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Compare published card fees, income rules, finance charges, rewards and travel benefits.

126 products

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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
3.75% per month
3%
Reward points earned on THE SENTINEL can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 10 reward points per ₹100 on departmental-store spends (5X, capped at 1,000 points per month) and 2 points per ₹100 on other eligible 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.
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
  • 5% cashback on eligible domestic online spends, capped at ₹1,500 per month
  • 1% cashback on every other eligible spend. Fuel transactions do not earn cashback.
  • 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.
45% per annum
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
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
EASY: reward points redeem as cashback at ₹0.20 per point.
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.
45% per annum
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
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.
45% per annum
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%
ETERNA reward points redeem for cashback at ₹0.25 per point.
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
₹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
3.75% per month
1%
Value awaiting review
  • 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)
₹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
3.75% per month
0%
Value awaiting review
  • 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)
₹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.
18% per annum
1.5% per month
3.5% of the transaction amount
Value awaiting review
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
3.75% per month
1%
  • One rewards can be redeemed for cash or purchases in the OneCard app. The official page publishes 5X rewards on the customer’s top two spend categories
  • reward points are credited instantly and do not expire.
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
Reward points can be redeemed as cashback at ₹0.25 per reward point.
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
PREMIER: reward points redeem as cashback at ₹0.25 per point.
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.
45% per annum
3.75% per month
3.5% of the transaction amount
Reward points can be redeemed as cashback at ₹0.20 per point.
  • 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
Nil
  • No annual fee
  • fee waiver is not applicable.
Value awaiting review
  • Indian resident
  • salaried or self-employed
  • age 25–60.
45% per annum
3.75% per month
0%
The official Scapia page publishes travel rewards as Scapia Coins rather than statement cashback: 20% on bookings through the Scapia app, 10% on eligible Visa spends and 5% on eligible RuPay/ spends. Coins are used in the Scapia app for travel bookings.
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
SELECT: reward points redeem as cashback at ₹0.20 per point.
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.
45% per annum
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%
  • TIARA reward points redeem for cashback at ₹0.25 per point
  • reward points are capped at ₹500 per statement cycle.
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
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
3.75% per month
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
  • 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.
45% per annum
3.75% per month
3%
VIKRAM reward points redeem for cashback at ₹0.25 per point.
  • 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/.
45% per annum
3.75% per month
2%
One reward points redeem for cashback at ₹0.25 per point.
  • 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.
45% per annum
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
  • 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
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/.
45% per annum
3.75% per month
2%
Exclusive reward points redeem for cashback at ₹0.25 per point.
  • 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.
45% per annum
3.75% per month
2%
Diamond reward points redeem for cashback at ₹0.25 per point.
  • 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
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
3.75% per month
3%
Reward points earned on INDIAN ARMY YODDHA can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 10 reward points per ₹100 on departmental-store spends (5X, capped at 1,000 points per month) and 2 points per ₹100 on other eligible 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.
  • 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
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
3.75% per month
3%
Reward points earned on Indian Coast Guard Rakshamah can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 10 reward points per ₹100 on departmental-store spends (5X, capped at 1,000 points per month) and 2 points per ₹100 on other eligible 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.
  • 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
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
3.75% per month
3.5% of the transaction amount
  • Reward points on Indian Navy VARUNAH can be redeemed as cashback at ₹0.25 per reward point. The official page publishes 15 reward points per ₹100 on travel, dining, online and international spends and 3 points per ₹100 on other categories
  • fuel transactions do not earn reward points.
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
₹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.
45% per annum
3.75% per month
2.5%
  • Reward points on Indian Navy VARUNAH Plus can be redeemed as cashback at ₹0.25 per reward point. The card publishes 2 reward points per ₹100 on base eligible spends and 500 activation points after ₹5,000 spend within 60 days
  • fuel transactions do not earn reward points.
  • 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
₹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.
45% per annum
3.75% per month
2%
  • Reward points earned on Indian Navy VARUNAH Premium can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 15 reward points per ₹100 on travel, dining, online and international spends and 3 points per ₹100 on other eligible categories
  • accelerated rewards are capped at 2,500 points per statement cycle.
  • 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.
45% per annum
3.75% per month
3.5% of the transaction amount
The official Bank of Baroda Instant RuPay listing publishes 5X rewards on popular spend categories and complimentary lounge access, but does not state a statement-cashback or reward-point cash-conversion rate.
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.
45% per annum
3.75% per month
3.5% of the transaction amount
: up to 1% cashback is credited to the statement against transaction charges on eligible bookings.
  • 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
₹250
Annual fee waived on anniversary-year spends of ₹25,000
Value awaiting review
  • Indian resident
  • primary age 21–65
  • income proof
  • issuer approval.
45% per annum
3.75% per month
3.5% of the transaction amount
Reward points can be redeemed as cashback at ₹0.25 per reward point.
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.
45% per annum
3.75% per month
3.5% of the transaction amount
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
  • 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
  • ₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
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).
₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
  • 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.
  • ₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.
Value awaiting review
Value awaiting review
RuPay.
₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
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.
₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
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.
₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
2X loyalty reward points on eligible and e-commerce transactions, excluding restricted categories.
Value awaiting review
Value awaiting review
RuPay.
  • ₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
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.
  • ₹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.
  • Unsecured credit: 2.00% per month (24% per annum) on daily balances
  • default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.
  • 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.
Value awaiting review
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.
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
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
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.
  • 2.50% per month for unsecured Gold variants
  • 2.00% per month for secured Gold variants.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Platinum cards
  • 2.00% per month for the secured Platinum variant.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Gold variants
  • 2.00% per month for secured Gold variants.
Up to 3% of transaction amount
Value awaiting review
  • 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
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).
2.50% per month for unsecured cards.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Select/World cards
  • 2.00% per month for RuPay Select Secured.
Up to 3% of transaction amount
Value awaiting review
  • 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
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, 16 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
Value awaiting review
Cashback points on regular spends are listed as benefits, with details subject to bank policy.
  • Cashback points on regular spends
  • exact earn rate and redemption terms follow 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.
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).
2.50% per month for unsecured cards.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Platinum cards
  • 2.00% per month for the secured Platinum variant.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Platinum cards
  • 2.00% per month for the secured Platinum variant.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Select/World cards
  • 2.00% per month for RuPay Select Secured.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Select/World cards
  • 2.00% per month for RuPay Select Secured.
Up to 3% of transaction amount
Value awaiting review
  • 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
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).
2.50% per month for unsecured cards.
Up to 3% of transaction amount
Value awaiting review
  • 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
  • ₹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.
2.50% per month for Visa Signature and Visa Corporate.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Gold variants
  • 2.00% per month for secured Gold variants.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Platinum cards
  • 2.00% per month for the secured Platinum variant.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
  • 2.50% per month for unsecured Gold variants
  • 2.00% per month for secured Gold variants.
Up to 3% of transaction amount
Value awaiting review
  • 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
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.
2.50% per month for Visa Signature and Visa Corporate.
Up to 3% of transaction amount
Value awaiting review
  • 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
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
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
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).
1.99% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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).
1.66% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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).
1.66% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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
Value awaiting review
Value awaiting review
  • Visa or RuPay
  • exact variant is set according to the secured card limit and issuer approval.
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.
1.79% per month on purchases and 1.99% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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).
1.99% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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).
1.99% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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.
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).
1.66% per month on purchases and 2.25% per month on cash withdrawals.
  • 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.
Value awaiting review
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
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.
  • ₹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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
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
  • ₹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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
  • 0.5% online and 1.5% scan-and-pay cashback as Kiwis
  • monthly cap 1% of credit limit.
  • 0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay
  • monthly cap 1% of credit limit.
  • Dynamic monthly merchant offers of 5–15%
  • exclusions apply to listed categories.
Value awaiting review
RuPay Select
  • ₹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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Nil.
Value awaiting review
  • 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.
  • ₹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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Nil.
Value awaiting review
  • 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.
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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
  • 2% at Patanjali stores above ₹2,500 capped at ₹50 per transaction
  • 5–7% recharge cashback.
1 reward point per ₹100 spent, plus 300+ points on first usage.
  • 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
  • ₹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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
  • 2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction
  • 5–7% recharge cashback.
2 reward points per ₹150 spent, plus 300+ points on first usage.
  • 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
  • ₹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
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.
  • ₹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
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.
  • ₹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
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
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
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.
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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
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
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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
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
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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
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
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.
  • 2.95% per month on revolving credit
  • 1.5% per month for cards against fixed deposit.
Value awaiting review
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.
  • 2.95% per month regular
  • 1.5% per month for -backed cards.
Value awaiting review
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
Up to 3.75% per month
3.5%
The Apollo Card publishes 1 Reward Point = ₹1. Earn 3 points per ₹100 on Apollo services, 2 per ₹100 on dining, movies and entertainment, 1 per ₹100 on beauty and wellness, and 1 per ₹200 on other eligible purchases.
  • 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.
Apollo SBI Card SELECTState Bank of India
₹1,499 + applicable taxes
Renewal fee waived 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
Up to 3.75% per month
3.5%
Up to 25% value back on eligible Apollo 24|7 and Apollo Pharmacy purchases: 10 Reward Points per ₹100 plus up to 15% Apollo Circle health-credit value, subject to the card terms.
  • 10 Reward Points per ₹100 on Apollo 24|7 and Apollo Pharmacy
  • 2 per ₹100 on dining, movies, entertainment and travel
  • 1 per ₹200 on other eligible purchases
  • 1 point = ₹1
Apollo 24|7 e-gift voucher worth ₹1,500 and in-built Apollo Circle benefits on joining-fee payment
  • 4 complimentary domestic visits per year, maximum 1 per quarter
  • complimentary Priority Pass membership for 2 years
  • The issuer page lists Visa, Mastercard and American Express acceptance for cash access
  • the issued network can vary by card variant.
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
Up to 3.75% per month
3.5%
  • The Card publishes 4.25% value back on eligible fuel transactions, made up of 3.25% reward value and 1% fuel-surcharge waiver, with reward earnings capped at 1,300 points per billing cycle. Other published rewards are 5 points per ₹100 on dining, departmental stores, grocery and movies and 1 point per ₹100 on other eligible retail spends
  • 4 points = ₹1.
  • 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.
BPCL SBI Card OCTANEState 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
Up to 3.75% per month
3.5%
  • Up to 7.25% value back on eligible fuel purchases, including 25X Reward Points plus a 1% fuel-surcharge waiver
  • the issuer caps accelerated reward points at 2,500 per billing cycle.
  • 25 Reward Points per ₹100 on eligible fuel, lubricants and Bharatgas website/app purchases
  • 10 per ₹100 on dining, departmental stores, grocery and movies, maximum 7,500 points per month
6,000 bonus Reward Points stated at ₹1,500 after annual-fee payment
4 complimentary domestic visits per calendar year, maximum 1 per quarter
  • Visa or Mastercard acceptance
  • the issuer says the card works at outlets accepting either network.
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
Up to 3.75% per month
  • 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
  • Cashback programme: 5% on online spends and 1% on offline spends
  • cashback is credited to the Card account.
  • 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
Up to 3.75% per month
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
Cashback: 5% on Flipkart, 7.5% on Myntra, 4% on preferred merchants and 1% on other eligible spends.
₹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
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • Stars can be redeemed for instant cashback during eligible payments on Google Pay or for Google Pay vouchers
  • 1 Star = ₹1
  • 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
Up to 3.75% per month
3.5%
IndiGo Card earns IndiGo BluChips rather than statement cashback: 3 BluChips per ₹100 on IndiGo app and website spends, 2 per ₹100 on hotel, lodging and travel and 1 per ₹100 on other eligible spends. The reviewed page does not publish a cash-conversion rate.
  • 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
Up to 3.75% per month
1.99%
IndiGo Card ELITE earns IndiGo BluChips rather than statement cashback: 7 BluChips per ₹100 on IndiGo app and website spends, 3 per ₹100 on hotel, lodging and travel and 2 per ₹100 on other eligible spends. The reviewed page does not publish a cash-conversion rate.
  • 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
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 on eligible online AC rail-ticket base fare
  • points are redeemed through the linked loyalty programme
  • 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
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
Up to 10% value back as Reward Points on eligible online AC rail tickets booked through
  • 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
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule for cards outside its named exceptions
  • KrisFlyer miles are the published travel reward
  • no separate statement cashback rate is listed
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
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule for cards outside its named exceptions
  • KrisFlyer miles are the published travel reward
  • no separate statement cashback rate is listed
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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • No separate statement cashback rate is listed
  • the published value is Landmark Reward Points
  • 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: ₹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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • No separate statement cashback rate is listed
  • the published value is Landmark Reward Points
  • 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: ₹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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • No separate statement cashback rate is listed
  • the published value is Landmark Reward Points
  • 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
Up to 3.75% per month
3.5%
PhonePe Card PURPLE publishes 1 Reward Point = ₹1. Earn 3 points per ₹100 on eligible PhonePe spends, 2 per ₹100 on eligible online spends and 1 per ₹100 on other spends.
  • 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.
₹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
Up to 3.75% per month
3.5%
PhonePe Card SELECT BLACK publishes 1 Reward Point = ₹1. Earn 10 points per ₹100 on eligible PhonePe spends, 5 per ₹100 on eligible online spends and 1 per ₹100 on other spends.
  • 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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • 1 Reward Point = ₹0.25
  • the card publishes reward-point redemption rather than a separate statement cashback rate
  • 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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • 1 Reward Point = ₹0.25
  • the card publishes reward-point redemption rather than a separate statement cashback rate
  • 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
Up to 3.75% per month
1.99%
Card ELITE publishes 4 Reward Points = ₹1. Earn 5X Reward Points on dining, department stores and grocery and 2 points per ₹100 on other eligible spends.
  • 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
Up to 3.75% per month
3%
Card MILES earns Travel Credits rather than statement cashback: 2 Travel Credits per ₹200 on eligible travel spends and 1 per ₹200 on other eligible spends. The reviewed product page does not publish a cash-conversion rate.
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
Up to 3.75% per month
1.99%
Card MILES ELITE earns Travel Credits rather than statement cashback: 6 Travel Credits per ₹200 on eligible travel spends and 2 per ₹200 on other eligible spends. The reviewed product page does not publish a cash-conversion rate.
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
Up to 3.75% per month
2.5%
  • Card MILES PRIME earns Travel Credits rather than statement cashback: 4 Travel Credits per ₹200 on eligible travel spends and 2 per ₹200 on other eligible spends. Its terms say Travel Credits cannot be exchanged for cash or credit
  • the reviewed page does not publish a statement-cashback rate.
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
Up to 3.75% per month
  • 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.
Card PRIME earns Reward Points rather than a published statement-cashback rate: 10 points per ₹100 on dining, department stores, grocery and movies and 2 points per ₹100 on other eligible spends. The reviewed product page does not publish a cash-conversion rate.
  • 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
Up to 3.75% per month
3.5%
Card PULSE publishes 4 Reward Points = ₹1. Earn 10 points per ₹100 on eligible chemist, pharmacy, sports, dining and movie spends and 2 points per ₹100 on other eligible spends.
  • 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
Up to 3.75% per month
  • 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.
SimplyCLICK Card earns Reward Points rather than a published statement-cashback rate: 10X on selected online partners, 5X on other online spends and 1 point per ₹100 on other eligible spends. The reviewed product page does not publish a cash-conversion rate.
  • 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
Up to 3.75% per month
  • 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.
SimplySAVE Card publishes 4 Reward Points = ₹1. Earn 10 points per ₹150 on dining, movies, department stores and grocery and 1 point per ₹150 on other eligible spends.
  • 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
Up to 3.75% per month
1.99%
Tata Neu Infinity Card earns NeuCoins rather than statement cashback: 5% NeuCoins on eligible non- Tata Neu and partner-brand spends, up to an extra 5% on selected Tata Neu categories and 1.5% on other eligible spends including . The reviewed page does not publish a cash-conversion rate.
  • 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
Up to 3.75% per month
3.5%
Tata Neu Plus Card earns NeuCoins rather than statement cashback: 2% NeuCoins on eligible non- Tata Neu and partner-brand spends, up to an extra 5% on selected Tata Neu categories and 1% on other eligible spends including . The reviewed page does not publish a cash-conversion rate.
  • 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 45% per annum for unsecured cards
Up to 3.75% per month for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
  • 3% value back at Tanishq
  • 5% cashback at Mia, CaratLane and Zoya
  • up to 7.5% cashback at listed Titan brands, with quarterly caps
  • 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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
  • ₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
  • ₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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
₹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
2.50% per month (30% annualized) on cash advances and revolving balances
3% foreign-currency markup fee
Value awaiting review
Value awaiting review
  • Global acceptance, 2150-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.

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