{"publisher":"CardMasters","license":"Free to use with attribution and a link to https://www.cardmasters.in","disclaimer":"Transcribed from issuer-published terms on the date shown per card. Terms change; confirm with the issuer. Not financial advice.","catalogueRelease":"2026-08-25","count":96,"cards":[{"id":"hdfc-infinia-metal","name":"Infinia Metal","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-infinia-metal","tier":"super-premium","networks":["Visa Infinite","Mastercard World"],"fees":{"joiningINR":12500,"annualINR":12500,"gstExtra":true,"waiverSpendINR":1000000},"forexMarkupPct":2,"rewards":{"baseRate":3.333333,"baseEarnLabel":"5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Eligible SmartBuy travel, shopping and brand-voucher routes","label":"Up to 10X through eligible SmartBuy routes; accelerated rewards capped at 15,000 RP/month, including 3,000 RP/month for GyFTR/Woohoo brand vouchers","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"grocery","label":"5 Reward Points per ₹150 on grocery, capped at 2,000 RP/month","monthlyCapINR":null,"monthlyCapPoints":2000},{"channel":"utility and telecom","label":"5 Reward Points per ₹150 on utility and telecom, with each published category capped at 2,000 RP/month","monthlyCapINR":null,"monthlyCapPoints":2000},{"channel":"insurance","label":"5 Reward Points per ₹150 on insurance, capped at 10,000 RP/month","monthlyCapINR":null,"monthlyCapPoints":10000}],"exclusions":["fuel","rent","property-management","wallet-load","easy-emi","smart-emi","government","cash-advance","fees"],"recordedChanges":["From 1 Jul 2026, accelerated rewards on SmartBuy brand vouchers through GyFTR/Woohoo are capped at 3,000 RP/month within the overall 15,000 accelerated-RP monthly cap.","Redemption is capped at 2,00,000 RP per statement cycle; flights, hotels and airmiles at 1,50,000 RP/month; statement credit at 50,000 RP/month. Eligible travel, Apple and Tanishq redemptions can cover up to 70% of the transaction.","Insurance rewards are capped at 10,000 RP/month; grocery, utility and telecom rewards at 2,000 RP/month for each published category.","Reward Points expire after three years and are nullified after 365 days without a retail transaction on the card.","Rent, property-management and government spends do not earn rewards. A 1% fee applies from the second third-party rent transaction in a calendar month."]},"lounge":{"domestic":"unlimited","international":"unlimited Priority Pass (primary + add-on)","guests":"No complimentary guest access is claimed unless the issuer's current lounge terms explicitly include it"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":true,"note":"HDFC Bank describes Infinia Metal as invite-only and does not publish a monthly-income or credit-score cutoff on the current product page."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/infinia-credit-card/rewards-points-program-terms-and-conditions.pdf"}},{"id":"hdfc-regalia-gold","name":"Regalia Gold","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-regalia-gold","tier":"premium","networks":["Visa Signature","Mastercard"],"fees":{"joiningINR":2500,"annualINR":2500,"gstExtra":true,"waiverSpendINR":400000},"forexMarkupPct":2,"rewards":{"baseRate":2.5,"baseEarnLabel":"5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Myntra, Nykaa, Reliance Digital and Marks & Spencer direct card payments","label":"5X Reward Points on eligible direct merchant payments; incremental rewards capped at 5,000 points/month","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Eligible grocery spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":2000},{"channel":"Eligible utility and telecom spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":2000}],"exclusions":["fuel","rent","property-management","wallet-load","easy-emi","smart-emi","government","gaming","education-third-party","cash-advance","fees"],"recordedChanges":["15 May 2026: base earn cut from 4 RP/₹150 to 5 RP/₹200 (~6% lower reward rate).","1 Jul 2026: domestic lounge now spend-gated — 3 visits/quarter need ₹60,000 spend in the previous quarter.","Flight/hotel, cashback and airmile redemptions are capped at 50,000 points/month; travel bookings permit at most 70% payment with points.","Points are nullified after more than 365 days without a card transaction.","HDFC's product page and milestone PDF conflict on whether both ₹5 lakh and ₹7.5 lakh annual flight-voucher thresholds apply; the current product page lists both."]},"lounge":{"domestic":"3 visits/quarter after ₹60,000 spend in the preceding calendar quarter","international":"6/year outside India via Priority Pass; at least 4 card transactions required before requesting membership"},"eligibility":{"minMonthlyIncomeINR":150000,"inviteOnly":false,"note":"HDFC publishes ₹1.5 lakh monthly income for non-government salaried and self-employed applicants; government salaried threshold is ₹1 lakh. No issuer credit-score cutoff is published."},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/pdfs/regalia-gold-credit-card-reward-points-t-and-cs.pdf"}},{"id":"hdfc-millennia","name":"Millennia","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-millennia","tier":"entry","networks":["Visa","Mastercard"],"fees":{"joiningINR":1000,"annualINR":1000,"gstExtra":false,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"CashPoints","acceleratedRoutes":[{"channel":"Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000}],"exclusions":["fuel","rent","wallet-load","emi","government"],"recordedChanges":["1 Jul 2025: 1% fee on rent, utility >₹50k/mo and gaming/wallet-loads >₹10k/mo (cap ₹4,999/mo); no reward points on gaming/wallet-load spends."]},"lounge":{"domestic":"up to 4/yr as an alternative to the ₹1,000 quarterly milestone voucher (₹1L/quarter spend)","international":"none"},"eligibility":{"minMonthlyIncomeINR":35000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-16","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/millennia-credit-card/Terms-and-Conditions-Millennia-Credit-Card.pdf"}},{"id":"axis-magnus-burgundy","name":"Magnus for Burgundy","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-magnus-burgundy","tier":"super-premium","networks":["Visa Infinite"],"fees":{"joiningINR":30000,"annualINR":30000,"gstExtra":true,"waiverSpendINR":3000000},"forexMarkupPct":2,"rewards":{"baseRate":6,"baseEarnLabel":"12 EDGE Reward Points per ₹200 on eligible spend up to ₹1.5 lakh per month","pointName":"EDGE Reward Points","acceleratedRoutes":[{"channel":"Travel Edge","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","wallet-load","insurance","government","utility","jewellery"],"recordedChanges":["35 EDGE Reward Points per ₹200 apply only to eligible monthly spend above ₹1.5 lakh and remain subject to issuer credit-limit caps.","Travel EDGE acceleration requires issuer-portal routing and is excluded from broad travel-spend estimates.","Axis Bank has announced another Magnus for Burgundy terms update effective 28 August 2026; CardMasters must recheck this record then."]},"lounge":{"domestic":"unlimited visits to select domestic lounges","international":"unlimited Priority Pass visits plus 4 guest visits/yr"},"eligibility":{"minMonthlyIncomeINR":200000,"inviteOnly":false,"note":"Magnus uses indicative ₹24 lakh annual net-income and age criteria. Magnus for Burgundy additionally requires an eligible Burgundy relationship; the issuer publishes no numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card"}},{"id":"axis-atlas","name":"Atlas","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-atlas","tier":"premium","networks":["Visa Signature"],"fees":{"joiningINR":5000,"annualINR":5000,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":null,"pointName":"EDGE Miles","acceleratedRoutes":[{"channel":"travel (airlines/hotels/Travel Edge)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","insurance","gold","government","utility"],"recordedChanges":["2 April 2026: selected transfer partners cut from 1:2 to 2:1; transfer-partner list revised"]},"lounge":{"domestic":"8-18/yr by tier","international":"4-12/yr by tier"},"eligibility":{"minMonthlyIncomeINR":100000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-16","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-atlas-credit-card/rewards-benefits"}},{"id":"sbi-cashback","name":"Cashback SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-cashback","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":999,"annualINR":999,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% cashback on eligible offline point-of-sale spend","pointName":"Cashback","acceleratedRoutes":[{"channel":"all online spends","label":"5% cashback on eligible online spend","monthlyCapINR":2000,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","utility","insurance","school","jewellery","railways","gift-card","digital-gaming","toll","government","merchant-emi","flexipay-emi"],"recordedChanges":["From 1 April 2026, online cashback is capped at ₹2,000 and offline cashback at ₹2,000 per statement cycle, with a ₹4,000 aggregate ceiling.","Cashback does not apply to merchant EMI, Flexipay EMI, utility, insurance, fuel, rent, wallet, education, jewellery, railways, gift-card, digital-gaming, toll and government-related transactions.","Cashback is based on transaction posting or settlement date and is normally credited automatically within two working days after statement generation."]},"lounge":{"domestic":"none (removed)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a card-specific income or bureau-score cutoff on the current product page. Approval is assessed using the applicant's age, income, employment, credit history and other issuer policy factors."},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf"}},{"id":"sbi-flipkart","name":"Flipkart SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-flipkart","tier":"entry","networks":["Visa","Mastercard"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":350000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% unlimited cashback on eligible other spends; transactions below ₹100 earn no cashback","pointName":"Cashback","acceleratedRoutes":[{"channel":"Myntra","label":"7.5% cashback on Myntra; capped at ₹4,000 per calendar quarter","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Flipkart and Shopsy","label":"5% cashback on Flipkart and Shopsy; capped at ₹4,000 per calendar quarter","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Cleartrip","label":"5% cashback on Cleartrip; capped at ₹4,000 per calendar quarter","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Zomato, Uber, Netmeds and PVR","label":"4% cashback at Zomato, Uber, Netmeds and PVR; capped at ₹4,000 per calendar quarter","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","balance-transfer","balance-transfer-emi","cash-advance","atm-withdrawal","fees","financial-charges","disputed-transactions","encash","wallet-load","gift-card","voucher","rent","property-management","jewellery","government","digital-gaming","school","insurance","standing-instructions","flexipay-emi","merchant-emi"],"recordedChanges":["Cashback is automatically credited after the statement cycle; each accelerated merchant group has a separate ₹4,000 calendar-quarter cap.","Transactions below ₹100 and excluded merchant categories earn no cashback.","The annual fee is waived on ₹3.5 lakh of eligible annual spend."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a card-specific income or bureau-score cutoff for Flipkart SBI Card. Approval is assessed using the applicant's income, employment, credit history and other issuer policy factors."},"evidence":{"verifiedOn":"2026-08-09","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/cards/Flipkart-SBI-CreditCard-TandC-Booklet.pdf"}},{"id":"sbi-elite","name":"SBI Card ELITE","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-elite","tier":"premium","networks":["Visa","Mastercard"],"fees":{"joiningINR":4999,"annualINR":4999,"gstExtra":true,"waiverSpendINR":1000000},"forexMarkupPct":1.99,"rewards":{"baseRate":2,"baseEarnLabel":"2 Reward Points per ₹100 on eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining/departmental/grocery","label":"10 Reward Points per ₹100; 10,000 accelerated-point monthly cap, then 2 points per ₹100","monthlyCapINR":null,"monthlyCapPoints":10000}],"exclusions":["balance-transfer","balance-transfer-emi","flexipay","cash-advance","easy-money","encash","dial-a-draft","atm-withdrawal","fees","fuel","rent","wallet-load","government"],"recordedChanges":["₹1 crore air-accident insurance was discontinued from 15 July 2025; the ₹1 lakh fraud-liability cover remains.","Reward redemptions for physical products, statement credit and specified physical vouchers may attract ₹99 plus taxes.","Priority Pass use within India, guest visits and visits after the six complimentary international visits are charged up to US$27 plus taxes."]},"lounge":{"domestic":"8 complimentary visits per year, maximum 2 per quarter","international":"6 complimentary Priority Pass visits outside India per calendar year, maximum 2 per quarter; paid thereafter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card publishes regular income and good credit history as general criteria, but no ELITE-specific income or numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html"}},{"id":"icici-amazon-pay","name":"Amazon Pay ICICI","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-amazon-pay","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":1.99,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Amazon Pay balance","acceleratedRoutes":[{"channel":"Amazon (Prime members)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Amazon (non-Prime)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Amazon Pay partner merchants","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","gift-cards","wallet-load"],"recordedChanges":["15 January 2026: 1% fee introduced on wallet-load transactions of ₹5,000 or more"]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-16","sourceUrl":"https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/tc-for-amazon-pay-credit-card.pdf"}},{"id":"icici-emeralde-private-metal","name":"Emeralde Private Metal","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-emeralde-private-metal","tier":"super-premium","networks":["Mastercard"],"fees":{"joiningINR":12499,"annualINR":12499,"gstExtra":true,"waiverSpendINR":1000000},"forexMarkupPct":2,"rewards":{"baseRate":3,"baseEarnLabel":"6 Reward Points per ₹200 on eligible retail spend","pointName":"Reward Points","acceleratedRoutes":[{"channel":"grocery","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"utility","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"education","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"insurance","label":null,"monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["fuel","rent","government","wallet-load","cash-advance","fees"],"recordedChanges":["ICICI publishes reward-point value as up to ₹1 depending on redemption. CardMasters uses ₹1 only when the user declares travel redemption demand; otherwise recurring reward value is zero rather than assuming an unsupported catalogue value.","Grocery, utility and education earn is capped at 1,000 points per category per statement cycle; insurance is capped at 5,000 points.","Invitation and approval remain controlled by ICICI Bank."]},"lounge":{"domestic":"unlimited","international":"unlimited (Priority Pass)"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":true,"note":"The current issuer page lists this card as invitation-only and publishes no numeric income or bureau-score cutoff. Contact an ICICI Bank Relationship Manager."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card"}},{"id":"amex-platinum-travel","name":"Platinum Travel","bank":"American Express","url":"https://www.cardmasters.in/card/amex-platinum-travel","tier":"premium","networks":["Amex"],"fees":{"joiningINR":5000,"annualINR":5000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"1 Membership Rewards point per ₹50 on eligible spend","pointName":"Membership Rewards","acceleratedRoutes":[],"exclusions":["fuel","insurance","utilities","cash-advance","balance-transfer","fees","emi"],"recordedChanges":["Fuel, insurance, utilities, cash transactions and point-of-sale EMI do not earn Membership Rewards points","Priority Pass membership is complimentary, but the cardmember and accompanied guests pay the prevailing usage fee.","Membership Rewards points do not expire while the card is active and in good standing; after cancellation they are forfeited after 30 days."]},"lounge":{"domestic":"8/yr for the Basic Cardmember, limited to 2/qtr at eligible Indian lounges","international":"Priority Pass membership included; cardmember and guest visits are chargeable"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":"American Express publishes good credit history with no payment defaults, but no numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/"}},{"id":"axis-ace","name":"ACE","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-ace","tier":"entry","networks":["Visa"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":false,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1.5,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"GPay bill payments/DTH/recharge","label":null,"monthlyCapINR":500,"monthlyCapPoints":null},{"channel":"Swiggy, Zomato and Ola","label":null,"monthlyCapINR":500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi","utility","telecom","education","government","insurance","gold","jewellery","financial-institutions","cash-advance","repayments"],"recordedChanges":["Utility and telecom spending outside eligible Google Pay bill payments does not earn cashback","The 5% and 4% categories share a ₹500 cashback cap per statement cycle"]},"lounge":{"domestic":"4/yr (spend condition)","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-ace-credit-card"}},{"id":"hdfc-swiggy","name":"Swiggy HDFC","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-swiggy","tier":"entry","networks":["Mastercard"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% statement cashback on eligible other-category spend","pointName":"Cashback","acceleratedRoutes":[{"channel":"Swiggy (food/Instamart/Dineout)","label":"10% statement cashback on eligible Swiggy Food, Instamart and Dineout transactions","monthlyCapINR":1500,"monthlyCapPoints":null},{"channel":"online merchants","label":"5% statement cashback on the issuer's eligible online merchant categories","monthlyCapINR":1500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","jewellery","government","wallet-load","gift-card","cash-advance"],"recordedChanges":["Cashback is credited as statement credit in the subsequent statement period.","The 10% route requires an eligible Swiggy transaction of at least ₹249; 5% and 1% routes require an eligible transaction of at least ₹100.","Monthly caps are ₹1,500 for eligible Swiggy spend, ₹1,500 for eligible online merchants and ₹500 for other eligible categories."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":15000,"inviteOnly":false,"note":"Indian nationals: salaried gross monthly income above ₹15,000 or self-employed annual ITR above ₹6 lakh. HDFC Bank publishes no numeric bureau-score cutoff; approval remains subject to documentation and issuer policy."},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-hdfc-bank-credit-card/pdf/terms-and-conditions-swiggy-hdfc-bank-credit-card-26052026.pdf"}},{"id":"idfc-first-select","name":"FIRST Select","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-select","tier":"mid","networks":["Visa Signature"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":1.99,"rewards":{"baseRate":1.5,"baseEarnLabel":"3 Reward Points per ₹200 on eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining, travel and international purchases","label":"10 Reward Points per ₹200 on eligible dining, travel and international purchases","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","emi","cash-advance"],"recordedChanges":["From 19 June 2026, 10X is category-based on eligible dining, travel, international and birthday purchases; the old incremental-spend-above-₹20,000 route no longer applies.","Reward Points are valid for 24 months from credit. Some FAQ copy on the issuer page still says points never expire, but the current detailed reward blocks explicitly state the 24-month validity.","Reward Points are earned only on spends up to the credit limit in a billing cycle; transactions beyond the limit do not earn points.","Each reward redemption costs ₹99 plus GST. Utility, insurance, railway and FASTag purchases earn only 1X; railway and FASTag spend are not separately modeled."]},"lounge":{"domestic":"1 complimentary domestic airport lounge visit per quarter after ₹20,000 spend in the previous calendar month; 4 railway lounge visits per quarter with the same monthly spend gate","international":"none"},"eligibility":{"minMonthlyIncomeINR":100000,"inviteOnly":false,"note":"The issuer publishes annual income of ₹12 lakh or more, Indian citizenship and age 21+ for FIRST Select. It publishes no numeric bureau-score cutoff; issuance remains subject to internal assessment."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/select"}},{"id":"federal-scapia","name":"Scapia","bank":"Federal Bank","url":"https://www.cardmasters.in/card/federal-scapia","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":2,"baseEarnLabel":"10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel)","pointName":"Scapia coins","acceleratedRoutes":[{"channel":"travel booked on Scapia app","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["rent","fuel","wallet-load","emi","intl","education","gift-card","card-payment","crypto","insurance","utility","telecom","government","business-service","financial-institution","cash-advance"],"recordedChanges":[]},"lounge":{"domestic":"unlimited domestic lounge access unlocks after ₹20,000 eligible spend in the preceding billing cycle; active-card, app QR, location and boarding-pass checks apply","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Federal Bank publishes age 21–65 for salaried applicants and 25–65 for self-employed applicants, plus resident Indian citizenship; no card-specific income or credit-score cutoff is published"},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.federal.bank.in/scapia"}},{"id":"au-zenith-plus","name":"Zenith+","bank":"AU Small Finance Bank","url":"https://www.cardmasters.in/card/au-zenith-plus","tier":"premium","networks":["Visa Infinite"],"fees":{"joiningINR":4999,"annualINR":4999,"gstExtra":true,"waiverSpendINR":800000},"forexMarkupPct":0.99,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible general spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Dining, travel and international spends","label":"2 Reward Points per ₹100","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","education","govt","emi","cash-advance","quasi-cash"],"recordedChanges":["Utility and telecom earn 1 Reward Point per ₹100, capped at 100 points per transaction; BBPS transactions earn no rewards.","The current AU product page mentions a 1,000-point statement-cycle milestone but does not expose the qualifying spend threshold, so CardMasters does not include it in estimated annual value.","Reward Points expire after 2 years and may be forfeited after 12 months of card inactivity.","Each successful redemption costs ₹99 plus GST."]},"lounge":{"domestic":"16 complimentary visits/year, capped at 4/quarter","international":"16 complimentary Priority Pass visits/year, capped at 4/quarter; Priority Pass use within India is chargeable"},"eligibility":{"minMonthlyIncomeINR":250000,"inviteOnly":false,"note":"Resident Indians. AU publishes ₹2.5 lakh monthly net income and age ranges, but no numeric bureau-score cutoff; the criteria remain indicative and approval is discretionary."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card"}},{"id":"hdfc-tata-neu-infinity","name":"Tata Neu Infinity","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-tata-neu-infinity","tier":"mid","networks":["Visa Signature","RuPay"],"fees":{"joiningINR":1499,"annualINR":1499,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":2,"rewards":{"baseRate":1.5,"baseEarnLabel":"1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends","pointName":"NeuCoins","acceleratedRoutes":[{"channel":"Eligible partner Tata brands (non-EMI, non-UPI)","label":"5% back as NeuCoins","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Eligible UPI spends (RuPay variant)","label":"0.5% via any UPI ID; up to 1.5% via Tata Neu UPI ID","monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"Eligible grocery spend","label":"1.5% back as NeuCoins, capped at 2,000 NeuCoins/month","monthlyCapINR":null,"monthlyCapPoints":2000},{"channel":"Eligible utility and telecom spend","label":"1.5% back as NeuCoins, conservatively capped at 2,000 NeuCoins/month","monthlyCapINR":null,"monthlyCapPoints":2000}],"exclusions":["fuel","rent","wallet-load","government","cash-advance","fees","gaming","education-third-party"],"recordedChanges":["Ordinary eligible UPI earns 0.5%; the extra 1% requires the RuPay variant and Tata Neu UPI ID. The routes share a 500 NeuCoin monthly cap.","The 5% Tata-brand rate requires an eligible merchant MID/TID and a non-UPI transaction. The separate NeuPass benefit is conditional and is not included in the estimate.","Grocery, insurance, utility, and telecom/cable each have a 2,000 NeuCoin monthly cap. NeuCoins expire 12 months from the end of the month in which they are credited."]},"lounge":{"domestic":"2 vouchers/quarter after ₹50,000 quarterly spend (up to 8/yr); voucher claim and validity windows apply","international":"4/yr, max 1/quarter outside India; Visa Priority Pass and RuPay conditions differ"},"eligibility":{"minMonthlyIncomeINR":100000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-infinity-credit-card/pdf/tata_neu_infinity_card_tnc.pdf"}},{"id":"hdfc-diners-club-black-metal","name":"Diners Club Black Metal Edition","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-diners-club-black-metal","tier":"super-premium","networks":["Diners Club"],"fees":{"joiningINR":10000,"annualINR":10000,"gstExtra":true,"waiverSpendINR":800000},"forexMarkupPct":2,"rewards":{"baseRate":3.333333,"baseEarnLabel":"5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply","pointName":"Reward Points","acceleratedRoutes":[{"channel":"SmartBuy","label":"Up to 10X Reward Points through eligible SmartBuy routes","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Participating weekend-dining restaurants","label":"2X Reward Points at participating weekend-dining restaurants","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Eligible utility, telecom and grocery spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":2000}],"exclusions":["fuel","rent","wallet-load","easy-emi","smart-emi","education","government"],"recordedChanges":["Insurance rewards are capped at 5,000 points/month; utility, telecom and grocery rewards are capped at 2,000 points/month under the issuer's grouped wording.","Total reward accrual is capped at 75,000 points per statement cycle.","Flight/hotel redemptions are capped at 75,000 points/month and may cover at most 70% of the booking; cashback redemptions are capped at 50,000 points/month.","Selected airline and hotel loyalty transfers, including Turkish, Accor and Avianca LifeMiles, convert at 2 Reward Points to 1 loyalty point."]},"lounge":{"domestic":"unlimited at participating Diners Club lounges for primary and add-on cardholders","international":"unlimited at participating Diners Club lounges worldwide for primary and add-on cardholders","guests":"not complimentary"},"eligibility":{"minMonthlyIncomeINR":250000,"inviteOnly":false,"note":"Indian nationals: salaried net monthly income above ₹2.5 lakh or self-employed annual ITR above ₹30 lakh. HDFC Bank publishes no credit-score cutoff; approval remains subject to issuer documentation and policy."},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card"}},{"id":"hdfc-marriott-bonvoy","name":"Marriott Bonvoy HDFC Bank","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-marriott-bonvoy","tier":"premium","networks":["Diners Club"],"fees":{"joiningINR":3000,"annualINR":3000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1.3333333333333333,"baseEarnLabel":"2 Marriott Bonvoy Points per ₹150 on eligible purchases","pointName":"Marriott Bonvoy Points","acceleratedRoutes":[{"channel":"Marriott hotels","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"travel/dining/entertainment","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","gift-card","prepaid-card-load","voucher","cash-advance","government","fees","outstanding-balance"],"recordedChanges":["Marriott Bonvoy points have no issuer-guaranteed cash value. CardMasters uses a conservative ₹0.40 stay valuation only when the user declares travel demand; otherwise recurring reward value is zero.","Points expire after 24 consecutive months without qualifying Marriott Bonvoy activity; eligible earning or redemption activity resets inactivity.","Entertainment and participating-Marriott merchant routing cannot be inferred from the current onboarding categories, so those rates are not applied to generic spend."]},"lounge":{"domestic":"12/yr (combined domestic + international terminals in India)","international":"included in the 12 visits"},"eligibility":{"minMonthlyIncomeINR":100000,"inviteOnly":false,"note":"HDFC publishes net monthly income above ₹1 lakh for salaried applicants and annual ITR above ₹15 lakh for self-employed applicants. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card"}},{"id":"hdfc-moneyback-plus","name":"MoneyBack+","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-moneyback-plus","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"2 CashPoints per ₹200 on eligible spends","pointName":"CashPoints","acceleratedRoutes":[{"channel":"Amazon/Flipkart/Swiggy/BigBasket/Reliance Smart SuperStore","label":"20 CashPoints per ₹200, capped at 2,500 CashPoints/month","monthlyCapINR":null,"monthlyCapPoints":2500}],"exclusions":["fuel","rent","wallet-load","emi","govt","cash-advance"],"recordedChanges":["Only transactions of ₹200 or multiples of ₹200 earn CashPoints.","Grocery earnings are capped at 1,000 CashPoints/month; RuPay UPI earnings are capped at 500 CashPoints/month. These route-specific caps are not separately modeled.","Statement credit is ₹0.20 per CashPoint and costs ₹50 per redemption. Catalogue and SmartBuy travel can be worth up to ₹0.25 per point, with separate redemption restrictions and handling fees.","Education payments through third-party apps do not earn rewards; direct school or college payments may earn the base rate."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":20000,"inviteOnly":false,"note":"HDFC publishes a ₹20,000 monthly salary indicator and says a healthy score is required, but it does not publish a hard bureau-score cutoff for approval."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card"}},{"id":"hdfc-freedom","name":"Freedom","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-freedom","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.5,"baseEarnLabel":"1 CashPoint per ₹200 on eligible spends","pointName":"CashPoints","acceleratedRoutes":[{"channel":"Swiggy/BigBasket/BookMyShow/OYO/Uber","label":"10 CashPoints per ₹200, capped at 2,500 CashPoints/month","monthlyCapINR":null,"monthlyCapPoints":2500}],"exclusions":["fuel","rent","wallet-load","emi","govt","cash-advance"],"recordedChanges":["At ₹0.15 per CashPoint, the base return is only 0.075% before the ₹50 redemption fee.","Only transactions of ₹200 or multiples of ₹200 earn CashPoints.","Utility and telecom earnings are each capped at 2,000 CashPoints/month; grocery at 1,000 points/month; RuPay UPI at 500 points/month.","Education payments through third-party apps do not earn rewards; direct school or college payments may earn the base rate.","The old 0.99% introductory interest feature is not available on cards sourced from 1 February 2024 onward."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":12001,"inviteOnly":false,"note":"Indian nationals. HDFC publishes gross monthly salary above ₹12,000 or self-employed ITR above ₹2 lakh/year, but no numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.hdfc.bank.in/credit-cards/freedom-credit-card"}},{"id":"hdfc-pixel-play","name":"PIXEL Play","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-pixel-play","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% PIXEL CashPoints on eligible general spends","pointName":"CashPoints","acceleratedRoutes":[{"channel":"2 chosen category packs (dining&entertainment / travel / grocery / electronics / fashion)","label":"5% PIXEL CashPoints on merchants in two packs selected during setup","monthlyCapINR":500,"monthlyCapPoints":null},{"channel":"1 chosen e-commerce merchant (Amazon/Flipkart/PayZapp)","label":"3% PIXEL CashPoints on one selected platform","monthlyCapINR":500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi","govt","cash-advance"],"recordedChanges":["The current product page advertises lifetime-free issuance, while HDFC's separate fee page still publishes the former ₹500 fee and ₹1 lakh waiver schedule; confirm the pricing displayed in the application journey.","The 5% and 3% rates depend on merchant packs and one platform selected during PayZapp setup; CardMasters does not apply them to generic category spend.","PIXEL CashPoints can be redeemed only after accumulating 1,000 points, into the PayZapp wallet for eligible brand-voucher purchases.","RuPay UPI earns 1%, capped at 500 CashPoints/month; SmartBuy can earn 5%, capped at ₹500/month, but overlapping offers cannot be combined.","1 Jul 2025: 1% fee on rent, utility above ₹50,000 and gaming/wallet loads above ₹10,000, subject to issuer caps; gaming and wallet-load spends earn no CashPoints."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":"Indian nationals. HDFC publishes ₹25,000 monthly salaried income or self-employed ITR above ₹6 lakh/year, but no numeric bureau-score cutoff. An FD-backed route is separately available without income proof."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card"}},{"id":"hdfc-irctc","name":"IRCTC HDFC Bank","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-irctc","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible retail spend; value requires IRCTC train-ticket redemption","pointName":"Reward Points","acceleratedRoutes":[{"channel":"IRCTC ticketing website / Rail Connect app","label":"5 Reward Points per ₹100, capped at 1,000 points/month","monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"Groceries","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"Utilities and telecom","label":null,"monthlyCapINR":null,"monthlyCapPoints":2000},{"channel":"Other eligible modeled spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000}],"exclusions":["fuel","rent","wallet-load","gift-card","prepaid-card","voucher","cash-advance","outstanding-balance","fees","government","education","gaming","smart-emi"],"recordedChanges":["Points redeem only for train tickets through HDFC SmartBuy: minimum 100 points, maximum 70% of fare, and ₹99 + GST per successful redemption.","The recommendation treats generic EMI as ineligible because the profile cannot distinguish eligible merchant-EMI principal from excluded Smart/Dial EMI, interest, processing fees and GST.","Rewards accrue only on settled transactions of at least ₹100 and complete ₹100 multiples; monthly profile totals cannot reproduce per-transaction rounding.","The separate 5% SmartBuy cashback is dynamic and capped at ₹1,000/month and ₹12,000/year, so it is disclosed but not included without routed-spend confirmation."]},"lounge":{"domestic":"none (airport)","international":"none","railway":"8/yr at select IRCTC Executive Lounges (2/quarter); valid card and train ticket required, with a non-refundable validation charge"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":"Indian residents: salaried monthly income ₹25,000+ or self-employed annual ITR above ₹6 lakh. Approval remains subject to HDFC Bank's internal policy; no issuer credit-score cutoff is published."},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/terms-and-conditions-irctc-hdfc-bank-credit-card.pdf"}},{"id":"sbi-simplyclick","name":"SimplyCLICK SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-simplyclick","tier":"entry","networks":["Visa","Mastercard","RuPay"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Apollo 24x7/BookMyShow/Cleartrip/Dominos/Gyftr/IGP/Myntra/Netmeds/Tata CLiQ/Yatra","label":"10 Reward Points per ₹100 at currently listed exclusive online partners","monthlyCapINR":null,"monthlyCapPoints":10000},{"channel":"all other online spends","label":"5 Reward Points per ₹100 on eligible other online spend","monthlyCapINR":null,"monthlyCapPoints":10000}],"exclusions":["fuel","rent","wallet-load","government","digital-gaming","cash-advance"],"recordedChanges":["SBI's current product page still includes Swiggy in its 10X list, but its dated customer notice reduced Swiggy to 5X from 1 April 2025; CardMasters applies the dated revision.","Utility payments made through SBI Card's website or app do not receive 5X rewards; they are valued only at the standard rate.","From 1 April 2026, statement-credit redemption uses fixed 4,000-point blocks and is capped at 60,000 points per card per calendar month; CardMasters conservatively values points at ₹0.25 through the rewards catalogue instead."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card publishes a general applicant age range of 21–70 and requires a regular income and satisfactory credit profile, but does not publish card-specific income or numeric bureau-score cutoffs for SimplyCLICK."},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/value-savings/simplyclick/simplyclick-sbi-card-rp-tnc.pdf"}},{"id":"sbi-prime","name":"SBI Card PRIME","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-prime","tier":"mid","networks":["Visa","Mastercard","RuPay"],"fees":{"joiningINR":2999,"annualINR":2999,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.5,"baseEarnLabel":null,"pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining/grocery/departmental stores/movies","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"birthday spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":["Jul 2025: complimentary ₹50L air accident insurance withdrawn","2025: Club Vistara Silver and Trident Privilege Red memberships discontinued","Apr 2026: statement-credit redemption capped at 60,000 pts/month in fixed 4,000-pt blocks"]},"lounge":{"domestic":"8/yr (2 per quarter)","international":"4/yr Priority Pass (2 per quarter)"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a numeric income or bureau-score cutoff for PRIME; approval remains subject to issuer underwriting."},"evidence":{"verifiedOn":"2026-08-06","sourceUrl":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html"}},{"id":"sbi-bpcl","name":"BPCL SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-bpcl","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible other retail purchases","pointName":"Reward Points","acceleratedRoutes":[{"channel":"BPCL fuel","label":"13 Reward Points per ₹100 at eligible BPCL fuel outlets","monthlyCapINR":null,"monthlyCapPoints":1300},{"channel":"dining/departmental stores/grocery/movies","label":"5 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend","monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["wallet-load","non-BPCL fuel"],"recordedChanges":["1 May 2026: annual-fee reversal threshold increased from ₹50,000 to ₹1,00,000 of annual spend.","BPCL fuel rewards require eligible BPCL merchant recognition; generic fuel spend is conservatively excluded from modeled value.","The ₹99 redemption fee plus GST applies to reward-redemption requests; route-specific terms may differ.","Fuel value combines 3.25% rewards with a 1% surcharge waiver on eligible BPCL POS transactions up to ₹4,000; the waiver is capped at ₹100 per statement cycle."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a numeric income or bureau-score cutoff for this product; approval remains subject to its underwriting policy."},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card.html"}},{"id":"sbi-bpcl-octane","name":"BPCL SBI Card OCTANE","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-bpcl-octane","tier":"mid","networks":["Visa","RuPay"],"fees":{"joiningINR":1499,"annualINR":1499,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Reward Points","acceleratedRoutes":[{"channel":"BPCL fuel/Bharatgas/lubricants","label":"25 Reward Points per ₹100 at eligible BPCL fuel and lubricant outlets","monthlyCapINR":null,"monthlyCapPoints":2500},{"channel":"Bharatgas website/app","label":"25 Reward Points per ₹100 on eligible Bharatgas website/app payments","monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"grocery/departmental/dining/movies","label":"10 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend","monthlyCapINR":null,"monthlyCapPoints":7500}],"exclusions":["fuel","wallet-load","non-BPCL fuel"],"recordedChanges":["BPCL fuel rewards require eligible BPCL merchant recognition; generic fuel spend is conservatively excluded from modeled value.","The ₹99 redemption fee plus GST applies to reward-redemption requests; route-specific terms may differ.","Fuel-surcharge waiver applies only to eligible BPCL POS fuel transactions and not UPI fuel payments."]},"lounge":{"domestic":"4/yr (1 per quarter, restricted Jan 2026)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/BPCLOctanetnc.pdf"}},{"id":"sbi-miles-elite","name":"SBI Card MILES ELITE","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-miles-elite","tier":"premium","networks":["Mastercard","RuPay"],"fees":{"joiningINR":4999,"annualINR":4999,"gstExtra":true,"waiverSpendINR":1500000},"forexMarkupPct":1.99,"rewards":{"baseRate":1,"baseEarnLabel":"2 Travel Credits per ₹200 on eligible other spend","pointName":"Travel Credits","acceleratedRoutes":[{"channel":"travel spends (air/rail/hotels/OTAs)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","wallet-load","rent","education","utility","insurance","quasi-cash","cash-advance","financial-charges","disputed-transactions","encash","atm-withdrawal","flexipay","merchant-emi"],"recordedChanges":["Travel Credits are valued at ₹0.50 through SBI Card travel bookings unless a user can realize a partner transfer value; CardMasters uses the lower published route.","Complimentary ₹1 crore air-accident insurance was discontinued on 15 July 2025."]},"lounge":{"domestic":"8/yr (maximum 2/quarter), plus 1 additional visit per cumulative ₹1 lakh spend; additional visits capped at 8/membership year","international":"6/yr through Priority Pass; paid thereafter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a numeric income or bureau-score cutoff for this product; approval remains subject to its underwriting policy."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-elite-tnc.pdf"}},{"id":"sbi-irctc-premier","name":"IRCTC SBI Card Premier","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-irctc-premier","tier":"mid","networks":["Visa","RuPay"],"fees":{"joiningINR":1499,"annualINR":1499,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.8,"baseEarnLabel":"1 Reward Point per ₹125 on eligible non-fuel retail purchases","pointName":"Reward Points","acceleratedRoutes":[{"channel":"IRCTC train tickets (AC classes)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"dining and standing instruction utility spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":["Rail, air and e-catering bonuses apply only through the named IRCTC channels and eligible bookings"]},"lounge":{"domestic":"none (airport)","international":"none","railway":"8/yr (2 per quarter)"},"eligibility":{"minMonthlyIncomeINR":30000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.sbicard.com/en/personal/credit-cards/irctc-premier-card.html"}},{"id":"amex-mrcc","name":"Membership Rewards Credit Card (MRCC)","bank":"American Express","url":"https://www.cardmasters.in/card/amex-mrcc","tier":"entry","networks":["Amex"],"fees":{"joiningINR":1000,"annualINR":4500,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"1 Membership Rewards point per ₹50 on eligible spend","pointName":"Membership Rewards","acceleratedRoutes":[],"exclusions":["fuel","insurance","utilities","cash-advance","emi"],"recordedChanges":["The ₹20,000 monthly milestone requires enrollment and both monthly milestones run on the calendar month, not the billing cycle.","Membership Rewards points have no expiry while the cardmember remains enrolled; after card cancellation, accrued points generally must be redeemed within 30 days."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":37500,"inviteOnly":false,"note":"American Express publishes good credit history with no payment defaults, but no numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.americanexpress.com/in/credit-cards/membership-rewards-card/"}},{"id":"amex-smartearn","name":"SmartEarn","bank":"American Express","url":"https://www.cardmasters.in/card/amex-smartearn","tier":"entry","networks":["Amex"],"fees":{"joiningINR":495,"annualINR":495,"gstExtra":true,"waiverSpendINR":40000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"1 Membership Rewards point per ₹50 on eligible spend","pointName":"Membership Rewards","acceleratedRoutes":[{"channel":"selected 10X merchants excluding Zomato and EaseMyTrip","label":null,"monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"Zomato and EaseMyTrip","label":null,"monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"Amazon","label":null,"monthlyCapINR":null,"monthlyCapPoints":250}],"exclusions":["fuel","insurance","utilities","cash-advance"],"recordedChanges":["Membership Rewards points do not expire while the Card account remains active and in good standing.","Point-of-sale and merchant-site EMI do not earn points; American Express SafeKey EMI and post-purchase conversions remain eligible under issuer terms.","Accelerated partners and caps can change. CardMasters does not apply merchant-only rates to broad spend categories."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":37500,"inviteOnly":false,"note":"American Express publishes personal annual income of at least ₹4.5 lakh for employed applicants and ₹6 lakh for self-employed applicants, age over 18, Indian residency, good credit history and no payment defaults. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.americanexpress.com/in/credit-cards/smart-earn-credit-card/"}},{"id":"amex-gold-charge","name":"Gold Charge Card","bank":"American Express","url":"https://www.cardmasters.in/card/amex-gold-charge","tier":"mid","networks":["Amex"],"fees":{"joiningINR":1000,"annualINR":4500,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"1 Membership Rewards point per ₹50 on eligible spends, including utility payments","pointName":"Membership Rewards","acceleratedRoutes":[],"exclusions":["fuel","insurance","cash-advance"],"recordedChanges":["No Membership Rewards points on fuel from 12 June 2025, insurance or cash withdrawals","Utility earn is capped at 10,000 Membership Rewards points per calendar month"]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.americanexpress.com/in/charge-cards/gold-card/"}},{"id":"axis-flipkart","name":"Flipkart Axis Bank","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-flipkart","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":500,"gstExtra":true,"waiverSpendINR":350000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% cashback on other eligible spends","pointName":"Cashback","acceleratedRoutes":[{"channel":"Myntra","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Flipkart (excluding Flipkart Health)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Cleartrip","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"issuer-listed preferred merchants","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","gift-card","emi","insurance","utility","telecom","education","government","financial-institution","gold-jewellery","cash-advance","card-fees"],"recordedChanges":["20 Jun 2025: 5% cashback on Flipkart and on Cleartrip each capped at ₹4,000/statement quarter (was uncapped).","20 Jun 2025: 4 complimentary domestic lounge visits discontinued entirely."]},"lounge":{"domestic":"none (removed June 2025)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes age 18–70 and Indian residency for this card, but no card-specific minimum income or credit-score cutoff; approval remains at the bank's discretion"},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card"}},{"id":"axis-airtel","name":"Airtel Axis Bank","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-airtel","tier":"entry","networks":["Visa"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% cashback on eligible other spends","pointName":"Cashback","acceleratedRoutes":[{"channel":"Airtel mobile/broadband/DTH via Airtel Thanks app","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"utility bills via Airtel Thanks","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Zomato/Blinkit/District Movies","label":null,"monthlyCapINR":200,"monthlyCapPoints":null}],"exclusions":["cash-advance","financial-institution","fuel","rent","wallet-load","emi","fees","jewellery","insurance","education","government","utility","telecom"],"recordedChanges":["Airtel and utility cashback caps are dynamic from 12 Apr 2026. With no eligible base spend in a statement month, those two categories earn no cashback.","12 Apr 2026: 4 complimentary domestic lounge visits removed entirely.","Zomato, Blinkit and District Movies benefits are partner-wallet value-back, not statement cashback; CardMasters does not infer this merchant-routed value from broad spend.","From 28 Aug 2026, Axis says the DCC markup rises from 1.5% to 3.5%, gift cards remain excluded, and bridge, road and toll spends become excluded."]},"lounge":{"domestic":"none (4/yr removed Apr 2026)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis publishes age 18–70 and Indian residency as indicative criteria, but no card-specific income or numeric bureau-score cutoff."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf"}},{"id":"axis-neo","name":"Neo","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-neo","tier":"entry","networks":["Visa"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":0.5,"baseEarnLabel":"1 EDGE Reward Point per ₹200 on eligible spend","pointName":"EDGE Reward Points","acceleratedRoutes":[],"exclusions":["fuel","rent","wallet-load","insurance","government","utility","education","cash-advance","outstanding-balance"],"recordedChanges":["At ₹0.20 per point, base rewards equal about 0.10% before the redemption fee; Neo's main value comes from merchant discounts that CardMasters does not add to generic-spend estimates.","From 1 July 2025, Zomato provides flat ₹120 off at ₹499 minimum order value, twice monthly; RuPay UPI-linked Neo payments are excluded.","Axis may forfeit unredeemed points 30 days after card closure or after minimum amount due remains outstanding for more than 90 days."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis publishes age 18–70 and Indian resident or NRI status for Neo, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card"}},{"id":"axis-privilege","name":"Privilege","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-privilege","tier":"mid","networks":["Visa Signature"],"fees":{"joiningINR":1500,"annualINR":1500,"gstExtra":true,"waiverSpendINR":500000},"forexMarkupPct":3.5,"rewards":{"baseRate":5,"baseEarnLabel":null,"pointName":"EDGE Reward Points","acceleratedRoutes":[],"exclusions":["fuel","rent","wallet-load","insurance","utility","jewellery","government","education"],"recordedChanges":["20 April 2024: gold and jewellery added to points exclusions; government, utilities, gold and jewellery, rent, wallet, insurance, fuel and education excluded from milestone and fee-waiver calculations","EDGE miles transfer partners split into Group A (1L pts/yr cap) and Group B (4L pts/yr cap)"]},"lounge":{"domestic":"2/quarter (₹50,000 spend in previous 3 months)","international":"none"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/privilege-credit-card-with-unlimited-benefits"}},{"id":"axis-horizon","name":"Horizon","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-horizon","tier":"premium","networks":["Visa Signature","Mastercard World"],"fees":{"joiningINR":3000,"annualINR":3000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 EDGE Miles per ₹100 on other eligible spend","pointName":"EDGE Miles","acceleratedRoutes":[{"channel":"Axis Travel EDGE and direct airline websites","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","insurance","utility","telecom","education","government","transportation","tolls"],"recordedChanges":["Travel EDGE and direct-airline transactions earn 5 EDGE Miles per ₹100; online travel agencies and travel agents earn only the 2-mile base rate.","The 5,000-mile welcome benefit is one-time and requires a first transaction of at least ₹1,000 within 30 days, so it is excluded from recurring value.","The 1,500-mile renewal benefit starts from the second anniversary year and is excluded from the recurring estimate because it depends on renewal-fee payment."]},"lounge":{"domestic":"6/quarter on Mastercard World or 8/quarter on Visa Signature","international":"2/quarter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes an indicative 18–70 age range and Indian-residency requirement, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card"}},{"id":"axis-my-zone","name":"My Zone","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-my-zone","tier":"entry","networks":["Mastercard","RuPay"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"4 EDGE Reward Points per ₹200 on eligible spend","pointName":"EDGE Reward Points","acceleratedRoutes":[],"exclusions":["movie","fuel","insurance","wallet-load","rent","utility","telecom","jewellery","education","government","emi","cash-advance","repayments"],"recordedChanges":["1 April 2026: SonyLIV renewal on ₹1.5 lakh annual spend was discontinued and replaced by a 1,000-point annual-spend milestone.","Movie transactions do not earn EDGE Reward Points even though the card carries a separate District ticket offer.","Axis Bank has announced another My Zone terms update effective 28 August 2026; CardMasters must recheck this record when the revised terms take effect."]},"lounge":{"domestic":"1/quarter after ₹50,000 spend in the previous 3 months","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes an indicative 18–70 age range and resident/NRI requirement, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card"}},{"id":"axis-rewards","name":"Rewards","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-rewards","tier":"entry","networks":["Visa","Mastercard"],"fees":{"joiningINR":1000,"annualINR":1000,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1.6,"baseEarnLabel":"2 EDGE Reward Points per ₹125 on eligible spend","pointName":"EDGE Reward Points","acceleratedRoutes":[{"channel":"apparel and department stores","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["transportation","tolls","utility","telecom","insurance","education","government","wallet-load","wire-transfer","rent","fuel"],"recordedChanges":["1 July 2025: the Swiggy offer changed to a flat ₹150 instant discount on eligible ₹500+ orders, twice per calendar month.","The 5,000-point welcome benefit is one-time and requires ₹1,000 cumulative net spend within 30 days, so it is excluded from recurring value.","The anniversary membership bouquet depends on renewal-fee payment and settlement of the minimum amount due, so it is excluded from the recurring estimate."]},"lounge":{"domestic":"2/quarter after ₹50,000 spend in the previous 3 calendar months","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes an indicative 18–70 age range and resident-Indian requirement, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/rewards-credit-card"}},{"id":"axis-cashback","name":"Cashback","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-cashback","tier":"entry","networks":["Visa","Mastercard"],"fees":{"joiningINR":1000,"annualINR":1000,"gstExtra":true,"waiverSpendINR":400000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.75,"baseEarnLabel":"0.75% statement cashback on eligible offline and travel spend","pointName":"Cashback","acceleratedRoutes":[{"channel":"eligible online spend excluding travel","label":null,"monthlyCapINR":4000,"monthlyCapPoints":null},{"channel":"eligible utility bill payments","label":null,"monthlyCapINR":100,"monthlyCapPoints":null}],"exclusions":["transportation","tolls","insurance","education","jewellery","precious-metals","watches","government","wallet-load","rent","fuel"],"recordedChanges":["20 June 2025: cashback exclusions moved from individual MCC identification to spend-category identification; the excluded categories did not change.","The ₹1,000 welcome value is a one-time 5,000-point benefit after the first transaction within 30 days for eligible joining-fee customers, so it is excluded from recurring value.","Axis Bank has announced another Cashback Card terms update effective 28 August 2026; CardMasters must recheck this record when the revised terms take effect."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes an indicative 18–70 age range and resident-Indian requirement, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-23","sourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-cashback-credit-card-tnc.pdf?sfvrsn=d015df26_3"}},{"id":"axis-select","name":"Select","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-select","tier":"premium","networks":["Mastercard World"],"fees":{"joiningINR":3000,"annualINR":3000,"gstExtra":true,"waiverSpendINR":800000},"forexMarkupPct":3.5,"rewards":{"baseRate":5,"baseEarnLabel":"10 EDGE Reward Points per ₹200 on eligible spend","pointName":"EDGE Reward Points","acceleratedRoutes":[{"channel":"retail shopping (first ₹20,000/mo)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","insurance","utility","jewellery","government","education"],"recordedChanges":["Axis Bank has announced another terms update effective 28 August 2026; CardMasters must recheck this record when the revised terms take effect.","Retail Shopping includes department stores, grocery and apparel, but CardMasters models only grocery because the profile does not capture the other merchant categories.","EDGE Reward Points on EMI-converted purchases are reversed and are not restored if the EMI is cancelled."]},"lounge":{"domestic":"2/quarter (₹50,000 spend in previous 3 months)","international":"up to 12/yr through Priority Pass; membership renews after ₹3 lakh preceding anniversary-year spend"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":"Axis publishes indicative age, resident-Indian and ₹6 lakh annual net-income criteria, but no numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card"}},{"id":"axis-samsung-signature","name":"Samsung Axis Bank Signature","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-samsung-signature","tier":"entry","networks":["Visa Signature"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":5,"baseEarnLabel":"5 EDGE Reward Points per ₹100 on eligible domestic and international spend","pointName":"EDGE Reward Points / Samsung cashback","acceleratedRoutes":[{"channel":"Samsung purchases (store/online/Samsung Shop app)","label":"10% statement cashback on eligible Samsung purchases","monthlyCapINR":2500,"monthlyCapPoints":null},{"channel":"bigbasket/Tata 1mg/Urban Company/Myntra/Zomato","label":"10 EDGE Reward Points per ₹100 at current preferred partners","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","insurance","government","utility","school","jewellery","financial-institution","cash-advance","fees"],"recordedChanges":["Axis Bank has announced another terms update effective 28 August 2026; CardMasters must recheck this record when the revised terms take effect.","Samsung cashback and preferred-partner rewards require eligible merchant routing and are excluded from generic-spend estimates.","EDGE Reward Points expire after three years and can also expire after 365 consecutive days without an earn, redemption or EDGE REWARDS login."]},"lounge":{"domestic":"4/yr (₹50,000 spend in previous 3 months)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Axis Bank publishes an indicative 18–70 age range and Indian-residency requirement, but no card-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-signature-credit-card"}},{"id":"axis-indigo","name":"IndiGo","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-indigo","tier":"entry","networks":["RuPay","Visa"],"fees":{"joiningINR":799,"annualINR":799,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 IndiGo BluChip per ₹100 on eligible spends","pointName":"IndiGo BluChips","acceleratedRoutes":[{"channel":"IndiGo channels (flights/website/app)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"grocery & dining","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["government","insurance","utilities","telecom","rent","wallet-load","fuel","jewellery","emi","cash-advance","fees"],"recordedChanges":["1 Jun–31 Jul 2026: Axis doubles the standard welcome voucher under a limited-period offer; recurring value uses the standard benefit","No rewards or milestone spend credit on government, insurance, utilities/telecom, rent, fuel, jewellery, wallet, EMI, cash-withdrawal, fee or charge transactions","Non-IndiGo UPI earn is capped at 750 BluChips per statement month"]},"lounge":{"domestic":"4/yr (1/quarter on ₹50k spend in prior 3 months)","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/final_indigo-base_customer-tnc.pdf?sfvrsn=797c78d0_2"}},{"id":"axis-indigo-premium","name":"IndiGo Premium","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-indigo-premium","tier":"mid","networks":["RuPay","Visa"],"fees":{"joiningINR":5000,"annualINR":5000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":2.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 BluChips per ₹100 on eligible spends","pointName":"IndiGo BluChips","acceleratedRoutes":[{"channel":"IndiGo channels (flights/website/app)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"grocery & hotels","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["government","insurance","utilities","telecom","rent","wallet-load","fuel","jewellery"],"recordedChanges":["1 Jun–31 Jul 2026: Axis doubles the welcome BluChips under a limited-period offer; standard welcome value remains 5,000 BluChips","No annual-fee waiver — ₹5,000 + GST charged every year regardless of spend","No rewards on government, insurance, utilities/telecom, rent, fuel, jewellery or wallet loads"]},"lounge":{"domestic":"8/yr (2/quarter on ₹50k spend in prior 3 months)","international":"2/yr (Priority Pass)"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-premium-credit-card"}},{"id":"icici-sapphiro","name":"Sapphiro","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-sapphiro","tier":"premium","networks":["Visa Signature","Mastercard World","Amex","RuPay"],"fees":{"joiningINR":6500,"annualINR":3500,"gstExtra":true,"waiverSpendINR":600000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend","pointName":"ICICI Reward Points","acceleratedRoutes":[{"channel":"international spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"utility, insurance and government payments","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","cash-advance","fees"],"recordedChanges":["Rent and e-wallet loads do not earn points. Fuel, cash withdrawals, fees and EMI transactions are also excluded under current ICICI terms.","ICICI charges ₹99 plus GST for each reward redemption request.","Unredeemed points expire after three years and are forfeited when the Credit Card account is closed."]},"lounge":{"domestic":"4/quarter (₹75,000 spend in previous quarter)","international":"2/yr + complimentary Priority Pass membership"},"eligibility":{"minMonthlyIncomeINR":75000,"inviteOnly":false,"note":"ICICI publishes Indian citizenship, age 21–65, ₹75,000 monthly salary or ₹9 lakh annual self-employed income. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card"}},{"id":"icici-rubyx","name":"Rubyx","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-rubyx","tier":"mid","networks":["Visa","Mastercard","Amex","RuPay"],"fees":{"joiningINR":3000,"annualINR":2000,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend","pointName":"ICICI Reward Points","acceleratedRoutes":[{"channel":"international spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"utility, insurance and government payments","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","cash-advance","fees"],"recordedChanges":["Rent and e-wallet loads do not earn points. Fuel, cash withdrawals, fees and EMI transactions are also excluded under current ICICI terms.","ICICI charges ₹99 plus GST for each reward redemption request.","Unredeemed points expire after three years and are forfeited when the Credit Card account is closed."]},"lounge":{"domestic":"2/quarter (₹75,000 spend in previous quarter)","international":"none"},"eligibility":{"minMonthlyIncomeINR":75000,"inviteOnly":false,"note":"ICICI publishes Indian citizenship, age over 21, ₹75,000 monthly salary or ₹9 lakh annual self-employed income. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card"}},{"id":"icici-coral","name":"Coral","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-coral","tier":"entry","networks":["Visa","Mastercard","RuPay"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 ICICI Bank Reward Points per ₹100 on eligible retail spend","pointName":"ICICI Reward Points","acceleratedRoutes":[{"channel":"utility, insurance and government payments","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","cash-advance","fees"],"recordedChanges":["Rent and e-wallet loads do not earn points. Fuel, cash withdrawals, fees and EMI transactions are also excluded under current ICICI terms.","ICICI charges ₹99 plus GST for each reward redemption request; CardMasters includes one such request when points create redeemable annual value.","Unredeemed points expire after three years and are forfeited when the Credit Card account is closed."]},"lounge":{"domestic":"1/quarter (₹75,000 spend in previous quarter)","international":"none"},"eligibility":{"minMonthlyIncomeINR":20000,"inviteOnly":false,"note":"ICICI publishes Indian citizenship, age over 21, ₹20,000 monthly salary or ₹2.4 lakh annual self-employed income. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card"}},{"id":"icici-hpcl-super-saver","name":"HPCL Super Saver","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-hpcl-super-saver","tier":"entry","networks":["Visa"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 ICICI Bank Reward Points per ₹100 on eligible retail spends","pointName":"ICICI Reward Points","acceleratedRoutes":[{"channel":"HPCL fuel","label":"4% statement cashback","monthlyCapINR":200,"monthlyCapPoints":null},{"channel":"utility/grocery/departmental stores","label":"20 points per ₹100 (about 5% at ₹0.25/point)","monthlyCapINR":null,"monthlyCapPoints":400}],"exclusions":["emi","cash-advance","fees"],"recordedChanges":["The 400-point essential-spend cap is shared across utilities, groceries, telecom, government, tax and departmental-store transactions","The 1% HPCL surcharge waiver applies only to ₹400–₹4,000 transactions; separate HP Pay Happy Coins require the HP Pay route and are excluded from recurring value"]},"lounge":{"domestic":"1/quarter (₹75,000 spend in previous quarter)","international":"none"},"eligibility":{"minMonthlyIncomeINR":20000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/hpcl-super-saver-credit-card-tnc-updated.pdf"}},{"id":"icici-makemytrip","name":"MakeMyTrip ICICI Bank","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-makemytrip","tier":"mid","networks":["Mastercard","RuPay"],"fees":{"joiningINR":999,"annualINR":999,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":0.99,"rewards":{"baseRate":1,"baseEarnLabel":"1 myCash per ₹100 on eligible other retail spend","pointName":"myCash","acceleratedRoutes":[{"channel":"MakeMyTrip hotels","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"MakeMyTrip flights, buses and cabs","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["rent","cash-advance","late-payment-fee","emi","fees","balance-transfer","personal-loan"],"recordedChanges":["myCash is credited to the primary Cardholder's MakeMyTrip wallet, does not expire, and cannot be encashed or transferred to a bank account.","MakeMyTrip-specific earn is not applied to generic travel spend unless CardMasters can observe the merchant route."]},"lounge":{"domestic":"2/quarter after ₹75,000 spend in previous calendar quarter; primary Cardholder only","international":"1/yr; primary Cardholder only"},"eligibility":{"minMonthlyIncomeINR":20000,"inviteOnly":false,"note":"ICICI publishes Indian citizenship, age over 21, ₹20,000 monthly salary or ₹2.4 lakh annual self-employed income. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/makemytrip-icici-bank-credit-card"}},{"id":"icici-times-black","name":"Times Black","bank":"ICICI Bank","url":"https://www.cardmasters.in/card/icici-times-black","tier":"super-premium","networks":["Visa Infinite"],"fees":{"joiningINR":20000,"annualINR":20000,"gstExtra":true,"waiverSpendINR":2500000},"forexMarkupPct":1.49,"rewards":{"baseRate":2,"baseEarnLabel":"2 ICICI Bank Reward Points per ₹100 on eligible domestic spend","pointName":"ICICI Reward Points","acceleratedRoutes":[{"channel":"international spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"utility, insurance, education and government payments","label":null,"monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["fuel","rent","emi"],"recordedChanges":["CardMasters values Reward Points at the published ₹0.40 statement-credit rate, not the up-to-₹1 catalog value.","iShop advertises up to 6X on flights and vouchers and up to 12X on hotels; portal-specific variable rates are not applied to generic travel spend."]},"lounge":{"domestic":"unlimited","international":"unlimited via Priority Pass for primary and Plus Cardholders"},"eligibility":{"minMonthlyIncomeINR":200000,"inviteOnly":false,"note":"ICICI publishes Indian citizenship, age over 21, ₹2 lakh monthly salary or ₹24 lakh annual self-employed income. No numeric bureau-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card"}},{"id":"kotak-league-platinum","name":"League Platinum","bank":"Kotak Mahindra Bank","url":"https://www.cardmasters.in/card/kotak-league-platinum","tier":"entry","networks":["Visa Platinum"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":2.667,"baseEarnLabel":"4 Reward Points per ₹150 on eligible spend below ₹2 lakh a year","pointName":"Kotak Reward Points","acceleratedRoutes":[{"channel":"travel agencies, tour operators, airlines, electronics, durable goods and departmental stores","label":"8 Reward Points per ₹150 on issuer-listed special categories, and on all eligible spend once ₹2 lakh of annual spend is reached","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card/fees-and-charges.html"}},{"id":"idfc-first-wealth","name":"FIRST Wealth","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-wealth","tier":"premium","networks":["Visa Infinite"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":1.5,"rewards":{"baseRate":1.5,"baseEarnLabel":"3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point)","pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining, travel, international and birthday spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","emi","cash-advance","fees","loan-on-card","balance-transfer"],"recordedChanges":["Effective 18 June 2026: base unit changed to ₹200, 10X moved to dining/travel/international from first eligible transaction, and points earned from the July 2026 statement cycle expire after 24 months","Utilities, insurance, railway spends and FASTag recharge earn only 1 point per ₹200; rent, government, education and wallet load are outside the 10X categories","Rewards apply only to spends up to the credit limit in each billing cycle; redemption costs ₹99 plus GST"]},"lounge":{"domestic":"1/quarter after ₹20K spend in the previous calendar month","international":"1/quarter after ₹20K spend in the previous calendar month","guests":"none"},"eligibility":{"minMonthlyIncomeINR":300000,"inviteOnly":false,"note":"IDFC FIRST Bank publishes annual income of ₹36 lakh or more; approval remains subject to bank assessment. No numeric credit-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/wealth"}},{"id":"idfc-power-plus","name":"HPCL Power+ ","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-power-plus","tier":"entry","networks":["RuPay","Visa"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":null,"pointName":"Reward Points","acceleratedRoutes":[{"channel":"HPCL fuel (card + Happy Coins via HP Pay app)","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"grocery and utility","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["rent","emi","wallet-load","non-HPCL fuel earns base only"],"recordedChanges":[]},"lounge":{"domestic":"1 complimentary visit per quarter on minimum monthly spend of ₹20,000","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card"}},{"id":"au-lit","name":"LIT","bank":"AU Small Finance Bank","url":"https://www.cardmasters.in/card/au-lit","tier":"entry","networks":["Visa"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.49,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible retail spend","pointName":"Reward Points","acceleratedRoutes":[{"channel":"selected online or offline paid feature","label":"Up to 10 Reward Points per ₹100 with a separately paid 90-day feature","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"selected category or milestone paid feature","label":"Up to 5% cashback with a separately paid 90-day feature","monthlyCapINR":500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","cash-advance","school","government","quasi-cash"],"recordedChanges":["LIT has no joining or annual membership fee, but optional features carry separate 90-day fees plus GST and auto-renew unless disabled.","Paid 5X/10X, cashback, fuel-waiver and lounge features are not included in recommendation value unless CardMasters can observe both selection and fee.","Utility and telecom earn one base point per ₹100 but are capped at 100 points per transaction; aggregate monthly inputs cannot reproduce that transaction-level cap."]},"lounge":{"domestic":"available only as a paid selectable feature","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"AU publishes employment-specific age ranges and Indian residency, but no LIT-specific income or numeric bureau-score cutoff. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.au.bank.in/lit-terms-and-conditions"}},{"id":"rbl-world-safari","name":"World Safari","bank":"RBL Bank","url":"https://www.cardmasters.in/card/rbl-world-safari","tier":"mid","networks":["Mastercard World"],"fees":{"joiningINR":3000,"annualINR":3000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":2,"baseEarnLabel":"2 Reward Points per ₹100 on eligible domestic retail spend; international purchases earn no Reward Points","pointName":"Travel Points","acceleratedRoutes":[{"channel":"travel purchases","label":"5 Reward Points per ₹100 on eligible travel purchases","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","insurance","international-spend","rent","wallet-load"],"recordedChanges":["International purchases earn no Reward Points; the card's overseas value comes from the 0% foreign currency markup rather than rewards."]},"lounge":{"domestic":"2 complimentary visits per quarter within India, subject to ₹35,000 spend in the previous calendar quarter","international":"2 complimentary visits outside India per calendar year, plus an additional visit on ₹50,000 spend in a calendar quarter"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-safari-credit-card"}},{"id":"rbl-indian-oil","name":"IndianOil RBL Bank","bank":"RBL Bank","url":"https://www.cardmasters.in/card/rbl-indian-oil","tier":"entry","networks":["RuPay","Mastercard"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":175000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.5,"baseEarnLabel":"1 Fuel Point per ₹100 on non-fuel spend; 10 Fuel Points per ₹100 at IndianOil fuel stations","pointName":"Fuel Points","acceleratedRoutes":[{"channel":"IndianOil fuel stations","label":"10 Fuel Points per ₹100 at IndianOil fuel stations, capped at 1,000 Fuel Points per month","monthlyCapINR":null,"monthlyCapPoints":1000}],"exclusions":["utility","insurance","irctc","rent","education","wallet-load","government","emi","fees","non-IOCL fuel"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/indianoil-rbl-bank-credit-card"}},{"id":"indusind-tiger","name":"Tiger","bank":"IndusInd Bank","url":"https://www.cardmasters.in/card/indusind-tiger","tier":"entry","networks":["Visa"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":1.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible spend","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["fuel"],"recordedChanges":["Annual reward multipliers apply progressively to incremental anniversary-year spend, not retroactively to all spend.","Fuel earns no points. Utility, insurance, government, education, real-estate and rent transactions do not earn accelerated points.","Cash-credit redemption is capped at 5,000 Reward Points per calendar month."]},"lounge":{"domestic":"8/yr (no spend condition)","international":"2/yr"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"IndusInd does not publish a Tiger-specific numeric income or bureau-score cutoff on the current product page or MITC. Final approval remains with the issuer."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html"}},{"id":"indusind-eazydiner","name":"EazyDiner","bank":"IndusInd Bank","url":"https://www.cardmasters.in/card/indusind-eazydiner","tier":"mid","networks":["Visa"],"fees":{"joiningINR":2999,"annualINR":2999,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"10 Reward Points per ₹100 on hotel and travel bookings, shopping and entertainment (issuer values a Reward Point at ₹0.10)","pointName":"Reward Points","acceleratedRoutes":[{"channel":"hotel and travel bookings, shopping and entertainment","label":"10 Reward Points per ₹100 on hotel and travel booking, shopping and entertainment","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel"],"recordedChanges":[]},"lounge":{"domestic":"2/quarter (spend condition may apply)","international":"none"},"eligibility":{"minMonthlyIncomeINR":40000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-credit-card.html"}},{"id":"yes-marquee","name":"Marquee","bank":"Yes Bank","url":"https://www.cardmasters.in/card/yes-marquee","tier":"super-premium","networks":["Mastercard World Elite"],"fees":{"joiningINR":9999,"annualINR":4999,"gstExtra":true,"waiverSpendINR":1000000},"forexMarkupPct":1,"rewards":{"baseRate":9,"baseEarnLabel":"18 YES Rewardz Points per ₹200 on eligible offline and other non-accelerated retail spend","pointName":"YES Rewardz Points","acceleratedRoutes":[{"channel":"online travel & airline spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"utility spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":750}],"exclusions":["fuel","rent","wallet-load","government","marketing-advertising","cash-advance","fees","post-purchase-emi","emi-on-call","instant-emi","insurance","education","railway","toll","ferry"],"recordedChanges":["CardMasters uses the published ₹0.10 statement-credit value; the up-to-₹0.25 flight and hotel value depends on redemption route.","Online travel and airline acceleration is not applied to generic travel spend because the profile does not capture online merchant routing.","A ₹100 plus GST fee applies to each reward redemption request from 15 June 2026."]},"lounge":{"domestic":"6/quarter (₹1L quarterly spend condition), incl add-on","international":"unlimited for primary + add-on"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"YES BANK does not publish a numeric income or bureau-score cutoff for MARQUEE; approval remains subject to internal underwriting."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card"}},{"id":"yes-pop-club","name":"POP-CLUB Credit Card","bank":"Yes Bank","url":"https://www.cardmasters.in/card/yes-pop-club","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":399,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 POPcoins per ₹100 on eligible non-online retail spend","pointName":"POPcoins","acceleratedRoutes":[{"channel":"online spend","label":"10 POPcoins per ₹100 on eligible online spend","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","utility","government","marketing-advertising","cash-advance","fees"],"recordedChanges":["CardMasters models ₹0.50 per POPcoin conservatively from POP's current 5%-back claim and YES BANK's published 10 POPcoins per ₹100 online earn; actual POP-app redemption options can vary.","Government and marketing/advertising transactions stop earning from the issuer's June 2026 statement cycle update."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"YES BANK does not publish a numeric income or bureau-score floor for this card; approval remains subject to issuer underwriting."},"evidence":{"verifiedOn":"2026-08-11","sourceUrl":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards"}},{"id":"yes-paisasave","name":"Paisabazaar PaisaSave","bank":"Yes Bank","url":"https://www.cardmasters.in/card/yes-paisasave","tier":"entry","networks":["Mastercard","RuPay (virtual)"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"dining (Swiggy/Zomato/restaurants) + travel (MMT/EaseMyTrip/airlines/hotels)","label":null,"monthlyCapINR":3000,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","utility","education","insurance","emi","government","medical","jewellery"],"recordedChanges":["Originally launched with 3% on online shopping; structure shifted to 6% dining+travel — verify current category list before applying"]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.yes.bank.in/sites/yesbank/personal-banking/yes-individual/cards/credit-cards/paisabazaar-credit-card"}},{"id":"hsbc-live-plus","name":"Live+","bank":"HSBC","url":"https://www.cardmasters.in/card/hsbc-live-plus","tier":"entry","networks":["Visa"],"fees":{"joiningINR":999,"annualINR":999,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1.5,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"dining, food delivery, grocery","label":null,"monthlyCapINR":1000,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi","insurance","utilities"],"recordedChanges":[]},"lounge":{"domestic":"4/yr (1 per quarter)","international":"none"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.hsbc.co.in/credit-cards/products/live-plus/"}},{"id":"hsbc-travelone","name":"TravelOne","bank":"HSBC","url":"https://www.cardmasters.in/card/hsbc-travelone","tier":"premium","networks":["Mastercard World"],"fees":{"joiningINR":4999,"annualINR":4999,"gstExtra":true,"waiverSpendINR":800000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 Reward Points per ₹100 on eligible spend; CardMasters models a conservative ₹0.30/point because issuer redemption values vary","pointName":"Reward Points","acceleratedRoutes":[{"channel":"airlines, travel aggregators and foreign-currency spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":50000}],"exclusions":["fuel","rent","wallet-load","insurance","education","government","utility","jewellery","tax","money-transfer","financial-institution","bail-bond","cash-advance","fees"],"recordedChanges":["The 4-points-per-₹100 accelerator covers flights, published travel-aggregator MCCs and foreign-currency transactions; it is capped at 50,000 points/month then reverts to base earning","Partner conversion ratios and rupee values vary; CardMasters uses an explicitly internal ₹0.30 conservative estimate rather than presenting a dynamic issuer value as guaranteed","Merchant Category Codes control earning; utilities, education, government, jewellery, insurance, tax and several financial transaction types earn no points"]},"lounge":{"domestic":"6/yr (HSBC TravelOne lounge program, 50+ lounges)","international":"4/yr via LoungeKey"},"eligibility":{"minMonthlyIncomeINR":50000,"inviteOnly":false,"note":"HSBC publishes ₹6 lakh annual income for salaried applicants and ₹12 lakh for self-employed applicants. No numeric credit-score cutoff is published."},"evidence":{"verifiedOn":"2026-08-01","sourceUrl":"https://www.hsbc.co.in/credit-cards/products/travelone/"}},{"id":"sc-ultimate","name":"Ultimate","bank":"Standard Chartered","url":"https://www.cardmasters.in/card/sc-ultimate","tier":"premium","networks":["Mastercard"],"fees":{"joiningINR":5000,"annualINR":5000,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":2,"rewards":{"baseRate":3.33,"baseEarnLabel":"3.33% on most eligible spends; 2% on six revised categories","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["fuel","wallet-load"],"recordedChanges":["Utilities, supermarkets, insurance, rent/property management, schools and government payments earn 3 points per ₹150 (2%), not the headline 5 points per ₹150","Fuel earns no reward points; a 1% surcharge waiver is capped at ₹1,000/month","Rent payments also incur a 1% processing fee plus taxes"]},"lounge":{"domestic":"4 complimentary visits per calendar quarter","international":"1 Priority Pass visit/month after ₹20,000 card spend in the previous month"},"eligibility":{"minMonthlyIncomeINR":60000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-23","sourceUrl":"https://www.sc.bank.in/credit-cards/ultimate-card/"}},{"id":"sc-easemytrip","name":"EaseMyTrip","bank":"Standard Chartered","url":"https://www.cardmasters.in/card/sc-easemytrip","tier":"entry","networks":["Visa"],"fees":{"joiningINR":350,"annualINR":350,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"2 Reward Points per ₹100 on other retail spend (issuer values 2 points at ₹0.50)","pointName":"Reward Points","acceleratedRoutes":[{"channel":"standalone hotel and airline websites, apps and outlets","label":"10x rewards per ₹100 spent booking tickets at standalone hotel and airline websites, apps or outlets","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":["From 15 October 2024, complimentary international lounge access (within and outside India) was discontinued; domestic access is 2 visits per calendar year."]},"lounge":{"domestic":"2 complimentary visits per calendar year","international":"none — discontinued from 15 October 2024"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.sc.bank.in/credit-cards/easemytrip-credit-card/"}},{"id":"bob-eterna","name":"Eterna","bank":"Bank of Baroda (BOBCARD)","url":"https://www.cardmasters.in/card/bob-eterna","tier":"premium","networks":["Visa Signature"],"fees":{"joiningINR":2499,"annualINR":2499,"gstExtra":true,"waiverSpendINR":250000},"forexMarkupPct":2,"rewards":{"baseRate":3,"baseEarnLabel":"3 RP/₹100 (worth ₹0.75 as cashback)","pointName":"Reward Points","acceleratedRoutes":[{"channel":"online shopping, travel, dining, movies, international","label":"15 RP/₹100 (worth 3.75% as cashback)","monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["fuel","rent","wallet-load","cash-withdrawal","emi","grocery","insurance","education","government","charity","agriculture"],"recordedChanges":[]},"lounge":{"domestic":"unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026)","international":"none complimentary"},"eligibility":{"minMonthlyIncomeINR":100000,"inviteOnly":false,"note":"Issuer publishes net annual income above ₹12 lakh for salaried and self-employed applicants; final approval remains discretionary"},"evidence":{"verifiedOn":"2026-07-28","sourceUrl":"https://www.bobcard.co.in/credit-card-types/eterna"}},{"id":"federal-celesta","name":"Celesta","bank":"Federal Bank","url":"https://www.cardmasters.in/card/federal-celesta","tier":"mid","networks":["Visa Signature","Mastercard"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":2,"rewards":{"baseRate":1,"baseEarnLabel":"1 Federal Reward Point per ₹100 on eligible spend","pointName":"Reward Points","acceleratedRoutes":[{"channel":"travel & international spends","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"dining","label":null,"monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"insurance","label":null,"monthlyCapINR":null,"monthlyCapPoints":250}],"exclusions":["fuel","rent","wallet-load","government","financial-institution","quasi-cash","cash-advance"],"recordedChanges":["Cash redemption is worth ₹0.10 per point; catalogue redemptions can be worth up to ₹0.25 per point and incur at least a ₹99 redemption fee.","Rent, fuel, cash, wallet loads, government, financial-institution and quasi-cash transactions do not earn points.","Domestic lounge access requires ₹60,000 qualifying spend in the preceding quarter; international access is limited to two visits per year."]},"lounge":{"domestic":"2/quarter (₹60K spend in prior quarter)","international":"2/yr, no spend criteria"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Federal Bank publishes a minimum age of 21 for unsecured cards and assesses credit history, but does not publish card-specific income or numeric bureau-score cutoffs for Celesta."},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.federal.bank.in/credit-cards-mitc"}},{"id":"kiwi-yes-rupay","name":"YES BANK Klick RuPay Credit Card","bank":"Yes Bank","url":"https://www.cardmasters.in/card/kiwi-yes-rupay","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":2.75,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"YES Rewardz Points","acceleratedRoutes":[{"channel":"UPI transactions above ₹2,000","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","government","marketing-advertising","cash-advance","emi","insurance","education","railway","toll","ferry","jewellery","P2P-UPI"],"recordedChanges":["This record covers only the YES BANK Klick card. AU KOSMO, PNB Kiwi, YES BANK credit-line and legacy Axis-Kiwi products are distinct and are not represented by this record.","Kiwi advertises separate promotional cashback and Neon membership benefits; these can change and are excluded from the recurring recommendation value."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.yes.bank.in/content/published/api/v1.1/assets/CONTEC25C9A4B18F4AA7BA64228D65B6F8F6/native/ybl_user_guide_klick_rupay_credit_card.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false"}},{"id":"jupiter-edge-plus-csb","name":"Edge+ CSB Bank RuPay Credit Card","bank":"CSB Bank (via Jupiter)","url":"https://www.cardmasters.in/card/jupiter-edge-plus-csb","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":999,"annualINR":0,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":0,"baseEarnLabel":"5 Jewels per ₹100 on eligible other-category payments through Jupiter UPI (about 1% at standard redemption or 0.7% as statement credit)","pointName":"Jewels","acceleratedRoutes":[{"channel":"Jupiter UPI at Amazon, Flipkart, Myntra, Tata Cliq, AJIO, Nykaa, Croma, Reliance Digital, Trent/Tata Retail and Reliance Retail","label":"50 Jewels per ₹100 at Amazon, Flipkart, Myntra, Tata Cliq, AJIO, Nykaa, Croma, Reliance Digital, Trent/Tata Retail and Reliance Retail through Jupiter UPI, capped at 10,000 Jewels per billing cycle","monthlyCapINR":null,"monthlyCapPoints":10000},{"channel":"Jupiter Flights","label":"25 Jewels per ₹100 on Jupiter Flights, capped at 5,000 Jewels per billing cycle","monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["fuel","rent","gift-cards","utility","subscriptions","insurance"],"recordedChanges":["1 June 2026: updated category rewards and redemption values apply; 10,000 Jewels redeem for ₹1,400 toward statement credit, bills or cash-equivalent options and ₹2,000 toward store, vouchers or digital gold","Edge+ Jewels require eligible transactions through Jupiter UPI; issuer-listed shopping merchants and Jupiter Flights are not inferred from broad online or travel spend."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://jupiter.money/edge-plus-upi-rupay-credit-card/"}},{"id":"supermoney-supercard-utkarsh","name":"super.money superCard (FD-secured)","bank":"Utkarsh Small Finance Bank (via super.money / Flipkart group)","url":"https://www.cardmasters.in/card/supermoney-supercard-utkarsh","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":0.5,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"Myntra","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":0,"inviteOnly":false,"note":"No income or bureau-score requirement — the card is secured against a fixed deposit, which sets the credit limit."},"evidence":{"verifiedOn":"2026-08-06","sourceUrl":"https://super.money/supercard"}},{"id":"slice-upi-credit","name":"slice UPI Credit Card","bank":"Slice Small Finance Bank","url":"https://www.cardmasters.in/card/slice-upi-credit","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":1,"baseEarnLabel":"1% cash value at the entry redemption slab on eligible domestic spends","pointName":"monies","acceleratedRoutes":[],"exclusions":["fuel","rent","wallet-load","insurance","emi","education","government","gaming","international","agriculture","cash-advance","financial-institutions"],"recordedChanges":["Slice credits 1 monies unit per ₹1 of eligible spend, but cash redemption starts at 1% while the monies balance is up to ₹3 lakh. This conservative 1% cash value is used in recommendations.","The 1.5% and 2% redemption slabs require monies balances above ₹3 lakh and ₹5 lakh. The advertised 3% additionally requires a ₹5 lakh average quarterly Slice savings balance, so none of these higher slabs are assumed.","International transactions have zero bank forex markup but do not earn monies. Spark offers are personalized, activated, capped and time-bound, so they are not included in recurring value."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Requires successful onboarding to a Slice digital savings account, Indian citizenship/residency, age 18+, presence in India during application/video KYC, and completed KYC. Approval then follows the bank's dynamic internal policy and bureau assessment; no issuer income or score cutoff is published."},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://slice.bank.in/cc-mitc/"}},{"id":"paytm-hdfc","name":"Paytm HDFC Bank Credit Card","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/paytm-hdfc","tier":"entry","networks":["Visa"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1% CashPoints on eligible retail spend, capped at ₹1,000/month","pointName":"CashPoints","acceleratedRoutes":[{"channel":"Select Paytm Recharge, Utility, Movies and Mini App purchases","label":"3% CashPoints, capped at ₹500/month","monthlyCapINR":500,"monthlyCapPoints":null},{"channel":"All other Paytm spends","label":"2% CashPoints, capped at ₹500/month","monthlyCapINR":500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi","government","education","gaming"],"recordedChanges":["Paytm accelerated rates require Paytm-routed spend and are excluded from the estimate because the profile does not capture that route.","Statement cashback requires at least 500 CashPoints, is capped at 3,000 points/month and costs ₹50 per redemption request.","CashPoints are nullified after more than 365 days of card inactivity."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":"Indian nationals; HDFC publishes no credit-score cutoff. Applications are offered to Paytm customers through the Paytm app."},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/paytm-credit-card/pdfs/frequently-asked-questions.pdf"}},{"id":"paytm-sbi","name":"Paytm SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/paytm-sbi","tier":"entry","networks":["Visa"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":"1 Reward Point per ₹100 on eligible spends, including UPI; minimum eligible transaction ₹100","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Paytm App travel, movies and mall","label":"3 Reward Points per ₹100","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Other eligible Paytm App purchases","label":"2 Reward Points per ₹100","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","wallet-load","balance-transfer","cash-advance","easy-money","encash","dial-a-draft","atm-withdrawal","fees","education","flexipay","merchant-emi"],"recordedChanges":["Since 1 July 2024, cashback has been replaced by equivalent-value Reward Points at ₹1 per Reward Point.","Education and school payments stopped earning Reward Points from 9 March 2026.","All Reward Points are forfeited after 13 consecutive months without a purchase transaction.","Reward Points expire after 24 months; eligible transactions must be at least ₹100."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card does not publish a card-specific monthly-income or credit-score cutoff on the current Paytm SBI Card product page"},"evidence":{"verifiedOn":"2026-07-30","sourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/PaytmBase-TnC.pdf"}},{"id":"phonepe-hdfc-ultimo","name":"PhonePe HDFC Bank Ultimo","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/phonepe-hdfc-ultimo","tier":"mid","networks":["RuPay"],"fees":{"joiningINR":999,"annualINR":999,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Reward Points","acceleratedRoutes":[{"channel":"PhonePe categories (utilities/movies/hotels/travel/recharges/bills)","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"Myntra/Swiggy/Zomato/Amazon/Ajio/Flipkart/Uber","label":null,"monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"UPI scan & pay","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi"],"recordedChanges":[]},"lounge":{"domestic":"8/yr (2 per quarter, on ₹75K quarterly spend)","international":"none"},"eligibility":{"minMonthlyIncomeINR":35000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-06","sourceUrl":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/phonepe-hdfc-bank-ultimo-credit-card"}},{"id":"phonepe-hdfc-uno","name":"PhonePe HDFC Bank Uno","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/phonepe-hdfc-uno","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":0,"baseEarnLabel":"Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Select PhonePe categories: recharges, bills, travel and stays","label":"2 Reward Points per ₹100, capped at 500 points/month","monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"Select online brands","label":"1 Reward Point per ₹100, capped at 500 points/month","monthlyCapINR":null,"monthlyCapPoints":500},{"channel":"QR Scan & Pay","label":"1 Reward Point per ₹100, capped at 500 points/month","monthlyCapINR":null,"monthlyCapPoints":500}],"exclusions":["fuel","rent","wallet-load","emi","gift-card","cash-advance","credit-card-bill-payment","fees","government","education","insurance","investment","jewelry"],"recordedChanges":["The 2% rate requires eligible bills or travel transactions initiated in PhonePe using the PhonePe card; issuer MCC and VPA/TID rules apply.","The 1% online-brand and QR Scan & Pay routes are disclosed but excluded from the estimate because the profile does not capture those routes.","Statement cashback requires at least 500 points. HDFC's July 2026 MITC states that PhonePe Uno points expire after one year; the older June product FAQ still says two years, so the estimate uses the newer, conservative term."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-26","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/phonepe-hdfc-bank-uno-credit-card-/phonepe-hdfc-bank-uno-cc-reward-points-tncs.pdf"}},{"id":"uni-goldx-yes","name":"Uni GoldX Credit Card","bank":"Bank of Baroda (BOBCARD)","url":"https://www.cardmasters.in/card/uni-goldx-yes","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":1,"baseEarnLabel":"1% value back as Uni Coins on eligible transactions","pointName":"Uni Coins","acceleratedRoutes":[{"channel":"Uni Store vouchers","label":"5% value back as Uni Coins on eligible Uni Store voucher purchases","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":["BOBCARD states that exclusions apply to the advertised value-back rates; consult the current card terms before relying on a specific transaction category."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"BOBCARD publishes age 21–60 and resident-Indian criteria but no minimum income or credit-score floor on the current product page."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.bobcard.co.in/credit-card-types/bobcard-uni-goldx"}},{"id":"hdfc-swiggy-ornge","name":"Swiggy Ornge","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-swiggy-ornge","tier":"entry","networks":["Mastercard"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":150000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"Swiggy (food/Instamart/Dineout)","label":null,"monthlyCapINR":1500,"monthlyCapPoints":null},{"channel":"select online merchants","label":null,"monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","government","gaming","education","jewellery","emi","smartpay","smartbuy"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":20000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-15","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-ornge-hdfc-bank-credit-card/pdf/tncs-swiggy-orange.pdf"}},{"id":"hdfc-swiggy-blck","name":"Swiggy BLCK","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-swiggy-blck","tier":"entry","networks":["Mastercard"],"fees":{"joiningINR":1000,"annualINR":1000,"gstExtra":true,"waiverSpendINR":200000},"forexMarkupPct":3.5,"rewards":{"baseRate":1,"baseEarnLabel":null,"pointName":"Cashback","acceleratedRoutes":[{"channel":"Swiggy (food/Instamart/Dineout)","label":null,"monthlyCapINR":1500,"monthlyCapPoints":null},{"channel":"online merchants","label":null,"monthlyCapINR":1500,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","government","gaming","education","jewellery","emi","smartpay","smartbuy"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":25000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-15","sourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdfs/Combined_TnCs_Ornge_and_BLCK.pdf"}},{"id":"rbl-nova","name":"Nova","bank":"RBL Bank","url":"https://www.cardmasters.in/card/rbl-nova","tier":"premium","networks":["Visa"],"fees":{"joiningINR":12500,"annualINR":12500,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":2,"rewards":{"baseRate":2,"baseEarnLabel":"4 Reward Points per ₹200 on purchases (1 Reward Point = ₹1 redemption value)","pointName":"Reward Points","acceleratedRoutes":[{"channel":"flight bookings and hotel stays","label":"12 Reward Points per ₹200 on flight bookings and hotel stays","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load"],"recordedChanges":[]},"lounge":{"domestic":"12 complimentary visits per year within India, plus 4 complimentary guest visits","international":"12 complimentary visits per year outside India"},"eligibility":{"minMonthlyIncomeINR":150000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-08-04","sourceUrl":"https://www.rbl.bank.in/personal-banking/cards/credit-cards/nova-credit-card"}},{"id":"idfc-first-gaj","name":"Gaj (Metal)","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-gaj","tier":"super-premium","networks":["Visa"],"fees":{"joiningINR":12500,"annualINR":12500,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":3.3333,"baseEarnLabel":"5 RP/₹150 on eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"hotels via IDFC FIRST app","label":null,"monthlyCapINR":null,"monthlyCapPoints":15000},{"channel":"flights via IDFC FIRST app","label":null,"monthlyCapINR":null,"monthlyCapPoints":15000}],"exclusions":["fuel","emi","fees","loan","balance-transfer","cash-withdrawal"],"recordedChanges":["Insurance, utilities, rent, government, wallet load, railways, FASTag and education earn only 1 RP/₹150.","Travel redemption value is ₹1/point and can cover up to 70% of an eligible app booking; other listed redemptions are ₹0.25/point."]},"lounge":{"domestic":"4 visits/quarter","international":"4 visits/quarter"},"eligibility":{"minMonthlyIncomeINR":200000,"inviteOnly":false,"note":null},"evidence":{"verifiedOn":"2026-07-16","sourceUrl":"https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/GAJ-CC-Rewards-Structure-TnC-22-12-25.pdf"}},{"id":"hdfc-indianoil","name":"IndianOil HDFC Bank Credit Card","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-indianoil","tier":"entry","networks":["RuPay","Visa"],"fees":{"joiningINR":500,"annualINR":500,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.67,"baseEarnLabel":null,"pointName":"Fuel Points","acceleratedRoutes":[{"channel":"IndianOil outlets","label":null,"monthlyCapINR":null,"monthlyCapPoints":150},{"channel":"grocery","label":null,"monthlyCapINR":null,"monthlyCapPoints":100},{"channel":"utility and bill payments","label":null,"monthlyCapINR":null,"monthlyCapPoints":100}],"exclusions":["rent","wallet-load","government","non-IndianOil fuel"],"recordedChanges":[]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":12001,"inviteOnly":false,"note":"HDFC publishes gross monthly income above ₹12,000 for salaried applicants and annual ITR above ₹6 lakh for self-employed applicants; no numeric bureau-score cutoff is published on the issuer page."},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.hdfc.bank.in/credit-cards/indianoil-hdfc-bank-credit-card"}},{"id":"bobcard-etihad-guest","name":"Etihad Guest Credit Card","bank":"BOBCARD","url":"https://www.cardmasters.in/card/bobcard-etihad-guest","tier":"premium","networks":["Visa"],"fees":{"joiningINR":2500,"annualINR":2500,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":1,"rewards":{"baseRate":1,"baseEarnLabel":"1 Etihad Guest Mile per ₹100 on eligible domestic and cross-border spends","pointName":"Etihad Guest Miles","acceleratedRoutes":[{"channel":"Etihad Airways","label":"3 Etihad Guest Miles per ₹100","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel"],"recordedChanges":["Etihad Guest Miles have no cash value and can be redeemed only through the Etihad Guest programme; CardMasters uses a conservative ₹0.50-per-mile estimate for comparison.","The issuer's monthly bonus requires four transactions, so it is excluded from modeled recurring value."]},"lounge":{"domestic":"8/year (2/quarter)","international":"4/year (1/quarter)"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"BOBCARD publishes Indian residency, age 21–60 and salaried or self-employed status, but no card-specific income floor or numeric bureau-score cutoff on the issuer product page. This card is therefore available for research but excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.bobcard.co.in/credit-card-types/bobcard-etihad-guest"}},{"id":"bobcard-etihad-guest-premium","name":"Etihad Guest Premium Credit Card","bank":"BOBCARD","url":"https://www.cardmasters.in/card/bobcard-etihad-guest-premium","tier":"super-premium","networks":["Visa"],"fees":{"joiningINR":5000,"annualINR":5000,"gstExtra":true,"waiverSpendINR":500000},"forexMarkupPct":0,"rewards":{"baseRate":2,"baseEarnLabel":"2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends","pointName":"Etihad Guest Miles","acceleratedRoutes":[{"channel":"Etihad Airways","label":"6 Etihad Guest Miles per ₹100","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel"],"recordedChanges":["Etihad Guest Miles have no cash value and can be redeemed only through the Etihad Guest programme; CardMasters uses a conservative ₹0.50-per-mile estimate for comparison.","The issuer's monthly bonus requires four transactions, so it is excluded from modeled recurring value."]},"lounge":{"domestic":"12/year (3/quarter)","international":"8/year (2/quarter)"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"BOBCARD publishes Indian residency, age 21–60 and salaried or self-employed status, but no card-specific income floor or numeric bureau-score cutoff on the issuer product page. This card is therefore available for research but excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-08","sourceUrl":"https://www.bobcard.co.in/credit-card-types/bobcard-etihad-guest-premium"}},{"id":"hdfc-tata-neu-plus","name":"Tata Neu Plus","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-tata-neu-plus","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":null,"rewards":{"baseRate":1,"baseEarnLabel":"1% back as NeuCoins on eligible non-Tata and merchant EMI spends","pointName":"NeuCoins","acceleratedRoutes":[{"channel":"Eligible partner Tata brands","label":"2% back as NeuCoins on eligible non-EMI Tata-brand spend","monthlyCapINR":null,"monthlyCapPoints":null},{"channel":"Eligible grocery spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":1000},{"channel":"Eligible utility and telecom spend","label":null,"monthlyCapINR":null,"monthlyCapPoints":2000}],"exclusions":["fuel","rent","wallet-load","government","gaming","education-third-party","cash-advance","fees"],"recordedChanges":["The separate NeuPass benefit can add 5% on selected Tata Neu purchases but is conditional and is excluded from modeled value.","Eligible UPI spend can earn up to 1%, subject to issuer route and cap conditions; UPI-routed spend is not modeled."]},"lounge":{"domestic":"1 voucher/quarter after ₹50,000 quarterly spend (up to 4/year)","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card"}},{"id":"hdfc-pixel-go","name":"PIXEL Go","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-pixel-go","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":250,"annualINR":250,"gstExtra":true,"waiverSpendINR":50000},"forexMarkupPct":null,"rewards":{"baseRate":1,"baseEarnLabel":"1% PIXEL CashPoints on eligible transactions","pointName":"PIXEL CashPoints","acceleratedRoutes":[{"channel":"Eligible SmartBuy transactions","label":"5% PIXEL CashPoints through eligible SmartBuy routes","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","emi","government","cash-advance","fees"],"recordedChanges":["PIXEL CashPoints require at least 500 points before redemption to the PayZapp wallet for eligible brand vouchers."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.hdfc.bank.in/credit-cards/pixel-go-credit-card"}},{"id":"hdfc-regalia","name":"Regalia","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-regalia","tier":"premium","networks":["Visa Signature","Mastercard"],"fees":{"joiningINR":2500,"annualINR":2500,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"4 Reward Points per ₹200 on eligible retail spend","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["fuel","rent","wallet-load","government","gaming","education-third-party","cash-advance","fees"],"recordedChanges":[]},"lounge":{"domestic":"2 vouchers/quarter after ₹1 lakh quarterly spend","international":"6/year outside India after at least 4 card transactions before membership request"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.hdfc.bank.in/credit-cards/regalia-credit-card"}},{"id":"hdfc-regalia-activ","name":"Regalia Activ","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-regalia-activ","tier":"premium","networks":["Visa","RuPay"],"fees":{"joiningINR":2500,"annualINR":2500,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":null,"rewards":{"baseRate":2,"baseEarnLabel":"4 Reward Points per ₹200 on eligible retail spend, including insurance","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["fuel","rent","wallet-load","government","gaming","education-third-party","cash-advance","fees"],"recordedChanges":[]},"lounge":{"domestic":"up to 12/year, subject to issuer conditions","international":"up to 6/year, subject to issuer conditions"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.hdfc.bank.in/credit-cards/regalia-activ-credit-card"}},{"id":"hdfc-diners-club-privilege","name":"Diners Club Privilege","bank":"HDFC Bank","url":"https://www.cardmasters.in/card/hdfc-diners-club-privilege","tier":"mid","networks":["Diners Club"],"fees":{"joiningINR":1000,"annualINR":1000,"gstExtra":true,"waiverSpendINR":300000},"forexMarkupPct":3.5,"rewards":{"baseRate":2,"baseEarnLabel":"4 Reward Points per ₹200 on eligible retail spend","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Swiggy and Zomato online food delivery","label":"20 Reward Points per ₹200; additional 4X points capped at 2,500/month","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","rent","wallet-load","government","gaming","education-third-party","cash-advance","fees"],"recordedChanges":["SmartBuy can earn up to 10X, but merchant-specific routing is excluded from modeled generic-category value."]},"lounge":{"domestic":"2 vouchers/quarter after ₹60,000 spend in preceding quarter","international":"1 voucher/quarter after ₹60,000 spend in preceding quarter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"HDFC Bank does not publish a card-specific income floor or numeric bureau-score cutoff on the current product page. This card is excluded from personalized eligibility recommendations."},"evidence":{"verifiedOn":"2026-08-13","sourceUrl":"https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card"}},{"id":"idfc-first-ashva","name":"FIRST Ashva Metal Credit Card","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-ashva","tier":"premium","networks":["Visa Infinite"],"fees":{"joiningINR":2999,"annualINR":2999,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":1,"rewards":{"baseRate":3.33,"baseEarnLabel":"5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["cash-advance","fees"],"recordedChanges":["10X Reward Points apply only to incremental spend above ₹20,000 in a statement cycle. CardMasters models the 5X tier that applies up to that threshold, so the figures here understate a month where spend runs well above ₹20,000.","Rent, education, wallet loads and government payments earn 3X and insurance earns 1X — lower than the headline rate, but unlike most Indian cards these categories still earn rather than being excluded.","Cash withdrawals, fees, charges and GST are not eligible for Reward Points. EMI amortization is excluded from the benefit."]},"lounge":{"domestic":"4 complimentary domestic lounge visits per quarter","international":"2 complimentary international lounge visits per quarter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card on its current product page. Issuance remains subject to the bank's internal assessment."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva"}},{"id":"idfc-first-mayura","name":"FIRST Mayura Metal Credit Card","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-mayura","tier":"premium","networks":["Visa Infinite"],"fees":{"joiningINR":5999,"annualINR":5999,"gstExtra":true,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":3.33,"baseEarnLabel":"5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["cash-advance","fees"],"recordedChanges":["10X Reward Points apply only to incremental spend above ₹20,000 in a statement cycle. CardMasters models the 5X tier that applies up to that threshold, so the figures here understate a month where spend runs well above ₹20,000.","Rent, education, wallet loads and government payments earn 3X and insurance earns 1X — lower than the headline rate, but unlike most Indian cards these categories still earn rather than being excluded.","Cash withdrawals, fees, charges and GST are not eligible for Reward Points. EMI amortization is excluded from the benefit.","Bonus Reward Points are capped at 25,000 per month."]},"lounge":{"domestic":"Complimentary domestic lounge visits per quarter across India","international":"Complimentary international lounge visits per quarter"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card on its current product page. Issuance remains subject to the bank's internal assessment."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura"}},{"id":"sbi-simplysave","name":"SimplySAVE SBI Card","bank":"SBI Card","url":"https://www.cardmasters.in/card/sbi-simplysave","tier":"entry","networks":["Visa","Mastercard","RuPay"],"fees":{"joiningINR":499,"annualINR":499,"gstExtra":true,"waiverSpendINR":100000},"forexMarkupPct":3.5,"rewards":{"baseRate":0.667,"baseEarnLabel":"1 Reward Point per ₹150 spent on all other categories","pointName":"Reward Points","acceleratedRoutes":[{"channel":"Dining, movies, departmental stores and grocery","label":"10 Reward Points per ₹150 on dining, movies, departmental stores and grocery","monthlyCapINR":null,"monthlyCapPoints":5000}],"exclusions":["fuel"],"recordedChanges":["Fuel is excluded from Reward Points (MCC 5172, 5541, 5542, 5983). A separate 1% fuel surcharge waiver applies on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.","10X accrual on dining, movies, departmental stores and grocery is capped at 5,000 Reward Points per calendar month. Above the cap these categories earn the base 1 Reward Point per ₹150.","Reward Points expire 24 months after they are credited.","SBI publishes further reward exclusions only in its Shop-and-Smile Rewards Program terms, which are not available on sbicard.com. CardMasters models rent, wallet loads and government payments as non-earning on this card — that is a conservative CardMasters assumption, not an SBI statement."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"SBI Card publishes no card-specific monthly income or bureau-score cutoff for SimplySAVE. Approval is assessed on age, income, employment, credit history and the issuer's own policy."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.sbicard.com/en/personal/credit-cards/simplysave-sbi-card.html"}},{"id":"idfc-first-classic","name":"FIRST Classic Credit Card","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-classic","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1.5,"baseEarnLabel":"3 Reward Points per ₹200 on all other eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining, travel and international purchases","label":"10 Reward Points per ₹200 on eligible dining, travel and international purchases","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","emi","cash-advance"],"recordedChanges":["Effective 18 June 2026 the reward programme changed: 10X now applies from the first eligible dining, travel or international transaction, and the earlier ₹20,000 billing-cycle threshold no longer applies. Pages still showing the old structure are stale.","Insurance, utilities, railways and FASTag recharges earn 1X, not the 3X base.","UPI spend earns 1X up to ₹2,000 per transaction and 3X above ₹2,000. CardMasters does not model per-transaction UPI value because the profile captures monthly totals, not transaction size.","No Reward Points are earned on fuel, EMI transactions or cash withdrawals.","Reward Points are earned only on spends up to the credit limit in a billing cycle; spend beyond it earns nothing.","Reward Points are valid for 24 months from the date they are credited."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card. Issuance remains subject to the bank's internal assessment."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Classic-Credit-Card-Communication-May-26.pdf"}},{"id":"idfc-first-millennia","name":"FIRST Millennia Credit Card","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-millennia","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":1.5,"baseEarnLabel":"3 Reward Points per ₹200 on all other eligible spends","pointName":"Reward Points","acceleratedRoutes":[{"channel":"dining, travel and international purchases","label":"10 Reward Points per ₹200 on eligible dining, travel and international purchases","monthlyCapINR":null,"monthlyCapPoints":null}],"exclusions":["fuel","emi","cash-advance"],"recordedChanges":["Effective 18 June 2026 the reward programme changed: 10X now applies from the first eligible dining, travel or international transaction, and the earlier ₹20,000 billing-cycle threshold no longer applies. Pages still showing the old structure are stale.","Insurance, utilities, railways and FASTag recharges earn 1X, not the 3X base.","UPI spend earns 1X up to ₹2,000 per transaction and 3X above ₹2,000. CardMasters does not model per-transaction UPI value because the profile captures monthly totals, not transaction size.","No Reward Points are earned on fuel, EMI transactions or cash withdrawals.","Reward Points are earned only on spends up to the credit limit in a billing cycle; spend beyond it earns nothing.","Reward Points are valid for 24 months from the date they are credited.","App travel bookings earn 20% bonus Reward Points on hotels and 10% on flights, capped at 8,000 bonus points per calendar month. Not modelled, because it requires booking through the issuer's app rather than ordinary card spend.","The product page still shows the retired \"10X on incremental spends above ₹20,000\" wording alongside the current category-based structure. CardMasters models the current structure, per IDFC's 18 June 2026 communication."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card. Issuance remains subject to the bank's internal assessment."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/millennia"}},{"id":"idfc-first-wow","name":"FIRST WOW! Credit Card (FD-secured)","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-first-wow","tier":"entry","networks":["Visa","RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":0,"rewards":{"baseRate":2,"baseEarnLabel":"4 Reward Points per ₹200 on online, offline and international spends","pointName":"Reward Points","acceleratedRoutes":[],"exclusions":["fuel","emi","cash-advance","fees","balance-transfer"],"recordedChanges":["No Reward Points are earned on fuel, EMI-converted transactions, fees and their GST, loan on card, balance transfer, cash withdrawals, or any transaction below ₹200. A fuel surcharge waiver still applies.","Insurance, utility, FASTag and railway spends earn 1 Reward Point per ₹200 rather than the base 4.","UPI spend through a linked FIRST DIGITAL card earns 3 Reward Points per ₹200 above ₹2,000 per transaction and 1 below it. CardMasters does not model per-transaction UPI value, because the profile captures monthly totals rather than transaction size.","Reward Points are earned only on spends up to the credit limit in a billing cycle, and the credit limit is set by the fixed deposit securing the card.","Reward Points are valid for 24 months from the date they are credited.","App travel bookings earn 10% bonus Reward Points on hotels and 5% on flights, capped at 8,000 bonus points a calendar month. Not modelled, because it requires booking through the issuer's app rather than ordinary card spend."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Issued against a fixed deposit with IDFC FIRST Bank rather than against declared income, so there is no published monthly income floor and no bureau-score cutoff. The credit limit is set from the deposit, and the deposit continues to earn interest."},"evidence":{"verifiedOn":"2026-08-19","sourceUrl":"https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/WOW-Rewards-TnC.pdf"}},{"id":"axis-google-pay-flex","name":"Google Pay Flex Axis Bank Credit Card","bank":"Axis Bank","url":"https://www.cardmasters.in/card/axis-google-pay-flex","tier":"entry","networks":[],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":3.5,"rewards":{"baseRate":0.2,"baseEarnLabel":"1 Star per cumulative ₹500 of eligible spend (0.2% at ₹1 per Star)","pointName":"Stars","acceleratedRoutes":[],"exclusions":["rent","cash-advance","financial-institution","insurance","education","government","fees","wallet-load","jewellery"],"recordedChanges":["The published base earn is 1 Star per cumulative ₹500 of eligible spend. Each Star is worth ₹1.","The first reward cycle earns 2 Stars per ₹500. Later cycles earn 2 Stars per ₹500 only when the previous reward cycle had at least ₹100 of net eligible spend.","Google Pay may offer 4X after ₹15,000 and 8X after ₹30,000 of current-cycle eligible spend when a cycle starts at 2X. These promotional rates can change, so CardMasters does not model them as guaranteed value.","Up to 1,500 Stars may be earned per reward cycle, of which Axis Bank funds at most 750 Stars.","Rent, cash withdrawals, financial-institution payments, insurance, education, government, card fees and charges, wallet loads, and jewellery/watch/silverware transactions do not earn Stars."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Available to resident Indians aged 18–70. Applications are exclusive to the Google Pay app; issuer underwriting and document requirements apply."},"evidence":{"verifiedOn":"2026-08-25","sourceUrl":"https://www.axis.bank.in/cards/credit-card/google-pay-flex-axis-bank-credit-card"}},{"id":"idfc-quantum-plus","name":"Quantum+ Credit Card (FD-secured)","bank":"IDFC FIRST Bank","url":"https://www.cardmasters.in/card/idfc-quantum-plus","tier":"entry","networks":["RuPay"],"fees":{"joiningINR":0,"annualINR":0,"gstExtra":false,"waiverSpendINR":null},"forexMarkupPct":null,"rewards":{"baseRate":1,"baseEarnLabel":"1% cashback on eligible online and in-store purchases","pointName":"Cashback","acceleratedRoutes":[{"channel":"eligible online spend","label":"1% on the first ₹10,000; 2% thereafter","monthlyCapINR":500,"monthlyCapPoints":null},{"channel":"select utility, rent, jewellery, wallet, insurance and government categories","label":null,"monthlyCapINR":500,"monthlyCapPoints":null}],"exclusions":["cash-advance","emi"],"recordedChanges":["UPI cashback is 1% only for Scan & Pay through the IDFC FIRST Bank app. Third-party UPI-app spend earns no cashback, so CardMasters does not infer UPI value from an aggregate monthly input.","Total cashback is capped at ₹500 per statement cycle across all categories.","Cashback is posted only when at least the Minimum Amount Due is paid by the Payment Due Date; otherwise that cycle's cashback is forfeited.","Select categories earn 0.5% and do not count towards the online-spend threshold: utilities, rent, jewellery, wallet loads, insurance and government services.","EMI transactions and ATM cash withdrawals earn no cashback."]},"lounge":{"domestic":"none","international":"none"},"eligibility":{"minMonthlyIncomeINR":null,"inviteOnly":false,"note":"Issued against a new or eligible existing IDFC FIRST Bank fixed deposit. The issuer publishes no income-proof or prior-credit-history requirement; resident Indian, PAN, Aadhaar and video KYC are required."},"evidence":{"verifiedOn":"2026-08-25","sourceUrl":"https://www.idfcfirst.bank.in/credit-card/quantum-plus-credit-card"}}]}