Rankings & Decision Engine
Set your month. We run it through every schedule and rank the cards in rupees, after the annual fee.Your month
₹1,02,500
₹12,30,000 a year
Dining ₹25,000
Travel & Airlines ₹15,000
Online Shopping ₹35,000
Grocery ₹12,500
Fuel ₹5,000
Utilities ₹10,000
Nothing is stored — this runs in your browser and resets when you leave. Caps are applied monthly, fees deducted annually, lounge value excluded.
What each card pays you
net of annual fee₹12,500
4.2% effective
Fee Waiver Math ₹66,000 + GST | Lifetime | No fee waiver available
Reward Rate 1 MR Point per ₹40 (base ~0.5%) | 3X on foreign spends | Up to 20X on 20+ luxury brands via Rewards Xcelerator
₹12,000
4.2% effective
Fee Waiver Math ₹495 + GST | Waived on ₹40,000 annual spend
Reward Rate 10X MR on Zomato/Flipkart/Uber/BookMyShow/Others (500 pts/month cap) | 5X MR on Amazon (250 pts/month cap) | 1 MR per ₹50 on everything else
₹11,500
4.2% effective
Fee Waiver Math ₹199 + GST | Waived: Year 1 on ₹10,000 spend in 90 days; Year 2+ on ₹40,000 spend in previous anniversary year
Reward Rate 2% cashback on groceries, departmental stores, utility bills (₹50/statement cycle cap) | 1% cashback on other retail spends (₹50/statement cycle cap)
₹11,000
4.2% effective
Fee Waiver Math N/A
Reward Rate 5% Cashback on partner merchants
₹10,500
4.2% effective
Fee Waiver Math ₹500 - ₹2,500 (Varies by variant)
Reward Rate 1-2% Rewards (varies by variant)
₹10,000
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1-2% Rewards (varies by variant)
₹9,500
4.2% effective
Fee Waiver Math ₹2,500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹9,000
4.2% effective
Fee Waiver Math ₹999 + GST (Often Lifetime Free under promotional offers, waived on ₹1 Lakh annual spend)
Reward Rate 10 RPs per ₹100 on ixigo train/flight bookings (2.5% return), 2X online (0.5%), 1X offline (0.25%)
₹8,500
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 RP per ₹100 spends (0.25%), expandable to 10X via paid packs (₹299/quarter)
₹8,000
4.2% effective
Fee Waiver Math ₹500 + GST | Waived on ₹1,00,000 annual spend
Reward Rate 5% instant discount on Myntra (capped ₹750/transaction, ₹1,000/month) | 5% cashback on Swiggy/Zomato/BigBasket/Cleartrip (capped ₹100/month overall)
₹7,500
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1.5% reward points on online spends | 1% on travel | Base reward points on other spends
₹7,000
4.2% effective
Fee Waiver Math ₹2,999 + GST | Year 1 waived on ₹40,000 spend in 90 days; Year 2+ waived on ₹1,50,000 annual spend
Reward Rate 4 RP/₹100 on Grocery & Departmental (1%), 2 RP/₹100 on other retail (0.5%), 1 RP/₹100 on Insurance/Utility/Telecom (0.25%)
₹6,500
4.2% effective
Fee Waiver Math ₹7,999 + GST (Waived on ₹5,00,000 annual spend)
Reward Rate 5 RPs/₹100 on Dining/Intl/Grocery/Dept (5.0%); 3 RPs/₹100 other retail; 1 RP/₹100 Insurance/Utility/Telecom
₹6,000
4.2% effective
Fee Waiver Math ₹499 (Waived on ₹2,00,000 annual spend)
Reward Rate 5% cashback on GPay utility bills/recharges (cap ₹500/month); 4% on Swiggy/Zomato/Ola (cap ₹500/month combined); 1.5% base on other retail
₹5,500
4.2% effective
Fee Waiver Math ₹500 (Waived on ₹2,00,000 annual spend)
Reward Rate 25% cashback on Airtel Mobile/Broadband/WiFi/DTH via Thanks App; 10% on Utility bills & Preferred Partners (Zomato/Blinkit/District Movies) via Thanks App; 1% base on other spends
₹5,000
4.2% effective
Fee Waiver Math ₹5,000 + GST (Waived on ₹15,00,000 annual spend via Platinum tier)
Reward Rate 5 EDGE Miles/₹100 on Travel EDGE portal/airlines/hotels (capped ₹2L monthly); 2 EDGE Miles/₹100 base on other spends
₹4,500
4.2% effective
Fee Waiver Math ₹1,000 + GST (Waived on ₹4,00,000+ anniversary-year spend)
Reward Rate Up to 7% cashback on online spends (tiered ₹4,000/month cap), 0.75% offline & travel
₹4,000
4.2% effective
Fee Waiver Math ₹0 + GST (Lifetime Free)
Reward Rate 3% on food delivery, entertainment & local commute; 1% on other spends
₹3,500
4.2% effective
Fee Waiver Math ₹500 + GST (Waived on ₹3,50,000 annual spend)
Reward Rate 7.5% on Myntra; 5% on Flipkart & Cleartrip; 4% on Preferred Merchants; 1% on others
₹3,000
4.2% effective
Fee Waiver Math ₹500 (Waived on ₹2,00,000 annual spend, excluding rent/wallet)
Reward Rate 12 SuperCoins/₹100 on Flipkart for Plus members (cap 300 SC/transaction); 6 SC/₹100 for non-Plus (cap 150 SC/transaction); 2 SC/₹100 on other retail
₹2,500
4.2% effective
Fee Waiver Math ₹250 + GST (1st Year Free)
Reward Rate 1 EDGE Reward Point per transaction + Monthly milestone bonuses
₹2,000
4.2% effective
Fee Waiver Math Lifetime Free (₹0 + GST)
Reward Rate 1 Star per ₹500 base (0.2% value); up to 8X Booster (1.6% value) on ≥₹30K monthly spend; capped at 1,500 Stars/cycle
₹1,500
4.2% effective
Fee Waiver Math ₹3,000 + GST (Waived for Axis Burgundy customers opened on/after July 1, 2026)
Reward Rate 2 EDGE Miles per ₹100 (2% return), 5 EDGE Miles per ₹100 on Travel EDGE & airlines (5%)
₹1,000
4.2% effective
Fee Waiver Math 1st Year Nil, ₹500 + GST from 2nd year onwards (Waived on ₹3,50,000 annual spend)
Reward Rate 20 EDGE Points/₹100 (4% value back) at IOCL fuel outlets (capped ₹5,000/settlement/month); 5 EDGE Points/₹100 (1% value back) on online shopping (capped ₹5,000/month); 1 EDGE Point/₹100 (0.5%) on other eligible spends
₹500
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining, ₹0 annual — no spend condition)
Reward Rate 20 EDGE Points/₹100 (4% value back) at IOCL fuel outlets (₹5,000/month cap); 5 EDGE Points/₹100 (1%) on online shopping (₹5,000/month cap); 1 EDGE Point/₹100 (0.5%) on other eligible spends
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST (Waived on ₹30,000 annual spend — easily achievable)
Reward Rate 6 EDGE MILES per ₹150 (4% value back) at IOCL fuel outlets up to ₹15,000/month; 2 EDGE MILES per ₹150 (1.33%) on grocery & supermarket up to ₹5,000/month; 1 EDGE MILE per ₹150 (0.67%) base
₹0
4.2% effective
Fee Waiver Math ₹799 + GST (No spend-based waiver)
Reward Rate 3 IndiGo BluChips/₹100 (3%) on IndiGo channels; 2 BluChips/₹100 (2%) on groceries and dining; 1 BluChip/₹100 (1%) base on all other spends
₹0
4.2% effective
Fee Waiver Math ₹5,000 + GST (No spend-based waiver; requires ₹6L+ annual income)
Reward Rate 7 IndiGo BluChips/₹100 (7%) on IndiGo channels; 3 BluChips/₹100 (3%) on groceries and hotel; 2 BluChips/₹100 (2%) base on all other spends
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining, ₹0 annual — no spend condition)
Reward Rate 2 EDGE REWARD Points per ₹200 (1% effective value back) on domestic and international retail; 11 categories earn 0 points
₹0
4.2% effective
Fee Waiver Math Nil (Lifetime Free)
Reward Rate 1 RP per ₹100 base (1%); 2 RP per ₹100 on LIC Premium & Foreign Currency (2%)
₹0
4.2% effective
Fee Waiver Math Nil (Lifetime Free)
Reward Rate 1 RP per ₹100 base (1%); 2 RP per ₹100 on LIC Premium & Foreign Currency (2%)
₹0
4.2% effective
Fee Waiver Math ₹12,500 + GST (Waived on ₹25 Lakhs annual spend)
Reward Rate 12 EDGE Points/₹200 up to ₹1.5L/month, 35 EDGE Points/₹200 above ₹1.5L/month
₹0
4.2% effective
Fee Waiver Math World: ₹3,500 + GST | World Select: ₹10,000 + GST joining, ₹4,500 + GST annual (waived for HON/Senator status)
Reward Rate World: 4 Award Miles per ₹200 | World Select: 6 Award Miles per ₹200 (Miles & More — Lufthansa program)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (Waived on ₹1.5 Lakhs annual spend)
Reward Rate 4 EDGE Points per ₹200 (0.4% return)
₹0
4.2% effective
Fee Waiver Math Y1: Nil | Y2 onwards: ₹250 (Lifetime Free for select* channels; not valid for existing Axis cardholders)
Reward Rate 1 EDGE REWARDS point per ₹200 (0.5% effective return) + strong coupon rewards (Zomato ₹120, Paytm 5%, Blinkit/BookMyShow 10%, Cleartrip discounts)
₹0
4.2% effective
Fee Waiver Math ₹250 + GST (Waived on ₹20,000 annual spend)
Reward Rate 4 EDGE Points per ₹200 (~0.5% cash value)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (1st year free, waived on ₹40,000 annual spend)
Reward Rate 8 EDGE Points per ₹200 (~1% cash value)
₹0
4.2% effective
Fee Waiver Math ₹1,500 (waived on ₹2.5L annual spend)
Reward Rate 5 EDGE REWARD Points per ₹100 (2.5% on vouchers)
₹0
4.2% effective
Fee Waiver Math ₹50,000 + GST (Waived on ₹25 Lakhs annual spend)
Reward Rate 15 EDGE Points per ₹200 (1.5% base, 3% on international)
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST (Waived on ₹2 Lakhs annual spend)
Reward Rate 2 EDGE Points per ₹125 (0.32% base, 10X on apparel = 3.2%)
₹0
4.2% effective
Fee Waiver Math ₹5,000 (waived on ₹7L annual spend)
Reward Rate 5 EDGE REWARDS per ₹100; 15 EDGE on preferred partners & intl; 10% cashback on Samsung
₹0
4.2% effective
Fee Waiver Math ₹500 (waived on ₹2L annual spend)
Reward Rate 5 EDGE REWARDS per ₹100; 10 EDGE on preferred partners; 10% cashback on Samsung
₹0
4.2% effective
Fee Waiver Math ₹3,000 + GST (₹8 Lakhs annual spend waived; complimentary for Burgundy customers)
Reward Rate 10 EDGE Points per ₹200 (0.5% base), 2X on Retail Shopping up to ₹20K/month
₹0
4.2% effective
Fee Waiver Math ₹500 (Waived on ₹1 Lakh annual spend)
Reward Rate 2 First Citizen points per ₹200 (0.25% base), 10X on SS Private Label (2.5%), 6X on Beauty/Brands (1.5%)
₹0
4.2% effective
Fee Waiver Math ₹2,000 (from Year 2 onwards — no spend waiver)
Reward Rate Up to 28 SpiceClub Points per ₹200 on SpiceJet; 12 on online food/bill/entertainment; 6 base
₹0
4.2% effective
Fee Waiver Math ₹750 (Nil in Year 1; no spend waiver from Year 2)
Reward Rate Up to 18 SpiceClub Points per ₹200 on SpiceJet; 6 on online food/bill/entertainment; 3 base
₹0
4.2% effective
Fee Waiver Math ₹1,500 + GST (No explicit fee waiver disclosed)
Reward Rate 2 Maharaja Points per ₹200 (1% base), up to 3 Economy ticket vouchers/year on milestones
₹0
4.2% effective
Fee Waiver Math ₹10,000 + GST (No explicit fee waiver disclosed)
Reward Rate 6 Maharaja Points per ₹200 (3% base), up to 4 Business class ticket vouchers on milestones
₹0
4.2% effective
Fee Waiver Math ₹3,000 + GST (No spend-based waiver disclosed)
Reward Rate 4 Maharaja Points per ₹200 (≈2% return); up to 4 milestone Premium Economy ticket vouchers
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free, FD-backed variant)
Reward Rate 1 Reward Point per ₹150 (≈0.67% on statement credit; ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹150 (≈0.67% on statement credit; ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹150 (≈0.67% on statement credit; ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST (renewal on anniversary year)
Reward Rate 1 Reward Point per ₹100 (≈0.25% on statement credit); 1.5% on online spends
₹0
4.2% effective
Fee Waiver Math ₹500 (waived on ₹50,000 anniversary-year spend; Zero joining fee)
Reward Rate 1 Reward Point per ₹100 (≈0.25% on cashback redemption); 5X on Utility (MCC 4900, capped 1,000 RP/cycle)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free; legacy co-brand card)
Reward Rate 1 Reward Point per ₹100 (≈0.25% on statement credit); 5X on E-Zone online purchases
₹0
4.2% effective
Fee Waiver Math ₹499 (waived on ₹50,000 anniversary-year spend)
Reward Rate 5% effective at HPCL outlets (24 RP/₹150 = 4% + 1% surcharge waiver); 2% at utility/departmental stores; 0.67% elsewhere
₹0
4.2% effective
Fee Waiver Math ₹499 (waiver not specified)
Reward Rate 1 Reward Point per ₹150 spent (≈0.67% on statement credit, after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹4,999 (waiver not specified)
Reward Rate 1 Reward Point per ₹150 spent (≈0.67% on statement credit, after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹150 (≈0.67% on statement credit, after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹250 (waiver not specified)
Reward Rate 1 Reward Point per ₹150 (≈0.67% on statement credit, after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after fees)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after fees)
₹0
4.2% effective
Fee Waiver Math ₹750 (waived on ₹70,000 annual spend; joining fee waived on ₹7,500 in first 60 days)
Reward Rate 5X (5 RP/₹100) on online + dining (capped 1,000 RP/cycle); 1 RP/₹100 on other spends (1% on cashback at ₹0.20/RP)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after fees)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 on all eligible retail (≈0.25% on cashback after ₹99 redemption fee)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free)
Reward Rate 1 Reward Point per ₹100 retail (fuel/rent excluded); redeemable at ₹0.25/point statement credit
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹10,000 + GST (Waived on ₹8 Lakhs annual spend)
Reward Rate 5 RPs per ₹150 spend (3.3% return), up to 10X on SmartBuy (33.3% return)
₹0
4.2% effective
Fee Waiver Math ₹0 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹0 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹10,000 + GST
Reward Rate 5 Reward Points per ₹150 spend (3.33% base rate, up to 10X on SmartBuy)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 3-5X Reward Points
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 5% Cashback on partner merchants
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1 CashPoint per ₹150 (10X on partner brands)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹250 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹12,500 + GST (Waived on ₹10 Lakhs annual spend)
Reward Rate 5 RPs per ₹150 spend (3.3% return), up to 10X on SmartBuy (33.3% return)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 3-5X Reward Points
₹0
4.2% effective
Fee Waiver Math ₹12,500
Reward Rate 3-5X Reward Points
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST (Waived on ₹1 Lakh annual spend)
Reward Rate 5% cashback on online partners, 1% flat offline spends
₹0
4.2% effective
Fee Waiver Math ₹400 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹0 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹2,500 + GST
Reward Rate 4 points per ₹150 spent
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹2,500 + GST (Waived on ₹3 Lakhs annual spend)
Reward Rate 4 RPs per ₹150 spend (2.7% return on vouchers, 20X on SmartBuy & select partners)
₹0
4.2% effective
Fee Waiver Math ₹2500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹1,499 + GST
Reward Rate 5% NeuCoins on Tata Neu app (1.5% on non-Tata online spends)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math Free
Reward Rate 5% Cashback on partner merchants
₹0
4.2% effective
Fee Waiver Math ₹299 (Waived on ₹50,000 annual spend)
Reward Rate 2 Payback Points per ₹100 retail (4 PB/₹100 on Namma Metro auto-recharge); ₹0.25/point statement credit or Metro Miles recharge
₹0
4.2% effective
Fee Waiver Math ₹500 (no documented waiver path)
Reward Rate 1 Reward Point per ₹100 retail (legacy structure); ₹0.25/point statement credit subject to ₹99 + GST redemption fee
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (no documented annual fee waiver)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return at ₹0.25/point)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (waived on ₹1.5 Lakhs annual spend)
Reward Rate 2 ICICI Reward Points per ₹100 retail (~0.5% return); 1 RP per ₹100 on utility & insurance (~0.25%)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + ₹0 annual)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return at ₹0.25/point)
₹0
4.2% effective
Fee Waiver Math ₹12,500 + GST (no documented annual fee waiver)
Reward Rate 3 ICICI Reward Points per ₹100 offline retail (~0.75% return); 1 RP per ₹100 online/utility (~0.25%)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (Waived on ₹1.5 Lakhs annual spend)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return); 1.5% effective on online shopping; accelerated Domino's Pizza vouchers
₹0
4.2% effective
Fee Waiver Math ₹12,000 + GST (Waived on ₹10 Lakhs annual spend)
Reward Rate 4 ICICI Reward Points per ₹100 on domestic & international (~2% return); 1 RP per ₹100 on utility/insurance (~0.5%)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST (Waived on ₹1.5 Lakhs annual spend)
Reward Rate 3 ICICI Reward Points per ₹100 retail (~0.75% return); 1 RP per ₹100 on utility/insurance (~0.25%)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (Waived on ₹1.5 Lakhs annual spend)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return); 1.5% effective on online shopping; Ferrari merchandise discounts
₹0
4.2% effective
Fee Waiver Math ₹200 (no spend-based waiver documented)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25%); 1.5% on online spends (Finology Select data)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (waived on ₹1.5 Lakh annual spend)
Reward Rate 2 ICICI Reward Points per ₹100 retail (~0.5%); 20 RP per ₹100 on daily essentials capped at 400 RP/month (~5% on utilities/groceries/department stores); 4% cashback on HPCL fuel capped at ₹200/month
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining, ₹0 annual, ₹0 renewal)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25%); 1.5% on online spends (Finology Select data)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining, ₹0 annual, ₹0 renewal)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25%); 1.5% on online spends (Finology Select data)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹999 + GST (waived on ₹3 Lakh annual spend)
Reward Rate 6 myCash on MakeMyTrip hotels; 3 myCash on MMT flight/bus/cab; 1 myCash on other retail (myCash never expires)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + ₹0 annual)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return at ₹0.25/point)
₹0
4.2% effective
Fee Waiver Math ₹1,500 — DISCONTINUED, no waiver threshold
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return at ₹0.25/point)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + ₹0 annual)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return at ₹0.25/point)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + ₹0 annual)
Reward Rate 2 ICICI Reward Points per ₹100 retail (1 RP/₹100 utility/insurance) — ~0.5% return at ₹0.25/point
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + annual fee + GST)
Reward Rate 1.5% on online shopping; 1% on travel; 0.25% on offline retail (1 ICICI Reward Point per ₹100)
₹0
4.2% effective
Fee Waiver Math ₹2,000 + GST (waived on ₹3 Lakhs annual spend)
Reward Rate 2 ICICI Reward Points per ₹100 retail (~0.5% return); 4 RP/₹100 international (~1.0%); 1 RP/₹100 utility & insurance (~0.25%)
₹0
4.2% effective
Fee Waiver Math ₹3,500 + GST (Waived on ₹6 Lakhs annual spend)
Reward Rate 2 ICICI Reward Points per ₹100 retail (~0.5% return); 4 RP/₹100 international (~1.0%); 1 RP/₹100 utility & insurance (~0.25%)
₹0
4.2% effective
Fee Waiver Math ₹2,500 + GST (No documented spend-based waiver on legacy card)
Reward Rate 1 ICICI Reward Point per ₹100 retail (~0.25% return)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining fee + ₹0 annual fee)
Reward Rate 2 Reward Points per ₹100 retail spend (0.5% on statement credit, up to 2% on catalogue)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining fee + ₹0 annual fee) — Card is no longer sourced
Reward Rate 1 Reward Point per ₹100 retail spend (≈0.25% on statement credit)
₹0
4.2% effective
Fee Waiver Math ₹20,000 + GST (waived on ₹25 Lakh annual spend)
Reward Rate 2 RP per ₹100 domestic (0.8% statement / 2% catalogue); 2.5 RP per ₹100 international (1% statement / 2.5% catalogue)
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining fee + ₹0 annual fee)
Reward Rate 2 RP per ₹100 retail spend (0.5% on statement credit, up to 2% on catalogue); 1 RP per ₹100 on Utility & Insurance
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (waived on ₹1 Lakh annual spend); Joining fee ₹500 + GST (waived on ₹30,000 annual spend)
Reward Rate Up to 10% on Zomato orders (capped ₹500/mo), 5% on partner dining (capped ₹300/mo), 2% on online food apps (capped ₹250/mo), 1% other retail — all credited as Zomato Credits
₹0
4.2% effective
Fee Waiver Math ₹4,999 + GST (waived on ₹6 Lakh annual spend)
Reward Rate 6 CV Points per ₹200 up to ₹1L per billing cycle (~3% return); 4 CV above ₹1L (~2%); 10 CV on birthday dining (~5%); 1 CV on fuel/insurance/utility/rent/wallet (~0.5%)
₹0
4.2% effective
Fee Waiver Math Free
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math Free
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹0 (Lifetime Free, FD-backed from ₹2,000)
Reward Rate 4 Reward Points per ₹150 across all retail (~0.67% return at ₹0.25/RP); 5% cashback (cap ₹1,000) on first EMI within 90 days
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (No fee waiver)
Reward Rate 1% - 1.5% reward points
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (No spend-based fee waiver)
Reward Rate 1% - 1.5% reward points
₹0
4.2% effective
Fee Waiver Math ₹25,000 + GST (No spend-based fee waiver)
Reward Rate 1% - 1.5% reward points
₹0
4.2% effective
Fee Waiver Math Lifetime Free (₹0 joining + ₹0 annual fee)
Reward Rate 1% - 1.5% reward points
₹0
4.2% effective
Fee Waiver Math ₹499 + GST (No spend-based waiver, NO LONGER ACCEPTING APPLICATIONS)
Reward Rate 1% - 2% reward points (2 RP/₹100 on dining)
₹0
4.2% effective
Fee Waiver Math ₹1,999 + GST (No spend-based waiver, NO LONGER ACCEPTING APPLICATIONS)
Reward Rate 1% - 1.5% reward points (flat tier)
₹0
4.2% effective
Fee Waiver Math ₹1,499 + GST (No spend-based waiver, NO LONGER ACCEPTING APPLICATIONS)
Reward Rate 1% - 1.5% reward points (flat tier)
₹0
4.2% effective
Fee Waiver Math Lifetime Free — ₹0 (NO LONGER ACCEPTING APPLICATIONS)
Reward Rate 1% - 1.5% reward points (flat tier)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST (Waived on ₹50,000 annual retail spend)
Reward Rate 2.67% - 5.33% reward points (8 RP/₹150 on special categories and above ₹2L spend)
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST (Card DISCONTINUED for new applications — see Mojo Platinum)
Reward Rate 1% - 1.5% reward points (1 RP/₹100 offline, 1.5 RP/₹100 online)
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST (Card DISCONTINUED — joining fee waived on ₹30K/90 days, annual fee waived on ₹1L spend)
Reward Rate 1% - 2.5% Mojo Points (1 MP/₹100 offline, 2.5 MP/₹100 online)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST (Card DISCONTINUED — see Axis Bank Myntra Credit Card for live co-brand)
Reward Rate 1% - 1.5% reward points (1 RP/₹100 offline, 1.5 RP/₹100 online); historic 5% on Myntra
₹0
4.2% effective
Fee Waiver Math ₹1,000 + GST | Waived on ₹1,00,000 annual retail spend (excludes utility/wallet/fuel/skill gaming/insurance/govt/rent/education)
Reward Rate Unlimited 2.5 Mojo points per ₹100 online; 1 Mojo point per ₹100 offline (excl. fuel, wallet, rent, skill gaming)
₹0
4.2% effective
Fee Waiver Math ₹999 + GST from Year 2 | First year joining fee waived
Reward Rate Up to 8 Kotak Rewards per ₹150 across all categories (~5.33 RP per ₹100, ~1.33% voucher value); excludes fuel/wallet/rent/education/govt/insurance/skill gaming
₹0
4.2% effective
Fee Waiver Math ₹500 + GST | Waived on ₹50,000 retail spend in anniversary year
Reward Rate 2 Reward Points per ₹100 online; 1 Reward Point per ₹100 offline (excludes fuel/wallet/rent/education/govt/insurance/skill gaming; utility capped at ₹35,000/statement cycle)
₹0
4.2% effective
Fee Waiver Math Lifetime-free by design (₹0 + GST)
Reward Rate 1 Reward Point per ₹100 retail (per legacy card terms before discontinuation)
₹0
4.2% effective
Fee Waiver Math ₹999 + GST (waived on ₹1,00,000 annual retail spend, NO LONGER ACCEPTING APPLICATIONS)
Reward Rate 2.67% on travel/dining/international (4 RP/₹150), 1.33% on other spends (2 RP/₹150)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹12,500 + GST (Waived on ₹10 Lakhs annual spend)
Reward Rate White Pass milestone-based rewards up to ₹2,50,000 annual value
₹0
4.2% effective
Fee Waiver Math ₹1,500 + GST (Waived on ₹1.5 Lakhs annual spend)
Reward Rate 10 Zen Points per ₹150 on Shopping (3.33%) & 5 Zen Points per ₹150 on others (1.67%)
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 2 Reward Points per ₹100 online (1.0%) & 1 Reward Point per ₹100 offline (0.5%)
₹0
4.2% effective
Fee Waiver Math ₹2,000 (Waived on ₹3 Lakhs annual spend) + ₹1,500 joining fee
Reward Rate 2 Reward Points per ₹100 spend (1.0% return) on all retail
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹4,999 + GST
Reward Rate 2% Travel, 1.5% Online, 1% Offline Spends
₹0
4.2% effective
Fee Waiver Math ₹9,999 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1-1.5% Rewards
188
BPCL SBI Card
₹0
4.2% effective
Fee Waiver Math ₹499 + taxes
Reward Rate 4.25% value back on BPCL fuel (13X RP, cap: 1,300 RP/cycle); 5X RP on dining/grocery/movies (cap: 5,000 RP/month); 1X RP on other retail
₹0
4.2% effective
Fee Waiver Math Rs 499 + taxes
Reward Rate 1 RP per Rs 100 on dining/grocery/movies/department stores; 1 RP per Rs 100 on other retail
₹0
4.2% effective
Fee Waiver Math Rs 999 + taxes (reversed on Rs 2 Lakh annual spend)
Reward Rate 5% cashback on online spends (Rs 5,000 cap/month); 1% on offline spends
₹0
4.2% effective
Fee Waiver Math Rs 499 + taxes
Reward Rate 1 RP per Rs 100 on dining/grocery/movies/department stores; 1 RP per Rs 100 on other retail
₹0
4.2% effective
Fee Waiver Math ₹1,499 + GST
Reward Rate 1 CV Point per ₹100 spends + Milestone Tickets
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math ₹1,500 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math ₹4,999 + GST (Reversed on ₹10 Lakhs annual spend)
Reward Rate 5X (10 RP/₹100) on dining/dept stores/grocery; 2 RP/₹100 on other spends
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math ₹500 (Joining) / ₹350 (Renewal) + GST
Reward Rate 1 Reward Point per ₹100 on non-railway
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1% travel
₹0
4.2% effective
Fee Waiver Math ₹1,500 + GST
Reward Rate 2 Miles per ₹100
₹0
4.2% effective
Fee Waiver Math ₹500 + GST
Reward Rate 1-2% Rewards (varies by variant)
204
SBI Card On EMI
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1% to 1.5% cashback
₹0
4.2% effective
Fee Waiver Math Rs 2,999 + GST (Waived on Rs 3 Lakh annual spend)
Reward Rate 10X (2.5%) on dining, groceries, movies, departmental stores; 20X (5%) on utility bills via standing instructions; 2 RP/Rs100 base
₹0
4.2% effective
Fee Waiver Math ₹1499 + GST
Reward Rate Up to 2.5% rewards on select categories
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1% flat retail rewards
₹0
4.2% effective
Fee Waiver Math N/A
Reward Rate 1-2% Rewards (varies by variant)
₹0
4.2% effective
Fee Waiver Math ₹499 + taxes
Reward Rate 10X RP (2.5%) on 10 partner brands; 5X RP (1.25%) on other online; 1X RP (0.25%) offline
₹0
4.2% effective
Fee Waiver Math ₹499 + GST (Waived on ₹1 Lakh annual spend)
Reward Rate 10X Reward Points (2.5%) on Dining, Movies, Grocery, Departmental Stores; 1X (0.25%) on all other spends
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1 RP per ₹150 base spend (0.25%); online spends accelerated
₹0
4.2% effective
Fee Waiver Math ₹1,499 + GST
Reward Rate 1.5% NeuCoins offline, 1.5% online
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1% NeuCoins offline, 1.5% online
₹0
4.2% effective
Fee Waiver Math ₹499 + GST
Reward Rate 1.5% online, 1 Reward Point per ₹100 Travel