DevchandraSah/indian-credit-card-facts huggingface dataset:
Axis Bank Freecharge Credit Card — issued by AXIS on the VISA network, tier: ENTRY
Joining fee: Rs 250
Annual fee: Rs 250
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 18 years
Maximum age: 60 years
Reward rate: 0.2% to 0.2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
merchants: Freecharge app — recharges and bill payments
Perks: MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-13
Axis Bank Freecharge Plus Credit Card — issued by AXIS on the VISA network, tier: ENTRY
Joining fee: Rs 350
Annual fee: Rs 350
Lifetime free: no
Annual fee waived on yearly spend of Rs 50000
Forex markup: 3.5%
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: TRAVEL
rewardType: CASHBACK
ratePct: 2
pointValuePaisa: 100
merchants: Taxis, bus lines, suburban transport and car rental (MCC 4111/4121/4131/7512), incl. Ola and Uber
category: UTILITY_BILLS
rewardType: CASHBACK
ratePct: 5
pointValuePaisa: 100
merchants: Freecharge app — recharges and bill payments
Last verified: 2026-08-13
Google Pay Flex Axis Bank Credit Card — issued by AXIS 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 15000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.4% to 0.4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.4
monthlyCapRs: 1500
pointValuePaisa: 100
Last verified: 2026-08-13
Axis Bank Horizon Credit Card — issued by AXIS on the VISA network, tier: MID
Joining fee: Rs 3000
Annual fee: Rs 3000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 2% to 2%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 2
pointValuePaisa: 100
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 5
pointValuePaisa: 100
merchants: Axis Travel Edge & airlines
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
Last verified: 2026-08-13
IndianOil Axis Bank Credit Card — issued by AXIS 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 350000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.2% to 4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
category: FUEL
rewardType: REWARD_POINTS
ratePct: 4
monthlyCapRs: 200
pointValuePaisa: 20
merchants: Indian Oil (IOCL)
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 50
pointValuePaisa: 20
Last verified: 2026-08-13
IndianOil Axis Bank Premium Credit Card — issued by AXIS on the VISA network, tier: MID
Joining fee: Rs 1000
Annual fee: Rs 1000
Lifetime free: no
Annual fee waived on yearly spend of Rs 30000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 40000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.67% to 4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.67
pointValuePaisa: 100
category: FUEL
rewardType: REWARD_POINTS
ratePct: 4
monthlyCapRs: 600
pointValuePaisa: 100
merchants: Indian Oil (IOCL)
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.33
monthlyCapRs: 66
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-13
IndiGo Axis Bank Credit Card — issued by AXIS on the VISA network, tier: ENTRY
Joining fee: Rs 799
Annual fee: Rs 799
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.42% to 1.26%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.42
pointValuePaisa: 42
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.26
pointValuePaisa: 42
merchants: IndiGo
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.84
pointValuePaisa: 42
category: DINING
rewardType: REWARD_POINTS
ratePct: 0.84
pointValuePaisa: 42
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-13
IndiGo Axis Bank Premium Credit Card — issued by AXIS on the VISA network, tier: PREMIUM
Joining fee: Rs 5000
Annual fee: Rs 5000
Lifetime free: no
Forex markup: 2.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.84% to 2.94%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.84
pointValuePaisa: 42
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 2.94
pointValuePaisa: 42
merchants: IndiGo
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.26
pointValuePaisa: 42
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MOVIE_TICKET
Last verified: 2026-08-13
LIC Axis Bank Signature Credit Card — issued by AXIS 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 30000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.95% to 1.9%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.95
pointValuePaisa: 95
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 1.9
pointValuePaisa: 95
merchants: LIC (Life Insurance Corporation) premium payments
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.9
pointValuePaisa: 95
Perks: LOUNGE_ACCESS
INSURANCE
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank Magnus Credit Card — issued by AXIS on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 12500
Annual fee: Rs 12500
Lifetime free: no
Annual fee waived on yearly spend of Rs 2500000
Forex markup: 2%
Monthly APR: 3%
Minimum salary: Rs 150000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 2.4% to 2.4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 2.4
pointValuePaisa: 40
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-14
Miles & More Axis Bank World Credit Card — issued by AXIS on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 3500
Annual fee: Rs 3500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 2% to 2%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 2
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
CONCIERGE
Last verified: 2026-08-13
Miles & More Axis Bank World Select Credit Card — issued by AXIS on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 10000
Annual fee: Rs 4500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 3% to 3%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 3
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
CONCIERGE
Last verified: 2026-08-13
Axis Bank MyZone Credit Card — issued by AXIS on the VISA network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.4% to 0.4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.4
pointValuePaisa: 20
Perks: COBRANDED_OTT
MILESTONE_BONUS
FUEL_WAIVER
LOUNGE_ACCESS
MOVIE_TICKET
Last verified: 2026-08-13
Axis Bank Neo Credit Card — issued by AXIS on the VISA network, tier: ENTRY
Joining fee: Rs 250
Annual fee: Rs 250
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 12000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.1% to 0.1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.1
pointValuePaisa: 20
Perks: MOVIE_TICKET
Last verified: 2026-08-13
Axis Bank Olympus Credit Card — issued by AXIS on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 20000
Annual fee: Rs 20000
Lifetime free: no
Forex markup: 1.8%
Monthly APR: 3%
Reward rate: 4% to 8%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 4
pointValuePaisa: 400
category: INTERNATIONAL
rewardType: AIRLINE_MILES
ratePct: 8
pointValuePaisa: 400
Perks: LOUNGE_ACCESS
HOTEL_MEMBERSHIP
MILESTONE_BONUS
GOLF
CONCIERGE
Last verified: 2026-08-14
Axis Bank Primus Credit Card — issued by AXIS on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 500000
Annual fee: Rs 300000
Lifetime free: no
Forex markup: 0%
Monthly APR: 1%
Reward rate: 5% to 5%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 5
pointValuePaisa: 500
Perks: LOUNGE_ACCESS
HOTEL_MEMBERSHIP
GOLF
CONCIERGE
MILESTONE_BONUS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank Privilege Credit Card — issued by AXIS on the VISA network, tier: MID
Joining fee: Rs 1500
Annual fee: Rs 1500
Lifetime free: no
Annual fee waived on yearly spend of Rs 500000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 20
Perks: MILESTONE_BONUS
LOUNGE_ACCESS
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank Reserve Credit Card — issued by AXIS on the MASTERCARD network, tier: SUPER_PREMIUM
Joining fee: Rs 50000
Annual fee: Rs 50000
Lifetime free: no
Annual fee waived on yearly spend of Rs 3500000
Forex markup: 1.5%
Monthly APR: 3%
Reward rate: 3% to 6%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 40
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 6
pointValuePaisa: 40
Perks: CONCIERGE
GOLF
LOUNGE_ACCESS
HOTEL_MEMBERSHIP
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-14
Axis Bank Rewards Credit Card — issued by AXIS on the VISA network, tier: MID
Joining fee: Rs 1000
Annual fee: Rs 1000
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.32% to 3.2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.32
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3.2
monthlyCapRs: 224
pointValuePaisa: 20
merchants: Department stores, misc general merchandise, family clothing and apparel/accessory outlets, identified by merchant category code
Perks: MILESTONE_BONUS
MILESTONE_BONUS
LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-13
Samsung Axis Bank Infinite Credit Card — issued by AXIS 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 700000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 1% to 10%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 20
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 20
merchants: BigBasket, Tata 1mg, Urban Company, Myntra, Zomato
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 5000
pointValuePaisa: 100
merchants: Samsung stores, Samsung eStore/Shop app, Samsung Service Centres
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-13
Samsung Axis Bank Signature Credit Card — issued by AXIS 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 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 10%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 20
merchants: Zomato, BigBasket, Tata 1mg, Myntra, Urban Company
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 2500
pointValuePaisa: 100
merchants: Samsung stores, Samsung eStore/Shop app, Samsung Service Centres
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank Select Credit Card — issued by AXIS 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 800000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 1% to 2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 20
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 2
monthlyCapRs: 400
pointValuePaisa: 20
merchants: Grocery stores, department stores, clothing and accessory stores, family/women's/children's wear, misc apparel and accessory stores
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
GOLF
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank Shoppers Stop Credit Card — issued by AXIS 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 100000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.5% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 50
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
pointValuePaisa: 50
merchants: Shoppers Stop and HomeStop — Shoppers Stop Exclusive brands
Perks: FUEL_WAIVER
Last verified: 2026-08-13
SpiceJet Axis Bank Voyage Credit Card — issued by AXIS on the VISA network, tier: MID
Joining fee: Rs 750
Annual fee: Rs 750
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 30000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 0.75% to 4.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.75
pointValuePaisa: 50
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 4.5
pointValuePaisa: 50
merchants: SpiceJet
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 50
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 50
category: OTT_SUBSCRIPTIONS
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 50
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-13
SpiceJet Axis Bank Voyage Black Credit Card — issued by AXIS on the VISA network, tier: PREMIUM
Joining fee: Rs 2000
Annual fee: Rs 2000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 1.5% to 7%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 50
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 7
pointValuePaisa: 50
merchants: SpiceJet
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 50
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-13
Axis Bank SUPERMONEY RuPay Credit Card — issued by AXIS 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 15000 per month
Minimum age: 18 years
Maximum age: 70 years
Reward rate: 1% to 3%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 3
monthlyCapRs: 100
pointValuePaisa: 100
merchants: UPI payments via the super.money app
Perks: FUEL_WAIVER
Last verified: 2026-08-13
Unity Bank BharatPe Credit Card — issued by UNITY on the RUPAY network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.5%
Monthly APR: 2%
Minimum salary: Rs 20833 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 2% to 2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
INSURANCE
Last verified: 2026-08-08
BOBCARD Cashback Credit Card — issued by BOB on the MASTERCARD network, tier: MID
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 25 years
Maximum age: 55 years
Reward rate: 1% to 5%
Rewards by category: category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1500
pointValuePaisa: 100
category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
Perks: FUEL_WAIVER
Last verified: 2026-08-07
CMA One BOBCARD Credit Card — issued by BOB on the MASTERCARD network, tier: MID
Joining fee: Rs 1
Annual fee: Rs 0
Lifetime free: no
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 75 years
Reward rate: 0.25% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-15
BOBCARD Easy Credit Card — issued by BOB on the RUPAY network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Annual fee waived on yearly spend of Rs 35000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 25 years
Maximum age: 55 years
Reward rate: 0.2% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 200
pointValuePaisa: 20
Perks: FUEL_WAIVER
Last verified: 2026-08-07
Bank of Baroda Eterna Credit Card — issued by BOB on the VISA network, tier: PREMIUM
Joining fee: Rs 2499
Annual fee: Rs 2499
Lifetime free: no
Annual fee waived on yearly spend of Rs 250000
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 25 years
Maximum age: 55 years
Reward rate: 0.75% to 3.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.75
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 3.75
monthlyCapRs: 1250
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 3.75
monthlyCapRs: 1250
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3.75
monthlyCapRs: 1250
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 3.75
monthlyCapRs: 1250
pointValuePaisa: 25
Perks: FUEL_WAIVER
LOUNGE_ACCESS
MOVIE_TICKET
MILESTONE_BONUS
Last verified: 2026-08-15
BOBCARD Etihad Guest Credit Card — issued by BOB on the VISA network, tier: PREMIUM
Joining fee: Rs 2500
Annual fee: Rs 2500
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 1%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.5% to 1.5%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.5
pointValuePaisa: 50
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 1.5
pointValuePaisa: 50
merchants: Etihad Airways (etihad.com)
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
HOTEL_MEMBERSHIP
FUEL_WAIVER
Last verified: 2026-08-07
BOBCARD Etihad Guest Premium Credit Card — issued by BOB on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 5000
Annual fee: Rs 5000
Lifetime free: no
Annual fee waived on yearly spend of Rs 500000
Forex markup: 0%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 3%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 1
pointValuePaisa: 50
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 3
pointValuePaisa: 50
merchants: Etihad Airways (etihad.com)
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
HOTEL_MEMBERSHIP
FUEL_WAIVER
Last verified: 2026-08-07
HPCL ENERGIE BOBCARD Credit Card — issued by BOB 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 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: 0.33% to 4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.33
pointValuePaisa: 25
category: FUEL
rewardType: REWARD_POINTS
ratePct: 4
monthlyCapRs: 250
pointValuePaisa: 25
merchants: Eligible HPCL retail outlets on the HPCL/BOBCARD merchant (MID/TID) list, HPCL LPG and the HP Pay app. Fuel bought at HPCL outlets outside that list, at other fuel brands, and HP Pay wallet loads and direct debits do not earn the accelerated rate.
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.67
monthlyCapRs: 250
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.67
monthlyCapRs: 250
pointValuePaisa: 25
merchants: Departmental stores only. Supermarkets, convenience stores, variety stores and general retail stores (MCC 5261, 5331, 5411, 5499) earn no reward points on any BOBCARD variant.
Perks: FUEL_WAIVER
LOUNGE_ACCESS
MOVIE_TICKET
Last verified: 2026-08-15
ICAI Exclusive BOBCARD Credit Card — issued by BOB on the MASTERCARD network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 75 years
Reward rate: 0.25% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-15
ICSI Diamond BOBCARD Credit Card — issued by BOB on the MASTERCARD network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 75 years
Reward rate: 0.25% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 250
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-15
IRCTC BOBCARD RuPay Credit Card — issued by BOB on the RUPAY network, tier: MID
Joining fee: Rs 500
Annual fee: Rs 350
Lifetime free: no
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 4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 250
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 4
pointValuePaisa: 25
merchants: IRCTC railway ticket bookings (irctc.co.in / IRCTC Rail Connect app), AC/CC/EC classes
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-07