the issuer page does not mention points on UPI.","base_return_pct":1.5,"accelerated_earn":"With Kiwi Neon membership (aggregator: Rs 999 a year + GST): 2% on UPI scan-and-pay and 5% on spends above Rs 1.5 lakh in the year","reward_caps":"Issuer page: utility (MCC 4900) earn capped at 150 points per statement cycle. Kiwi pages state no cap on Kiwi cashback; not verified.","reward_exclusions":"Bank points: none on rent, wallet, fuel, government, marketing/advertising, cash withdrawals/advances, fees and charges, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page). Kiwi's own cashback exclusions are not published on the pages read.","point_value":"Kiwi cashback is rupee value, withdrawn to bank account; bank points follow YES Rewardz values","points_expiry":"Bank points: 3 years","reward_notes":"base_return_pct left null: the only issuer-stated earn is 2 YES Rewardz points per Rs 200 on non-UPI spends, and the point value is not issuer-stated (indicative at the aggregator's Rs 0.25: 0.25%). The 1.5% UPI cashback previously used is Kiwi's own programme; the issuer page says any programme administered by the Kiwi app is solely Kiwi's responsibility. How Kiwi cashback and bank points interact is not stated. Kiwi also issues on AU Bank and PNB with different terms.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (Klick is on Air India's list)","lounge_domestic":"With Neon only: aggregator says up to 3 a year","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 250 per statement; none on UPI fuel payments","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Applied for in the Kiwi app with video KYC; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/klick-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://gokiwi.in/cards/yesbank/","https://gokiwi.in/","https://gokiwi.in/blog/best-yes-bank-credit-card-for-upi","https://www.paisabazaar.com/yes-bank/yes-rupay-credit-cards/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_caps","lounge_domestic","base_earn","base_return_pct","point_value"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: source_product_page was Kiwi's page (now moved to source_other). The issuer page confirms: RuPay network only, virtual only, zero joining and annual fees, 2 YES Rewardz points per Rs 200 on non-UPI transactions, the 150-point utility cap, the exclusion list and fuel waiver cap Rs 250 per cycle. It says nothing about Kiwi cashback rates, Neon membership, lounge access or forex markup, so those keep their partner/aggregator values; 2.75% forex stays unverified and may be the pre-15-June-2026 rate (the plain YES BANK RuPay card's page describes 2.75% that way). || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. Cash advance not applicable to virtual cards. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":681,"depth":"full","slug":"yes-klick-rupay-credit-card-kiwi","url":"https://m16s.in/cards/yes-klick-rupay-credit-card-kiwi/"},{"issuer":"Yes Bank","card_name":"YES Bank RuPay Credit Card (virtual)","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["upi","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free virtual companion card.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":"2 YES Rewardz points per Rs 200 on all online spends","base_return_pct":0.25,"accelerated_earn":"4 points per Rs 200 on UPI transactions above Rs 2,000 (max 5,000 points a month)","reward_caps":"Issuer page: UPI tier capped at 5,000 points a month; utility (MCC 4900) earn capped at 150 points per statement cycle.","reward_exclusions":"No points on rent, wallet, fuel, government, marketing/advertising, cash withdrawals, cash advance fee and charges, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 1 point per Rs 100 x Rs 0.25 = 0.25%. UPI spends of Rs 2,000 or less are not given a rate on the page.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (listed as YES UPI CC)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions (Rs 400-5,000 before 15 Jun 2026), cap Rs 125 per statement cycle","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Existing YES BANK Visa or Mastercard credit cardholders, except NRI, FD-backed, corporate, commercial, co-branded and purchase cards; not available to anyone already holding a YES BANK RuPay credit card. Virtual only; shares the primary card's limit. UPI limit up to Rs 1 lakh per transaction; merchant payments only.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/rupay-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/yes-rupay-credit-cards/","https://www.paisabazaar.com/yes-bank/lifetime-free-credit-cards/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["point_value","base_return_pct"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms lifetime-free virtual-only card, 4 points per Rs 200 on UPI above Rs 2,000 (cap 5,000 points a month), 2 points per Rs 200 on online spends, the 150-point utility cap and the fuel waiver (Rs 500-3,000, cap Rs 125). The same page content is also served at the '/freo-rupay-credit-card' URL. Forex markup: the page does not state the current rate; its footnote says only that 2.75% applied before 15 Jun 2026. 2.75% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. Cash advance not applicable to virtual cards. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":682,"depth":"full","slug":"yes-bank-rupay-credit-card-virtual","url":"https://m16s.in/cards/yes-bank-rupay-credit-card-virtual/"},{"issuer":"Yes Bank","card_name":"POP-CLUB Credit Card","cobrand_partner":"POP","networks":["RuPay"],"segment":"entry","card_type":["cobrand","shopping","upi","rewards"],"status":"open","joining_fee":0,"annual_fee":399,"fee_waiver_spend":150000,"fee_notes":"No joining fee; annual Rs 399 charged only if Rs 1.5 lakh is not spent in the anniversary year. The page is running a limited-time lifetime-free offer, under which no annual fee applies.","welcome_benefit":"Issuer page: 400 POPcoins when the Rs 399 annual fee is paid. Aggregator: 500 POPcoins on activation, Cleartrip vouchers worth Rs 750, 3-month Zomato Gold, 6-month PharmEasy Plus (not on the issuer page).","reward_currency":"POPcoins","base_earn":"2 POPcoins per Rs 100 on other transactions, including UPI (minimum transaction Rs 100)","base_return_pct":2.0,"accelerated_earn":"10 POPcoins per Rs 100 on e-commerce/online transactions","reward_caps":"No earn cap found.","reward_exclusions":"No POPcoins on fuel, rent, wallet loads, government, marketing/advertising, ATM withdrawals, utility, insurance premium, POI funding, EMI conversions and, from 1 Jun 2026, education. Personal spends only.","point_value":"1 POPcoin = up to Rs 1; used for discounts inside the POPclub app, sample/trial packs, exclusive deals and at 100+ partner D2C brands","points_expiry":"365 days from the date of credit","reward_notes":"base_return_pct = 2 POPcoins per Rs 100 at the issuer's best-case 'up to Rs 1' per coin. Real value is lower: coins are closed-loop. POPcoins are credited after the monthly statement is generated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"From 1 Jun 2026: 1% on Rs 1,000-3,500 transactions, cap Rs 100 per statement cycle (before: Rs 400-5,000, cap Rs 300)","milestone_benefits":"1,500 POPcoins on crossing Rs 1.5 lakh spend in an anniversary year (also for lifetime-free cards); the annual fee is not charged at that level.","other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Applied for through the POP app.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/pop-club-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/popclub-credit-card","https://www.paisabazaar.com/yes-bank/yes-rupay-credit-cards/","https://gokiwi.in/blog/best-yes-bank-credit-card-for-upi"],"source_quality":"mixed","unverified_fields":["welcome_benefit"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms RuPay network, zero joining fee, Rs 399 annual fee waived on Rs 1.5 lakh, 10 POPcoins per Rs 100 online and 2 per Rs 100 on other spends, the 1,500-POPcoin milestone and eligibility. Conflicts: UPI spends earn 2 POPcoins per Rs 100 on the page (aggregators said 5 or 7 for POP UPI); fuel waiver cap from 1 Jun 2026 is Rs 100 on Rs 1,000-3,500 transactions (the two MITC readings had Rs 100 and Rs 300; Rs 300 was the pre-June cap). New: POPcoins expire 365 days after credit; coin value is 'up to Rs 1'; education excluded from 1 Jun 2026; maximum 5 rent transactions per 30 days. The page does not state the forex markup; 3.4% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":683,"depth":"full","slug":"yes-pop-club-credit-card","url":"https://m16s.in/cards/yes-pop-club-credit-card/"},{"issuer":"Yes Bank","card_name":"ANQ Phi (with ANQ Pi RuPay virtual card)","cobrand_partner":"ANQ","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["cobrand","rewards","upi"],"status":"closed-to-new","joining_fee":0,"annual_fee":499,"fee_waiver_spend":120000,"fee_notes":"Phi (physical): no joining fee, annual Rs 499 waived on Rs 1.2 lakh spend in 12 months (MITC). Pi (virtual RuPay) is free.","welcome_benefit":null,"reward_currency":"YES Rewardz points (aggregator: redeemed as ANQ Coins or digital gold in the ANQ app)","base_earn":"Phi: 4 YES Rewardz points per Rs 200 on other select categories","base_return_pct":null,"accelerated_earn":"Phi (issuer page): 24 points per Rs 200 on travel, hotels, dining and fast food, and on groceries, supermarkets, apparel and entertainment. Pi (aggregator, not on the issuer page): 8 points per Rs 200 on UPI transactions above Rs 2,000; 2 points per Rs 200 on other online and smaller UPI spends.","reward_caps":"Aggregator: Pi UPI earn capped at 5,000 points a month.","reward_exclusions":"No points on fuel, rent, wallet loads, government services, ATM withdrawals, utility and telecom bill payments, insurance premiums, toll/bridge fees, educational services, jewellery and precious metals, POI funding, hospitals, cash advances, fees and charges, EMI conversions. Personal spends only (issuer page).","point_value":"Not stated; redeemable against digital gold or ANQ Coins in the ANQ app","points_expiry":"3 years","reward_notes":"base_return_pct not computed: no rupee value per point is stated on the issuer page. Indicative only: at the aggregator's Rs 0.25 per YES Rewardz point, base is about 0.5% and the 24-point tier about 3%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (ANQ Phi and Pi are on Air India's list)","lounge_domestic":null,"lounge_international":"Issuer page: complimentary international lounge access (count not stated). Aggregator: up to 3 a year on Phi.","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"From 15 Jun 2026: 1% on Rs 500-3,000 transactions, cap Rs 300 per statement cycle (before: Rs 400-5,000)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"No longer open to new applicants. Criteria when offered: age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible; applied for in the ANQ app.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/anq-phi-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/anq-pi-phi-credit-card/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["accelerated_earn","reward_caps","point_value","lounge_international","forex_markup_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: STATUS CHANGE: the page says 'We are no longer accepting applications for YES BANK Anq Phi Credit Card'; status set to closed-to-new (was open). Conflict: the base rate is 4 points per Rs 200 on the page (aggregator said 2). Confirms no joining fee, Rs 499 renewal fee waived on Rs 1.2 lakh retail spend, the 24-point tiers (the page adds apparel, entertainment and supermarkets) and the fuel waiver cap of Rs 300. The page covers Phi (Mastercard) only; ANQ Pi (RuPay virtual) terms remain aggregator values. The page does not state the forex markup; 3.4% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. The aggregator page was last updated Aug 2025; the card is still in the Oct 2026 MITC fee table. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":684,"depth":"full","slug":"yes-anq-phi-with-anq-pi-rupay-virtual-card","url":"https://m16s.in/cards/yes-anq-phi-with-anq-pi-rupay-virtual-card/"},{"issuer":"Yes Bank","card_name":"Paisabazaar PaisaSave Credit Card","cobrand_partner":"Paisabazaar","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["cashback","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":120000,"fee_notes":"No joining fee; annual (renewal) Rs 499 waived on Rs 1.2 lakh retail spend in the card anniversary year; not applicable to cards issued lifetime free. Physical Mastercard plus a free RuPay virtual card (no joining or renewal fee) for existing PaisaSave holders.","welcome_benefit":null,"reward_currency":"Reward points (1 point = Rs 1)","base_earn":"2 points per Rs 200 (1%) on other spends","base_return_pct":1.0,"accelerated_earn":"12 points per Rs 200 (6%) on specific dining and travel MCCs (restaurants, bars, fast food, airlines, airports, travel agencies, hotels), not on UPI; UPI on the RuPay card earns 1% only on transactions above Rs 2,000","reward_caps":"Rewards capped at 3,000 per statement cycle on the 6% tier; base points keep accruing beyond that.","reward_exclusions":"Rent, utilities, education, insurance, EMI, wallet loads, cash advances, tolls, government services, fuel, hospitals, pharmacies, telecom equipment and services, passenger railways, jewellery, advertising, consulting/professional/business services, doctors, several automotive categories; UPI below Rs 2,000.","point_value":"1 point = Rs 1 as statement credit via YES Rewardz; no redemption charge","points_expiry":"3 years from earning (MITC general rule)","reward_notes":"base_return_pct = 1 point per Rs 100 x Rs 1; both the earn rate and the 1 RP = INR 1 value are stated on the issuer page. The exclusion list is unusually long: pharmacies, hospitals and telecom earn nothing. Before 15 Dec 2025 the card paid 3% online and 1.5% offline instead.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 250 per statement (Rs 125 on the RuPay virtual card)","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; salaried or self-employed; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Applied for through Paisabazaar.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/paisabazaar-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/paisabazaar-paisasave-credit-card/","https://www.paisabazaar.com/yes-bank/yes-rupay-credit-cards/"],"source_quality":"primary","unverified_fields":[],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: source_product_page was Paisabazaar's page (now moved to source_other); every reward field is now confirmed on YES BANK's own PaisaSave and PaisaSave RuPay pages: 6% (12 RP per Rs 200) on dining and travel MCCs, 1% (2 RP per Rs 200) on other spends, 1 RP = Rs 1, no redemption charge, the 3,000 cap per statement cycle, the exclusion list and the fee. A lifetime-free variant exists. Neither page states the forex markup; 3.4% (MITC reading; Paisabazaar's page shows 3.50%) stays unverified and may be the pre-15-June-2026 rate. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. Partner page (Paisabazaar) shows 3.50%. Not the same product as the Federal Bank Paisabazaar Paisaback card. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":685,"depth":"full","slug":"yes-paisabazaar-paisasave-credit-card","url":"https://m16s.in/cards/yes-paisabazaar-paisasave-credit-card/"},{"issuer":"Yes Bank","card_name":"YES BANK Uni Credit Card","cobrand_partner":"Uni Cards","networks":["RuPay"],"segment":"entry","card_type":["cashback","cobrand","upi"],"status":"open","joining_fee":0,"annual_fee":499,"fee_waiver_spend":50000,"fee_notes":"Zero joining fee; renewal Rs 499 waived on Rs 50,000 retail spend in the 12 months before renewal; not applicable to cards issued lifetime free (issuer page). The RuPay virtual twin has no joining or annual fee. Uni's own Key Fact Statement shows the annual fee as zero ('previously Rs 499').","welcome_benefit":null,"reward_currency":"Uni coins","base_earn":"1% reward points, issued as Uni coins, on eligible spends (described as unlimited)","base_return_pct":1.0,"accelerated_earn":null,"reward_caps":"None: the issuer page describes the 1% as unlimited.","reward_exclusions":"No Uni coins on fuel, wallet loads, rent, government payments, education, utility and telecom payments, EMI transactions, cash advances/withdrawals, marketing and advertising services, and international transactions (issuer page).","point_value":"Rewards are issued as Uni coins; the rupee value of a coin is not stated on the issuer page","points_expiry":null,"reward_notes":"base_return_pct left null: the issuer states the earn as '1% Reward points (issued as Uni coins)' but not what a coin is worth; if a coin is worth Rs 1 the return is 1%. International transactions earn nothing, so the zero forex markup comes without rewards.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None found","lounge_international":"None found","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on fuel transactions up to Rs 7,500, cap Rs 500 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5%, minimum Rs 650 from 15 Jun 2026 (Uni Key Fact Statement)","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible; applied for in the Uni app. The RuPay virtual card is only for existing Uni cardholders.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/uni-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.uni.cards/credit-card-key-facts/yesbank","https://www.paisabazaar.com/yes-bank/uni-credit-card/","https://gokiwi.in/blog/best-yes-bank-credit-card-for-upi"],"source_quality":"mixed","unverified_fields":["networks","base_return_pct","point_value"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: source_product_page was Uni's Key Fact Statement (now moved to source_other). The issuer's Uni and Uni RuPay pages confirm: 0% forex markup, zero joining fee, Rs 499 renewal waived on Rs 50,000, unlimited 1% rewards, fuel waiver up to Rs 7,500 per transaction with a Rs 500 cap per cycle, and eligibility. Changes: rewards are issued as Uni coins, not rupee cashback (aggregator said cashback); the exclusion list is new and includes international transactions. The physical card's network is still not stated; a RuPay virtual twin is confirmed. source_quality stays mixed only because the cash-advance fee wording cites Uni's Key Fact Statement. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Zero forex markup and no DCC charge per the MITC. Uni's statement limits rent to 3 transactions a month. MITC lists both 'Uni' and 'Uni RuPay Virtual'; the physical card's network was not stated in the sources read.","id":686,"depth":"full","slug":"yes-bank-uni-credit-card","url":"https://m16s.in/cards/yes-bank-uni-credit-card/"},{"issuer":"Yes Bank","card_name":"FREO Credit Card","cobrand_partner":"Freo","networks":["Visa","RuPay"],"segment":"entry","card_type":["cashback","cobrand","upi"],"status":"closed-to-new","joining_fee":399,"annual_fee":399,"fee_waiver_spend":100000,"fee_notes":"Issuer page: zero joining fee; membership fee Rs 399 for the first year and each renewal, charged only if the spend condition is missed: Rs 10,000 retail spend in the first 30 days waives the first year, Rs 1,00,000 in the anniversary year waives the next renewal. (The MITC labels the first-year Rs 399 a joining fee; it is recorded in joining_fee.)","welcome_benefit":null,"reward_currency":"Cashback (Visa) and YES Rewardz points (RuPay virtual)","base_earn":"1% cashback on eligible spends (described as unlimited)","base_return_pct":1.0,"accelerated_earn":"RuPay virtual (aggregator; the issuer's '/freo-rupay-credit-card' URL serves the generic YES BANK RuPay card page with the same rates): 4 points per Rs 200 on UPI spends above Rs 2,000; 2 points per Rs 200 on online spends","reward_caps":"None: the issuer page describes the 1% cashback as unlimited.","reward_exclusions":"No cashback on fuel, rent, transfers to wallets, government MCCs, ATM withdrawals, utility payments, cash advances, fees and charges, EMI transactions. Personal spends only (issuer page). An aggregator also said UPI spends earn no cashback; the page does not say.","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct = issuer-stated 1% rupee cashback.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None found","lounge_international":"None found","lounge_conditions":null,"forex_markup_pct":3.4,"fuel_surcharge_waiver":"1% on Rs 400-5,000 transactions, cap Rs 125 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"No longer open to new applicants; existing cardholders are asked to contact the bank to move to another card variant. Criteria when offered: age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/freo-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/freo-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","accelerated_earn"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: STATUS CHANGE: the page says 'We are no longer accepting applications for YES BANK FREO Credit Card' and asks existing cardholders to get the card upgraded to another variant; status set to closed-to-new (was open). Confirms unlimited 1% cashback, the Rs 399 fee and its waivers, and the fuel waiver (Rs 400-5,000, cap Rs 125; this page was not updated with a 15 Jun 2026 range). Conflicts: ITR criterion Rs 7.5 lakh (aggregator said Rs 5 lakh); the page calls the first-year Rs 399 an annual membership fee with zero joining fee, which reconciles the MITC (Rs 399 joining) with Paisabazaar (nil joining). Rent is limited to 3 transactions per 30 days on this card. The page does not state the network or the forex markup. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Paisabazaar's page shows older interest (3.8% a month) and late-fee slabs; the MITC figures are used here.","id":687,"depth":"full","slug":"yes-freo-credit-card","url":"https://m16s.in/cards/yes-freo-credit-card/"},{"issuer":"Yes Bank","card_name":"Zagg RuPay Credit Card (formerly Rio)","cobrand_partner":"Zagg (Zaggle)","networks":["RuPay"],"segment":"entry","card_type":["upi","cobrand","rewards","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free for cards issued from 10 Jan 2025. Cards issued before that (as Rio) carry Rs 399 + GST a year, waived on Rs 1.8 lakh annual spend.","welcome_benefit":null,"reward_currency":"Zagg Coins","base_earn":"3% of transaction amount as Zagg Coins on UPI payments made through the Zagg app (minimum Rs 50, larger merchants only)","base_return_pct":0.75,"accelerated_earn":null,"reward_caps":"Aggregator: coins per cycle capped at 1.5% of the credit limit (from 23 Sep 2025).","reward_exclusions":"Aggregator: nothing on card swipes, taps, online card payments, UPI through other apps, Bharat QR, mandates, rent, utilities, insurance, education, government, fuel, jewellery.","point_value":"Aggregator values 4 coins at Rs 1 (Rs 0.25 a coin); redeemed in the Zagg app to bank account","points_expiry":null,"reward_notes":"base_return_pct = 3 coins per Rs 100 x Rs 0.25 = 0.75%, using an aggregator's coin value, not the issuer's.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"2 per quarter (spend-gated)","lounge_international":"None","lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter (MITC threshold). Primary cardholder only.","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 transactions, cap Rs 250 per statement; none on UPI fuel payments","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Aggregator: age 21-60; income Rs 25,000 a month; existing YES Bank credit cardholders not eligible.","source_product_page":null,"source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardadvisor.in/cards/zagg","https://www.paisabazaar.com/yes-bank/yes-rupay-credit-cards/","https://www.paisabazaar.com/yes-bank/lifetime-free-credit-cards/"],"source_quality":"mixed","unverified_fields":["base_earn","reward_caps","reward_exclusions","point_value","lounge_domestic","eligibility"],"date_read":"2026-10-31","notes":"MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Rio.money was acquired by Zaggle and the YES Bank Rio card renamed Zagg (aggregator, Dec 2025). Zagg also issues on AU Bank and PNB with different terms. Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":688,"depth":"full","slug":"yes-zagg-rupay-credit-card-formerly-rio","url":"https://m16s.in/cards/yes-zagg-rupay-credit-card-formerly-rio/"},{"issuer":"Yes Bank","card_name":"BankBazaar FinBooster Credit Card","cobrand_partner":"BankBazaar","networks":["Visa","RuPay"],"segment":"entry","card_type":["cobrand","rewards","lifetime-free","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free (MITC: nil joining and annual).","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":"2 YES Rewardz points per Rs 200 on other retail spends (except fuel)","base_return_pct":null,"accelerated_earn":"5X: 10 points per Rs 200 on online dining (MCC 5262, 5499, 5814); 3X: 6 points per Rs 200 on online grocery and apparel (MCC 5411, 5812, 5699, 5964)","reward_caps":null,"reward_exclusions":"No points on fuel, rent, wallet, government, marketing/advertising, utility spends, cash advance fees, Priority Pass charges, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 1 point per Rs 100 x Rs 0.25 = 0.25%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (FinBooster and UPI FinBooster are on Air India's list)","lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":"Complimentary CreditStrong credit report (BankBazaar).","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh; existing YES BANK credit cardholders not eligible. Applied for through BankBazaar.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/finbooster-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://gokiwi.in/blog/yes-bank-credit-cards","https://www.bankbazaar.com/credit-card/yes-bank-lifetime-free-credit-card.html","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["networks","point_value","lounge_domestic"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: confirms lifetime free (zero first-year and renewal fee), 5X/3X accelerated points and fuel waiver cap Rs 100. New from the page: the base rate of 2 points per Rs 200, the accelerated categories and MCCs (online dining 10 points, online grocery/apparel 6 points), the exclusion list, eligibility and the CreditStrong report. Network: the page defines its categories 'as defined by VISA', and the bank's e-welcome-kit index lists 'Finbooster Credit Card' and 'FinBooster RuPay Credit Card' as separate cards, so the physical card is recorded as Visa with a RuPay variant; this is an inference and stays in unverified_fields. No lounge benefit is mentioned on the page. The page does not state the forex markup; 3.4% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. BankBazaar's own FinBooster page could not be fetched. A non-RuPay physical variant may exist; network unconfirmed. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":689,"depth":"full","slug":"yes-bankbazaar-finbooster-credit-card","url":"https://m16s.in/cards/yes-bankbazaar-finbooster-credit-card/"},{"issuer":"Yes Bank","card_name":"YES BANK Niyo Credit Card","cobrand_partner":"Niyo","networks":[],"segment":"entry","card_type":["travel","cobrand","lifetime-free","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero first-year and renewal membership fee (issuer page; MITC: nil).","welcome_benefit":null,"reward_currency":"Niyo Coins","base_earn":"2 coins per Rs 100 on POS spends","base_return_pct":0.2,"accelerated_earn":"4 coins per Rs 100 online; 5 coins per Rs 100 on spends through the Niyo app","reward_caps":null,"reward_exclusions":"No Niyo Coins on international transactions, nor on fuel, rent, wallet loads, government services, utilities, telecommunication equipment and services, education, jewellery, POI funding, automated cash disbursal, tolls and bridges (issuer page).","point_value":"Aggregator: 1 Niyo Coin = Rs 0.10","points_expiry":null,"reward_notes":"base_return_pct left null: the issuer page gives neither the Niyo Coin earn rate nor the coin value; both are from one aggregator (2 coins per Rs 100 x Rs 0.10 = 0.2% indicative). International transactions earn no coins, so the zero forex markup comes without rewards.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None","lounge_international":"None","lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 500-4,000 transactions (issuer page); cap Rs 250 per statement per aggregator","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Applied for through Niyo.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/niyo-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/niyo-credit-card/"],"source_quality":"mixed","unverified_fields":["networks","base_earn","accelerated_earn","point_value","fuel_surcharge_waiver","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: confirms lifetime free, zero forex markup (stated on the page and in its title), the 1% fuel waiver on Rs 500-4,000 transactions and eligibility. New: Niyo Coins are not given on international transactions or on the listed categories. The page does not give coin earn rates, coin value, the fuel waiver cap or the network; those remain aggregator values or blank. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Zero forex markup and no DCC charge per the MITC; this is the card's main draw.","id":690,"depth":"full","slug":"yes-bank-niyo-credit-card","url":"https://m16s.in/cards/yes-bank-niyo-credit-card/"},{"issuer":"Yes Bank","card_name":"AI Inside Credit Card","cobrand_partner":null,"networks":["RuPay"],"segment":"entry","card_type":["cashback","lifetime-free"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero first-year and renewal fees (issuer page; MITC: nil). The RuPay virtual twin is also free.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":null,"base_return_pct":null,"accelerated_earn":"Up to 3% assured cashback on spends (issuer page; categories, tiers and caps not disclosed)","reward_caps":null,"reward_exclusions":"Cashback not applicable on EMI transactions, fuel, fees and charges (issuer page).","point_value":null,"points_expiry":null,"reward_notes":"base_return_pct not computed: the issuer states only 'up to 3% assured cashback' with no base rate.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":0.0,"fuel_surcharge_waiver":"1% on Rs 400-5,000 transactions, cap Rs 750 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"Waived for AI Inside (MITC); interest applies","eligibility":"Age 21-60; only for employees of specific corporates that have a tie-up with the bank's service provider; holders of any other YES BANK credit card are not eligible. The AI Inside RuPay virtual card is for existing AI Inside cardholders.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/ai-inside-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/blog/yes-bank-launches-ai-inside-credit-card/"],"source_quality":"primary","unverified_fields":["networks","base_earn","lounge_domestic"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: the AI Inside and AI Inside RuPay pages confirm lifetime free, zero foreign currency markup, a 1% fuel surcharge waiver and 'up to 3% assured cashback', and add that the card is offered only to employees of specific tied-up corporates. The physical card's network is not stated; a RuPay virtual twin for UPI is confirmed, so networks stays in unverified_fields as possibly incomplete. No base cashback rate, cap or lounge benefit is stated. The launch date in the earlier notes is from an aggregator blog. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 50,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 50,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Zero forex markup and no DCC charge per the MITC. Launched around Apr 2026. The MITC lists 'AI Inside' and 'AI Inside RuPay Virtual'; the physical card's network and any partner are not stated in the sources read.","id":691,"depth":"fees-only","slug":"yes-ai-inside-credit-card","url":"https://m16s.in/cards/yes-ai-inside-credit-card/"},{"issuer":"Yes Bank","card_name":"Novio Credit Card","cobrand_partner":"Novio","networks":["Mastercard","RuPay"],"segment":"entry","card_type":["cobrand","lifetime-free","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero first-year and renewal membership fee, for both the Mastercard and the RuPay virtual card (issuer pages; MITC: nil).","welcome_benefit":null,"reward_currency":"novio coins","base_earn":"5 novio coins per Rs 100 on POS, e-commerce and other-app UPI transactions above Rs 2,000","base_return_pct":null,"accelerated_earn":"RuPay virtual card: up to 10 coins per Rs 100 on travel and on UPI above Rs 2,000 through the novio app; 3 coins per Rs 100 on UPI of Rs 2,000 or less through the novio app","reward_caps":null,"reward_exclusions":"No novio coins on real estate/rentals, wallets, gambling, political organisations, securities/brokers, educational services, utilities and telecom, insurance, gift shops, railways, financial institutions and cash, tolls and bridges, tax payments, marketing and advertising, money orders (issuer page; indicative MCC list).","point_value":"Redeemed inside the novio app for rewards, offers, vouchers or partner benefits; rupee value per coin not stated; non-transferable","points_expiry":null,"reward_notes":"base_return_pct not computed: the issuer states 5 coins per Rs 100 but not what a coin is worth. Refunds and reversals claw back coins and milestone progress.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":"None stated on the product page; the issuer FAQ says lounge benefits are not applicable on the RuPay virtual card. The MITC lists a quarterly spend threshold for this card.","lounge_international":null,"lounge_conditions":"Needs Rs 50,000 spend in the previous calendar quarter (MITC).","forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 250 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Applied for through novio. The RuPay virtual card is only for existing novio cardholders.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/novio-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.pickmywork.com/novio-credit-card-review-2026/"],"source_quality":"primary","unverified_fields":["lounge_domestic"],"date_read":"2026-10-31","notes":"Issuer product page read 12 Oct 2026: the novio and novio RuPay pages are live, so status 'open' is confirmed. New from the pages: co-brand partner is novio; the physical card is a Mastercard (the RuPay page's FAQ calls it 'the novio Mastercard Credit Card') with a virtual-only RuPay twin; 5 novio coins per Rs 100, up to 10 on the RuPay card; the exclusion list; income-based eligibility; fuel waiver on Rs 500-3,000 transactions with a Rs 250 cap (matches the catalog). The earlier notes' suggestion that the card might be FD-backed (from other banks' Novio cards) is not supported: the page lists salary/ITR criteria and no deposit; 'Credilio' was an aggregator attribution and is not on the page. The pages say foreign currency conversion charges apply but give no rate; 3.5% stays unverified. || Earlier notes: Present in the YES Bank MITC (with a RuPay virtual variant) but no YES Bank-specific product detail was found. Novio is Credilio's FD-backed card brand, documented publicly on SBM Bank and DCB Bank; whether the YES Bank version is also FD-backed is not confirmed. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":692,"depth":"full","slug":"yes-novio-credit-card","url":"https://m16s.in/cards/yes-novio-credit-card/"},{"issuer":"Yes Bank","card_name":"Max Credit Card","cobrand_partner":"KreditPe","networks":[],"segment":"entry","card_type":["lifetime-free","rewards","upi"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Lifetime free: zero first-year and renewal membership fee (issuer page; MITC: nil).","welcome_benefit":null,"reward_currency":"Cashback points (redeemed in the KreditPe app)","base_earn":"5% rewards, issued as cashback points, on eligible POS and online transactions","base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":"No reward points on real estate/rentals, wallets, government, gambling, securities/brokers, educational services, utilities and telecom, insurance, railways, tolls and bridges, marketing and advertising, financial institutions and cash, wire transfers, agriculture, contract services, fuel (issuer page; indicative MCC list).","point_value":"Cashback points redeemable in the KreditPe app; rupee value per point not stated","points_expiry":null,"reward_notes":"base_return_pct not computed: the issuer states '5% rewards on eligible POS/Online transactions' issued as cashback points, but not what a point is worth or whether there is a cap. If a point is worth Rs 1 the return on eligible spends is 5%.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Existing YES BANK credit cardholders not eligible; no age or income criteria on the page.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/max-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":[],"source_quality":"primary","unverified_fields":["networks","cobrand_partner","lounge_domestic","fuel_surcharge_waiver"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: first product detail for this card. The page describes a lifetime-free card for 'the digital-first consumer' with 5% rewards on eligible POS/online transactions (issued as cashback points redeemable in the KreditPe app), UPI convenience and a foreign currency markup of 3.50% (stated on the page; matches the catalog and is now confirmed). cobrand_partner is set to KreditPe because rewards are redeemed in that app, but the page does not call the card co-branded, so it stays in unverified_fields. The network is not stated ('convenience of UPI' suggests a RuPay card or twin). No lounge or fuel-waiver benefit is mentioned. || Earlier notes: Named only in the YES Bank MITC fee and forex tables. No partner, reward or benefit detail was found anywhere. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card.  Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.","id":693,"depth":"full","slug":"yes-max-credit-card","url":"https://m16s.in/cards/yes-max-credit-card/"},{"issuer":"Yes Bank","card_name":"YES First Preferred","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["rewards","travel"],"status":"closed-to-new","joining_fee":999,"annual_fee":999,"fee_waiver_spend":250000,"fee_notes":"No longer issued to new customers. First year Rs 999 waived on Rs 50,000 retail spend within three months of card set-up; renewal Rs 999 waived on Rs 2.5 lakh retail spend in the 12 months before renewal. NRI and FD variants exist.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":"8 reward points per Rs 200 on all categories except select categories","base_return_pct":1.0,"accelerated_earn":"4 points per Rs 200 on select categories (from 15 Jun 2026: taxis, bus lines, utilities, grocery and miscellaneous food stores)","reward_caps":"MITC: utility earn capped at 300 points per cycle; flights/hotels redemption max 1,00,000 points a month.","reward_exclusions":"No points on rent, wallet, fuel, cash withdrawals, Post Purchase EMI and Instant EMI, government, marketing/advertising and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).","point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 4 points per Rs 100 x Rs 0.25 = 1.0%.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"Spend-gated; visit count not found","lounge_international":null,"lounge_conditions":"Needs Rs 75,000 spend in the previous calendar quarter (MITC).","forex_markup_pct":2.0,"fuel_surcharge_waiver":"1% on Rs 500-5,000 transactions, cap Rs 250 per statement","milestone_benefits":null,"other_freebies":"Green-fee waiver on golf rounds (count not stated); 25% discount offer on BookMyShow; Instant EMI at partner stores. NRI variant page also lists medical emergency cover of Rs 25 lakh.","interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Closed to new applicants; existing cardholders get a replacement card on expiry. NRI variant criteria: age 21-60, net salary Rs 2 lakh a month or ITR Rs 18 lakh, and an NRE/NRO fixed deposit with the bank.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-first/cards/credit-card/yes-first-preferred-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://www.paisabazaar.com/yes-bank/yes-bank-credit-card-reward-points/","https://cardinsider.com/yes-bank/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["lounge_domestic","forex_markup_pct","point_value","base_return_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: confirms 'Issuance of YES First Preferred Credit card for new customers has been discontinued' (closed-to-new), 8 points per Rs 200 (4 on select categories), the 300-point utility cap, the Rs 999 renewal fee waived on Rs 2.5 lakh and fuel waiver cap Rs 250. New: first-year fee Rs 999 (joining_fee was null), the exclusion list, golf and movie benefits. Interest 3.99% a month, 2.49% against FD or for NRI. Forex markup: the page does not state the current rate; its footnote says only that 1.75% applied before 15 Jun 2026. 1.75% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. Lounge access is referred to in the page terms but no counts are given. The NRI page for this card was also read and is consistent. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (1.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (1.75% then 2.0%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":694,"depth":"full","slug":"yes-first-preferred","url":"https://m16s.in/cards/yes-first-preferred/"},{"issuer":"Yes Bank","card_name":"YES Prosperity Rewards","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["rewards"],"status":"closed-to-new","joining_fee":null,"annual_fee":399,"fee_waiver_spend":25000,"fee_notes":"No longer sourced (MITC). Annual Rs 399 waived on Rs 25,000 spend in 12 months.","welcome_benefit":null,"reward_currency":"YES Rewardz points","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":"MITC: utility earn capped at 150 points per cycle.","reward_exclusions":null,"point_value":"Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit","points_expiry":"3 years from earning","reward_notes":"Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the MITC itself only fixes the caps. Current earn rate not found.","transfer_partners":["Air India Maharaja Club"],"transfer_ratio":"10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points","lounge_domestic":"None found","lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/","https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html"],"source_quality":"mixed","unverified_fields":["base_earn","forex_markup_pct","point_value"],"date_read":"2026-10-11","notes":"MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure.  12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":695,"depth":"fees-only","slug":"yes-prosperity-rewards","url":"https://m16s.in/cards/yes-prosperity-rewards/"},{"issuer":"Yes Bank","card_name":"YES Prosperity Cashback Plus","cobrand_partner":null,"networks":null,"segment":"entry","card_type":["cashback"],"status":"closed-to-new","joining_fee":1499,"annual_fee":1499,"fee_waiver_spend":null,"fee_notes":"Rs 1,499 joining and annual per the MITC; no spend waiver listed. Aggregators mark the Prosperity Cashback cards as discontinued for new applicants.","welcome_benefit":null,"reward_currency":"Cashback","base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":null,"transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":null,"source_product_page":null,"source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/"],"source_quality":"mixed","unverified_fields":["status","base_earn","forex_markup_pct"],"date_read":"2026-10-11","notes":"Cashback rates not found in a readable source. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure.  12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":696,"depth":"fees-only","slug":"yes-prosperity-cashback-plus","url":"https://m16s.in/cards/yes-prosperity-cashback-plus/"},{"issuer":"Yes Bank","card_name":"YES Prosperity Cashback","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["cashback"],"status":"closed-to-new","joining_fee":999,"annual_fee":999,"fee_waiver_spend":null,"fee_notes":"No longer issued to new customers. First year Rs 999 and renewal Rs 999; no spend waiver on the page.","welcome_benefit":"Welcome cashback of Rs 250.","reward_currency":"Cashback","base_earn":"0.50% cashback on all other spends except fuel","base_return_pct":0.5,"accelerated_earn":"5% cashback on movies and grocery (transactions above Rs 500; otherwise 0.5%) and on utility bill payments made through Auto Pay","reward_caps":"5% on movies and grocery capped at Rs 100 per statement cycle; 5% on auto-pay utility bills capped at Rs 100 per cycle; 0.5% utility cashback capped at Rs 750 per cycle, with nothing on utility spends beyond Rs 15,000 in a cycle.","reward_exclusions":"No cashback on fuel, government, marketing/advertising, cash advance fee and charges, lounge charges, EMI on Call and Instant EMI (issuer page).","point_value":"Rupee cashback","points_expiry":null,"reward_notes":"base_return_pct = issuer-stated 0.50% rupee cashback on general spends. The 5% tiers are worth at most Rs 100 a cycle each.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 500-3,000 transactions, cap Rs 100 per statement","milestone_benefits":null,"other_freebies":null,"interest_rate_monthly_pct":3.99,"late_payment_fee":"Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement","cash_advance_fee":"2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit","eligibility":"Closed to new applicants; existing cardholders get a replacement card on expiry.","source_product_page":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/yes-prosperity-cashback-credit-card","source_mitc_or_tnc":"https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf","source_other":["https://cardinsider.com/yes-bank/"],"source_quality":"primary","unverified_fields":["forex_markup_pct"],"date_read":"2026-10-12","notes":"Issuer product page read 12 Oct 2026: confirms 'Issuance of YES Prosperity Cashback Credit Card for new customers has been discontinued' (status closed-to-new, previously from aggregators). New from the page: 5% cashback on movies, grocery and auto-pay utility bills, 0.5% on other spends, the caps, the Rs 250 welcome cashback and fuel waiver cap Rs 100. Confirms the Rs 999 fees. Forex markup: the page does not state the current rate; its footnote says only that 3.40% applied before 15 Jun 2026. 3.40% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. || Earlier notes: Cashback rates not found in a readable source. MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.","id":697,"depth":"full","slug":"yes-prosperity-cashback","url":"https://m16s.in/cards/yes-prosperity-cashback/"},{"issuer":"Yes Bank","card_name":"YES BANK Zaggle Corporate Credit Card","cobrand_partner":"Zaggle","networks":[],"segment":"mid","card_type":["business","cobrand","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual membership fee (first year and renewal). Corporate-liability card; minimum amount due is 100% of the total due; interest-free period 50 days.","welcome_benefit":null,"reward_currency":"Reward Points (YES Rewardz)","base_earn":"6 reward points per Rs 200 (the page says 'across all categories' in one place and 'on select categories' in another)","base_return_pct":null,"accelerated_earn":"None; a lower 2 points per Rs 200 tier applied to select merchants and is withdrawn from 15 Jul 2026 (no points on those merchants)","reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"base_return_pct not computed: no rupee value per point is stated. Rewards are 'available on select cards' per the page.","transfer_partners":[],"transfer_ratio":"The page still advertises 10 reward points = 1 InterMile / 1 Club Vistara point; both programmes have closed, so treat as stale.","lounge_domestic":"Complimentary domestic airport lounge visits (count not stated)","lounge_international":"Complimentary international airport lounge visits (count not stated)","lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 transactions, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Corporate name embossing; MCC, merchant and limit controls; dedicated Corporate Assist Desk.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Per statement, by statement balance: under Rs 101 nil; Rs 101-500 Rs 100; Rs 501-5,000 Rs 500; Rs 5,001-20,000 Rs 750; above Rs 20,000 Rs 1,000","cash_advance_fee":"2.5% or Rs 300, whichever is higher; cash limit 20% of credit limit, only on corporate request","eligibility":"Corporates, through YES BANK corporate banking (request-a-callback form); no published criteria.","source_product_page":"https://www.yes.bank.in/corporate-banking/products-and-services/credit-card/yes-first-cobrand-corporate-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["segment","networks"],"date_read":"2026-10-12","notes":"New entry created from the issuer page read 12 Oct 2026 (URL slug 'yes-first-cobrand-corporate-credit-card'; page headed 'YES BANK Zaggle Corporate Credit Card'). Co-branded with Zaggle Prepaid Ocean Services. Foreign currency conversion charge 3.50%; separate dynamic currency conversion fee 1.5% on DCC spends. Rental and wallet transactions carry a 1% fee; rent capped at 3 transactions per 30 days. No over-limit fee; card reissue and duplicate statements free. Network not stated (page mentions both MasterCard SecureCode and Verified by Visa). segment is a placeholder for a corporate card. This is a different product from the consumer Zagg RuPay card. The commercial-card MITC was not read.","id":741,"depth":"partial","slug":"yes-bank-zaggle-corporate-credit-card","url":"https://m16s.in/cards/yes-bank-zaggle-corporate-credit-card/"},{"issuer":"Yes Bank","card_name":"YES First Corporate Credit Card","cobrand_partner":null,"networks":[],"segment":"mid","card_type":["business","rewards"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual membership fee (first year and renewal). Corporate-liability card; minimum amount due is 100% of the total due; interest-free period 50 days.","welcome_benefit":null,"reward_currency":"Reward Points (YES Rewardz)","base_earn":"6 reward points per Rs 200 across all categories except fuel","base_return_pct":null,"accelerated_earn":"None; a lower 2 points per Rs 200 tier applied to select merchants and is withdrawn from 15 Jul 2026 (no points on those merchants)","reward_caps":null,"reward_exclusions":"Fuel; from 15 Jul 2026 also spends at select merchants.","point_value":null,"points_expiry":null,"reward_notes":"Reward redemption fee nil. base_return_pct not computed: no rupee value per point is stated.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":"1% on Rs 400-5,000 transactions, cap Rs 500 per statement cycle","milestone_benefits":null,"other_freebies":"Dedicated Corporate Assist Desk; online expense tracking tools.","interest_rate_monthly_pct":3.75,"late_payment_fee":"Per statement, by statement balance: under Rs 101 nil; Rs 101-500 Rs 100; Rs 501-5,000 Rs 500; Rs 5,001-20,000 Rs 750; above Rs 20,000 Rs 1,000","cash_advance_fee":"2.5% or Rs 300, whichever is higher; cash limit 20% of credit limit, only on corporate request","eligibility":"Corporates, through YES BANK corporate banking; no published criteria.","source_product_page":"https://www.yes.bank.in/corporate-banking/products-and-services/credit-card/yes-first-corporate-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["segment","networks"],"date_read":"2026-10-12","notes":"New entry created from the issuer page read 12 Oct 2026. Foreign currency conversion charge 3.50%; separate dynamic currency conversion fee 1.5% on DCC spends. Rental transactions carry a 1% fee and are capped at 3 per 30 days. No over-limit fee; card reissue Rs 100; duplicate statement Rs 100. No lounge benefit or network is stated on the page. segment is a placeholder for a corporate card. The commercial-card MITC was not read.","id":742,"depth":"partial","slug":"yes-first-corporate-credit-card","url":"https://m16s.in/cards/yes-first-corporate-credit-card/"},{"issuer":"Yes Bank","card_name":"YES Prosperity Purchase Credit Card","cobrand_partner":null,"networks":[],"segment":"entry","card_type":["business"],"status":"open","joining_fee":0,"annual_fee":0,"fee_waiver_spend":null,"fee_notes":"Nil joining and annual fee. Minimum amount due is 100% of the total due.","welcome_benefit":null,"reward_currency":null,"base_earn":null,"base_return_pct":null,"accelerated_earn":null,"reward_caps":null,"reward_exclusions":null,"point_value":null,"points_expiry":null,"reward_notes":"No reward programme is mentioned on the page.","transfer_partners":[],"transfer_ratio":null,"lounge_domestic":null,"lounge_international":null,"lounge_conditions":null,"forex_markup_pct":3.5,"fuel_surcharge_waiver":null,"milestone_benefits":null,"other_freebies":"Individual statement per cardholder, consolidated statement for the programme administrator, single payment across all purchase cards in a relationship, Corporate Assist Desk.","interest_rate_monthly_pct":3.75,"late_payment_fee":null,"cash_advance_fee":null,"eligibility":"Corporates, through YES BANK corporate banking; no published criteria.","source_product_page":"https://www.yes.bank.in/corporate-banking/products-and-services/credit-card/yes-prosperity-purchase-credit-card","source_mitc_or_tnc":null,"source_other":[],"source_quality":"primary","unverified_fields":["segment","networks"],"date_read":"2026-10-12","notes":"New entry created from the issuer page read 12 Oct 2026. A purchasing card for business payments. 'Foreign Currency Markup Rate is 3.50%'; separate dynamic currency conversion fee 1.5% on DCC spends. Finance charges 3.75% a month (45% a year) from the transaction date, on a revolving or non-revolving cycle as set in the corporate agreement. Late fee, cash advance fee, lounge, fuel waiver and network are not stated on the page. segment is a placeholder for a corporate card. The commercial-card MITC was not read.","id":743,"depth":"fees-only","slug":"yes-prosperity-purchase-credit-card","url":"https://m16s.in/cards/yes-prosperity-purchase-credit-card/"}]}