Compare products

Cashback credit cards

Compare cards that publish a cashback proposition and its limits or exclusions.

	Filter Annual / renewal fee No annual fee29Up to ₹50027₹501–₹1,50018₹1,501–₹5,00015Above ₹5,0002	Filter Fee waiver No waiver stated10Waiver above ₹1–₹3 lakh11Waiver above ₹3 lakh6Terms differ by source1	Filter Minimum income Up to ₹25,0008₹25,001–₹50,0007₹50,001–₹1 lakh1Above ₹1 lakh39	Filter Eligibility Salaried55Self-employed / business59NRI8Women9Youth / minor1 Matches any selected option	Filter APR / finance charge Up to 24%3124–36%15Above 36%28	Filter Forex markup Up to 2%152–3%48Above 3%38	Filter Rewards / cashback Cashback14Reward points95Shopping48Dining & food31Movies & entertainment22Travel & hotels27Airport lounge73Miles / travel credits7Fuel33UPI & digital payments8Welcome offer17Milestone benefit38Insurance cover34 Matches any selected option	Filter Offers Cashback13Reward points90Shopping43Dining & food29Movies & entertainment20Travel & hotels25Airport lounge73Miles / travel credits7Fuel34UPI & digital payments7Welcome offer17Milestone benefit38Insurance cover39 Matches any selected option	Filter Lounge access Cashback13Reward points90Shopping43Dining & food29Movies & entertainment20Travel & hotels26Airport lounge88Miles / travel credits7Fuel33UPI & digital payments7Welcome offer16Milestone benefit38Insurance cover34 Matches any selected option	Filter Network Visa63Mastercard30RuPay83American Express5 Matches any selected option
ASSAM RIFLES THE SENTINEL BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3%	5X Rewards (10 Reward Points for every ₹100) on Departmental Stores and Movie. 2 Reward Point for every ₹100 spent on any other categories.	5X Rewards (10 Reward Points for every ₹100) on Departmental Stores and Movie. 2 Reward Point for every ₹100 spent on any other categories. Complimentary Memberships & Perks: 12 Months Amazon Prime Membership on milestone spends \| 8 Domestic Airport Lounge Access per year	Two domestic lounge visits per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	RuPay
BOBCARD CASHBACKBank of Baroda	₹49 monthly or ₹499 annually	No fee reversal choose ₹49 monthly or ₹499 annual fee plan.	Salaried applicants: minimum net annual income ₹3 lakh self-employed applicants: minimum net annual income ₹3.6 lakh.	Indian resident age 25–55 years (the page notes lower and higher cut-offs may be considered at discretion) salaried or self-employed minimum net annual income ₹3 lakh salaried or ₹3.6 lakh self-employed.	3.75% per month	3.5% of the transaction amount	No reward points eligible cashback is posted automatically to the card statement each month.	Unlimited 1% Cashback on All Other Spends Earn 1% cashback* on every other spend - no reward points to track, no redemption hassle. Auto-Credited Every Month Your cashback is automatically credited to your card account statement every month - simple, transparent savings.	No airport lounge access benefit is listed in the current Cashback product proposition.	Mastercard
BOBCARD CORPORATEBank of Baroda	₹1,000	Annual fee waived on anniversary-year spends of ₹1,00,000	Value awaiting review	Indian resident age 21–60 corporate applicant must have an eligible Bank of Baroda relationship.	3.75% per month	3.5% of the transaction amount	CORPORATE reward points redeem for cashback at ₹0.25 per point.	50-days interest-free credit period to give efficient credit support to your new business endeavours. Also, earn 1 Reward Point* for every ₹100 spent. You can redeem all your accumulated reward points for cashback @1 reward point = ₹0.25 8 complimentary domestic airport lounge access annually (2 visits per quarter)	Two domestic lounge visits per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	Visa or RuPay.
BOBCARD EASYBank of Baroda	₹500	Annual fee reversed on preceding-year spends of ₹35,000.	Salaried non–Bank of Baroda customers: ₹3.6 lakh net annual self-employed non–Bank of Baroda customers: ₹4.8 lakh salaried Bank of Baroda customers: ₹3 lakh self-employed Bank of Baroda customers: ₹3.6 lakh.	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5X i.e. 5 Reward Points* for every Rs. 100 spent on Departmental stores & Movie spends.	5X i.e. 5 Reward Points* for every Rs. 100 spent on Departmental stores & Movie spends. 1% Fuel Surcharge Waiver* at all Fuel Stations across India. Limited Period Lifetime Free Card Offer	No airport lounge access benefit is listed for EASY on the current product page.	Mastercard, Visa or RuPay
BOBCARD EMPOWERBank of Baroda	₹500	Annual fee reversed on preceding-year spends of ₹50,000.	Bank of Baroda self-employed customers: ₹3.6 lakh net annual income non–Bank of Baroda self-employed customers: ₹4.8 lakh net annual income.	Indian resident self-employed or proprietor primary cardholder age 24–65.	3.75% per month	3.5% of the transaction amount	Earn 1 Reward Point* for every ₹100 spent on your card and redeem your reward points as Cashback with no maximum capping on reward points to earn. Spend ₹50,000 in a year for waiver of next year’s annual fee	Up to 50 Days Interest Free Credit Period to support your business credit needs. This card comes to you with your Business Name on it through a fourth-line embossing. Earn 1 Reward Point* for every ₹100 spent on your card and redeem your reward points as Cashback with no maximum capping on reward points to earn. Spend ₹50,000 in a year for waiver of next year’s annual fee	No airport lounge access benefit is listed for EMPOWER on the current product page.	Visa
BOBCARD ETERNABank of Baroda	₹2,499	Annual fee reversed on preceding-year spends of ₹2,50,000.	Salaried or self-employed with net annual income above ₹12 lakh age 25–55 years.	Indian resident salaried or self-employed net annual income above ₹12 lakh age 25–55.	From 15 July 2026, Eterna and Tiara finance charges are 3.75% per month (45% per annum), revised from 3.25% per month (39% per annum).	2%	5X Rewards i.e. 15 Reward Points* for every Rs. 100 spent on travel, dining, online & international transactions	5X Rewards i.e. 15 Reward Points* for every Rs. 100 spent on travel, dining, online & international transactions Buy 1 Get 1 Ticket Every month on District App\| Unlimited Airport Lounge Access \| Limited Period Lifetime Free Card Offer	Unlimited domestic lounge visits for Eterna, Eterna (), Tiara and Varunah Premium from 15 July 2026, ₹75,000 must be spent in the preceding calendar quarter. For 2026, ₹40,000–₹74,999 in does not qualify for visits from 15 July to 30 September spending above ₹75,000 qualifies.	Mastercard, Visa or RuPay
BOBCARD Etihad Guest Credit CardBank of Baroda	₹2,500 +	Annual fee waived on anniversary-year spends of ₹3,00,000	Minimum annual income of ₹6 lakh for the Base Variant.	Indian resident primary age 21–65 income proof issuer approval.	45% per annum	1%	3 Etihad Guest Miles per ₹100 on Etihad Airways 1 Mile per ₹100 on other domestic and cross-border spends.	Airport Lounge Access: 8 domestic + 4 international complimentary lounge visits per year. Milestone Bonuses: Get additional bonus miles on monthly, quarterly & annual spends. Low Forex Mark-up: 1% forex mark-up on overseas transactions, making international travel spends more cost-effective. Bonus 7500 Welcome Miles Offer - Valid till 31st August, 2026	8 domestic and 4 international airport lounge visits.	Mastercard (Visa variant announced as forthcoming)
BOBCARD Etihad Guest Premium Credit CardBank of Baroda	₹5,000 +	Annual fee waived on anniversary-year spends of ₹5,00,000	Minimum annual income of ₹12 lakh for the Premium Variant.	Indian resident primary age 21–65 income proof issuer approval.	45% per annum	0% ↓	6 Etihad Guest Miles per ₹100 on Etihad Airways 2 Miles per ₹100 on other domestic and cross-border spends.	Complimentary Airport Lounge Access: 12 domestic + 8 international lounge visits per year. Milestone Bonuses: Get additional miles on monthly, quarterly & annual spends. Zero Forex Mark-up: No forex mark-up on overseas transactions, ideal for international travel. Bonus 15000 Welcome Miles Offer - Valid till 31st August, 2026	12 domestic and 8 international airport lounge visits.	Mastercard (Visa variant scheduled to be introduced)
BOBCARD Micro EnterpriseBank of Baroda	₹500	Annual fee waived on anniversary-year spends of ₹50,000	Value awaiting review	Micro-enterprise applicant under the Micro Enterprise programme income and business documents follow the issuer's application review.	1.5% per month ↓	3.5% of the transaction amount	1 Reward Point per ₹100 on eligible spends	1 Reward Point per ₹100 on eligible spends 1% fuel-surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹250 per statement cycle Up to 50 days interest-free credit ₹500 annual fee waived on ₹50,000 annual spends Finance charge of 1.5% per month or 18% per annum	No airport-lounge access benefit is listed for Micro Enterprise in the current catalogue. Its published benefit labels are rewards, interest-free credit and annual-fee waiver.	Visa.
BOBCARD OneBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	45% per annum	1%	1 Reward Point per ₹50 on regular purchases 5X points on the top two monthly categories when at least three categories each reach ₹750 spend.	Metal card Lifetime free with no joining or annual fee 1% forex markup Up to 50 days interest-free credit Instant rewards redemption in the OneCard app	No airport lounge access benefit is listed for One on the current product page.	Visa or RuPay
BOBCARD PRAGATIBank of Baroda	₹250	Annual fee waived on anniversary-year spends of ₹25,000	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5 Reward Points per ₹100 on departmental-store and movie spends 500 welcome Reward Points on ₹5,000 spend within 60 days	5 Reward Points per ₹100 on departmental-store and movie spends 500 welcome Reward Points on ₹5,000 spend within 60 days 1% fuel-surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle ₹250 annual fee waived on ₹25,000 annual spends Smart for purchases above ₹2,500 over 6 to 48 months	Value awaiting review	RuPay
BOBCARD PREMIERBank of Baroda	₹1,000	Annual fee reversed on preceding-year spends of ₹1,20,000.	Salaried or self-employed with net annual income above ₹7.2 lakh age 25–55 years.	Indian resident salaried or self-employed net annual income above ₹7.2 lakh age 25–55.	3.75% per month	3.5% of the transaction amount	5X Rewards i.e. 10 Reward Points* for every Rs. 100 spent on Travel, Dining, and International Spends.	5X Rewards i.e. 10 Reward Points* for every Rs. 100 spent on Travel, Dining, and International Spends. 1 Complimentary Airport Lounge Visit every calendar quarter. Limited Period Lifetime Free Card Offer	One domestic lounge visit per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	Visa or RuPay
BOBCARD PRIMEBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Guaranteed issuance is available against a fixed deposit of ₹30,000 or more without income proof the ordinary application route still requires the issuer's assessment.	Primary cardholder age 18–85 secured route available without income proof.	3.75% per month	3.5% of the transaction amount	2 Reward Points per ₹100 spent on all other eligible categories transactions qualify only for core Reward Points and bonus rewards do not apply.	Guaranteed issuance against of 15,000 or more without any income proof. Lifetime Free Card - No Joining & Annual Fees	No airport lounge access benefit is listed for PRIME on the current product page.	Value awaiting review
BOBCARD Scapia Credit CardBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident salaried or self-employed age 25–60.	45% per annum	0% ↓	20% rewards on travel bookings through the Scapia app 10% rewards on eligible Visa spends and 5% on eligible RuPay/ spends	20% rewards on travel bookings through the Scapia app 10% rewards on eligible Visa spends and 5% on eligible RuPay/ spends Unlimited domestic lounge access on qualifying ₹20,000 monthly spends Zero forex markup	Unlimited domestic lounge access after ₹20,000 monthly spend lounge benefit is capped at ₹1,000 per eligible visit under the card terms.	Visa or RuPay variant rewards and minimum transaction rules differ by network.
BOBCARD SELECTBank of Baroda	₹750	Annual fee reversed on preceding-year spends of ₹70,000.	Salaried or self-employed applicants: net annual income above ₹4.8 lakh.	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5X Rewards i.e. 5 Reward Points* for every Rs. 100 spent on Dining and Online spends	5X Rewards i.e. 5 Reward Points* for every Rs. 100 spent on Dining and Online spends 1% Fuel Surcharge Waiver* at all Fuel Stations across India. Limited Period Lifetime Free Card Offer	No airport lounge access benefit is listed for SELECT on the current product page.	Mastercard, Visa or RuPay
BOBCARD TIARABank of Baroda	₹2,499	Annual fee waived on anniversary-year spends of ₹2,50,000	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	From 15 July 2026, Eterna and Tiara finance charges are 3.75% per month (45% per annum), revised from 3.25% per month (39% per annum).	2%	5X Rewards i.e. 15 Reward Points for every ₹100 spent on Dining, Travel, and International spends. 3 Reward Points per ₹100 spent on other purchases.	5X Rewards i.e. 15 Reward Points for every ₹100 spent on Dining, Travel, and International spends. 3 Reward Points per ₹100 spent on other purchases. Complimentary Memberships & Perks worth up to ₹31K / year: Women's Health Package including Pap Smear & Blood Tests and Mammography package \| Shopping & Membership vouchers from Nykaa, Myntra, Flipkart, Amazon Prime, Gaana Plus, Big Basket, Swiggy One \| Unlimited Domestic Airport Lounge Access	Unlimited domestic lounge visits for Eterna, Eterna (), Tiara and Varunah Premium from 15 July 2026, ₹75,000 must be spent in the preceding calendar quarter. For 2026, ₹40,000–₹74,999 in does not qualify for visits from 15 July to 30 September spending above ₹75,000 qualifies.	RuPay
BOBCARD Uni GoldX Credit CardBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	45% per annum	0% ↓	1% value back in Uni Coins on eligible transactions 5% value back on eligible Uni Store voucher purchases	1% value back in Uni Coins on eligible transactions 5% value back on eligible Uni Store voucher purchases Zero joining fee and annual fee Zero forex markup 1% fuel-surcharge waiver up to ₹500 on transactions up to ₹7,500	Value awaiting review	Mastercard, Visa or RuPay, depending on the card association.
BOBCARD VIKRAMBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3%	5 Reward Points per ₹100 on movies and departmental stores 1 Reward Point per ₹100 on other categories 500 welcome points after ₹5,000 spend within 60 days.	5X Rewards i.e. 5 Reward Points for every ₹ 100 spent on Movies & Departmental stores Complimentary 3 Months Disney Hotstar subscription on card activation.	Value awaiting review	RuPay
CMA One BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	members: salaried customers need ₹3 lakh net annual income or above self-employed customers need ₹3 lakh annual or above.	Indian resident active member age 21–75 ₹3 lakh annual income/.	3.75% per month	2%	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 4000 Reward Points every quarter on Milestone spends	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 12 Complimentary Domestic Airport Lounge Access per year \| 4000 Reward Points every quarter on Milestone spends \| Professional Indemnity Insurance Cover of ₹5 Lakh	Three domestic lounge visits per quarter minimum net spends of ₹40,000 in the preceding calendar quarter are required.	RuPay
HPCL ENERGIE BOBCARDBank of Baroda	₹499	Annual fee reversed on preceding-year spends of ₹50,000.	Salaried non–Bank of Baroda customers: ₹3.6 lakh net annual self-employed non–Bank of Baroda customers: ₹4.8 lakh salaried Bank of Baroda customers: ₹3 lakh self-employed Bank of Baroda customers: ₹3.6 lakh.	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver) for fuel & purchases at retail outlets & through Pay App	Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waiver) for fuel & purchases at retail outlets & through Pay App 500 joining bonus reward points on spend of ₹5000 or more within 60 days of card issuance	One domestic lounge visit per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	RuPay
ICAI EXCLUSIVE BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	members: salaried customers need ₹3 lakh net annual income or above self-employed customers need ₹3 lakh annual or above.	Indian resident active member age 21–75 ₹3 lakh annual income/.	3.75% per month	2%	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 4000 Reward Points every quarter on Milestone spends	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 12 Complimentary Domestic Airport Lounge Access per year \| 4000 Reward Points every quarter on Milestone spends \| Professional Indemnity Insurance Cover of ₹5 Lakh	Three domestic lounge visits per quarter minimum net spends of ₹40,000 in the preceding calendar quarter are required.	RuPay
ICSI DIAMOND BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Salaried members: ₹3 lakh net annual income or above self-employed members: ₹3 lakh annual or above.	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	2%	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 4000 Reward Points every quarter on Milestone spends	5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation 12 Complimentary Domestic Airport Lounge Access per year \| 4000 Reward Points every quarter on Milestone spends \| Professional Indemnity Insurance Cover of ₹5 Lakh	Three domestic lounge visits per quarter minimum net spends of ₹40,000 in the preceding calendar quarter are required.	RuPay
INDIAN ARMY YODDHA BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3%	5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Points for every ₹100 spent on any other categories.	5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Points for every ₹100 spent on any other categories. Complimentary Memberships & Perks: 12 Months Amazon Prime Membership on milestone spends \| 8 Domestic Airport Lounge Access per year	Two domestic lounge visits per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	RuPay
Indian Coast Guard Rakshamah BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3%	5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Point for every ₹100 spent on any other categories.	5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Point for every ₹100 spent on any other categories. Complimentary Memberships & Perks: 12 Months Amazon Prime Membership on milestone spends \| 8 Domestic Airport Lounge Access per year	Two domestic lounge visits per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	RuPay
Indian Navy Varunah BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5X i.e.15 Rewards Points for every Rs.100 spent on Travel, Dining, Online & International Spends. 3 Reward Point for every ₹100 spent on any other categories.	5X i.e.15 Rewards Points for every Rs.100 spent on Travel, Dining, Online & International Spends. 3 Reward Point for every ₹100 spent on any other categories. Complimentary Memberships & Perks: 12 Months Amazon Prime Membership \| Umlimited Domestic Airport Lounge Access with Varunah Premium	Umlimited Domestic Airport Lounge Access with Varunah Premium	RuPay
Indian Navy VARUNAH Plus BOBCARDBank of Baroda	₹1,499	Annual fee reversed on preceding-year spends of ₹1,50,000.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	2.5%	500 activation Reward Points after ₹5,000 spend within 60 days 2 Reward Points per ₹100 on base eligible spends	500 activation Reward Points after ₹5,000 spend within 60 days 2 Reward Points per ₹100 on base eligible spends 1% fuel-surcharge waiver on ₹400–₹5,000 transactions capped at ₹250 per statement cycle up to 3 lifetime-free add-on cards air accidental death cover of ₹50 lakh and non-air cover of ₹10 lakh	Three domestic lounge visits per quarter minimum net spends of ₹20,000 in the preceding calendar quarter are required.	RuPay
Indian Navy VARUNAH Premium BOBCARDBank of Baroda	₹2,499	Annual fee reversed on preceding-year spends of ₹1,50,000.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	2%	15 Reward Points per ₹100 on travel, dining, online and international spends 3 Reward Points per ₹100 on other eligible categories	15 Reward Points per ₹100 on travel, dining, online and international spends 3 Reward Points per ₹100 on other eligible categories unlimited domestic airport lounge access subject to ₹75,000 spend in the preceding calendar quarter from 15 July 2026	Unlimited domestic lounge visits for Eterna, Eterna (), Tiara and Varunah Premium from 15 July 2026, ₹75,000 must be spent in the preceding calendar quarter. For 2026, ₹40,000–₹74,999 in does not qualify for visits from 15 July to 30 September spending above ₹75,000 qualifies.	RuPay
Instant RuPay BOBCARDBank of Baroda	Nil ↓	No annual fee fee waiver is not applicable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5X Rewards on Popular Spend Categories	0 Joining & Annual Fees \| 5X Rewards on Popular Spend Categories \| Complimentary Airport Lounge Access Smart Options upto 48 months \| Exclusive RuPay Shopping Offers \| 'Card-less' Payments with bob इPay	Complimentary Airport Lounge Access	RuPay
IRCTC BOBCARDBank of Baroda	₹350	fee-waiver criterion: NIL the card's published annual fee remains payable.	Salaried non–Bank of Baroda customers: ₹3.6 lakh net annual self-employed non–Bank of Baroda customers: ₹4.8 lakh salaried Bank of Baroda customers: ₹3 lakh self-employed Bank of Baroda customers: ₹3.6 lakh.	Indian resident salaried primary cardholder aged 21–60 or self-employed primary cardholder aged 24–65 add-on cardholder above 18 income thresholds apply by Bank of Baroda relationship.	3.75% per month	3.5% of the transaction amount	Up to 40 reward points* per ₹100 spent on train ticket bookings through the Website & Mobile App** 4 reward points per ₹100 spent on departmental store purchases. 2 reward points per ₹100 spent on other categories	Up to 40 reward points* per ₹100 spent on train ticket bookings through the Website & Mobile App** 4 reward points per ₹100 spent on departmental store purchases. 2 reward points per ₹100 spent on other categories	Four complimentary railway-lounge accesses per year, limited to one per quarter this is railway-station lounge access, not airport lounge access.	RuPay
Nainital RENAISSANCE BOBCARDBank of Baroda	₹250	Annual fee waived on anniversary-year spends of ₹25,000	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5 reward points for every ₹100 spent on Departmental Stores & Movies. 1 reward point for every ₹100 spent on others	5 reward points for every ₹100 spent on Departmental Stores & Movies. 1 reward point for every ₹100 spent on others No Joining Fee. Annual fee reversal on spending ₹25,000 every anniversary year	Value awaiting review	RuPay
SNAPDEAL BOBCARDBank of Baroda	₹249	fee-waiver criterion: NIL the card's published annual fee remains payable.	Value awaiting review	Indian resident primary age 21–65 income proof issuer approval.	3.75% per month	3.5% of the transaction amount	5% Unlimited Cashback for your purchases on Snapdeal website & app only	5% Unlimited Cashback for your purchases on Snapdeal website & app only 10 Reward Points for every ₹100 spent on Online Shopping, Departmental Stores and 4 Reward Points for every ₹100 spent on other categories	Value awaiting review	RuPay
BOI Celestia Credit CardBank of India	₹11,999 for the principal card ₹11,999 for an add-on card. Applicable is extra.	Joining fee of ₹11,999 is waived when ₹2.5 lakh is spent within 90 days of issuance of ₹11,999 is waived for yearly spends of ₹8 lakh or more.	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	5X loyalty reward points on eligible and e-commerce dining, airline-booking and fuel transactions, excluding restricted categories.	2+1 complimentary nights at select ITC hotels, 1+1 dining and 1+1 spa for resident customers Hotel Luxe Elite Plus membership personal-accident cover ₹50 lakh, air-accident cover ₹1 crore, purchase protection ₹2 lakh and travel baggage-loss cover ₹20,000.	Value awaiting review	Ekaa International (contactless Celestia card).
BOI RuPay Bharat Credit CardBank of India	₹400 for the principal card and ₹300 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	The reviewed RuPay Bharat page publishes partner vouchers and lounge benefits but no separate points multiplier reward-point earning is governed by BOI Star Rewards terms.	Three-month Swiggy One membership per year, ₹250 Flipkart voucher per quarter and RuPay portal offers are published.	Four complimentary domestic lounge visits per year and two international lounge visits per year, subject to RuPay programme changes.	RuPay.
BOI RuPay Platinum Credit CardBank of India	₹0 for the principal card ₹200 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	Value awaiting review	Value awaiting review	RuPay.
BOI RuPay Select Credit CardBank of India	₹800 for the principal card and ₹600 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	Amazon Prime annual membership three-month Swiggy One membership per annum ₹200 BigBasket voucher each month ₹250 off at BookMyShow on a minimum two-ticket purchase each month annual health check concierge and RuPay portal offers.	Two complimentary domestic lounge visits per quarter and two international lounge visits per calendar year, subject to RuPay programme changes.	RuPay.
BOI RuPay Star Lakshmi Credit CardBank of India	₹500 for the principal card and ₹500 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	Sony LIV, Amazon Prime or Hotstar annual subscription annual health check O2 Spa up to ₹2,000 once per quarter Lakme ₹1,500, Myntra/Flipkart ₹250 and Nykaa ₹500 vouchers once per quarter RuPay portal offers.	Two complimentary domestic lounge visits per quarter and two international lounge visits per year, subject to RuPay programme changes.	RuPay.
BOI RuPay Swadhan Platinum Credit CardBank of India	₹0 for both principal and add-on cards (before ). ↓	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	Value awaiting review	Value awaiting review	RuPay.
BOI Visa Gold International Credit CardBank of India	₹300 for the principal card ₹300 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	The reviewed Visa Gold page publishes Worldline- and 2X rewards but no separate voucher, subscription or partner-offer schedule.	Value awaiting review	Visa.
BOI Visa Platinum International Credit CardBank of India	₹500 for the principal card ₹300 for an add-on card (before ).	Value awaiting review	Value awaiting review	Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.	The current states 2.00% per month (24% p.a.) on unsecured credit default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .	3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals applicable taxes are extra where charged.	2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.	The page publishes a ₹250 Amazon or Zomato activation voucher, merchant discounts up to 20%, Visa offers and concierge/dining benefits.	Value awaiting review	Visa.
Bank of Maharashtra Secured Credit CardBank of Maharashtra	Value awaiting review	Not applicable: the card is published as lifetime free, so no spend-based waiver threshold is listed.	No income proof required the published eligibility is -backed rather than salary-based.	Minimum age 18. Applicant must maintain a freehold Bank of Maharashtra fixed deposit of at least ₹12,500. The page says upper-age relaxation is available and no income proof is required.	Value awaiting review	Value awaiting review	One reward point for every ₹100 spent, or multiple thereof points can be converted into e-vouchers or merchandise.	Up to ₹200 per month.	Domestic airport lounge access at select 30+ lounges, twice per quarter.	Value awaiting review
Mastercard Gold Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹150 card-inactivity fee applies when annual card turnover is below ₹25,000.	Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for the unsecured Gold variants 24% per annum (2.0% per month) for secured Gold variants.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Mastercard
Mastercard Platinum Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹200 card-inactivity fee applies when annual card turnover is below ₹50,000.	Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for unsecured Platinum cards 24% per annum (2.0% per month) for the secured Platinum variant.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	RuPay: 2 per quarter (self) Mastercard: 2 self + 1 guest per quarter Visa: 2 per quarter (self)	Mastercard
Mastercard Secured Gold Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹150 card-inactivity fee applies when annual card turnover is below ₹25,000.	Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for the unsecured Gold variants 24% per annum (2.0% per month) for secured Gold variants.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Mastercard
Mastercard Standard Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹100 card-inactivity fee applies when annual card turnover is below ₹12,000.	Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits. ↓	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum for unsecured Classic/Standard cards (2.5% per month).	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Mastercard
Mastercard World Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹300 inactivity fee applies when annual card turnover is below ₹1,00,000 for RuPay Select, RuPay Select Secured and Mastercard World.	Independent income of at least ₹10 lakh gross per annum for Select/World variants. The policy permits relaxation for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for Mastercard World and unsecured Select 24% per annum (2.0% per month) for RuPay Select Secured.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Domestic — RuPay: 2 per quarter (self) Mastercard: 3 self + 2 guests per quarter Visa: 3 per quarter (self). International — RuPay: 2 per year (self) Mastercard: 2 self + 2 guests per year	Mastercard
Canara Micro Credit CardCanara Bank	After the initial fee waiver, annual fee is at most 1% of card limit or ₹1,000, whichever is lower.	No joining fee for the initial 10 lakh customers/cards across financial institutions up to ₹500 RuPay joining fee reimbursement is described.	Value awaiting review	Valid Udyam micro enterprise (investment up to ₹2.5 crore and turnover up to ₹10 crore), promoter scores above 650 (or -1/0 for no history), age 18–75, 1–6 where applicable, Moderate Risk or better and no /wilful default/OTS/write-off. Existing WC limit must not be expired.	after the free credit period must not exceed 18% where credit guarantee is available.	Value awaiting review	Cashback points on regular spends are listed as benefits, with details subject to bank policy.	Fuel-surcharge waiver and discounts at selected merchants/categories are offered as per bank-approved policy.	Value awaiting review	RuPay credit card with payments enabled.
RuPay Classic Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹100 card-inactivity fee applies when annual card turnover is below ₹12,000.	Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits. ↓	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum for unsecured Classic/Standard cards (2.5% per month).	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	RuPay
RuPay Platinum Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹200 card-inactivity fee applies when annual card turnover is below ₹50,000.	Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for unsecured Platinum cards 24% per annum (2.0% per month) for the secured Platinum variant.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	RuPay: 2 per quarter (self) Mastercard: 2 self + 1 guest per quarter Visa: 2 per quarter (self)	RuPay
RuPay Platinum Secured Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹200 card-inactivity fee applies when annual card turnover is below ₹50,000.	Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for unsecured Platinum cards 24% per annum (2.0% per month) for the secured Platinum variant.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	RuPay: 2 per quarter (self) Mastercard: 2 self + 1 guest per quarter Visa: 2 per quarter (self)	RuPay
RuPay Select Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹300 inactivity fee applies when annual card turnover is below ₹1,00,000 for RuPay Select, RuPay Select Secured and Mastercard World.	Independent income of at least ₹10 lakh gross per annum for Select/World variants. The policy permits relaxation for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for Mastercard World and unsecured Select 24% per annum (2.0% per month) for RuPay Select Secured.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Domestic — RuPay: 2 per quarter (self) Mastercard: 3 self + 2 guests per quarter Visa: 3 per quarter (self). International — RuPay: 2 per year (self) Mastercard: 2 self + 2 guests per year	RuPay
RuPay Select Secured Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹300 inactivity fee applies when annual card turnover is below ₹1,00,000 for RuPay Select, RuPay Select Secured and Mastercard World.	Independent income of at least ₹10 lakh gross per annum for Select/World variants. The policy permits relaxation for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for Mastercard World and unsecured Select 24% per annum (2.0% per month) for RuPay Select Secured.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Domestic — RuPay: 2 per quarter (self) Mastercard: 3 self + 2 guests per quarter Visa: 3 per quarter (self). International — RuPay: 2 per year (self) Mastercard: 2 self + 2 guests per year	RuPay
Visa Classic Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹100 card-inactivity fee applies when annual card turnover is below ₹12,000.	Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits. ↓	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum for unsecured Classic/Standard cards (2.5% per month).	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Visa
Visa Corporate Credit CardCanara Bank	₹250 enrolment for primary ₹400 annual fee per add-on	Visa Signature: ₹1,000 inactivity fee when annual turnover is below ₹2,00,000. Visa Corporate: inactivity fee is Nil its ₹400 annual fee applies to add-on cards.	Visa Signature requires independent income of at least ₹10 lakh gross per annum. Visa Corporate requires the customer to be a Canara Bank customer and the firm to have at least ₹10 crore annual turnover below ₹10 crore, a lien-backed fixed-deposit card may be sanctioned.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for Visa Signature and Visa Corporate revolving credit.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Visa
Visa Gold Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹150 card-inactivity fee applies when annual card turnover is below ₹25,000.	Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for the unsecured Gold variants 24% per annum (2.0% per month) for secured Gold variants.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Visa
Visa Platinum Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹200 card-inactivity fee applies when annual card turnover is below ₹50,000.	Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for unsecured Platinum cards 24% per annum (2.0% per month) for the secured Platinum variant.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	RuPay: 2 per quarter (self) Mastercard: 2 self + 1 guest per quarter Visa: 2 per quarter (self)	Visa
Visa Secured Gold Credit CardCanara Bank	Nil ↓	Annual fee is Nil. A ₹150 card-inactivity fee applies when annual card turnover is below ₹25,000.	Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.	Income proof is required the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.	30% per annum (2.5% per month) for the unsecured Gold variants 24% per annum (2.0% per month) for secured Gold variants.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Value awaiting review	Visa
Visa Signature Credit CardCanara Bank	Nil ↓	Visa Signature: ₹1,000 inactivity fee when annual turnover is below ₹2,00,000. Visa Corporate: inactivity fee is Nil its ₹400 annual fee applies to add-on cards.	Visa Signature requires independent income of at least ₹10 lakh gross per annum. Visa Corporate requires the customer to be a Canara Bank customer and the firm to have at least ₹10 crore annual turnover below ₹10 crore, a lien-backed fixed-deposit card may be sanctioned.	Independent income with a minimum of ₹10 lakh gross per annum for individuals.	30% per annum (2.5% per month) for Visa Signature and Visa Corporate revolving credit.	Up to 3% of transaction amount	2 reward points for every ₹100 spent on /e-commerce fractions of ₹100 excluded	Seasonal offers are available on Canara Cards applicable offers and exclusions are controlled by the linked offer terms.	Domestic — RuPay: 2 per quarter (self) Mastercard: 3 self + 2 guests per quarter Visa: 3 per quarter (self). International — RuPay: 2 per year (self) Mastercard: 2 self + 2 guests per year	Visa
Indian Bank One Co-Branded Credit CardIndian Bank	Lifetime free: no joining or annual fees.	No waiver condition required because the page states no joining or annual fees.	Value awaiting review	Applicants are assessed by Indian Bank and One Consumer Services the reviewed page does not publish numeric age, income or credit-limit criteria.	Value awaiting review	Value awaiting review	Rewards are earned on all spends, do not expire and can be redeemed in the OneCard app points conversion is not published on the reviewed page.	Location-based offers surfaced through the OneCard app merchant categories and values are dynamic.	Value awaiting review	Value awaiting review
Indian Bank RuPay Classic Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	23.88% per annum for purchases (1.99% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	No reward-points programme.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	No lounge access programme.	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank RuPay Platinum Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	19.92% per annum for purchases (1.66% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	1 reward point valued at ₹1 for every ₹100 spent.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	Complimentary lounge access is published for RuPay Platinum and RuPay Select the visit quota is not stated.	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank RuPay Select Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	19.92% per annum for purchases (1.66% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	1 reward point valued at ₹1 for every ₹100 spent.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	Complimentary lounge access is published for RuPay Platinum and RuPay Select the visit quota is not stated.	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank Secured Credit Card (Visa / RuPay)Indian Bank	Value awaiting review	Value awaiting review	Value awaiting review	Indian Bank term-deposit holder who marks lien on the deposit card limit is ₹25,000 minimum or 90% of deposit face value, or a lesser limit requested by the customer.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Visa or RuPay exact variant is set according to the secured card limit and issuer approval.
Indian Bank Visa Bharat Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	21.48% per annum for purchases (1.79% per month) cash withdrawals are 1.99% per month / 23.88% annualised.	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	No reward-points programme.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	Not included in the published Visa Bharat feature sheet.	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank Visa Business Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	23.88% per annum for purchases (1.99% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	1 reward point valued at ₹1 for every ₹200 spent.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	Value awaiting review	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank Visa Gold Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	23.88% per annum for purchases (1.99% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	1 reward point valued at ₹1 for every ₹100 spent.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	Value awaiting review	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Indian Bank Visa Platinum Credit CardIndian Bank	Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.	Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business joining fee is nil.	Value awaiting review	Indian Bank card applicants are subject to issuer assessment Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.	19.92% per annum for purchases (1.66% per month) cash withdrawals are 27.00% annualised (2.25% per month).	3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards not applicable to Visa Bharat and RuPay Classic in the schedule.	1 reward point valued at ₹1 for every ₹100 spent.	Visa and RuPay network offers are linked from the official page offer catalogue and eligibility can change by network and merchant.	The reviewed Indian Bank catalogue lists lifestyle privileges but does not publish a numerical lounge quota for Visa Platinum.	Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
PNB BLISS Credit CardPunjab National Bank	₹510 per year waived when annual spends reach ₹1 lakh in the preceding year.	Annual fee waived at annual spends of ₹1 lakh in the preceding year joining fee is not published on the reviewed page.	Minimum gross annual income ₹3.60 lakh.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Nykaa ₹500 voucher quarterly Ola/Uber ₹100 voucher quarterly BookMyShow ₹250 off quarterly on minimum two-ticket purchase annual spa, health-check-up, Swiggy One, Gaana Plus and one membership.	Value awaiting review	RuPay Platinum variant.
PNB EaseMyTrip RuPay Platinum Credit CardPunjab National Bank	₹2,000 per year waived when annual spends exceed ₹1 lakh in the preceding year.	₹2,000 joining fee and ₹2,000 annual fee annual fee waived above ₹1 lakh preceding-year spends.	Value awaiting review	Value awaiting review	35.89% per annum on regular revolving credit -backed cards 19.56% per annum.	Value awaiting review	300+ reward points on activation ongoing earning rate is not published on the page.	₹3,000 welcome voucher value 10% off domestic flights up to ₹1,000 and international flights up to ₹5,000, with no minimum order value.	Complimentary domestic and international airport lounge access quota not published.	RuPay Platinum
PNB Kiwi RuPay Select Co-branded Credit CardPunjab National Bank	₹750 per year for virtual and physical cards waived at ₹1.50 lakh previous-year spends.	Virtual joining nil physical joining ₹500 annual ₹750, waived at ₹1.50 lakh previous-year spends.	Gross annual income ₹2.50 lakh and above.	Applicant with gross annual income ₹2.50 lakh or more RuPay Select and issuer assessment apply.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Value awaiting review	0.5% online and 1.5% scan-and-pay cashback as Kiwis monthly cap 1% of credit limit.	Dynamic monthly merchant offers of 5–15% exclusions apply to listed categories.	Value awaiting review	RuPay Select
PNB Metal Credit Card LUXURA RuPay EkaaPunjab National Bank	₹7,500 plus per year waiver conditions are governed by the current LUXURA terms.	Joining fee ₹9,000 plus current terms state reimbursement when spends exceed ₹2.5 lakh within three billing cycles. Annual-fee waiver threshold is not stated on the reviewed product page.	Salaried gross monthly income ₹1.50 lakh non-salaried annual income ₹18 lakh route minimum ₹1.50 lakh.	Literate applicants aged 21–70 salaried, non-salaried and -backed routes are published limit ₹1 lakh–₹50 lakh under PNB risk model.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Nil.	4 reward points (worth ₹1) per ₹100 spent 20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.	3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.	Unlimited complimentary domestic and international lounge access.	RuPay Ekaa.
PNB Metal Credit Card LUXURA Visa InfinitePunjab National Bank	₹1,999 plus per year waiver conditions are governed by the current LUXURA terms.	Joining fee ₹4,999 plus current terms state reimbursement when spends exceed ₹1.5 lakh within three billing cycles. Annual-fee waiver threshold is not stated on the reviewed product page.	Salaried gross monthly income ₹1.50 lakh non-salaried annual income ₹18 lakh route minimum ₹1.50 lakh.	Literate applicants aged 21–70 salaried, non-salaried and -backed routes are published limit ₹1 lakh–₹50 lakh under PNB risk model.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Nil.	4 reward points (worth ₹1) per ₹100 spent 20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.	3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.	Unlimited complimentary domestic and international lounge access.	Visa Infinite.
PNB Patanjali RuPay Platinum Credit CardPunjab National Bank	Nil when used once in each quarter in the preceding year.	Nil joining and annual fee when used once in each quarter.	Value awaiting review	Eligible Patanjali co-brand/customer segment PNB credit assessment applies.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Value awaiting review	2% at Patanjali stores above ₹2,500 capped at ₹50 per transaction 5–7% recharge cashback.	2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction 5–7% recharge cashback 300+ merchant offers.	Value awaiting review	RuPay Platinum
PNB Patanjali RuPay Select Credit CardPunjab National Bank	₹750 per year waived when used once in each quarter in the preceding year.	₹500 joining fee ₹750 annual fee, waived with one use in each quarter.	General minimum income is not published on the product page PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.	Eligible Patanjali co-brand/customer segment employee route may be considered from ₹10,000 net monthly income PNB credit assessment applies.	35.89% per annum on regular revolving credit -backed cards 19.56% per annum.	Value awaiting review	2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction 5–7% recharge cashback.	2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card 300+ merchant offers.	Complimentary domestic and international lounge programme quota not published.	RuPay Select
PNB Rakshak RuPay Platinum Credit CardPunjab National Bank	₹500 per year waived when the card is used at least once in each quarter of the preceding year.	Nil joining fee under PQCC ₹500 annual fee is waived after at least one card use in each quarter of the preceding year.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	1 reward point for every ₹100 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Domestic and international lounge access is listed visit quota and spend conditions are not stated on the PQCC page.	RuPay Platinum the Rakshak variant is issued as RuPay Platinum Rakshak.
PNB Rakshak RuPay Select Credit CardPunjab National Bank	₹750 per year waived when the card is used at least once in each quarter of the preceding year.	Nil joining fee under PQCC ₹750 annual fee is waived after at least one card use in each quarter of the preceding year.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	2 reward points for every ₹150 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Domestic and international lounge access is listed visit quota and spend conditions are not stated on the PQCC page.	RuPay Select the Rakshak variant is issued as RuPay Select Rakshak.
PNB RuPay Millennial Credit CardPunjab National Bank	₹999 per year waived when annual card spends reach ₹1 lakh in the previous financial year.	Annual fee waived at ₹1 lakh previous-financial-year spends joining fee ₹399 and add-on joining fee ₹399.	Minimum gross annual income ₹5 lakh.	Value awaiting review	Value awaiting review	Value awaiting review	2 reward points per ₹150 spent 300+ reward points on activation/first qualifying use. Rewardz supports vouchers, merchandise, movie tickets, hotel bookings, recharges and cashback redemption.	Merchant offers plus complimentary health check-up, golf, spa and gym sessions individual offer values are not published on the reviewed page.	Domestic and international lounge access programme visit quota/spend conditions are not published.	RuPay Millennial.
PNB RuPay Platinum Credit CardPunjab National Bank	₹500 per year waived when the card is used at least once in each quarter of the preceding year.	Nil joining fee under PQCC ₹500 annual fee is waived after at least one card use in each quarter of the preceding year.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	1 reward point for every ₹100 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Domestic and international lounge access is listed visit quota and spend conditions are not stated on the PQCC page.	RuPay Platinum the Rakshak variant is issued as RuPay Platinum Rakshak.
PNB RuPay Select Credit CardPunjab National Bank	₹750 per year waived when the card is used at least once in each quarter of the preceding year.	Nil joining fee under PQCC ₹750 annual fee is waived after at least one card use in each quarter of the preceding year.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	2 reward points for every ₹150 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Domestic and international lounge access is listed visit quota and spend conditions are not stated on the PQCC page.	RuPay Select the Rakshak variant is issued as RuPay Select Rakshak.
PNB Salary RuPay Platinum Credit CardPunjab National Bank	Nil while maintaining salary account under the specific scheme.	Nil joining and annual fee lifetime free while the eligible salary account is maintained.	Gross monthly income above ₹25,000.	PNB Excel salary-account holder with gross monthly income above ₹25,000 age and credit checks apply.	35.89% per annum on regular revolving credit -backed cards 19.56% per annum.	Value awaiting review	1 reward point per ₹100 spent.	Myntra ₹250, Ola/Uber ₹100, Netmeds 20% off on ₹999 minimum order, spa, health-check-up and benefits.	4 complimentary domestic visits (1 per quarter) and 1 international visit per year.	RuPay Platinum
PNB Salary RuPay Select Credit CardPunjab National Bank	Nil while maintaining salary account under the specific scheme.	Nil joining and annual fee lifetime free while the eligible salary account is maintained.	Gross monthly income above ₹75,000.	PNB Optima or Imperial salary-account holder with gross monthly income above ₹75,000 age and credit checks apply.	35.89% per annum on regular revolving credit -backed cards 19.56% per annum.	Value awaiting review	2 reward points per ₹150 spent.	Myntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, , Netmeds 20% off on ₹999 minimum order and wellness benefits.	8 complimentary domestic visits (2 per quarter) and 2 international visits per year.	RuPay Select
PNB Visa Classic Credit CardPunjab National Bank	Nil annual fee.	Nil joining fee and nil annual fee under PQCC.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	1 reward point for every ₹100 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Value awaiting review	Visa Classic.
PNB Visa Gold Credit CardPunjab National Bank	₹300 per year.	Nil joining fee ₹300 annual fee.	Minimum gross annual income ₹3.50 lakh.	Salaried/self-employed applicant with minimum gross annual income ₹3.50 lakh issuer approval applies.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Value awaiting review	1 reward point per ₹100 spent.	Fuel-surcharge waiver and merchant offers offer values are not published.	Value awaiting review	Visa Gold
PNB Visa Platinum Credit CardPunjab National Bank	₹500 per year. The annual charge is waived if preceding-year usage exceeds the card limit, there is at least one retail transaction in every calendar quarter, and the account has never been irregular.	Nil joining fee under PQCC ₹500 annual charge is waived only when all three published usage, quarterly-retail and account-regularity conditions are met.	PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.	PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.	Value awaiting review	Value awaiting review	2 reward points for every ₹150 spent.	No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website variant availability is pre-qualified and cannot be changed in the journey.	Value awaiting review	Visa Platinum.
PNB Visa Signature Credit CardPunjab National Bank	₹2,000 per year waived when annual spends reach ₹3 lakh in the previous financial year.	₹1,500 joining fee ₹2,000 annual fee waived at ₹3 lakh previous-year spends.	Minimum gross annual income ₹7.50 lakh.	Literate applicants primary age 21–65, add-on age 18 minimum gross annual income ₹7.50 lakh elite/super-premium target segment.	35.89% per annum on revolving credit -backed cards 19.56% per annum.	Value awaiting review	2 reward points per ₹100 spent.	50% off BookMyShow movie tickets plus food-combo discount each month insurance and concierge benefits.	Complimentary domestic lounge access quota and spend condition are not published on the reviewed page.	Visa Signature.
PNB Wave & Pay Credit CardPunjab National Bank	₹500 per year under the Visa Platinum schedule waiver conditions are not stated on the Wave & Pay page.	Value awaiting review	Minimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.	Visa Platinum criteria apply contactless functionality is available at enabled terminals.	35.89% per annum on regular revolving credit 19.56% per annum for -backed cards.	Value awaiting review	2 reward points per ₹150 under the Visa Platinum reward programme.	Contactless payment up to ₹5,000 without /signature ₹6,000 daily no- limit.	Complimentary domestic lounge benefit is published for Visa Platinum quota not published on Wave & Pay page.	Visa Platinum (Wave & Pay)
Apollo SBI CardState Bank of India	₹499 + applicable taxes	Renewal fee waived on annual spends of ₹1 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	3 Reward Points per ₹100 on Apollo services 2 per ₹100 on dining, movies and entertainment 1 per ₹100 on beauty and wellness 1 per ₹200 on other eligible purchases 1 point = ₹1	500 Reward Points worth ₹500 on joining-fee payment, plus complimentary OneApollo Gold Tier membership	Value awaiting review	Mastercard.
BPCL SBI CardState Bank of India	₹499 + applicable taxes	Conflicting official sources: says ₹50,000 annual spend product page says ₹1 lakh effective 1 May 2026	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	13 Reward Points per ₹100 on eligible fuel purchases, maximum 1,300 points per billing cycle 5 per ₹100 on dining, departmental stores, grocery and movies, maximum 5,000 points per month 1 per ₹100 on other eligible retail spends 4 points = ₹1	2,000 bonus Reward Points stated at ₹500 after joining-fee payment	Value awaiting review	Visa or Mastercard.
CASHBACK SBI CardState Bank of India	₹999 + applicable taxes	Renewal fee reversed on annual spends of ₹2 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5% foreign-currency transaction fee dynamic and static currency conversion markup is also 3.5% for non-ELITE cards on transactions of ₹1,000 or more.	5% on eligible online purchases and 1% on eligible offline purchases	1% on fuel transactions from ₹500 to ₹3,000 maximum ₹100 per statement cycle	Value awaiting review	Visa.
Flipkart SBI CardState Bank of India	₹500 + applicable taxes	Renewal fee reversed on annual spends of ₹3.5 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	7.5% on eligible Myntra spends 5% on Flipkart 4% at preferred or selected merchants 1% on other eligible spends 12% Cleartrip discount under published terms	₹250 Flipkart Gift Card on fee realisation plus a ₹1,000 first-transaction Flipkart benefit under linked terms	Value awaiting review	Visa or Mastercard.
Google Pay Flex SBI CardState Bank of India	₹499 + applicable taxes renewal fee ₹499 + applicable taxes from the second year	Renewal fee reversed on annual spends of ₹1 lakh or more in the preceding year	Value awaiting review	Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile final approval is subject to Card assessment	Up to 45% per annum for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	2 Stars per ₹500 cumulatively in the first two billing cycles subsequently 2 Stars per ₹500 on eligible transactions when at least ₹100 was spent in the previous cycle, otherwise 1 Star per ₹500 up to 4X at ₹15,000 monthly spend and 8X at ₹30,000 monthly spend maximum 18,000 Stars per year	Google Pay welcome gift worth ₹500 and 500 Stars after payment of the joining fee	No airport-lounge benefit is listed on the reviewed Google Pay Flex product page	The issuer describes Visa, Mastercard and American Express acceptance the issued network variant is not separately identified on the reviewed product page
IndiGo SBI CardState Bank of India	₹1,499 + applicable taxes	No spend-based renewal-fee waiver is listed in Card's current official fee table for IndiGo Card the listed renewal fee is ₹1,499 plus applicable taxes.	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	3 BluChips per ₹100 on IndiGo app and website spends 2 per ₹100 on hotel, lodging and travel 1 per ₹100 on other eligible spends	2,500 IndiGo BluChips voucher after annual-fee payment and the first transaction within 60 days	4 visits per year, maximum 1 per quarter after ₹50,000 spend in the previous quarter	Mastercard or RuPay.
IndiGo SBI Card ELITEState Bank of India	₹4,999 + applicable taxes	No spend-based renewal-fee waiver is listed in Card's current official fee table for IndiGo Card ELITE the listed renewal fee is ₹4,999 plus applicable taxes.	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	1.99%	7 BluChips per ₹100 on IndiGo app and website spends 3 per ₹100 on hotel, lodging and travel 2 per ₹100 on other eligible spends	5,000 IndiGo BluChips voucher and one 6E Eats voucher after fee payment and the first transaction within 60 days four 6E Prime passes after ₹1 lakh spend within 90 days	8 domestic visits per year, maximum 2 per quarter after ₹1 lakh previous-quarter spend 6 international visits per year, maximum 2 per quarter	Mastercard or RuPay.
IRCTC SBI Card PremierState Bank of India	₹1,499 + applicable taxes	Renewal fee reversed on preceding-year annual spends of ₹2 lakh or more	Value awaiting review	Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile final approval is subject to Card assessment	Up to 45% per annum for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	10 Reward Points per ₹100 (10% value back) on eligible online AC1, AC2, AC3, Executive Chair Car and Chair Car ticket base fares 1 Reward Point per ₹125 on eligible non-fuel retail spends	Renewal fee reversed at ₹2 lakh preceding-year spend railway and reward benefits remain subject to the linked loyalty and fare terms	The reviewed Premier product sources do not publish a current lounge visit allocation	Visa or RuPay
IRCTC SBI Platinum CardState Bank of India	₹500 + applicable taxes	No spend-based renewal-fee waiver is listed in the current product page or fee row	Value awaiting review	Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile final approval is subject to Card assessment	Up to 45% per annum for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	Up to 10% value back as Reward Points on eligible AC1, AC2, AC3, Executive Chair Car and Chair Car tickets booked through the website or app 1 Reward Point per ₹125 on eligible non-fuel retail spends	350 bonus Reward Points on a single transaction of ₹500 or more within 60 days of card issuance	Four complimentary railway-lounge visits per year in India, maximum one per quarter, for the primary cardholder	Visa
KrisFlyer SBI CardState Bank of India	₹2,999 + applicable taxes	No spend-based renewal-fee waiver is listed for KrisFlyer Card in the reviewed fee table	Value awaiting review	Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile an active KrisFlyer membership account is required for programme transfer	Up to 45% per annum for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule for cards outside its named exceptions	5 KrisFlyer miles per ₹200 on Singapore Airlines Group spends, 5 per ₹200 on international spends and 2 per ₹200 on other eligible spends	3,000 KrisFlyer miles on payment of annual fee and first transaction within 60 days of card issuance	Four complimentary domestic airport-lounge visits and four complimentary international airport-lounge visits per year maximum one visit per quarter	American Express or Mastercard payment platforms
KrisFlyer SBI Card ApexState Bank of India	₹9,999 + applicable taxes	No spend-based renewal-fee waiver is listed for KrisFlyer Card Apex in the reviewed fee table	Value awaiting review	Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile an active KrisFlyer membership account is a prerequisite for issuance and mile transfer	Up to 45% per annum for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule for cards outside its named exceptions	10 KrisFlyer miles per ₹200 on Singapore Airlines Group spends, 8 per ₹200 on international spends and 6 per ₹200 on other eligible spends	10,000 KrisFlyer miles on first transaction within 60 days of card issuance	Eight complimentary domestic airport-lounge visits and eight complimentary international airport-lounge visits per year maximum two visits per quarter	American Express or Mastercard payment platforms
Landmark Rewards SBI CardState Bank of India	Landmark Rewards: ₹499 SELECT: ₹1,499 PRIME: ₹2,999 plus applicable taxes	No spend-based renewal-fee waiver is listed annual and renewal fee are ₹499 plus taxes	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	10 Reward Points per ₹100 at Landmark stores 5 per ₹100 on dining, movies and international spends 1 per ₹100 on other eligible retail	2,000 bonus points worth ₹500 on annual-fee payment and 8,000 bonus points at ₹2 lakh annual retail spend	The current Card airport-lounge eligibility page does not list Landmark Rewards Card in the reviewed Set A or Set B card lists	Visa the Landmark SELECT booklet also describes Visa or RuPay card examples
Landmark Rewards SBI Card PRIMEState Bank of India	Landmark Rewards: ₹499 SELECT: ₹1,499 PRIME: ₹2,999 plus applicable taxes	No spend-based renewal-fee waiver is listed annual and renewal fee are ₹2,999 plus taxes	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	25 Reward Points per ₹100 at Landmark stores 10 per ₹100 on dining, movies and international spends 2 per ₹100 on other eligible retail	12,000 bonus points worth ₹3,000 on annual-fee payment and 20,000 bonus points at ₹5 lakh annual retail spend	8 complimentary domestic airport-lounge visits per year, maximum 2 per quarter Priority Pass membership includes 4 complimentary visits per year, maximum 2 per quarter	Visa the Landmark SELECT booklet also describes Visa or RuPay card examples
Landmark Rewards SBI Card SELECTState Bank of India	Landmark Rewards: ₹499 SELECT: ₹1,499 PRIME: ₹2,999 plus applicable taxes	No spend-based renewal-fee waiver is listed annual and renewal fee are ₹1,499 plus taxes	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	Landmark Rewards points on eligible Lifestyle, Home Centre, Max, Spar, Baby Shop and EasyBuy purchases rates follow the SELECT booklet and programme terms	The issuer's current airport-lounge page lists Landmark Rewards Card SELECT in Set A contactless card and worldwide acceptance are also published in the SELECT booklet	Included in Card Set A domestic airport-lounge programme visit quota and transaction rules are controlled by the current lounge terms	Visa the Landmark SELECT booklet also describes Visa or RuPay card examples
PhonePe SBI Card PURPLEState Bank of India	₹499 + applicable taxes	Renewal fee reversed on annual spends of ₹1 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	3 Reward Points per ₹100 on eligible PhonePe spends 2 per ₹100 on eligible online spends 1 per ₹100 on other spends 1 point = ₹1	PhonePe Gift Card worth ₹500	Value awaiting review	RuPay or Visa.
PhonePe SBI Card SELECT BLACKState Bank of India	₹1,499 + applicable taxes	Renewal fee reversed on annual spends of ₹3 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	10 Reward Points per ₹100 on eligible PhonePe spends 5 per ₹100 on eligible online spends 1 per ₹100 on other spends 1 point = ₹1	PhonePe e-Gift Card worth ₹1,500	4 complimentary domestic visits per year, maximum 1 per quarter Priority Pass membership for the first 2 years	RuPay or Visa.
Reliance SBI CardState Bank of India	Reliance Card: ₹499 + applicable taxes Reliance Card PRIME: ₹2,999 + applicable taxes	Reliance Card: reversed at ₹1 lakh annual spend PRIME: reversed at ₹3 lakh annual spend	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	10 Reward Points per ₹100 at AJIO and JioMart Online 5 per ₹100 at participating Reliance Retail stores 5 per ₹100 on dining and movies 2 per ₹100 on other eligible retail	Renewal fee reversed at ₹1 lakh preceding-year spend participating Reliance Retail offers and voucher redemption are subject to current partner terms	No airport-lounge allocation is listed for the base Reliance Card in the reviewed product page or current lounge eligibility page	RuPay or Mastercard variant
Reliance SBI Card PRIMEState Bank of India	Reliance Card: ₹499 + applicable taxes Reliance Card PRIME: ₹2,999 + applicable taxes	Reliance Card: reversed at ₹1 lakh annual spend PRIME: reversed at ₹3 lakh annual spend	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	20 Reward Points per ₹100 at AJIO and JioMart Online 10 per ₹100 at other participating Reliance Retail stores 5 per ₹100 on dining, movies, entertainment, domestic airlines and international spends 2 per ₹100 on other eligible retail	₹8,750 Reliance Retail vouchers at ₹3 lakh annual spend one movie ticket per month up to ₹250 ₹3 lakh renewal-fee reversal	2 complimentary domestic airport-lounge visits every quarter 4 complimentary international Priority Pass visits per year, maximum 2 per quarter	RuPay or Mastercard variant
SBI Card ELITEState Bank of India	₹4,999 + applicable taxes	Renewal fee reversed on annual spends of ₹10 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	1.99%	5X Reward Points on dining, department stores and grocery 2 points per ₹100 on other eligible spends 4 points = ₹1	1% fuel-surcharge waiver maximum ₹250 per statement cycle	2 domestic visits per quarter and 6 international Priority Pass visits per year, maximum 2 per quarter	Visa, Mastercard or American Express.
SBI Card MILESState Bank of India	₹1,499 + applicable taxes	Renewal fee reversed on annual spends of ₹6 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3%	2 Travel Credits per ₹200 on eligible travel spends and 1 Travel Credit per ₹200 on other eligible spends	1,500 Travel Credits after ₹30,000 spend within 60 days of card issuance	4 complimentary domestic visits per year with quarterly limits Priority Pass membership for the first 2 years, with international visits charged after any applicable complimentary allowance	Mastercard or RuPay.
SBI Card MILES ELITEState Bank of India	₹4,999 + applicable taxes	Renewal fee reversed on annual spends of ₹15 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	1.99%	6 Travel Credits per ₹200 on eligible travel spends and 2 Travel Credits per ₹200 on other eligible spends	5,000 Travel Credits after ₹1 lakh spend within 60 days of card issuance and joining-fee payment	8 domestic visits per year and 6 international Priority Pass visits per year, each with a maximum of 2 per quarter	Mastercard or RuPay.
SBI Card MILES PRIMEState Bank of India	₹2,999 + applicable taxes	Renewal fee reversed on annual spends of ₹10 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	2.5%	4 Travel Credits per ₹200 on eligible travel spends and 2 Travel Credits per ₹200 on other eligible spends	3,000 Travel Credits after ₹60,000 spend within 60 days of card issuance and joining-fee payment	8 domestic visits per year and 4 international Priority Pass visits per year, each with a maximum of 2 per quarter	Mastercard or RuPay.
SBI Card PRIMEState Bank of India	₹2,999 + applicable taxes	Renewal fee reversed on annual spends of ₹3 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5% foreign-currency transaction fee dynamic and static currency conversion markup is also 3.5% for non-ELITE cards on transactions of ₹1,000 or more.	10 Reward Points per ₹100 on dining, department stores, grocery and movies 2 points per ₹100 on other eligible spends	Spend milestones: ₹1,000 Pizza Hut voucher each quarter on ₹50,000 quarterly spend ₹7,000 annual gift voucher on ₹5 lakh annual spend	8 domestic visits per year and 4 international Priority Pass visits per year, with quarterly limits	Visa, Mastercard, American Express or RuPay, depending on the network variant issued.
SBI Card PULSEState Bank of India	₹1,499 + applicable taxes	Renewal fee reversed on annual spends of ₹2 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	10 Reward Points per ₹100 on eligible chemist, pharmacy, sports, dining and movie spends 2 Reward Points per ₹100 on other eligible spends 4 points = ₹1	Noise ColorFit Pulse 4 Pro smartwatch stated at ₹7,999 on joining-fee payment	4 complimentary domestic visits per year, maximum 1 per quarter Priority Pass membership for the first 2 years	Visa or Mastercard.
SimplyCLICK SBI CardState Bank of India	₹499 + applicable taxes	Renewal fee reversed on annual spends of ₹1 lakh	The official SimplyCLICK application flow starts its annual-income selector at ₹3 lakh approval remains subject to Card's eligibility assessment.	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5% foreign-currency transaction fee dynamic and static currency conversion markup is also 3.5% for non-ELITE cards on transactions of ₹1,000 or more.	10X Reward Points with selected online partners 5X on other online spends 1 point per ₹100 on other eligible spends	1% on fuel transactions from ₹500 to ₹3,000 maximum ₹100 per statement cycle	Value awaiting review	Visa or Mastercard.
SimplySAVE SBI CardState Bank of India	₹499 + applicable taxes	Renewal fee reversed on annual spends of ₹1 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5% foreign-currency transaction fee dynamic and static currency conversion markup is also 3.5% for non-ELITE cards on transactions of ₹1,000 or more.	10 Reward Points per ₹150 on dining, movies, department stores and grocery 1 point per ₹150 on other eligible spends 4 points = ₹1	2,000 bonus Reward Points after ₹2,000 of eligible spend in the first 60 days	Value awaiting review	Visa or Mastercard.
Tata Neu Infinity SBI CardState Bank of India	₹1,499 + applicable taxes	Renewal fee reversed on annual spends of ₹3 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	1.99%	5% NeuCoins on eligible non- Tata Neu and partner-brand spends up to an extra 5% on selected Tata Neu categories 1.5% on other eligible spends including	1,499 NeuCoins within 15 days of joining-fee realisation	8 domestic visits per year, maximum 2 per quarter after ₹75,000 previous-quarter spend 4 international visits per year, maximum 1 per quarter	RuPay or Visa variants are available.
Tata Neu Plus SBI CardState Bank of India	₹499 + applicable taxes	Renewal fee reversed on annual spends of ₹1 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 45% per annum	3.5%	2% NeuCoins on eligible non- Tata Neu and partner-brand spends up to an extra 5% on selected Tata Neu categories 1% on other eligible spends including	499 NeuCoins within 15 days of joining-fee realisation	4 visits per year, maximum 1 per quarter after ₹50,000 previous-quarter spend	RuPay or Visa variants are available.
Titan SBI CardState Bank of India	₹2,999 + applicable taxes	Renewal fee reversed on annual spends of ₹3 lakh	Value awaiting review	Age 21–70 salaried or self-employed regular income good credit profile issuer approval.	Up to 3.75% per month for unsecured cards	3.5% dynamic-currency-conversion fee under the current general rule	6 Reward Points per ₹100 on other eligible categories Titan-brand rewards and exclusions apply to partner-defined merchant categories	12,000 welcome points worth ₹3,000 ₹5,000 voucher at ₹5 lakh annual spend ₹10,000 voucher at ₹10 lakh annual spend renewal fee reversed at ₹3 lakh	8 complimentary domestic and 4 complimentary international airport-lounge visits per year, maximum 2 per quarter	Visa
Union Bank Divaa Credit CardUnion Bank of India	₹1,499 primary / ₹1,499 add-on	Annual fee waived when card usage in the last 12 months reaches ₹2 lakh	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union JCB Health Credit CardUnion Bank of India	₹499 for the primary card add-on not available	Annual fee waived when card usage in the last 12 months reaches ₹50,000	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union JCB Wellness Credit CardUnion Bank of India	₹999 for the primary card add-on not available	Annual fee waived when card usage in the last 12 months reaches ₹1 lakh	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank RuPay Platinum Credit CardUnion Bank of India	₹350 primary / ₹250 add-on	Annual fee waived when card usage in the last 12 months reaches ₹30,000	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank RuPay Select Credit CardUnion Bank of India	₹550 primary / ₹450 add-on	Annual fee waived when card usage in the last 12 months reaches ₹50,000	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Airport lounge access is listed among RuPay Select value-added benefits visit frequency and spend conditions are not published in the reviewed Union material	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union UNI Carbon Credit CardUnion Bank of India	₹550 primary / ₹250 add-on	Annual fee waived when card usage in the last 12 months reaches ₹1 lakh	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank Visa Business Platinum Credit CardUnion Bank of India	₹2,000 for the primary corporate card add-on not available	Value awaiting review	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank Visa Gold Credit CardUnion Bank of India	₹350 primary / ₹250 add-on	Annual fee waived when card usage in the last 12 months reaches ₹30,000	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank Visa Platinum Credit CardUnion Bank of India	₹450 primary / ₹350 add-on	Annual fee waived when card usage in the last 12 months reaches ₹50,000	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms
Union Bank Visa Signature Credit CardUnion Bank of India	₹1,999 primary / ₹999 add-on	Annual fee waived when card usage in the last 12 months reaches ₹2.70 lakh	Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants U-Secure cards against Union Bank term deposits do not require income proof	Resident individuals and with full salaried applicants aged 21–65 and business/professional/other applicants aged 21–70 minimum net annual income ₹2.50 lakh CIC score 650+ for government/ applicants and 700+ for others and income evidence required unless using the U-Secure deposit route	30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances	3% foreign-currency markup fee	Value awaiting review	Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover partner/network offers vary by variant	Value awaiting review	Variant network is Visa, RuPay or JCB as named in the product title network benefits and offers follow the sponsoring network and co-brand terms

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.

← Compare all credit cards