DevchandraSah/indian-credit-card-facts huggingface dataset:
HSBC Live+ Credit Card — issued by HSBC on the VISA network, tier: MID
Joining fee: Rs 999
Annual fee: Rs 999
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 1.99%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 1.5% to 10%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1.5
pointValuePaisa: 100
category: DINING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1200
pointValuePaisa: 100
merchants: Swiggy, Zomato, restaurant dining
category: GROCERY
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1200
pointValuePaisa: 100
merchants: BigBasket, Blinkit, Zepto
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1200
pointValuePaisa: 100
merchants: Apparel, department stores and other shopping MCCs
category: UTILITY_BILLS
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1200
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-15
HSBC Visa Platinum Credit Card — issued by HSBC on the VISA network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 1.33% to 1.33%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.33
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 8
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: HSBC Travel with Points portal
Perks: COBRANDED_OTT
FUEL_WAIVER
Last verified: 2026-08-07
HSBC Premier World Mastercard — issued by HSBC on the MASTERCARD network, tier: SUPER_PREMIUM
Joining fee: Rs 12000
Annual fee: Rs 20000
Lifetime free: no
Forex markup: 0.99%
Monthly APR: 2.99%
Minimum salary: Rs 300000 per month
Reward rate: 3% to 3%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 36
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: HSBC Travel with Points · hotels
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 18
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: HSBC Travel with Points · flights
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
category: EDUCATION
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
category: GOVERNMENT
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
category: WALLET
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
category: RENT
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 3000
pointValuePaisa: 100
Perks: CONCIERGE
FUEL_WAIVER
INSURANCE
LOUNGE_ACCESS
Last verified: 2026-08-15
HSBC RuPay Cashback Credit Card — issued by HSBC on the RUPAY network, tier: MID
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 1% to 10%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 400
pointValuePaisa: 100
category: DINING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 400
pointValuePaisa: 100
merchants: Swiggy, Zomato, restaurant dining
category: GROCERY
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 400
pointValuePaisa: 100
merchants: BigBasket, Blinkit, Zepto, Swiggy Instamart
Perks: LOUNGE_ACCESS
Last verified: 2026-08-15
HSBC RuPay Platinum Credit Card — issued by HSBC on the RUPAY network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 1.33% to 1.33%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.33
pointValuePaisa: 100
Perks: MOVIE_TICKET
Last verified: 2026-08-07
HSBC Taj Credit Card — issued by HSBC on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 110000
Annual fee: Rs 110000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 300000 per month
Minimum age: 25 years
Maximum age: 75 years
Reward rate: 1.01% to 3.35%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 67
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 3.35
pointValuePaisa: 67
merchants: Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails
Perks: MILESTONE_BONUS
HOTEL_MEMBERSHIP
CONCIERGE
LOUNGE_ACCESS
GOLF
INSURANCE
MOVIE_TICKET
Last verified: 2026-08-07
HSBC TravelOne Credit Card — issued by HSBC on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 4999
Annual fee: Rs 4999
Lifetime free: no
Annual fee waived on yearly spend of Rs 800000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 2% to 4%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 2
pointValuePaisa: 100
category: INTERNATIONAL
rewardType: AIRLINE_MILES
ratePct: 4
monthlyCapRs: 50000
pointValuePaisa: 100
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 4
monthlyCapRs: 50000
pointValuePaisa: 100
merchants: Flights · travel aggregators (airline and travel-agency MCCs)
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 24
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: HSBC Travel with Points · hotels
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 16
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: HSBC Travel with Points · flights
Perks: CONCIERGE
LOUNGE_ACCESS
GOLF
MILESTONE_BONUS
Last verified: 2026-08-15
Adani One ICICI Bank Platinum Credit Card — issued by ICICI on the VISA network, tier: MID
Joining fee: Rs 750
Annual fee: Rs 750
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 3%
Rewards by category: category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 100
merchants: ICICI's participating-merchant list — retail and food outlets inside Adani-managed airports (Mumbai, Ahmedabad, Jaipur, Guwahati, Lucknow, Mangaluru, Thiruvananthapuram). ICICI's launch release also names Adani One app bookings and Trainman, which the published merchant list does not.
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MOVIE_TICKET
CONCIERGE
FUEL_WAIVER
Last verified: 2026-08-13
Adani One ICICI Bank Signature Credit Card — issued by ICICI on the VISA network, tier: PREMIUM
Joining fee: Rs 5000
Annual fee: Rs 5000
Lifetime free: no
Annual fee waived on yearly spend of Rs 600000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1.5% to 7%
Rewards by category: category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 7
pointValuePaisa: 100
merchants: ICICI's participating-merchant list — retail and food outlets inside Adani-managed airports (Mumbai, Ahmedabad, Jaipur, Guwahati, Lucknow, Mangaluru, Thiruvananthapuram). ICICI's launch release also names Adani One app bookings and Trainman, which the published merchant list does not.
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
CONCIERGE
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
Amazon Pay ICICI Bank Credit Card — issued by ICICI on the VISA network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 1.99%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 18 years
Maximum age: 60 years
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
pointValuePaisa: 100
merchants: Amazon
Last verified: 2026-08-14
ICICI Bank Coral Credit Card — issued by ICICI on the VISA network, tier: MID
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Annual fee waived on yearly spend of Rs 150000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 0.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 100
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
FUEL_WAIVER
MOVIE_TICKET
Last verified: 2026-08-13
ICICI Bank Emeralde Credit Card (Metal) — issued by ICICI on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 12000
Annual fee: Rs 12000
Lifetime free: no
Annual fee waived on yearly spend of Rs 1000000
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 300000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 1.6% to 1.6%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.6
pointValuePaisa: 40
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.4
monthlyCapRs: 320
pointValuePaisa: 40
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.4
monthlyCapRs: 320
pointValuePaisa: 40
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.6
monthlyCapRs: 640
pointValuePaisa: 40
category: GOVERNMENT
rewardType: REWARD_POINTS
ratePct: 0.4
monthlyCapRs: 320
pointValuePaisa: 40
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 6
monthlyCapRs: 15000
pointValuePaisa: 100
merchants: ICICI iShop
Perks: CONCIERGE
GOLF
FUEL_WAIVER
LOUNGE_ACCESS
Last verified: 2026-08-13
ICICI Bank Emeralde Private Metal Credit Card — issued by ICICI on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 12499
Annual fee: Rs 12499
Lifetime free: no
Annual fee waived on yearly spend of Rs 1000000
Forex markup: 2%
Reward rate: 1.2% to 1.2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.2
pointValuePaisa: 40
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 18
monthlyCapRs: 18000
pointValuePaisa: 100
merchants: ICICI iShop
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.2
monthlyCapRs: 400
pointValuePaisa: 40
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.2
monthlyCapRs: 400
pointValuePaisa: 40
category: EDUCATION
rewardType: REWARD_POINTS
ratePct: 1.2
monthlyCapRs: 400
pointValuePaisa: 40
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 1.2
monthlyCapRs: 2000
pointValuePaisa: 40
Perks: CONCIERGE
GOLF
INSURANCE
FUEL_WAIVER
LOUNGE_ACCESS
Last verified: 2026-08-13
Emirates Skywards ICICI Bank Emeralde Credit Card — issued by ICICI on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 10000
Annual fee: Rs 10000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 250000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 2% to 2%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 2
pointValuePaisa: 100
Perks: MILESTONE_BONUS
LOUNGE_ACCESS
HOTEL_MEMBERSHIP
CONCIERGE
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
Emirates Skywards ICICI Bank Rubyx Credit Card — issued by ICICI on the VISA network, tier: MID
Joining fee: Rs 1000
Annual fee: Rs 1000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 1
pointValuePaisa: 100
Perks: HOTEL_MEMBERSHIP
LOUNGE_ACCESS
CONCIERGE
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
Emirates Skywards ICICI Bank Sapphiro Credit Card — issued by ICICI on the VISA network, tier: PREMIUM
Joining fee: Rs 5000
Annual fee: Rs 5000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 150000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 1.5% to 1.5%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 1.5
pointValuePaisa: 100
Perks: MILESTONE_BONUS
LOUNGE_ACCESS
HOTEL_MEMBERSHIP
CONCIERGE
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
ICICI Bank Expressions Credit Card — issued by ICICI on the VISA network, tier: MID
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 150000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.75% to 0.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.75
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.75
monthlyCapRs: 150
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
ICICI Bank HPCL Coral Credit Card — issued by ICICI on the VISA network, tier: ENTRY
Joining fee: Rs 199
Annual fee: Rs 199
Lifetime free: no
Annual fee waived on yearly spend of Rs 50000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 2.5%
Rewards by category: category: FUEL
rewardType: CASHBACK
ratePct: 2.5
monthlyCapRs: 100
pointValuePaisa: 100
merchants: Hindustan Petroleum (HPCL)
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 100
pointValuePaisa: 25
merchants: Grocery & departmental stores
Perks: FUEL_WAIVER
MOVIE_TICKET
Last verified: 2026-08-13
ICICI HPCL Super Saver Credit Card — issued by ICICI on the VISA network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Annual fee waived on yearly spend of Rs 150000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Reward rate: 0.5% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 100
pointValuePaisa: 25
category: FUEL
rewardType: CASHBACK
ratePct: 4
monthlyCapRs: 200
pointValuePaisa: 100
merchants: Hindustan Petroleum (HPCL)
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 100
pointValuePaisa: 25
merchants: Grocery & departmental stores
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 200
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MOVIE_TICKET
Last verified: 2026-08-15
MakeMyTrip ICICI Bank Credit Card — issued by ICICI on the MASTERCARD network, tier: MID
Joining fee: Rs 999
Annual fee: Rs 999
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 0.99%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Reward rate: 1% to 6%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 6
pointValuePaisa: 100
merchants: MakeMyTrip hotels
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 100
merchants: MakeMyTrip flights, buses & cabs
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 100
Perks: HOTEL_MEMBERSHIP
LOUNGE_ACCESS
MILESTONE_BONUS
Last verified: 2026-08-13
ICICI Bank Platinum Chip Credit Card — issued by ICICI on the VISA network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 0.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 100
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 100
pointValuePaisa: 25
Perks: FUEL_WAIVER
Last verified: 2026-08-13
ICICI Bank Rubyx Credit Card — issued by ICICI on the VISA network, tier: MID
Joining fee: Rs 3000
Annual fee: Rs 2000
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 200
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 200
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 200
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MOVIE_TICKET
GOLF
FUEL_WAIVER
MILESTONE_BONUS
Last verified: 2026-08-13
ICICI Bank Sapphiro Credit Card — issued by ICICI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 6500
Annual fee: Rs 3500
Lifetime free: no
Annual fee waived on yearly spend of Rs 600000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 200
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 200
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 200
pointValuePaisa: 25
Perks: GOLF
LOUNGE_ACCESS
MOVIE_TICKET
FUEL_WAIVER
MILESTONE_BONUS
Last verified: 2026-08-13
Times Black ICICI Bank Credit Card — issued by ICICI on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 20000
Annual fee: Rs 20000
Lifetime free: no
Annual fee waived on yearly spend of Rs 2500000
Forex markup: 1.49%
Minimum salary: Rs 250000 per month
Reward rate: 0.8% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.8
pointValuePaisa: 40
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 40
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.8
monthlyCapRs: 2000
pointValuePaisa: 40
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.8
monthlyCapRs: 2000
pointValuePaisa: 40
category: EDUCATION
rewardType: REWARD_POINTS
ratePct: 0.8
monthlyCapRs: 2000
pointValuePaisa: 40
category: GOVERNMENT
rewardType: REWARD_POINTS
ratePct: 0.8
monthlyCapRs: 2000
pointValuePaisa: 40
Perks: COBRANDED_OTT
CONCIERGE
LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
FUEL_WAIVER
MOVIE_TICKET
Last verified: 2026-08-13
IDFC FIRST Ashva Credit Card — issued by IDFC on the VISA network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Forex markup: 1%
Minimum salary: Rs 75000 per month
Reward rate: 0.83% to 0.83%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.83
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 0.83
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
GOLF
MOVIE_TICKET
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-07
IDFC FIRST Diamond Reserve Credit Card — issued by IDFC on the VISA network, tier: PREMIUM
Joining fee: Rs 3000
Annual fee: Rs 3000
Lifetime free: no
Annual fee waived on yearly spend of Rs 600000
Forex markup: 0%
Minimum salary: Rs 100000 per month
Reward rate: 0.5% to 0.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
Perks: MOVIE_TICKET
FUEL_WAIVER
LOUNGE_ACCESS
GOLF
Last verified: 2026-08-07
IDFC FIRST Digital RuPay Credit Card — issued by IDFC on the RUPAY network, tier: ENTRY
Joining fee: Rs 199
Annual fee: Rs 199
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Reward rate: 0.13% to 0.38%
Rewards by category: category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 0.38
pointValuePaisa: 25
merchants: UPI transactions above ₹2,000 (via BHIM, Google Pay, PhonePe, Paytm and other UPI apps)
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.13
pointValuePaisa: 25
Last verified: 2026-08-07
IDFC FIRST EA₹N Credit Card — issued by IDFC on the RUPAY network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 100000
Forex markup: 3.5%
Minimum salary: Rs 0 per month
Minimum age: 18 years
Maximum age: 80 years
Reward rate: 0.5% to 0.5%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 0.5
monthlyCapRs: 500
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: CASHBACK
ratePct: 0.5
monthlyCapRs: 500
pointValuePaisa: 100
category: TRAVEL
rewardType: CASHBACK
ratePct: 2.5
monthlyCapRs: 2000
pointValuePaisa: 100
merchants: Flight and hotel bookings made through the FIRST Rewards Gallery in the IDFC FIRST Bank app
Perks: MOVIE_TICKET
Last verified: 2026-08-15
IDFC FIRST Classic Credit Card — issued by IDFC on the VISA network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.5%
Monthly APR: 0.71%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.38% to 1.25%
Rewards by category: category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.13
pointValuePaisa: 25
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.38
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
INSURANCE
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-14
IDFC FIRST Private Credit Card — issued by IDFC on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 50000
Annual fee: Rs 25000
Lifetime free: no
Forex markup: 0%
Monthly APR: 0.75%
Reward rate: 1.67% to 1.67%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.67
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 0.83
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
GOLF
MOVIE_TICKET
CONCIERGE
INSURANCE
FUEL_WAIVER
Last verified: 2026-08-07
IDFC FIRST Wealth Credit Card — issued by IDFC on the VISA network, tier: PREMIUM
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 1.5%
Monthly APR: 0.71%
Minimum salary: Rs 300000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.38% to 1.25%
Rewards by category: category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.13
pointValuePaisa: 25
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.38
pointValuePaisa: 25
Perks: GOLF
INSURANCE
MOVIE_TICKET
LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-14