DevchandraSah/indian-credit-card-facts huggingface dataset:
RBL Bank ShopRite Credit Card — issued by RBL 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: 3.99%
Minimum salary: Rs 12000 per month
Minimum age: 18 years
Maximum age: 60 years
Reward rate: 0.25% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 250
pointValuePaisa: 25
merchants: Supermarkets & departmental stores
Perks: FUEL_WAIVER
MOVIE_TICKET
Last verified: 2026-08-06
RBL Bank TVS Credit Card — issued by RBL on the MASTERCARD network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.99%
Minimum salary: Rs 15000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 0.25% to 0.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 250
pointValuePaisa: 25
merchants: Online retail spends
Perks: FUEL_WAIVER
MILESTONE_BONUS
MOVIE_TICKET
LOUNGE_ACCESS
Last verified: 2026-08-06
RBL Bank TVS Gold Credit Card — issued by RBL on the MASTERCARD network, tier: MID
Joining fee: Rs 1500
Annual fee: Rs 1500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.99%
Minimum salary: Rs 25000 per month
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 0.5% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
merchants: International / overseas spends
category: DINING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 250
pointValuePaisa: 100
merchants: EazyDiner
Perks: LOUNGE_ACCESS
FUEL_WAIVER
MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-06
RBL Bank World Safari Credit Card — issued by RBL on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 3000
Annual fee: Rs 3000
Lifetime free: no
Forex markup: 0%
Monthly APR: 3.99%
Minimum salary: Rs 50000 per month
Reward rate: 0.5% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
merchants: Travel & forex
Perks: LOUNGE_ACCESS
GOLF
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-06
RBL Bank World Safari Lite Credit Card — issued by RBL on the MASTERCARD network, tier: MID
Joining fee: Rs 1000
Annual fee: Rs 1000
Lifetime free: no
Forex markup: 0%
Monthly APR: 3.99%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0% to 0.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
merchants: RBL Bank travel rewards portal
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-06
Roarbank RuPay 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: 3.3%
Minimum age: 18 years
Maximum age: 65 years
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 2500
pointValuePaisa: 100
Last verified: 2026-08-08
Apollo SBI Card — issued by SBI on the MASTERCARD network, tier: ENTRY
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 100000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Reward rate: 0.5% to 3%
Rewards by category: category: GROCERY
rewardType: REWARD_POINTS
ratePct: 3
pointValuePaisa: 100
merchants: Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics
category: DINING
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
Perks: COBRANDED_OTT
FUEL_WAIVER
Last verified: 2026-08-05
Apollo SBI Card SELECT — issued by SBI on the MASTERCARD network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 30000 per month
Reward rate: 0.5% to 10%
Rewards by category: category: GROCERY
rewardType: REWARD_POINTS
ratePct: 10
monthlyCapRs: 5000
pointValuePaisa: 100
merchants: Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics
category: DINING
rewardType: REWARD_POINTS
ratePct: 2
monthlyCapRs: 5000
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 2
monthlyCapRs: 5000
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-15
SBI Card AURUM — issued by SBI on the MASTERCARD network, tier: SUPER_PREMIUM
Joining fee: Rs 9999
Annual fee: Rs 9999
Lifetime free: no
Annual fee waived on yearly spend of Rs 1200000
Forex markup: 1.99%
Monthly APR: 3.75%
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 25
Perks: CONCIERGE
HOTEL_MEMBERSHIP
COBRANDED_OTT
LOUNGE_ACCESS
GOLF
MOVIE_TICKET
FUEL_WAIVER
INSURANCE
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-14
BPCL SBI Card — issued by SBI 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 100000
Forex markup: 3.5%
Minimum salary: Rs 25000 per month
Reward rate: 0.25% to 3.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: FUEL
rewardType: REWARD_POINTS
ratePct: 3.25
monthlyCapRs: 325
pointValuePaisa: 25
merchants: Bharat Petroleum (BPCL)
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1250
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1250
pointValuePaisa: 25
Perks: FUEL_WAIVER
Last verified: 2026-08-15
BPCL SBI Card Octane — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Minimum salary: Rs 30000 per month
Reward rate: 0.25% to 6.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 1875
pointValuePaisa: 25
category: FUEL
rewardType: REWARD_POINTS
ratePct: 6.25
monthlyCapRs: 625
pointValuePaisa: 25
merchants: Bharat Petroleum (BPCL)
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 1875
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-15
SBI Cashback Credit Card — issued by SBI 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: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 20000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 2000
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 2000
pointValuePaisa: 100
Perks: FUEL_WAIVER
Last verified: 2026-08-05
Doctor's SBI Card — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 30000 per month
Reward rate: 0.25% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
merchants: Travel agencies & tour operators (MCC 4722)
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
Perks: INSURANCE
LOUNGE_ACCESS
LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Doctor's SBI Card (in Association with IMA) — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 30000 per month
Reward rate: 0.25% to 1.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
merchants: Travel agencies & tour operators (MCC 4722)
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
Perks: INSURANCE
LOUNGE_ACCESS
LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
SBI Card ELITE — issued by SBI 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 1000000
Forex markup: 1.99%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 2.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 2500
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 2500
pointValuePaisa: 25
merchants: All grocery and departmental stores except Metro Cash & Carry, Reliance Market and Walmart, which SBI names as ineligible for the accelerated rate
Perks: LOUNGE_ACCESS
MOVIE_TICKET
HOTEL_MEMBERSHIP
CONCIERGE
FUEL_WAIVER
INSURANCE
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
Last verified: 2026-08-15
Flipkart SBI Card — issued by SBI on the MASTERCARD network, tier: MID
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Annual fee waived on yearly spend of Rs 350000
Forex markup: 3.5%
Minimum salary: Rs 25000 per month
Reward rate: 1% to 7.5%
Rewards by category: category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 7.5
monthlyCapRs: 1333
pointValuePaisa: 100
merchants: Myntra
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1333
pointValuePaisa: 100
merchants: Flipkart, Shopsy & Flipkart Travel
category: TRAVEL
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1333
pointValuePaisa: 100
merchants: Cleartrip
category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
Perks: FUEL_WAIVER
Last verified: 2026-08-05
IndiGo SBI Card — issued by SBI on the MASTERCARD network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 30000 per month
Reward rate: 0.42% to 1.26%
Rewards by category: category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 1.26
pointValuePaisa: 42
merchants: IndiGo bookings
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 0.84
pointValuePaisa: 42
category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.42
pointValuePaisa: 42
Perks: MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-05
IndiGo SBI Card ELITE — issued by SBI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 4999
Annual fee: Rs 4999
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 50000 per month
Reward rate: 0.84% to 2.94%
Rewards by category: category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 2.94
pointValuePaisa: 42
merchants: IndiGo bookings
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 1.26
pointValuePaisa: 42
category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.84
pointValuePaisa: 42
Perks: MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
LOUNGE_ACCESS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
IRCTC SBI Platinum Card — issued by SBI on the VISA network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Reward rate: 0.8% to 10%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.8
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 10
pointValuePaisa: 100
merchants: IRCTC
Perks: LOUNGE_ACCESS
FUEL_WAIVER
MILESTONE_BONUS
Last verified: 2026-08-05
IRCTC SBI Card Premier — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Minimum salary: Rs 25000 per month
Reward rate: 0.8% to 8%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.8
pointValuePaisa: 100
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.4
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 2.4
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 8
pointValuePaisa: 100
merchants: IRCTC
Perks: LOUNGE_ACCESS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
KrisFlyer SBI Card — issued by SBI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 50000 per month
Reward rate: 0.5% to 1.25%
Rewards by category: category: INTERNATIONAL
rewardType: AIRLINE_MILES
ratePct: 1.25
pointValuePaisa: 50
category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.5
pointValuePaisa: 50
Perks: MILESTONE_BONUS
LOUNGE_ACCESS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
KrisFlyer SBI Card Apex — issued by SBI on the MASTERCARD network, tier: SUPER_PREMIUM
Joining fee: Rs 9999
Annual fee: Rs 9999
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 100000 per month
Reward rate: 1.5% to 2%
Rewards by category: category: INTERNATIONAL
rewardType: AIRLINE_MILES
ratePct: 2
pointValuePaisa: 50
category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 1.5
pointValuePaisa: 50
Perks: MILESTONE_BONUS
LOUNGE_ACCESS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
Landmark Rewards SBI Card — issued by SBI on the VISA network, tier: ENTRY
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Reward rate: 0.25% to 2.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
merchants: Landmark stores
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Landmark Rewards SBI Card PRIME — issued by SBI on the VISA network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 50000 per month
Reward rate: 0.5% to 6.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 6.25
pointValuePaisa: 25
merchants: Landmark stores
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Landmark Rewards SBI Card SELECT — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 30000 per month
Reward rate: 0.5% to 3.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3.75
pointValuePaisa: 25
merchants: Landmark stores
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
SBI Card MILES — issued by SBI on the MASTERCARD network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 600000
Forex markup: 3%
Monthly APR: 3.75%
Minimum salary: Rs 30000 per month
Reward rate: 0.25% to 0.5%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.25
pointValuePaisa: 50
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 0.5
pointValuePaisa: 50
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-15
SBI Card Miles Elite — issued by SBI 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 1500000
Forex markup: 1.99%
Monthly APR: 3.75%
Minimum salary: Rs 60000 per month
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
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
SBI Card MILES PRIME — issued by SBI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Annual fee waived on yearly spend of Rs 1000000
Forex markup: 2.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Reward rate: 0.5% to 1%
Rewards by category: category: DEFAULT
rewardType: AIRLINE_MILES
ratePct: 0.5
pointValuePaisa: 50
category: TRAVEL
rewardType: AIRLINE_MILES
ratePct: 1
pointValuePaisa: 50
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
INSURANCE
Last verified: 2026-08-05
Paytm SBI Card — issued by SBI on the VISA network, tier: ENTRY
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Reward rate: 1% to 3%
Rewards by category: category: TRAVEL
rewardType: CASHBACK
ratePct: 3
pointValuePaisa: 100
merchants: Paytm Travel
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 3
pointValuePaisa: 100
merchants: Paytm Mall & Movies
category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
Perks: MILESTONE_BONUS
INSURANCE
FUEL_WAIVER
Last verified: 2026-08-05
Paytm SBI Card SELECT — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 200000
Forex markup: 3.5%
Minimum salary: Rs 30000 per month
Reward rate: 1% to 5%
Rewards by category: category: TRAVEL
rewardType: CASHBACK
ratePct: 5
pointValuePaisa: 100
merchants: Paytm Travel
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
pointValuePaisa: 100
merchants: Paytm Mall & Movies
category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
INSURANCE
FUEL_WAIVER
Last verified: 2026-08-05
PhonePe SBI Card PURPLE — issued by SBI on the RUPAY network, tier: ENTRY
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 100000
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Reward rate: 1% to 3%
Rewards by category: category: UTILITY_BILLS
rewardType: CASHBACK
ratePct: 3
monthlyCapRs: 750
pointValuePaisa: 100
merchants: PhonePe app
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 2
monthlyCapRs: 750
pointValuePaisa: 100
category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
PhonePe SBI Card SELECT BLACK — issued by SBI on the RUPAY network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 1% to 10%
Rewards by category: category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 10
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: PhonePe app
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 1000
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 2000
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-14
SBI Card PRIME — issued by SBI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 50000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 2.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 1875
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 1875
pointValuePaisa: 25
merchants: All grocery and departmental stores except Metro Cash & Carry, Reliance Market and Walmart, which SBI names as ineligible for the accelerated rate
Perks: FUEL_WAIVER
LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
HOTEL_MEMBERSHIP
INSURANCE
Last verified: 2026-08-15
SBI Card PULSE — issued by SBI on the VISA network, tier: MID
Joining fee: Rs 1499
Annual fee: Rs 1499
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
Reward rate: 0.5% to 2.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 1875
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
COBRANDED_OTT
MILESTONE_BONUS
INSURANCE
Last verified: 2026-08-05
Reliance SBI Card — issued by SBI on the MASTERCARD network, tier: ENTRY
Joining fee: Rs 499
Annual fee: Rs 499
Lifetime free: no
Annual fee waived on yearly spend of Rs 100000
Forex markup: 3.5%
Minimum salary: Rs 20000 per month
Reward rate: 0.25% to 2.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
merchants: AJIO & JioMart
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
merchants: Reliance Retail stores
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1250
pointValuePaisa: 25
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Reliance SBI Card PRIME — issued by SBI on the MASTERCARD network, tier: PREMIUM
Joining fee: Rs 2999
Annual fee: Rs 2999
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Minimum salary: Rs 50000 per month
Reward rate: 0.5% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
pointValuePaisa: 25
merchants: AJIO & JioMart
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 2.5
pointValuePaisa: 25
merchants: Reliance Retail stores
category: DINING
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 1.25
monthlyCapRs: 1875
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MOVIE_TICKET
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Shaurya SBI Card — issued by SBI on the RUPAY network, tier: ENTRY
Joining fee: Rs 250
Annual fee: Rs 250
Lifetime free: no
Annual fee waived on yearly spend of Rs 50000
Forex markup: 3.5%
Monthly APR: 2.75%
Minimum salary: Rs 20000 per month
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: 1250
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 25
Perks: INSURANCE
FUEL_WAIVER
Last verified: 2026-08-05