The rulebook

Reward rules for 147 Indian credit cards

What each card actually pays: every rate with the spend it stops at, the categories that earn nothing, and the fee and what waives it. Transcribed from each bank's own terms and dated, the same rules the Zenidhi audit replays your swipes against. No rankings, no referral links.

American Express

American Express Membership Rewards® Credit Card

≈3.33% on Select brands

American Express SmartEarn™ Credit Card

≈5% on 10X: Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, Myntra, 10X: Zomato and EaseMyTrip

American Express® Gold Card

≈0.67% on Bills

American Express® Platinum Reserve℠ Credit Card

≈0.66% on everything else

American Express® Platinum Travel Credit Card

≈0.4% on everything else

AU Small Finance Bank

AU Ananta Credit Card

≈1% on Shopping, Food, Transport

AU Business Cashback Credit Card

1% on everything else

AU LIT Credit Card

5% on Grocery, Apparel

AU SPONT Credit Card

1% on everything else

AU Zenith Credit Card

≈1.25% on Food

AU Zenith+ Credit Card

≈2% on Food, Transport

CheQ AU Credit Card

≈3% on Brands (online / in store / UPI), CheQ app travel, bills (online / in store / UPI)

ixigo AU Credit Card

≈0.2% on Bills

Paytm AU Credit Card

≈2.5% on Paytm Online & Travel — online, via the Paytm app (online)

Axis Bank

Airtel Axis Bank Credit Card

25% on Airtel Mobile/Broadband/DTH via Airtel Thanks App

Axis Bank ACE Credit Card

5% on Bill payments, DTH, mobile recharge — via Google Pay only

Axis Bank Atlas Credit Card

≈5% on Transport

Axis Bank Cashback Credit Card

7% on Online net spends above ₹40,000 in a statement month (online)

Axis Bank Freecharge Plus Credit Card

5% on On-deck spends done through the Freecharge application

Axis Bank HORIZON Credit Card

≈5% on Direct airline

Axis Bank MAGNUS Credit Card

≈12% on Axis travel edge portal

Axis Bank MAGNUS for Burgundy Credit Card

≈24% on Axis travel edge portal, Grab deals gyftr

Axis Bank MY Zone Credit Card

≈0.4% on everything else

Axis Bank Neo Credit Card

≈0.1% on everything else

Axis Bank Privilege Credit Card

≈1% on everything else

Axis Bank Reserve Credit Card

≈6% on International spends

Axis Bank REWARDS Credit Card

≈3.2% on Shopping

Axis Bank SELECT Credit Card

≈2% on Groceries, Shopping

AXIS BANK SUPERMONEY RuPay Credit Card

3% on UPI QR transactions done on/through the super.money platform (UPI)

Fibe Axis Bank Credit Card

3% on Food, Entertainment, Transport (online)

Flipkart Axis Bank Credit Card

7.5% on Myntra

IndianOil Axis Bank Credit Card

≈4% on Eligible fuel transactions at IndianOil outlets

IndianOil Axis Bank Premium Credit Card

≈0.8% on IOCL fuel

Samsung Axis Bank Signature Credit Card

10% on Samsung purchases — Samsung eStore / Shop App, in-store Brand EMI or full swipe on Pine Labs / Benow Soft POS, Samsung service centres on PayU Soft POS

Scapia Axis Bank Credit Card

≈4% on Flight, hotel, and bus bookings on the Scapia App

Bank of Baroda

BOBCARD Cashback Credit Card

1% on International Transaction

BOBCARD Eterna Credit Card

≈3.75% on International (in store / online), Food (in store / online), Travel (in store / online)

BOBCARD Premier Credit Card

≈2.5% on International (in store / online), Food (in store / online), Travel (in store / online)

HPCL ENERGIE BOBCARD Credit Card

≈4% on Fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App (in store / online)

Snapdeal BOBCARD Credit Card

≈5% on Purchases on the Snapdeal website & Mobile App (in store / online)

DBS Bank

DBS Vantage Credit Card

≈10% on Flight & hotel bookings via DBS Delights (online)

Federal Bank

Scapia Federal Credit Card

≈4% on Travel purchases made on the Scapia App

HDFC Bank

HDFC Bank BizBlack Metal Edition Credit Card

≈33.33% on SmartBuy hotel bookings — flights earn 5X, instant vouchers 3X

HDFC Bank BizGrow Credit Card

≈2% on Bill payment via PayZapp & SmartPay

HDFC Bank BizPower Credit Card

≈1.88% on Bill payments via SmartPay & PayZapp

HDFC Bank Diners Club Black Metal Edition Credit Card

≈33.33% on SmartBuy hotel bookings

HDFC Bank Diners Club Privilege Credit Card

≈2% on Online food ordering (online)

HDFC Bank Infinia Metal Credit Card

≈33.33% on SmartBuy hotel bookings — flights and brand vouchers earn 5X, trains 3X

HDFC Bank PIXEL Go Credit Card

≈5% on SmartBuy: IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor (online)

HDFC Bank PIXEL Play Credit Card

≈5% on Two chosen packs, SmartBuy (online)

HDFC Bank Regalia Gold Credit Card

≈3.75% on SmartBuy hotel bookings — flights and instant vouchers earn 5X

HDFC Bank UPI RuPay Credit Card

≈0.75% on Groceries, Food (UPI)

HDFC Millennia Credit Card

5% on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato

HDFC MoneyBack+ Credit Card

≈2.5% on 10X partner merchants

IndianOil HDFC Bank Credit Card

≈1% on Spends at IOCL fuel pumps & outlets (in store)

IRCTC HDFC Bank Credit Card

≈5% on Train ticket booking on IRCTC Website/ IRCTC Rail Connect App (online)

Marriott Bonvoy HDFC Bank Credit Card

≈3.47% on Marriott bonvoy properties + marriott retail/online

PhonePe HDFC Bank Ultimo Credit Card

≈10% on Select PhonePe categories - Recharges & Bills, Travel & Stays on the PhonePe application

Swiggy BLCK HDFC Bank Credit Card

10% on Spends on Swiggy App

Swiggy Ornge HDFC Bank Credit Card

5% on Swiggy, Brands (online), Named merchants (online), Shopping, Health, Education (online)

Tata Neu Infinity HDFC Bank Credit Card

≈5% on Tata Neu app / partner Tata brand merchants (in store / online)

Tata Neu Plus HDFC Bank Credit Card

≈2% on Non-EMI Retail Spends on partner Tata Brands (in store / online)

HSBC India

HSBC Live+ Credit Card

10% on Food, Groceries, Shopping, Bills

HSBC Premier Credit Card

≈36% on Travel with Points: hotels

HSBC RuPay Cashback Credit Card

10% on Food, Groceries

HSBC RuPay Platinum Credit Card

≈0.53% on everything else

HSBC Taj Credit Card

≈3.33% on Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows

HSBC TravelOne Credit Card

≈9.6% on Hotels via hsbc travel portal

HSBC Visa Platinum Credit Card

≈0.53% on everything else

ICICI Bank

Adani One ICICI Bank Signature Credit Card

≈7% on Participating merchants

Amazon Pay ICICI (Prime)

5% on Amazon.in purchases

Emirates Skywards ICICI Bank Emeralde Credit Card

≈2% on everything else

ICICI Bank Coral Credit Card

≈0.5% on Transport

ICICI Bank Emeralde Credit Card

≈1% on International spend

ICICI Bank Emeralde Private Metal Credit Card

≈36% on Ishop portal

ICICI Bank HPCL Super Saver Credit Card

≈5% on Bills, Groceries

ICICI Bank Parakram Select Credit Card

≈2.5% on Groceries

ICICI Bank Platinum Chip Credit Card

≈0.5% on Transport

ICICI Bank Rubyx Credit Card

≈1% on International spend

ICICI Bank Sapphiro Credit Card

≈1% on International spends

MakeMyTrip ICICI Bank Credit Card

6% on Hotel bookings on MakeMyTrip

Times Black ICICI Bank Credit Card

≈2.5% on All eligible international transactions

IDFC FIRST Bank

Ashva Credit Card

≈6.67% on Hotel bookings via idfc first mobile app

FIRST Power Credit Card (HPCL IDFC FIRST Bank)

≈3.5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app

FIRST Power+ Credit Card (HPCL IDFC FIRST Bank)

≈5% on HPCL fuel: HPCL authorized fuel stations, HP Pay wallet upload, Pay by QR in HP Pay app

Gaj: Credit Card

≈33.33% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

Hello Cashback Credit Card

1% on Rent, Bills, Education, Transport, Shopping

IDFC FIRST Classic Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Millennia Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Select Credit Card

≈1.25% on International purchases, Food, Transport, Spends done on your birthday

IDFC FIRST Wealth Credit Card

≈6.25% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

LIC IDFC FIRST Select Credit Card

≈2% on LIC insurance premium paid on licindia.in

Mayura Credit Card

≈6.67% on Hotel bookings via Travel & Shop / FIRST Rewards Gallery in the IDFC FIRST Bank app

Quantum+ Credit Card

0.5% on Rent, Bills, Shopping

IndusInd Bank

CRED IndusInd Bank RuPay Credit Card

≈2.5% on CRED pay, travel and store, Shopping, Food, Groceries, Subscriptions, Entertainment, Health (online)

IndusInd Bank Avios Visa Infinite Credit Card

≈3% on Spends in selected preferred international destination for Point of Sale transactions (in store)

IndusInd Bank Jio-bp Mobility+ Credit Card

≈3% on All Jio-bp spends and Jio-bp convenience store)

IndusInd Bank Pinnacle Credit Card

≈1.13% on Transport (online)

IndusInd Bank Tiger Credit Card

≈2.4% on Incremental annual spend above ₹5L

Kotak Mahindra Bank

IndianOil Kotak Credit Card

≈3.2% on IndianOil fuel spends (in store / online)

Kotak Air+ Credit Card

≈5% on Kotak Unbox: Flight & Flight Add-ons Booking, Hotel & Hotel Add-ons Booking

Kotak Cashback+ Credit Card

5% on Food, Groceries (online), Entertainment, Subscriptions (online)

Kotak Solitaire Credit Card

≈10% on Kotak Unbox: Flight & Flight Add-ons Booking, Hotel & Hotel Add-ons Booking

Punjab National Bank

PNB RuPay Select Credit Card

≈0.33% on everything else

RBL Bank

IndianOil RBL Bank Credit Card

≈1% on IndianOil fuel stations

IndianOil RBL Bank XTRA Credit Card

≈1.5% on IndianOil fuel stations

IRCTC RBL Bank Credit Card

≈2.5% on Train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App (online)

RBL Bank Apex Credit Card

2% on Flights, Hotels, Shop & Vouchers on rewards.rbl.bank.in (online)

RBL Bank Cookies Credit Card

10% on Myntra, Uber & Zomato

RBL Bank Jalsa Credit Card

5% on Myntra, Swiggy, Zomato, Meesho, Urban Company, Flipkart, Zepto, Blinkit, Ajio

RBL Bank NOVA Credit Card

≈6% on Flight bookings, Hotel bookings and E-Gift Card purchases through nova.rbl.bank.in (online)

RBL Bank Platinum Maxima Plus Credit Card

≈2.5% on Food, Groceries, Entertainment

RBL Bank Shoprite Credit Card

≈5% on Groceries

RBL Bank World Safari Credit Card

≈1.25% on Transport

SBI Card

AURUM

≈1% on everything else

BPCL SBI Card

≈3.25% on BPCL Fuel spends (in store / online)

BPCL SBI Card OCTANE

≈6.25% on BPCL fuel, MAK lubricants, Bharatgas, BPCL In&Out stores

Cashback SBI Card

5% on everything else (online)

Flipkart SBI Credit Card

7.5% on Myntra

IndiGo SBI Card ELITE

≈7% on Accelerated Category 1: IndiGo App / Web (online)

IRCTC SBI Card Premier

≈8% on Railway tickets at www.irctc.co.in / IRCTC app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online)

IRCTC SBI Platinum Card

≈4% on Railway tickets at www.irctc.co.in / IRCTC Android app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online)

KrisFlyer SBI Card Apex

≈5% on Spends on Singapore Airlines

Landmark Rewards SBI Card PRIME

≈6.25% on Online & Retail Landmark Stores

Paytm SBI Card

≈3% on Travel purchases through Paytm App (online)

Paytm SBI Card SELECT

≈5% on All Travel purchases through Paytm App (online)

PhonePe SBI Card BLACK

≈10% on PhonePe spends — Insurance

PhonePe SBI Card PURPLE

≈3% on PhonePe spends — Insurance

Reliance SBI Card PRIME

≈5% on AJIO & JioMart Online Stores (online)

SBI Card ELITE

≈2.5% on Food, Groceries

SBI Card MILES ELITE

≈3% on Transport

SBI Card MILES PRIME

≈1% on Transport

SBI Card PRIME

≈5% on Birthday spends

SBI Card PULSE

≈2.5% on Food, Entertainment, Health, Shopping

SBI SimplyCLICK Credit Card

≈2.5% on Exclusive online partners (online)

SimplySAVE SBI Card

≈1.67% on Food, Entertainment, Groceries

Tata Neu Infinity SBI Card

≈5% on Tata Neu App/Website and partner Tata Brands (in store / online)

Tata Neu Plus SBI Card

≈2% on Tata Neu App/Website and partner Tata Brands (in store / online)

Titan SBI Card

≈7.5% on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores (in store / online)

Standard Chartered

Standard Chartered Beyond Credit Card

≈2% on Bills, Groceries, Rent, Education

Standard Chartered Smart Credit Card

2% on everything else (online)

Standard Chartered Ultimate Credit Card

≈2% on Bills, Groceries, Rent, Education

YES Bank

YES BANK Klick Credit Card

≈0.2% on Bills (in store / online)

YES BANK MARQUÉE Credit Card

≈1.25% on Bills

YES BANK Paisabazaar PaisaSave Credit Card

≈6% on Food, Transport (in store / online)

YES BANK RESERV Credit Card

≈0.6% on Bills (in store / online)

YES BANK Uni Credit Card

≈1% on everything else