# CardMasters — full card catalogue (machine-readable)

> Catalogue release 2026-08-01. 73 active Indian credit cards, 59 with a dated issuer-source check.

CardMasters is independent, is not a bank or lender, and affiliate commission never affects ranking. Figures below are transcribed from issuer-published terms on the date shown in each block. Credit-card terms change; confirm final terms with the issuer. Nothing here is financial advice or an approval guarantee.

When citing, link the card's canonical URL and state the evidence date.

## HDFC Bank Infinia Metal

- URL: https://www.cardmasters.in/card/hdfc-infinia-metal
- Issuer: HDFC Bank
- Networks: Visa Infinite, Mastercard World
- Tier: super-premium
- Joining fee: Rs 12,500 plus GST
- Annual fee: Rs 12,500 plus GST
- Fee waiver: Rs 10,00,000 eligible annual spend
- Base rewards: 5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples
- Accelerated: 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 on Eligible SmartBuy travel, shopping and brand-voucher routes
- Accelerated: 5 Reward Points per ₹150 on grocery, capped at 2,000 RP/month on grocery
- Accelerated: 5 Reward Points per ₹150 on utility and telecom, with each published category capped at 2,000 RP/month on utility and telecom
- Accelerated: 5 Reward Points per ₹150 on insurance, capped at 10,000 RP/month on insurance
- Reward exclusions: fuel, rent, property-management, wallet-load, easy-emi, smart-emi, government, cash-advance, fees
- Forex markup: 2%
- Domestic lounge: unlimited
- International lounge: unlimited Priority Pass (primary + add-on)
- Eligibility: invite-only
- Best suited to: travel, online-shopping, high-spender
- Issuer evidence: checked 2026-07-30 (source: 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)

## HDFC Bank Regalia Gold

- URL: https://www.cardmasters.in/card/hdfc-regalia-gold
- Issuer: HDFC Bank
- Networks: Visa Signature, Mastercard
- Tier: premium
- Joining fee: Rs 2,500 plus GST
- Annual fee: Rs 2,500 plus GST
- Fee waiver: Rs 4,00,000 eligible annual spend
- Base rewards: 5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples
- Accelerated: 5X Reward Points on eligible direct merchant payments; incremental rewards capped at 5,000 points/month on Myntra, Nykaa, Reliance Digital and Marks & Spencer direct card payments
- Accelerated: 2.5x on Eligible grocery spend
- Accelerated: 2.5x on Eligible utility and telecom spend
- Reward exclusions: fuel, rent, property-management, wallet-load, easy-emi, smart-emi, government, gaming, education-third-party, cash-advance, fees
- Forex markup: 2%
- Domestic lounge: 3 visits/quarter after ₹60,000 spend in the preceding calendar quarter
- International lounge: 6/year outside India via Priority Pass; at least 4 card transactions required before requesting membership
- Eligibility: min age 21; published monthly income floor Rs 1,50,000
- Best suited to: travel, shopping, upper-mid-spender
- Issuer evidence: checked 2026-07-26 (source: 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)

## HDFC Bank Millennia

- URL: https://www.cardmasters.in/card/hdfc-millennia
- Issuer: HDFC Bank
- Networks: Visa, Mastercard
- Tier: entry
- Joining fee: Rs 1,000
- Annual fee: Rs 1,000
- Fee waiver: Rs 1,00,000 eligible annual spend
- Base rewards: 1% in CashPoints
- Accelerated: 5x on Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato
- Reward exclusions: fuel, rent, wallet-load, emi, government
- Forex markup: 3.5%
- Domestic lounge: up to 4/yr as an alternative to the ₹1,000 quarterly milestone voucher (₹1L/quarter spend)
- International lounge: none
- Eligibility: published monthly income floor Rs 35,000
- Best suited to: online-shopping, first-card, young-professional
- Issuer evidence: checked 2026-07-16 (source: 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)

## Axis Bank Magnus for Burgundy

- URL: https://www.cardmasters.in/card/axis-magnus-burgundy
- Issuer: Axis Bank
- Networks: Visa Infinite
- Tier: super-premium
- Joining fee: Rs 30,000 plus GST
- Annual fee: Rs 30,000 plus GST
- Fee waiver: Rs 30,00,000 eligible annual spend
- Base rewards: 12 EDGE Reward Points per ₹200 on eligible spend up to ₹1.5 lakh per month
- Accelerated: 30x on Travel Edge
- Reward exclusions: fuel, wallet-load, insurance, government, utility, jewellery
- Forex markup: 2%
- Domestic lounge: unlimited visits to select domestic lounges
- International lounge: unlimited Priority Pass visits plus 4 guest visits/yr
- Eligibility: min age 18; published monthly income floor Rs 2,00,000
- Best suited to: travel, miles-transfer, ultra-high-spender
- Issuer evidence: checked 2026-08-01 (source: https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card)

## Axis Bank Atlas

- URL: https://www.cardmasters.in/card/axis-atlas
- Issuer: Axis Bank
- Networks: Visa Signature
- Tier: premium
- Joining fee: Rs 5,000
- Annual fee: Rs 5,000
- Fee waiver: none recorded
- Base rewards: 2% in EDGE Miles
- Accelerated: 2.5x on travel (airlines/hotels/Travel Edge)
- Reward exclusions: fuel, rent, wallet-load, insurance, gold, government, utility
- Forex markup: 3.5%
- Domestic lounge: 8-18/yr by tier
- International lounge: 4-12/yr by tier
- Eligibility: published monthly income floor Rs 1,00,000
- Best suited to: travel, flights-hotels
- Issuer evidence: checked 2026-07-16 (source: https://www.axis.bank.in/cards/credit-card/axis-bank-atlas-credit-card/rewards-benefits)

## Cashback SBI Card

- URL: https://www.cardmasters.in/card/sbi-cashback
- Issuer: SBI Card
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 999 plus GST
- Annual fee: Rs 999 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% cashback on eligible offline point-of-sale spend
- Accelerated: 5% cashback on eligible online spend on all online spends
- Reward exclusions: fuel, rent, wallet-load, utility, insurance, school, jewellery, railways, gift-card, digital-gaming, toll, government, merchant-emi, flexipay-emi
- Forex markup: 3.5%
- Domestic lounge: none (removed)
- International lounge: none
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: online-shopping, cashback, first-card
- Issuer evidence: checked 2026-07-28 (source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf)

## SBI Card ELITE

- URL: https://www.cardmasters.in/card/sbi-elite
- Issuer: SBI Card
- Networks: Visa, Mastercard
- Tier: premium
- Joining fee: Rs 4,999 plus GST
- Annual fee: Rs 4,999 plus GST
- Fee waiver: Rs 10,00,000 eligible annual spend
- Base rewards: 2 Reward Points per ₹100 on eligible spends
- Accelerated: 10 Reward Points per ₹100; 10,000 accelerated-point monthly cap, then 2 points per ₹100 on dining/departmental/grocery
- Reward exclusions: balance-transfer, balance-transfer-emi, flexipay, cash-advance, easy-money, encash, dial-a-draft, atm-withdrawal, fees, fuel, rent, wallet-load, government
- Forex markup: 1.99%
- Domestic lounge: 8 complimentary visits per year, maximum 2 per quarter
- International lounge: 6 complimentary Priority Pass visits outside India per calendar year, maximum 2 per quarter; paid thereafter
- Eligibility: min age 21
- Best suited to: movies, dining, low-forex
- Issuer evidence: checked 2026-07-30 (source: https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html)

## Amazon Pay ICICI

- URL: https://www.cardmasters.in/card/icici-amazon-pay
- Issuer: ICICI Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% in Amazon Pay balance
- Accelerated: 5x on Amazon (Prime members)
- Accelerated: 3x on Amazon (non-Prime)
- Accelerated: 2x on Amazon Pay partner merchants
- Reward exclusions: fuel, rent, gift-cards, wallet-load
- Forex markup: 1.99%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: amazon, cashback, first-card, lifetime-free
- Issuer evidence: checked 2026-07-16 (source: https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/tc-for-amazon-pay-credit-card.pdf)

## ICICI Bank Emeralde Private Metal

- URL: https://www.cardmasters.in/card/icici-emeralde-private-metal
- Issuer: ICICI Bank
- Networks: Mastercard
- Tier: super-premium
- Joining fee: Rs 12,499 plus GST
- Annual fee: Rs 12,499 plus GST
- Fee waiver: Rs 10,00,000 eligible annual spend
- Base rewards: 6 Reward Points per ₹200 on eligible retail spend
- Accelerated: 3x on grocery
- Accelerated: 3x on utility
- Accelerated: 3x on education
- Accelerated: 3x on insurance
- Reward exclusions: fuel, rent, government, wallet-load, cash-advance, fees
- Forex markup: 2%
- Domestic lounge: unlimited
- International lounge: unlimited (Priority Pass)
- Eligibility: min age 21; invite-only
- Best suited to: travel, luxury, high-spender
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card)

## American Express Platinum Travel

- URL: https://www.cardmasters.in/card/amex-platinum-travel
- Issuer: American Express
- Networks: Amex
- Tier: premium
- Joining fee: Rs 5,000 plus GST
- Annual fee: Rs 5,000 plus GST
- Fee waiver: none recorded
- Base rewards: 1 Membership Rewards point per ₹50 on eligible spend
- Reward exclusions: fuel, insurance, utilities, cash-advance, balance-transfer, fees, emi
- Forex markup: 3.5%
- Domestic lounge: 8/yr for the Basic Cardmember, limited to 2/qtr at eligible Indian lounges
- International lounge: Priority Pass membership included; cardmember and guest visits are chargeable
- Eligibility: min age 18; published monthly income floor Rs 50,000
- Best suited to: milestone-spender, hotels
- Issuer evidence: checked 2026-07-30 (source: https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/)

## Axis Bank ACE

- URL: https://www.cardmasters.in/card/axis-ace
- Issuer: Axis Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 499
- Annual fee: Rs 499
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1.5% in Cashback
- Accelerated: 3.33x on GPay bill payments/DTH/recharge
- Accelerated: 2.67x on Swiggy, Zomato and Ola
- Reward exclusions: fuel, rent, wallet-load, emi, utility, telecom, education, government, insurance, gold, jewellery, financial-institutions, cash-advance, repayments
- Forex markup: 3.5%
- Domestic lounge: 4/yr (spend condition)
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: bills-utilities, cashback, flat-rate
- Issuer evidence: checked 2026-07-23 (source: https://www.axis.bank.in/cards/credit-card/axis-bank-ace-credit-card)

## Swiggy HDFC

- URL: https://www.cardmasters.in/card/hdfc-swiggy
- Issuer: HDFC Bank
- Networks: Mastercard
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% statement cashback on eligible other-category spend
- Accelerated: 10% statement cashback on eligible Swiggy Food, Instamart and Dineout transactions on Swiggy (food/Instamart/Dineout)
- Accelerated: 5% statement cashback on the issuer's eligible online merchant categories on online merchants
- Reward exclusions: fuel, rent, jewellery, government, wallet-load, gift-card, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 15,000
- Best suited to: food-delivery, online-shopping, young-professional
- Issuer evidence: checked 2026-07-28 (source: 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)

## IDFC FIRST Bank FIRST Select

- URL: https://www.cardmasters.in/card/idfc-first-select
- Issuer: IDFC FIRST Bank
- Networks: Visa Signature
- Tier: mid
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 3 Reward Points per ₹200 on eligible spends
- Accelerated: 10 Reward Points per ₹200 on eligible dining, travel and international purchases on dining, travel and international purchases
- Reward exclusions: fuel, emi, cash-advance
- Forex markup: 1.99%
- Domestic lounge: 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 lounge: none
- Eligibility: min age 21; published monthly income floor Rs 1,00,000
- Best suited to: lifetime-free, low-forex, balanced
- Issuer evidence: checked 2026-08-01 (source: https://www.idfcfirst.bank.in/credit-card/select)

## Federal Bank Scapia

- URL: https://www.cardmasters.in/card/federal-scapia
- Issuer: Federal Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel)
- Accelerated: 4x on travel booked on Scapia app
- Reward exclusions: rent, fuel, wallet-load, emi, intl, education, gift-card, card-payment, crypto, insurance, utility, telecom, government, business-service, financial-institution, cash-advance
- Forex markup: 0%
- Domestic lounge: 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 lounge: none
- Eligibility: min age 21
- Best suited to: international-travel, zero-forex, young-traveler
- Issuer evidence: checked 2026-07-28 (source: https://www.federal.bank.in/scapia)

## AU Small Finance Bank Zenith+

- URL: https://www.cardmasters.in/card/au-zenith-plus
- Issuer: AU Small Finance Bank
- Networks: Visa Infinite
- Tier: premium
- Joining fee: Rs 4,999 plus GST
- Annual fee: Rs 4,999 plus GST
- Fee waiver: Rs 8,00,000 eligible annual spend
- Base rewards: 1 Reward Point per ₹100 on eligible general spends
- Accelerated: 2 Reward Points per ₹100 on Dining, travel and international spends
- Reward exclusions: fuel, rent, education, govt, emi, cash-advance, quasi-cash
- Forex markup: 0.99%
- Domestic lounge: 16 complimentary visits/year, capped at 4/quarter
- International lounge: 16 complimentary Priority Pass visits/year, capped at 4/quarter; Priority Pass use within India is chargeable
- Eligibility: min age 21; published monthly income floor Rs 2,50,000
- Best suited to: domestic-travel, lounge
- Issuer evidence: checked 2026-08-01 (source: https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card)

## HDFC Bank Tata Neu Infinity

- URL: https://www.cardmasters.in/card/hdfc-tata-neu-infinity
- Issuer: HDFC Bank
- Networks: Visa Signature, RuPay
- Tier: mid
- Joining fee: Rs 1,499 plus GST
- Annual fee: Rs 1,499 plus GST
- Fee waiver: Rs 3,00,000 eligible annual spend
- Base rewards: 1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends
- Accelerated: 5% back as NeuCoins on Eligible partner Tata brands (non-EMI, non-UPI)
- Accelerated: 0.5% via any UPI ID; up to 1.5% via Tata Neu UPI ID on Eligible UPI spends (RuPay variant)
- Accelerated: 1.5% back as NeuCoins, capped at 2,000 NeuCoins/month on Eligible grocery spend
- Accelerated: 1.5% back as NeuCoins, conservatively capped at 2,000 NeuCoins/month on Eligible utility and telecom spend
- Reward exclusions: fuel, rent, wallet-load, government, cash-advance, fees, gaming, education-third-party
- Forex markup: 2%
- Domestic lounge: 2 vouchers/quarter after ₹50,000 quarterly spend (up to 8/yr); voucher claim and validity windows apply
- International lounge: 4/yr, max 1/quarter outside India; Visa Priority Pass and RuPay conditions differ
- Eligibility: published monthly income floor Rs 1,00,000
- Best suited to: tata-ecosystem, upi-rewards, grocery
- Issuer evidence: checked 2026-07-26 (source: 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)

## HDFC Bank Diners Club Black Metal Edition

- URL: https://www.cardmasters.in/card/hdfc-diners-club-black-metal
- Issuer: HDFC Bank
- Networks: Diners Club
- Tier: super-premium
- Joining fee: Rs 10,000 plus GST
- Annual fee: Rs 10,000 plus GST
- Fee waiver: Rs 8,00,000 eligible annual spend
- Base rewards: 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply
- Accelerated: Up to 10X Reward Points through eligible SmartBuy routes on SmartBuy
- Accelerated: 2X Reward Points at participating weekend-dining restaurants on Participating weekend-dining restaurants
- Accelerated: 3.333333x on Eligible utility, telecom and grocery spend
- Reward exclusions: fuel, rent, wallet-load, easy-emi, smart-emi, education, government
- Forex markup: 2%
- Domestic lounge: unlimited at participating Diners Club lounges for primary and add-on cardholders
- International lounge: unlimited at participating Diners Club lounges worldwide for primary and add-on cardholders
- Eligibility: min age 21; published monthly income floor Rs 2,50,000
- Best suited to: travel, high-spender, memberships
- Issuer evidence: checked 2026-07-28 (source: https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card)

## Marriott Bonvoy HDFC Bank

- URL: https://www.cardmasters.in/card/hdfc-marriott-bonvoy
- Issuer: HDFC Bank
- Networks: Diners Club
- Tier: premium
- Joining fee: Rs 3,000 plus GST
- Annual fee: Rs 3,000 plus GST
- Fee waiver: none recorded
- Base rewards: 2 Marriott Bonvoy Points per ₹150 on eligible purchases
- Accelerated: 5.333333333333333x on Marriott hotels
- Accelerated: 2.6666666666666665x on travel/dining/entertainment
- Reward exclusions: fuel, rent, wallet-load, gift-card, prepaid-card-load, voucher, cash-advance, government, fees, outstanding-balance
- Forex markup: 3.5%
- Domestic lounge: 12/yr (combined domestic + international terminals in India)
- International lounge: included in the 12 visits
- Eligibility: min age 21; published monthly income floor Rs 1,00,000
- Best suited to: marriott-loyalists, hotels, travel
- Issuer evidence: checked 2026-08-01 (source: https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card)

## HDFC Bank MoneyBack+

- URL: https://www.cardmasters.in/card/hdfc-moneyback-plus
- Issuer: HDFC Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 50,000 eligible annual spend
- Base rewards: 2 CashPoints per ₹200 on eligible spends
- Accelerated: 20 CashPoints per ₹200, capped at 2,500 CashPoints/month on Amazon/Flipkart/Swiggy/BigBasket/Reliance Smart SuperStore
- Reward exclusions: fuel, rent, wallet-load, emi, govt, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 20,000
- Best suited to: first-card, online-shopping, low-spender
- Issuer evidence: checked 2026-08-01 (source: https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card)

## HDFC Bank Freedom

- URL: https://www.cardmasters.in/card/hdfc-freedom
- Issuer: HDFC Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 50,000 eligible annual spend
- Base rewards: 1 CashPoint per ₹200 on eligible spends
- Accelerated: 10 CashPoints per ₹200, capped at 2,500 CashPoints/month on Swiggy/BigBasket/BookMyShow/OYO/Uber
- Reward exclusions: fuel, rent, wallet-load, emi, govt, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 12,001
- Best suited to: credit-builder, first-card, low-spender
- Issuer evidence: checked 2026-08-01 (source: https://www.hdfc.bank.in/credit-cards/freedom-credit-card)

## HDFC Bank PIXEL Play

- URL: https://www.cardmasters.in/card/hdfc-pixel-play
- Issuer: HDFC Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% PIXEL CashPoints on eligible general spends
- Accelerated: 5% PIXEL CashPoints on merchants in two packs selected during setup on 2 chosen category packs (dining&entertainment / travel / grocery / electronics / fashion)
- Accelerated: 3% PIXEL CashPoints on one selected platform on 1 chosen e-commerce merchant (Amazon/Flipkart/PayZapp)
- Reward exclusions: fuel, rent, wallet-load, emi, govt, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 25,000
- Best suited to: digital-native, cashback, first-card, lifetime-free
- Issuer evidence: checked 2026-08-01 (source: https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card)

## IRCTC HDFC Bank

- URL: https://www.cardmasters.in/card/hdfc-irctc
- Issuer: HDFC Bank
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 1 Reward Point per ₹100 on eligible retail spend; value requires IRCTC train-ticket redemption
- Accelerated: 5 Reward Points per ₹100, capped at 1,000 points/month on IRCTC ticketing website / Rail Connect app
- Accelerated: 1x on Groceries
- Accelerated: 1x on Utilities and telecom
- Accelerated: 1x on Other eligible modeled spends
- Reward exclusions: fuel, rent, wallet-load, gift-card, prepaid-card, voucher, cash-advance, outstanding-balance, fees, government, education, gaming, smart-emi
- Forex markup: 3.5%
- Domestic lounge: none (airport)
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: train-travel, budget-traveler
- Issuer evidence: checked 2026-07-26 (source: 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)

## SimplyCLICK SBI Card

- URL: https://www.cardmasters.in/card/sbi-simplyclick
- Issuer: SBI Card
- Networks: Visa, Mastercard, RuPay
- Tier: entry
- Joining fee: Rs 499 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 1,00,000 eligible annual spend
- Base rewards: 1 Reward Point per ₹100 on eligible spends
- Accelerated: 10 Reward Points per ₹100 at currently listed exclusive online partners on Apollo 24x7/BookMyShow/Cleartrip/Dominos/Gyftr/IGP/Myntra/Netmeds/Tata CLiQ/Yatra
- Accelerated: 5 Reward Points per ₹100 on eligible other online spend on all other online spends
- Reward exclusions: fuel, rent, wallet-load, government, digital-gaming, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21
- Best suited to: online-shopping, first-card, low-fee
- Issuer evidence: checked 2026-07-28 (source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/value-savings/simplyclick/simplyclick-sbi-card-rp-tnc.pdf)

## BPCL SBI Card OCTANE

- URL: https://www.cardmasters.in/card/sbi-bpcl-octane
- Issuer: SBI Card
- Networks: Visa, RuPay
- Tier: mid
- Joining fee: Rs 1,499 plus GST
- Annual fee: Rs 1,499 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% in Reward Points
- Accelerated: 25 Reward Points per ₹100 at eligible BPCL fuel and lubricant outlets on BPCL fuel/Bharatgas/lubricants
- Accelerated: 25 Reward Points per ₹100 on eligible Bharatgas website/app payments on Bharatgas website/app
- Accelerated: 10 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend on grocery/departmental/dining/movies
- Reward exclusions: fuel, wallet-load, non-BPCL fuel
- Forex markup: 3.5%
- Domestic lounge: 4/yr (1 per quarter, restricted Jan 2026)
- International lounge: none
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: fuel, daily-commuter
- Issuer evidence: checked 2026-08-01 (source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/BPCLOctanetnc.pdf)

## SBI Card MILES ELITE

- URL: https://www.cardmasters.in/card/sbi-miles-elite
- Issuer: SBI Card
- Networks: Mastercard, RuPay
- Tier: premium
- Joining fee: Rs 4,999 plus GST
- Annual fee: Rs 4,999 plus GST
- Fee waiver: Rs 15,00,000 eligible annual spend
- Base rewards: 2 Travel Credits per ₹200 on eligible other spend
- Accelerated: 3x on travel spends (air/rail/hotels/OTAs)
- Reward exclusions: fuel, wallet-load, rent, education, utility, insurance, quasi-cash, cash-advance, financial-charges, disputed-transactions, encash, atm-withdrawal, flexipay, merchant-emi
- Forex markup: 1.99%
- Domestic lounge: 8/yr (maximum 2/quarter), plus 1 additional visit per cumulative ₹1 lakh spend; additional visits capped at 8/membership year
- International lounge: 6/yr through Priority Pass; paid thereafter
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: miles-transfer, travel, low-forex
- Issuer evidence: checked 2026-08-01 (source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-elite-tnc.pdf)

## IRCTC SBI Card Premier

- URL: https://www.cardmasters.in/card/sbi-irctc-premier
- Issuer: SBI Card
- Networks: Visa, RuPay
- Tier: mid
- Joining fee: Rs 1,499 plus GST
- Annual fee: Rs 1,499 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1 Reward Point per ₹125 on eligible non-fuel retail purchases
- Accelerated: 12.5x on IRCTC train tickets (AC classes)
- Accelerated: 3x on dining and standing instruction utility spends
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none (airport)
- International lounge: none
- Eligibility: published monthly income floor Rs 30,000
- Best suited to: train-travel, frequent-rail-commuter
- Issuer evidence: checked 2026-07-23 (source: https://www.sbicard.com/en/personal/credit-cards/irctc-premier-card.html)

## American Express Membership Rewards Credit Card (MRCC)

- URL: https://www.cardmasters.in/card/amex-mrcc
- Issuer: American Express
- Networks: Amex
- Tier: entry
- Joining fee: Rs 1,000 plus GST
- Annual fee: Rs 4,500 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 1 Membership Rewards point per ₹50 on eligible spend
- Reward exclusions: fuel, insurance, utilities, cash-advance, emi
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 18; published monthly income floor Rs 37,500
- Best suited to: disciplined-monthly-spender, points-collector
- Issuer evidence: checked 2026-07-30 (source: https://www.americanexpress.com/in/credit-cards/membership-rewards-card/)

## American Express SmartEarn

- URL: https://www.cardmasters.in/card/amex-smartearn
- Issuer: American Express
- Networks: Amex
- Tier: entry
- Joining fee: Rs 495 plus GST
- Annual fee: Rs 495 plus GST
- Fee waiver: Rs 40,000 eligible annual spend
- Base rewards: 1 Membership Rewards point per ₹50 on eligible spend
- Accelerated: 20x on selected 10X merchants excluding Zomato and EaseMyTrip
- Accelerated: 20x on Zomato and EaseMyTrip
- Accelerated: 10x on Amazon
- Reward exclusions: fuel, insurance, utilities, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 18; published monthly income floor Rs 37,500
- Best suited to: first-amex, online-shopping, low-fee
- Issuer evidence: checked 2026-08-01 (source: https://www.americanexpress.com/in/credit-cards/smart-earn-credit-card/)

## American Express Gold Charge Card

- URL: https://www.cardmasters.in/card/amex-gold-charge
- Issuer: American Express
- Networks: Amex
- Tier: mid
- Joining fee: Rs 1,000 plus GST
- Annual fee: Rs 4,500 plus GST
- Fee waiver: none recorded
- Base rewards: 1 Membership Rewards point per ₹50 on eligible spends, including utility payments
- Reward exclusions: fuel, insurance, cash-advance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 50,000
- Best suited to: charge-card, points-collector, high-monthly-transactor
- Issuer evidence: checked 2026-07-23 (source: https://www.americanexpress.com/in/charge-cards/gold-card/)

## Flipkart Axis Bank

- URL: https://www.cardmasters.in/card/axis-flipkart
- Issuer: Axis Bank
- Networks: Visa, RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 3,50,000 eligible annual spend
- Base rewards: 1% cashback on other eligible spends
- Accelerated: 7.5x on Myntra
- Accelerated: 5x on Flipkart (excluding Flipkart Health)
- Accelerated: 5x on Cleartrip
- Accelerated: 4x on issuer-listed preferred merchants
- Reward exclusions: fuel, rent, wallet-load, gift-card, emi, insurance, utility, telecom, education, government, financial-institution, gold-jewellery, cash-advance, card-fees
- Forex markup: 3.5%
- Domestic lounge: none (removed June 2025)
- International lounge: none
- Eligibility: min age 18
- Best suited to: flipkart, myntra, cashback, online-shopping
- Issuer evidence: checked 2026-07-28 (source: https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card)

## Airtel Axis Bank

- URL: https://www.cardmasters.in/card/axis-airtel
- Issuer: Axis Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% cashback on eligible other spends
- Accelerated: 25x on Airtel mobile/broadband/DTH via Airtel Thanks app
- Accelerated: 10x on utility bills via Airtel Thanks
- Accelerated: 10x on Zomato/Blinkit/District Movies
- Reward exclusions: cash-advance, financial-institution, fuel, rent, wallet-load, emi, fees, jewellery, insurance, education, government, utility, telecom
- Forex markup: 3.5%
- Domestic lounge: none (4/yr removed Apr 2026)
- International lounge: none
- Eligibility: min age 18
- Best suited to: bills-utilities, airtel-users, cashback
- Issuer evidence: checked 2026-07-30 (source: 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)

## Axis Bank Neo

- URL: https://www.cardmasters.in/card/axis-neo
- Issuer: Axis Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1 EDGE Reward Point per ₹200 on eligible spend
- Reward exclusions: fuel, rent, wallet-load, insurance, government, utility, education, cash-advance, outstanding-balance
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 18
- Best suited to: first-card, discount-vouchers, young-professional, lifetime-free
- Issuer evidence: checked 2026-08-01 (source: https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card)

## Axis Bank Privilege

- URL: https://www.cardmasters.in/card/axis-privilege
- Issuer: Axis Bank
- Networks: Visa Signature
- Tier: mid
- Joining fee: Rs 1,500 plus GST
- Annual fee: Rs 1,500 plus GST
- Fee waiver: Rs 5,00,000 eligible annual spend
- Base rewards: 5% in EDGE Reward Points
- Reward exclusions: fuel, rent, wallet-load, insurance, utility, jewellery, government, education
- Forex markup: 3.5%
- Domestic lounge: 2/quarter (₹50,000 spend in previous 3 months)
- International lounge: none
- Eligibility: published monthly income floor Rs 50,000
- Best suited to: milestone-spender, mid-spender
- Issuer evidence: checked 2026-07-23 (source: https://www.axis.bank.in/cards/credit-card/privilege-credit-card-with-unlimited-benefits)

## Axis Bank Select

- URL: https://www.cardmasters.in/card/axis-select
- Issuer: Axis Bank
- Networks: Mastercard World
- Tier: premium
- Joining fee: Rs 3,000 plus GST
- Annual fee: Rs 3,000 plus GST
- Fee waiver: Rs 8,00,000 eligible annual spend
- Base rewards: 10 EDGE Reward Points per ₹200 on eligible spend
- Accelerated: 2x on retail shopping (first ₹20,000/mo)
- Reward exclusions: fuel, rent, wallet-load, insurance, utility, jewellery, government, education
- Forex markup: 3.5%
- Domestic lounge: 2/quarter (₹50,000 spend in previous 3 months)
- International lounge: up to 12/yr through Priority Pass; membership renews after ₹3 lakh preceding anniversary-year spend
- Eligibility: min age 18; published monthly income floor Rs 50,000
- Best suited to: lounge, grocery, premium-lifestyle
- Issuer evidence: checked 2026-08-01 (source: https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card)

## Samsung Axis Bank Signature

- URL: https://www.cardmasters.in/card/axis-samsung-signature
- Issuer: Axis Bank
- Networks: Visa Signature
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 5 EDGE Reward Points per ₹100 on eligible domestic and international spend
- Accelerated: 10% statement cashback on eligible Samsung purchases on Samsung purchases (store/online/Samsung Shop app)
- Accelerated: 10 EDGE Reward Points per ₹100 at current preferred partners on bigbasket/Tata 1mg/Urban Company/Myntra/Zomato
- Reward exclusions: fuel, rent, wallet-load, insurance, government, utility, school, jewellery, financial-institution, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 4/yr (₹50,000 spend in previous 3 months)
- International lounge: none
- Eligibility: min age 18
- Best suited to: samsung-buyers, electronics, cashback
- Issuer evidence: checked 2026-08-01 (source: https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-signature-credit-card)

## Axis Bank IndiGo

- URL: https://www.cardmasters.in/card/axis-indigo
- Issuer: Axis Bank
- Networks: RuPay, Visa
- Tier: entry
- Joining fee: Rs 799 plus GST
- Annual fee: Rs 799 plus GST
- Fee waiver: none recorded
- Base rewards: 1 IndiGo BluChip per ₹100 on eligible spends
- Accelerated: 3x on IndiGo channels (flights/website/app)
- Accelerated: 2x on grocery & dining
- Reward exclusions: government, insurance, utilities, telecom, rent, wallet-load, fuel, jewellery, emi, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 4/yr (1/quarter on ₹50k spend in prior 3 months)
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: indigo-flyers, domestic-travel
- Issuer evidence: checked 2026-07-26 (source: https://www.axis.bank.in/docs/default-source/default-document-library/final_indigo-base_customer-tnc.pdf?sfvrsn=797c78d0_2)

## Axis Bank IndiGo Premium

- URL: https://www.cardmasters.in/card/axis-indigo-premium
- Issuer: Axis Bank
- Networks: RuPay, Visa
- Tier: mid
- Joining fee: Rs 5,000 plus GST
- Annual fee: Rs 5,000 plus GST
- Fee waiver: none recorded
- Base rewards: 2 BluChips per ₹100 on eligible spends
- Accelerated: 3.5x on IndiGo channels (flights/website/app)
- Accelerated: 1.5x on grocery & hotels
- Reward exclusions: government, insurance, utilities, telecom, rent, wallet-load, fuel, jewellery
- Forex markup: 2.5%
- Domestic lounge: 8/yr (2/quarter on ₹50k spend in prior 3 months)
- International lounge: 2/yr (Priority Pass)
- Eligibility: published monthly income floor Rs 50,000
- Best suited to: indigo-flyers, domestic-travel, travel
- Issuer evidence: checked 2026-07-23 (source: https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-premium-credit-card)

## ICICI Bank Sapphiro

- URL: https://www.cardmasters.in/card/icici-sapphiro
- Issuer: ICICI Bank
- Networks: Visa Signature, Mastercard World, Amex, RuPay
- Tier: premium
- Joining fee: Rs 6,500 plus GST
- Annual fee: Rs 3,500 plus GST
- Fee waiver: Rs 6,00,000 eligible annual spend
- Base rewards: 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend
- Accelerated: 4x on international spends
- Accelerated: 1x on utility, insurance and government payments
- Reward exclusions: fuel, rent, wallet-load, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 4/quarter (₹75,000 spend in previous quarter)
- International lounge: 2/yr + complimentary Priority Pass membership
- Eligibility: min age 21; published monthly income floor Rs 75,000
- Best suited to: lounge, golf, premium-lifestyle
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card)

## ICICI Bank Rubyx

- URL: https://www.cardmasters.in/card/icici-rubyx
- Issuer: ICICI Bank
- Networks: Visa, Mastercard, Amex, RuPay
- Tier: mid
- Joining fee: Rs 3,000 plus GST
- Annual fee: Rs 2,000 plus GST
- Fee waiver: Rs 3,00,000 eligible annual spend
- Base rewards: 2 ICICI Bank Reward Points per ₹100 on eligible domestic retail spend
- Accelerated: 4x on international spends
- Accelerated: 1x on utility, insurance and government payments
- Reward exclusions: fuel, rent, wallet-load, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 2/quarter (₹75,000 spend in previous quarter)
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 75,000
- Best suited to: mid-spender, movies, dual-card
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card)

## ICICI Bank Coral

- URL: https://www.cardmasters.in/card/icici-coral
- Issuer: ICICI Bank
- Networks: Visa, Mastercard, RuPay
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 2 ICICI Bank Reward Points per ₹100 on eligible retail spend
- Accelerated: 1x on utility, insurance and government payments
- Reward exclusions: fuel, rent, wallet-load, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 1/quarter (₹75,000 spend in previous quarter)
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 20,000
- Best suited to: first-card, movies, lifetime-free
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card)

## ICICI Bank HPCL Super Saver

- URL: https://www.cardmasters.in/card/icici-hpcl-super-saver
- Issuer: ICICI Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 2 ICICI Bank Reward Points per ₹100 on eligible retail spends
- Accelerated: 4% statement cashback on HPCL fuel
- Accelerated: 20 points per ₹100 (about 5% at ₹0.25/point) on utility/grocery/departmental stores
- Reward exclusions: emi, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 1/quarter (₹75,000 spend in previous quarter)
- International lounge: none
- Eligibility: published monthly income floor Rs 20,000
- Best suited to: fuel, bills-utilities, commuter
- Issuer evidence: checked 2026-07-26 (source: https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/hpcl-super-saver-credit-card-tnc-updated.pdf)

## MakeMyTrip ICICI Bank

- URL: https://www.cardmasters.in/card/icici-makemytrip
- Issuer: ICICI Bank
- Networks: Mastercard, RuPay
- Tier: mid
- Joining fee: Rs 999 plus GST
- Annual fee: Rs 999 plus GST
- Fee waiver: Rs 3,00,000 eligible annual spend
- Base rewards: 1 myCash per ₹100 on eligible other retail spend
- Accelerated: 6x on MakeMyTrip hotels
- Accelerated: 3x on MakeMyTrip flights, buses and cabs
- Reward exclusions: rent, cash-advance, late-payment-fee, emi, fees, balance-transfer, personal-loan
- Forex markup: 0.99%
- Domestic lounge: 2/quarter after ₹75,000 spend in previous calendar quarter; primary Cardholder only
- International lounge: 1/yr; primary Cardholder only
- Eligibility: min age 21; published monthly income floor Rs 20,000
- Best suited to: travel, makemytrip, low-forex
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/makemytrip-icici-bank-credit-card)

## ICICI Bank Times Black

- URL: https://www.cardmasters.in/card/icici-times-black
- Issuer: ICICI Bank
- Networks: Visa Infinite
- Tier: super-premium
- Joining fee: Rs 20,000 plus GST
- Annual fee: Rs 20,000 plus GST
- Fee waiver: Rs 25,00,000 eligible annual spend
- Base rewards: 2 ICICI Bank Reward Points per ₹100 on eligible domestic spend
- Accelerated: 1.25x on international spends
- Accelerated: 2x on utility, insurance, education and government payments
- Reward exclusions: fuel, rent, emi
- Forex markup: 1.49%
- Domestic lounge: unlimited
- International lounge: unlimited via Priority Pass for primary and Plus Cardholders
- Eligibility: min age 21; published monthly income floor Rs 2,00,000
- Best suited to: travel, luxury, high-spender, low-forex
- Issuer evidence: checked 2026-08-01 (source: https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card)

## Kotak Mahindra Bank League Platinum

- URL: https://www.cardmasters.in/card/kotak-league-platinum
- Issuer: Kotak Mahindra Bank
- Networks: Visa Platinum
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 50,000 eligible annual spend
- Base rewards: 0.65% in Kotak Reward Points
- Accelerated: 2x on travel/airlines/departmental stores/electronics
- Accelerated: 2x on all spends beyond ₹2L/yr
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: movies, first-card, milestone-spender
- Issuer evidence: verification pending

## IDFC FIRST Bank FIRST Wealth

- URL: https://www.cardmasters.in/card/idfc-first-wealth
- Issuer: IDFC FIRST Bank
- Networks: Visa Infinite
- Tier: premium
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point)
- Accelerated: 3.333333x on dining, travel, international and birthday spends
- Reward exclusions: fuel, emi, cash-advance, fees, loan-on-card, balance-transfer
- Forex markup: 1.5%
- Domestic lounge: 1/quarter after ₹20K spend in the previous calendar month
- International lounge: 1/quarter after ₹20K spend in the previous calendar month
- Eligibility: published monthly income floor Rs 3,00,000
- Best suited to: lifetime-free, low-forex, premium-on-budget
- Issuer evidence: checked 2026-08-01 (source: https://www.idfcfirst.bank.in/credit-card/wealth)

## IDFC FIRST Bank HPCL Power+ 

- URL: https://www.cardmasters.in/card/idfc-power-plus
- Issuer: IDFC FIRST Bank
- Networks: RuPay, Visa
- Tier: entry
- Joining fee: Rs 499 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 0.75% in Reward Points
- Accelerated: 8.7x on HPCL fuel (card + Happy Coins via HP Pay app)
- Accelerated: 6.7x on grocery, utility, IRCTC/HPCL LPG
- Reward exclusions: rent, emi, wallet-load, non-HPCL fuel earns base only
- Forex markup: 3.5%
- Domestic lounge: 1/quarter (₹20K monthly spend condition)
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: fuel, commuter, utilities
- Issuer evidence: verification pending

## AU Small Finance Bank LIT

- URL: https://www.cardmasters.in/card/au-lit
- Issuer: AU Small Finance Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1 Reward Point per ₹100 on eligible retail spend
- Accelerated: Up to 10 Reward Points per ₹100 with a separately paid 90-day feature on selected online or offline paid feature
- Accelerated: Up to 5% cashback with a separately paid 90-day feature on selected category or milestone paid feature
- Reward exclusions: fuel, rent, cash-advance, school, government, quasi-cash
- Forex markup: 3.49%
- Domestic lounge: available only as a paid selectable feature
- International lounge: none
- Eligibility: min age 21
- Best suited to: customization, first-card, experimenters
- Issuer evidence: checked 2026-08-01 (source: https://www.au.bank.in/lit-terms-and-conditions)

## RBL Bank World Safari

- URL: https://www.cardmasters.in/card/rbl-world-safari
- Issuer: RBL Bank
- Networks: Mastercard World
- Tier: mid
- Joining fee: Rs 3,000 plus GST
- Annual fee: Rs 3,000 plus GST
- Fee waiver: none recorded
- Base rewards: 0.5% in Travel Points
- Accelerated: 2.5x on travel (airlines, hotels, travel agencies)
- Reward exclusions: fuel, rent, wallet-load, insurance
- Forex markup: 0%
- Domestic lounge: 2/yr complimentary
- International lounge: 2/yr via Priority Pass + 1 extra per quarter on ₹50K quarterly spend
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: international-travel, zero-forex
- Issuer evidence: verification pending

## IndianOil RBL Bank

- URL: https://www.cardmasters.in/card/rbl-indian-oil
- Issuer: RBL Bank
- Networks: RuPay, Mastercard
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 1,75,000 eligible annual spend
- Base rewards: 0.5% in Fuel Points
- Accelerated: 10x on IndianOil fuel
- Accelerated: 4x on groceries
- Reward exclusions: rent, wallet-load, emi, non-IOCL fuel
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: fuel, iocl-loyalists, commuter
- Issuer evidence: verification pending

## IndusInd Bank Tiger

- URL: https://www.cardmasters.in/card/indusind-tiger
- Issuer: IndusInd Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1 Reward Point per ₹100 on eligible spend
- Reward exclusions: fuel
- Forex markup: 1.5%
- Domestic lounge: 8/yr (no spend condition)
- International lounge: 2/yr
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: lifetime-free, lounge, air-india-miles, high-annual-spender
- Issuer evidence: checked 2026-08-01 (source: https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html)

## IndusInd Bank EazyDiner

- URL: https://www.cardmasters.in/card/indusind-eazydiner
- Issuer: IndusInd Bank
- Networks: Visa
- Tier: mid
- Joining fee: Rs 2,999 plus GST
- Annual fee: Rs 2,999 plus GST
- Fee waiver: none recorded
- Base rewards: 1% in Reward Points
- Accelerated: 2.5x on shopping, entertainment, hotels, travel
- Accelerated: x on EazyDiner app payments
- Reward exclusions: fuel
- Forex markup: 3.5%
- Domestic lounge: 2/quarter (spend condition may apply)
- International lounge: none
- Eligibility: published monthly income floor Rs 40,000
- Best suited to: dining, foodies, restaurant-deals
- Issuer evidence: verification pending

## Yes Bank Marquee

- URL: https://www.cardmasters.in/card/yes-marquee
- Issuer: Yes Bank
- Networks: Mastercard World Elite
- Tier: super-premium
- Joining fee: Rs 9,999 plus GST
- Annual fee: Rs 4,999 plus GST
- Fee waiver: Rs 10,00,000 eligible annual spend
- Base rewards: 18 YES Rewardz Points per ₹200 on eligible offline and other non-accelerated retail spend
- Accelerated: 2x on online travel & airline spends
- Accelerated: 3x on utility spend
- Reward exclusions: fuel, rent, wallet-load, government, marketing-advertising, cash-advance, fees, post-purchase-emi, emi-on-call, instant-emi, insurance, education, railway, toll, ferry
- Forex markup: 1%
- Domestic lounge: 6/quarter (₹1L quarterly spend condition), incl add-on
- International lounge: unlimited for primary + add-on
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: international-lounge, movies, low-forex
- Issuer evidence: checked 2026-08-01 (source: https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card)

## Yes Bank Paisabazaar PaisaSave

- URL: https://www.cardmasters.in/card/yes-paisasave
- Issuer: Yes Bank
- Networks: Mastercard, RuPay (virtual)
- Tier: entry
- Joining fee: Rs 499 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 1,20,000 eligible annual spend
- Base rewards: 1% in Cashback
- Accelerated: 6x on dining (Swiggy/Zomato/restaurants) + travel (MMT/EaseMyTrip/airlines/hotels)
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: cashback, dining, upi, first-card
- Issuer evidence: verification pending

## HSBC Live+

- URL: https://www.cardmasters.in/card/hsbc-live-plus
- Issuer: HSBC
- Networks: Visa
- Tier: entry
- Joining fee: Rs 999 plus GST
- Annual fee: Rs 999 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1.5% in Cashback
- Accelerated: 6.67x on dining, food delivery, grocery
- Reward exclusions: fuel, rent, wallet-load, emi, insurance, utilities
- Forex markup: 3.5%
- Domestic lounge: 4/yr (1 per quarter)
- International lounge: none
- Eligibility: published monthly income floor Rs 50,000
- Best suited to: dining, grocery, food-delivery, cashback
- Issuer evidence: checked 2026-07-23 (source: https://www.hsbc.co.in/credit-cards/products/live-plus/)

## HSBC TravelOne

- URL: https://www.cardmasters.in/card/hsbc-travelone
- Issuer: HSBC
- Networks: Mastercard World
- Tier: premium
- Joining fee: Rs 4,999 plus GST
- Annual fee: Rs 4,999 plus GST
- Fee waiver: Rs 8,00,000 eligible annual spend
- Base rewards: 2 Reward Points per ₹100 on eligible spend; CardMasters models a conservative ₹0.30/point because issuer redemption values vary
- Accelerated: 2x on airlines, travel aggregators and foreign-currency spends
- Reward exclusions: fuel, rent, wallet-load, insurance, education, government, utility, jewellery, tax, money-transfer, financial-institution, bail-bond, cash-advance, fees
- Forex markup: 3.5%
- Domestic lounge: 6/yr (HSBC TravelOne lounge program, 50+ lounges)
- International lounge: 4/yr via LoungeKey
- Eligibility: min age 18; published monthly income floor Rs 50,000
- Best suited to: miles-transfer, travel, flexible-points
- Issuer evidence: checked 2026-08-01 (source: https://www.hsbc.co.in/credit-cards/products/travelone/)

## Standard Chartered Ultimate

- URL: https://www.cardmasters.in/card/sc-ultimate
- Issuer: Standard Chartered
- Networks: Mastercard
- Tier: premium
- Joining fee: Rs 5,000 plus GST
- Annual fee: Rs 5,000 plus GST
- Fee waiver: none recorded
- Base rewards: 3.33% on most eligible spends; 2% on six revised categories
- Reward exclusions: fuel, wallet-load
- Forex markup: 2%
- Domestic lounge: 4 complimentary visits per calendar quarter
- International lounge: 1 Priority Pass visit/month after ₹20,000 card spend in the previous month
- Eligibility: published monthly income floor Rs 60,000
- Best suited to: high-spender, golf
- Issuer evidence: checked 2026-07-23 (source: https://www.sc.bank.in/credit-cards/ultimate-card/)

## Standard Chartered EaseMyTrip

- URL: https://www.cardmasters.in/card/sc-easemytrip
- Issuer: Standard Chartered
- Networks: Visa
- Tier: entry
- Joining fee: Rs 350 plus GST
- Annual fee: Rs 350 plus GST
- Fee waiver: Rs 50,000 eligible annual spend
- Base rewards: 1% in Reward Points
- Accelerated: 2.5x on airline & hotel websites/standalone bookings
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: 2/yr (reduced from quarterly, Oct 2024)
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: budget-travel, flights-hotels, low-fee
- Issuer evidence: verification pending

## Bank of Baroda (BOBCARD) Eterna

- URL: https://www.cardmasters.in/card/bob-eterna
- Issuer: Bank of Baroda (BOBCARD)
- Networks: Visa Signature
- Tier: premium
- Joining fee: Rs 2,499 plus GST
- Annual fee: Rs 2,499 plus GST
- Fee waiver: Rs 2,50,000 eligible annual spend
- Base rewards: 3 RP/₹100 (worth ₹0.75 as cashback)
- Accelerated: 15 RP/₹100 (worth 3.75% as cashback) on online shopping, travel, dining, movies, international
- Reward exclusions: fuel, rent, wallet-load, cash-withdrawal, emi, grocery, insurance, education, government, charity, agriculture
- Forex markup: 2%
- Domestic lounge: unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026)
- International lounge: none complimentary
- Eligibility: min age 25; published monthly income floor Rs 1,00,000
- Best suited to: online-shopping, domestic-lounge, fitness, value-premium
- Issuer evidence: checked 2026-07-28 (source: https://www.bobcard.co.in/credit-card-types/eterna)

## Federal Bank Celesta

- URL: https://www.cardmasters.in/card/federal-celesta
- Issuer: Federal Bank
- Networks: Visa Signature, Mastercard
- Tier: mid
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1 Federal Reward Point per ₹100 on eligible spend
- Accelerated: 3x on travel & international spends
- Accelerated: 2x on dining
- Accelerated: 1x on insurance
- Reward exclusions: fuel, rent, wallet-load, government, financial-institution, quasi-cash, cash-advance
- Forex markup: 2%
- Domestic lounge: 2/quarter (₹60K spend in prior quarter)
- International lounge: 2/yr, no spend criteria
- Eligibility: min age 21
- Best suited to: balanced, lifetime-free, occasional-traveler
- Issuer evidence: checked 2026-07-30 (source: https://www.federal.bank.in/credit-cards-mitc)

## Yes Bank / AU Small Finance Bank (via Kiwi) Kiwi RuPay Credit Card (credit on UPI)

- URL: https://www.cardmasters.in/card/kiwi-yes-rupay
- Issuer: Yes Bank / AU Small Finance Bank (via Kiwi)
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% in Kiwis
- Accelerated: 2x on Scan & Pay UPI spends
- Reward exclusions: fuel, rent, wallet-load, P2P-UPI
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 20,000
- Best suited to: upi-credit, lifetime-free, first-card
- Issuer evidence: verification pending

## Edge+ CSB Bank RuPay Credit Card

- URL: https://www.cardmasters.in/card/jupiter-edge-plus-csb
- Issuer: CSB Bank (via Jupiter)
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% in Jewels
- Accelerated: 10x on Shopping brands (Amazon/Flipkart/Myntra/Ajio/Nykaa/Croma etc.)
- Accelerated: 7x on Jupiter Flights
- Reward exclusions: fuel, rent, gift-cards, grocery, utility, subscriptions
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: upi-credit, online-shopping, lifetime-free
- Issuer evidence: verification pending

## Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)

- URL: https://www.cardmasters.in/card/supermoney-supercard-utkarsh
- Issuer: Utkarsh Small Finance Bank (via super.money / Flipkart group)
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 0.5% in Cashback
- Accelerated: 10x on Myntra
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: credit-builder, upi-credit, no-income-proof
- Issuer evidence: verification pending

## slice UPI Credit Card

- URL: https://www.cardmasters.in/card/slice-upi-credit
- Issuer: Slice Small Finance Bank
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% cash value at the entry redemption slab on eligible domestic spends
- Reward exclusions: fuel, rent, wallet-load, insurance, emi, education, government, gaming, international, agriculture, cash-advance, financial-institutions
- Forex markup: 0%
- Domestic lounge: none
- International lounge: none
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: upi-credit
- Issuer evidence: checked 2026-07-26 (source: https://slice.bank.in/cc-mitc/)

## Paytm HDFC Bank Credit Card

- URL: https://www.cardmasters.in/card/paytm-hdfc
- Issuer: HDFC Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 50,000 eligible annual spend
- Base rewards: 1% CashPoints on eligible retail spend, capped at ₹1,000/month
- Accelerated: 3% CashPoints, capped at ₹500/month on Select Paytm Recharge, Utility, Movies and Mini App purchases
- Accelerated: 2% CashPoints, capped at ₹500/month on All other Paytm spends
- Reward exclusions: fuel, rent, wallet-load, emi, government, education, gaming
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 25,000
- Best suited to: paytm-ecosystem, bills-utilities, first-card
- Issuer evidence: checked 2026-07-26 (source: 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)

## Paytm SBI Card

- URL: https://www.cardmasters.in/card/paytm-sbi
- Issuer: SBI Card
- Networks: Visa
- Tier: entry
- Joining fee: Rs 499 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 1,00,000 eligible annual spend
- Base rewards: 1 Reward Point per ₹100 on eligible spends, including UPI; minimum eligible transaction ₹100
- Accelerated: 3 Reward Points per ₹100 on Paytm App travel, movies and mall
- Accelerated: 2 Reward Points per ₹100 on Other eligible Paytm App purchases
- Reward exclusions: fuel, wallet-load, balance-transfer, cash-advance, easy-money, encash, dial-a-draft, atm-withdrawal, fees, education, flexipay, merchant-emi
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: issuer does not publish a card-specific cutoff
- Best suited to: paytm-ecosystem, cashback, first-card
- Issuer evidence: checked 2026-07-30 (source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/PaytmBase-TnC.pdf)

## PhonePe HDFC Bank Ultimo

- URL: https://www.cardmasters.in/card/phonepe-hdfc-ultimo
- Issuer: HDFC Bank
- Networks: RuPay
- Tier: mid
- Joining fee: Rs 999 plus GST
- Annual fee: Rs 999 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% in Reward Points
- Accelerated: 10x on PhonePe categories (utilities/movies/hotels/travel/recharges/bills)
- Accelerated: 5x on Myntra/Swiggy/Zomato/Amazon/Ajio/Flipkart/Uber
- Accelerated: 1x on UPI scan & pay
- Reward exclusions: fuel, rent, wallet-load, emi
- Forex markup: 3.5%
- Domestic lounge: 8/yr (2 per quarter, on ₹75K quarterly spend)
- International lounge: none
- Eligibility: published monthly income floor Rs 35,000
- Best suited to: phonepe-ecosystem, bills-utilities, upi-credit
- Issuer evidence: verification pending

## PhonePe HDFC Bank Uno

- URL: https://www.cardmasters.in/card/phonepe-hdfc-uno
- Issuer: HDFC Bank
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 499 plus GST
- Annual fee: Rs 499 plus GST
- Fee waiver: Rs 1,00,000 eligible annual spend
- Base rewards: Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions
- Accelerated: 2 Reward Points per ₹100, capped at 500 points/month on Select PhonePe categories: recharges, bills, travel and stays
- Accelerated: 1 Reward Point per ₹100, capped at 500 points/month on Select online brands
- Accelerated: 1 Reward Point per ₹100, capped at 500 points/month on QR Scan & Pay
- Reward exclusions: fuel, rent, wallet-load, emi, gift-card, cash-advance, credit-card-bill-payment, fees, government, education, insurance, investment, jewelry
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: min age 21; published monthly income floor Rs 25,000
- Best suited to: phonepe-ecosystem, first-card, upi-credit
- Issuer evidence: checked 2026-07-26 (source: 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)

## Yes Bank (via Uni) Uni GoldX Credit Card

- URL: https://www.cardmasters.in/card/uni-goldx-yes
- Issuer: Yes Bank (via Uni)
- Networks: RuPay
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 1% in 24K Digital Gold
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: gold-rewards, lifetime-free, upi-credit
- Issuer evidence: verification pending

## Fi-Federal MagniFi

- URL: https://www.cardmasters.in/card/federal-fi-magnifi
- Issuer: Federal Bank
- Networks: Visa
- Tier: entry
- Joining fee: Rs 0
- Annual fee: Rs 0
- Fee waiver: none recorded
- Base rewards: 0.5% in Cashback
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: cashback, lifetime-free, first-card
- Issuer evidence: verification pending

## HDFC Bank Swiggy Ornge

- URL: https://www.cardmasters.in/card/hdfc-swiggy-ornge
- Issuer: HDFC Bank
- Networks: Mastercard
- Tier: entry
- Joining fee: Rs 500 plus GST
- Annual fee: Rs 500 plus GST
- Fee waiver: Rs 1,50,000 eligible annual spend
- Base rewards: 1% in Cashback
- Accelerated: 5x on Swiggy (food/Instamart/Dineout)
- Accelerated: 5x on select online merchants
- Reward exclusions: fuel, rent, wallet-load, government, gaming, education, jewellery, emi, smartpay, smartbuy
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 20,000
- Best suited to: food-delivery, swiggy, cashback
- Issuer evidence: checked 2026-07-15 (source: 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)

## HDFC Bank Swiggy BLCK

- URL: https://www.cardmasters.in/card/hdfc-swiggy-blck
- Issuer: HDFC Bank
- Networks: Mastercard
- Tier: entry
- Joining fee: Rs 1,000 plus GST
- Annual fee: Rs 1,000 plus GST
- Fee waiver: Rs 2,00,000 eligible annual spend
- Base rewards: 1% in Cashback
- Accelerated: 10x on Swiggy (food/Instamart/Dineout)
- Accelerated: 5x on online merchants
- Reward exclusions: fuel, rent, wallet-load, government, gaming, education, jewellery, emi, smartpay, smartbuy
- Forex markup: 3.5%
- Domestic lounge: none
- International lounge: none
- Eligibility: published monthly income floor Rs 25,000
- Best suited to: food-delivery, swiggy, cashback
- Issuer evidence: checked 2026-07-15 (source: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdfs/Combined_TnCs_Ornge_and_BLCK.pdf)

## RBL Bank Nova

- URL: https://www.cardmasters.in/card/rbl-nova
- Issuer: RBL Bank
- Networks: Visa
- Tier: premium
- Joining fee: Rs 12,500
- Annual fee: Rs 12,500
- Fee waiver: none recorded
- Base rewards: 2% in Reward Points
- Accelerated: 3x on travel
- Reward exclusions: fuel, rent, wallet-load
- Forex markup: 2%
- Domestic lounge: 12 visits/year
- International lounge: 12 visits/year
- Eligibility: published monthly income floor Rs 1,50,000
- Best suited to: travel, premium, lounge
- Issuer evidence: verification pending

## IDFC FIRST Bank Gaj (Metal)

- URL: https://www.cardmasters.in/card/idfc-first-gaj
- Issuer: IDFC FIRST Bank
- Networks: Visa
- Tier: super-premium
- Joining fee: Rs 12,500
- Annual fee: Rs 12,500
- Fee waiver: none recorded
- Base rewards: 5 RP/₹150 on eligible spends
- Accelerated: 10x on hotels via IDFC FIRST app
- Accelerated: 5x on flights via IDFC FIRST app
- Reward exclusions: fuel, emi, fees, loan, balance-transfer, cash-withdrawal
- Forex markup: 0%
- Domestic lounge: 4 visits/quarter
- International lounge: 4 visits/quarter
- Eligibility: published monthly income floor Rs 2,00,000
- Best suited to: travel, premium, forex-free
- Issuer evidence: checked 2026-07-16 (source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/GAJ-CC-Rewards-Structure-TnC-22-12-25.pdf)