DevchandraSah/indian-credit-card-facts huggingface dataset:
Bank of Baroda Premier Credit Card — issued by BOB 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 120000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 60000 per month
Minimum age: 25 years
Maximum age: 55 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: 500
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 500
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 500
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
INSURANCE
FUEL_WAIVER
Last verified: 2026-08-15
BOBCARD Prime Credit Card — issued by BOB 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 0 per month
Minimum age: 18 years
Maximum age: 85 years
Reward rate: 0.4% to 0.4%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.4
pointValuePaisa: 20
Perks: FUEL_WAIVER
Last verified: 2026-08-07
BOBCARD Select Credit Card — issued by BOB 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 70000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 40000 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: DINING
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 200
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 200
pointValuePaisa: 20
Perks: FUEL_WAIVER
INSURANCE
Last verified: 2026-08-15
Snapdeal BOBCARD Credit Card — issued by BOB on the RUPAY network, tier: ENTRY
Joining fee: Rs 249
Annual fee: Rs 249
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
pointValuePaisa: 25
merchants: Snapdeal website and Snapdeal mobile app only
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 500
pointValuePaisa: 25
Perks: FUEL_WAIVER
Last verified: 2026-08-05
Bank of Baroda Tiara Credit Card — issued by BOB on the RUPAY 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 40000 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: TRAVEL
rewardType: REWARD_POINTS
ratePct: 3.75
monthlyCapRs: 1250
pointValuePaisa: 25
Perks: COBRANDED_OTT
LOUNGE_ACCESS
MOVIE_TICKET
FUEL_WAIVER
Last verified: 2026-08-15
CheQ AU Credit Card — issued by AU on the RUPAY network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 3.49%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.5% to 6%
Rewards by category: category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 6
monthlyCapRs: 6000
pointValuePaisa: 50
merchants: CheQ app — utilities, partner brands and CheQ Travel
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2.5
monthlyCapRs: 6000
pointValuePaisa: 50
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 50
Perks: FUEL_WAIVER
INSURANCE
Last verified: 2026-08-15
CRED Sovereign Credit Card — issued by INDUSIND on the RUPAY network, tier: SUPER_PREMIUM
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: no
Perks: CONCIERGE
Last verified: 2026-07-27
CUB SalarySe Level Up Credit Card — issued by CUB on the RUPAY network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Forex markup: 2%
Monthly APR: 3.5%
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.2% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 20
merchants: SalarySe UPI payments, and online spends made with the Level Up card details — the accelerated rate does not apply to spends routed through any other UPI app
Last verified: 2026-08-08
Federal Bank Celesta Credit Card — issued by FEDERAL on the VISA network, tier: PREMIUM
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Annual fee waived on yearly spend of Rs 0
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 75000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.25% to 0.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
category: DINING
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 0.75
pointValuePaisa: 25
category: INTERNATIONAL
rewardType: REWARD_POINTS
ratePct: 0.75
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 63
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
FUEL_WAIVER
MOVIE_TICKET
Last verified: 2026-08-08
Federal Bank Imperio Credit Card — issued by FEDERAL on the VISA network, tier: MID
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Annual fee waived on yearly spend of Rs 0
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 40000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.17% to 0.5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.17
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.5
pointValuePaisa: 25
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.33
pointValuePaisa: 25
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.17
monthlyCapRs: 63
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
FUEL_WAIVER
MOVIE_TICKET
MILESTONE_BONUS
Last verified: 2026-08-08
Federal Bank Signet Credit Card — issued by FEDERAL on the VISA network, tier: ENTRY
Joining fee: Rs 0
Annual fee: Rs 0
Lifetime free: yes
Annual fee waived on yearly spend of Rs 0
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 65 years
Reward rate: 0.13% to 0.38%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.13
pointValuePaisa: 25
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 0.38
pointValuePaisa: 25
merchants: Electronics and apparel
category: OTT_SUBSCRIPTIONS
rewardType: REWARD_POINTS
ratePct: 0.25
pointValuePaisa: 25
merchants: Entertainment
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 0.13
monthlyCapRs: 63
pointValuePaisa: 25
Perks: LOUNGE_ACCESS
MOVIE_TICKET
MILESTONE_BONUS
Last verified: 2026-08-08
HDFC Diners Club Black Metal Edition — issued by HDFC on the DINERS network, tier: SUPER_PREMIUM
Joining fee: Rs 10000
Annual fee: Rs 10000
Lifetime free: no
Annual fee waived on yearly spend of Rs 800000
Forex markup: 2%
Monthly APR: 1.99%
Minimum salary: Rs 250000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 3.33% to 6.67%
Rewards by category: category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 16.5
monthlyCapRs: 10000
pointValuePaisa: 100
merchants: HDFC SmartBuy
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 33.33
monthlyCapRs: 10000
pointValuePaisa: 100
merchants: HDFC SmartBuy
category: DINING
rewardType: REWARD_POINTS
ratePct: 6.67
pointValuePaisa: 100
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 3.33
monthlyCapRs: 75000
pointValuePaisa: 100
Perks: CONCIERGE
GOLF
LOUNGE_ACCESS
MILESTONE_BONUS
INSURANCE
Last verified: 2026-08-15
HDFC Bank Diners Club Privilege Credit Card — issued by HDFC on the DINERS network, tier: PREMIUM
Joining fee: Rs 1000
Annual fee: Rs 1000
Lifetime free: no
Annual fee waived on yearly spend of Rs 300000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 35000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 50
category: DINING
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 1250
pointValuePaisa: 50
merchants: Swiggy, Zomato
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 10
monthlyCapRs: 2000
pointValuePaisa: 50
merchants: HDFC SmartBuy
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MOVIE_TICKET
INSURANCE
Last verified: 2026-08-05
HDFC Bank Freedom Credit Card — issued by HDFC 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 50000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 12000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.08% to 0.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.08
pointValuePaisa: 15
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 0.75
monthlyCapRs: 375
pointValuePaisa: 15
merchants: BigBasket, BookMyShow, OYO, Swiggy, Uber
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.08
monthlyCapRs: 300
pointValuePaisa: 15
Perks: FUEL_WAIVER
Last verified: 2026-08-05
IndianOil HDFC Bank Credit Card — issued by HDFC 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 50000
Forex markup: 3.5%
Minimum salary: Rs 12000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.64% to 4.8%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.64
pointValuePaisa: 96
category: FUEL
rewardType: REWARD_POINTS
ratePct: 4.8
monthlyCapRs: 144
pointValuePaisa: 96
merchants: Indian Oil (IOCL)
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 4.8
monthlyCapRs: 96
pointValuePaisa: 96
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 4.8
monthlyCapRs: 96
pointValuePaisa: 96
Perks: FUEL_WAIVER
Last verified: 2026-08-05
HDFC Bank Infinia Metal Credit Card — issued by HDFC on the VISA network, tier: SUPER_PREMIUM
Joining fee: Rs 12500
Annual fee: Rs 12500
Lifetime free: no
Annual fee waived on yearly spend of Rs 1800000
Forex markup: 2%
Monthly APR: 1.99%
Reward rate: 3.3% to 3.3%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 3.3
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 16.5
monthlyCapRs: 15000
pointValuePaisa: 100
merchants: HDFC SmartBuy
Perks: CONCIERGE
GOLF
LOUNGE_ACCESS
INSURANCE
HOTEL_MEMBERSHIP
Last verified: 2026-08-08
IRCTC HDFC Bank Credit Card — issued by HDFC on the RUPAY 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 25000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 1000
pointValuePaisa: 100
merchants: IRCTC website & Rail Connect app (train tickets); +5% extra via HDFC SmartBuy
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Marriott Bonvoy HDFC Bank Credit Card — issued by HDFC on the DINERS network, tier: PREMIUM
Joining fee: Rs 3000
Annual fee: Rs 3000
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.6%
Minimum salary: Rs 100000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 0.8% to 1.6%
Rewards by category: category: DEFAULT
rewardType: HOTEL_POINTS
ratePct: 0.8
pointValuePaisa: 60
category: GROCERY
rewardType: HOTEL_POINTS
ratePct: 0.8
monthlyCapRs: 1200
pointValuePaisa: 60
category: DINING
rewardType: HOTEL_POINTS
ratePct: 1.6
pointValuePaisa: 60
category: TRAVEL
rewardType: HOTEL_POINTS
ratePct: 1.6
pointValuePaisa: 60
Perks: CONCIERGE
GOLF
HOTEL_MEMBERSHIP
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
LOUNGE_ACCESS
Last verified: 2026-08-05
HDFC Millennia Credit Card — issued by HDFC 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 100000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 35000 per month
Minimum age: 21 years
Maximum age: 40 years
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1000
pointValuePaisa: 100
merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
HDFC MoneyBack+ Credit Card — issued by HDFC on the MASTERCARD network, tier: ENTRY
Joining fee: Rs 500
Annual fee: Rs 500
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: 60 years
Reward rate: 0.2% to 2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.2
pointValuePaisa: 20
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2
monthlyCapRs: 500
pointValuePaisa: 20
merchants: Flipkart, Amazon, Swiggy, Reliance Smart, BigBasket
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
PhonePe HDFC Bank Ultimo Credit Card — issued by HDFC on the RUPAY 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 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
monthlyCapRs: 500
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 10
monthlyCapRs: 1000
pointValuePaisa: 100
merchants: PhonePe app — recharges, bills, and travel & stays (flights, bus, trains, hotels)
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
monthlyCapRs: 500
pointValuePaisa: 100
merchants: Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato
Perks: LOUNGE_ACCESS
FUEL_WAIVER
Last verified: 2026-08-05
PhonePe HDFC Bank Uno Credit Card — issued by HDFC 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%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 500
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 2
monthlyCapRs: 500
pointValuePaisa: 100
merchants: PhonePe app — recharges, bills, and travel & stays (flights, bus, trains, hotels)
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 500
pointValuePaisa: 100
merchants: Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato
Perks: FUEL_WAIVER
Last verified: 2026-08-05
HDFC PIXEL Go Credit Card — issued by HDFC on the VISA 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: 3.75%
Minimum salary: Rs 12000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 1%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 500
pointValuePaisa: 100
merchants: HDFC SmartBuy — IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor
Perks: FUEL_WAIVER
Last verified: 2026-08-05
HDFC PIXEL Play Credit Card — issued by HDFC 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 100000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Reward rate: 1% to 5%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 15000
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 500
pointValuePaisa: 100
merchants: Chosen cashback packs — BookMyShow & Zomato, MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, Croma & Reliance Digital, or Nykaa & Myntra
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 500
pointValuePaisa: 100
merchants: HDFC SmartBuy — IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 3
monthlyCapRs: 500
pointValuePaisa: 100
merchants: One chosen e-commerce platform — Amazon, Flipkart or PayZapp
Perks: FUEL_WAIVER
Last verified: 2026-08-05
HDFC Regalia Gold Credit Card — issued by HDFC 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 400000
Forex markup: 2%
Monthly APR: 3.75%
Minimum salary: Rs 150000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1.25% to 6.25%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.25
pointValuePaisa: 50
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 6.25
monthlyCapRs: 2500
pointValuePaisa: 50
merchants: Myntra, Marks & Spencer, Nykaa, Reliance Digital
category: TRAVEL
rewardType: REWARD_POINTS
ratePct: 6.25
monthlyCapRs: 2000
pointValuePaisa: 50
merchants: HDFC SmartBuy
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
MILESTONE_BONUS
MILESTONE_BONUS
INSURANCE
CONCIERGE
Last verified: 2026-08-05
Shoppers Stop HDFC Bank Credit Card — issued by HDFC on the RUPAY network, tier: ENTRY
Joining fee: Rs 299
Annual fee: Rs 299
Lifetime free: no
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: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 3
monthlyCapRs: 500
pointValuePaisa: 100
merchants: Shoppers Stop stores and shoppersstop.com (identified by Shoppers Stop terminal/merchant IDs)
Perks: MILESTONE_BONUS
FUEL_WAIVER
Last verified: 2026-08-05
Shoppers Stop Black HDFC Bank Credit Card — issued by HDFC on the RUPAY network, tier: PREMIUM
Joining fee: Rs 4500
Annual fee: Rs 4500
Lifetime free: no
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 70000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 2% to 7%
Rewards by category: category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 7
pointValuePaisa: 100
merchants: Shoppers Stop stores and shoppersstop.com
category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 100
Perks: LOUNGE_ACCESS
MILESTONE_BONUS
INSURANCE
Last verified: 2026-08-05
Swiggy HDFC Bank Credit Card — issued by HDFC 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 200000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 25000 per month
Reward rate: 1% to 10%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 500
pointValuePaisa: 100
category: DINING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Swiggy app (Food, Instamart, Dineout, Genie)
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Apparel, Electronics, Department Stores, Online Pet Stores, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores, Cleartrip
Last verified: 2026-08-05
Swiggy BLCK HDFC Bank Credit Card — issued by HDFC on the MASTERCARD network, tier: PREMIUM
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 30000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1% to 10%
Rewards by category: category: DEFAULT
rewardType: CASHBACK
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
category: DINING
rewardType: CASHBACK
ratePct: 10
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Swiggy app — Food, Instamart, Dineout
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs and other select online
Perks: GOLF
Last verified: 2026-08-05
Swiggy Ornge HDFC Bank Credit Card — issued by HDFC 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 150000
Forex markup: 3.5%
Monthly APR: 3.75%
Minimum salary: Rs 15000 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: 1000
pointValuePaisa: 100
category: DINING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Swiggy app — Food, Instamart, Dineout
category: ONLINE_SHOPPING
rewardType: CASHBACK
ratePct: 5
monthlyCapRs: 1500
pointValuePaisa: 100
merchants: Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online
Perks: GOLF
FUEL_WAIVER
Last verified: 2026-08-15
Tata Neu Infinity HDFC Bank Credit Card — issued by HDFC 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: 2%
Monthly APR: 3.75%
Minimum salary: Rs 100000 per month
Minimum age: 21 years
Maximum age: 60 years
Reward rate: 1.5% to 5%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1.5
pointValuePaisa: 100
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1.5
monthlyCapRs: 2000
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1.5
monthlyCapRs: 2000
pointValuePaisa: 100
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 5
pointValuePaisa: 100
merchants: Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg, Air India
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 1.5
monthlyCapRs: 2000
pointValuePaisa: 100
merchants: LIC and other insurers, paid via bill payments on the Tata Neu app
Perks: LOUNGE_ACCESS
Last verified: 2026-08-05
Tata Neu Plus HDFC Bank Credit Card — issued by HDFC 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 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: 1% to 2%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 1
pointValuePaisa: 100
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 1000
pointValuePaisa: 100
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 2000
pointValuePaisa: 100
category: INSURANCE
rewardType: REWARD_POINTS
ratePct: 1
monthlyCapRs: 2000
pointValuePaisa: 100
merchants: LIC and other insurers, paid via bill payments on the Tata Neu app
category: ONLINE_SHOPPING
rewardType: REWARD_POINTS
ratePct: 2
pointValuePaisa: 100
merchants: Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg
Perks: LOUNGE_ACCESS
Last verified: 2026-08-05
HDFC Bank UPI RuPay Credit Card — issued by HDFC on the RUPAY network, tier: ENTRY
Joining fee: Rs 99
Annual fee: Rs 99
Lifetime free: no
Annual fee waived on yearly spend of Rs 25000
Forex markup: 3.5%
Monthly APR: 3.75%
Reward rate: 0.25% to 0.75%
Rewards by category: category: DEFAULT
rewardType: REWARD_POINTS
ratePct: 0.25
monthlyCapRs: 125
pointValuePaisa: 25
category: GROCERY
rewardType: REWARD_POINTS
ratePct: 0.75
monthlyCapRs: 125
pointValuePaisa: 25
merchants: Grocery, supermarket, dining and all PayZapp spends
category: UTILITY_BILLS
rewardType: REWARD_POINTS
ratePct: 0.5
monthlyCapRs: 125
pointValuePaisa: 25
Perks: FUEL_WAIVER
Last verified: 2026-08-05