211 open cards whose structured reward, lounge, or fee data qualifies them for fuel.
ICICI Bank
A lifetime-free card that pays its best rate on Amazon. Worth holding for Amazon spend; unremarkable elsewhere, and you cannot simply apply for it.
ICICI Bank
An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.
ICICI Bank
A no-fee starter card. Earns the same catalogue points as Coral but without the lounge, cinema or milestone benefits, so the fee saving is most of what distinguishes it.
ICICI Bank
A premium travel and lifestyle card carrying a substantial joining fee. Its value is concentrated in lounge access, welcome vouchers and golf rather than the earn rate, so it suits heavy travellers and nobody else.
ICICI Bank
Sits between Coral and Sapphiro: more lounge and golf access than the entry cards, at roughly half Sapphiro's joining fee, on the same unpriced points programme.
ICICI Bank
ICICI's top card, by invitation through a relationship manager only. Unlimited lounge access and golf, the lowest forex markup in the portfolio, and no late payment fee at all — but the reward rate is stated per ₹200, not per ₹100, and capped hard on everyday categories.
ICICI Bank
A fuel card that only pays off at HPCL. The 5% on fuel is ICICI's own stated figure and is the reason to hold it; away from HPCL pumps and the HP Pay app it earns the same unpriced points as the entry cards.
ICICI Bank
The applied-for sibling of Emeralde Private Metal, at a slightly lower fee and with meaningfully narrower benefits: lounge access covers the primary cardholder only, and the late payment fee its metal sibling waives entirely still applies here.
ICICI Bank
ICICI's highest-fee card at ₹20,000 a year. Unusually, ICICI states its earn rate as a percentage rather than as points, and it is the only card in the range with no ATM withdrawal fee.
ICICI Bank
A cheap card whose hook is a custom card image, but it quietly earns more on retail than Coral does — 3 points per ₹100 against Coral's 2 — for a lower fee.
ICICI Bank
The cheapest card in ICICI's range at ₹199, with a fee waiver reachable on ₹50,000 of annual spend. A fuel card for HPCL customers who do not spend enough to justify the Super Saver.
ICICI Bank
The cheapest way into the myCash programme at ₹500 once, then nothing. Earns half what the flagship MakeMyTrip card does, and its rewards are still only spendable on MakeMyTrip.
ICICI Bank
An airport-services card rather than a rewards card. Its value sits in lounge upgrades, valet parking, porters and Pranaam — the earn rate cannot even be priced, because Adani publishes no value for the currency it pays in.
ICICI Bank
The ₹750 entry to the same Adani airport-services set, at roughly half the Signature's benefit counts and less than half its earn rate. Same unpriced currency.
ICICI Bank
An Emirates loyalty card, not a rewards card. It pays in Skywards Miles, which have no published rupee value, so its worth depends entirely on flying Emirates — and it demands ₹2.5 lakh a month of income to hold.
ICICI Bank
Half the fee and three-quarters of the earn rate of the Emirates Emeralde, but its domestic lounge access has to be earned with ₹75,000 of spend each quarter rather than simply held.
ICICI Bank
Free for life, for Indian Defence and Paramilitary personnel only. No income requirement at all, and lounge and golf access that would ordinarily sit behind a substantial fee.
ICICI Bank
The entry Parakram card: free for life for Defence and Paramilitary personnel, at half the Select's earn rate and a quarter of its lounge access.
SBI Card
A genuine cashback card with no merchant restriction on the 5% online rate, undercut by an exclusion list SBI itself says is incomplete — utilities, insurance, fuel, rent, wallets, education, jewellery and railways all earn nothing, 'and more'.
SBI Card
An online-shopping card whose real rate depends on where you shop: 10x points at eleven named partners, worth roughly 2.5% there, 5x elsewhere online, 1x offline.
SBI Card
An entry card whose 10x rate is worth a real 2.5% at dining, movies, grocery and department stores — the card that supplied the ₹0.25-per-point rate the rest of the SBI portfolio is priced against.
SBI Card
Genuine cashback, not points — 5% Flipkart, 7.5% Myntra, no redemption arithmetic needed. The one Flipkart-side card without ICICI's Amazon-side complication of a points programme wearing a percentage label.
SBI Card
SBI's premium tier: 1.99% forex against the portfolio's 3.5% default, real lounge access, and the same ₹0.25 point value as the ₹499 entry card — the fee difference buys benefits, not a better redemption rate.
SBI Card
The lowest-fee card in the SBI Card portfolio verified so far, at ₹250, with the same ₹0.25 point value as the flagship Elite card and a lower APR tier — though nothing on the card's own page states an occupational restriction, despite its name and its grouping in the KFS's Defence/Secured APR tier.
SBI Card
The entry point into SBI's three-tier Miles family, each priced at a different forex rate the KFS is easy to misread as one exception list — Miles takes 3%, not the 1.99% its premium siblings get.
SBI Card
The middle Miles tier: double the plain Miles card's earn rate, a 2.5% forex rate confirmed on its own page, and a cleaner lounge structure than its sibling — a flat 8 domestic and 4 international visits stated without the ambiguity the plain Miles card's own page carries.
SBI Card
The top Miles tier, at the same 1.99% forex rate as SBI Card ELITE and AURUM — verified entirely from its Terms & Conditions and the MITC rather than its own product page, which is JavaScript-rendered and could not be read as text here.
SBI Card
SBI's NeuCoins card: a clean, issuer-stated "1 NeuCoin = Re. 1" redemption rate — no derivation needed — spendable only within the Tata Neu ecosystem, at the same 1.99% forex rate as SBI Card ELITE.
SBI Card
The entry NeuCoins card below Infinity: the same clean 1 NeuCoin = ₹1 rate, a much lower ₹499 fee, no international lounge access, and — since the KFS names only "Tata Neu Infinity" in its reduced-forex list — the 3.5% default forex rate rather than Infinity's 1.99%.
SBI Card
The higher-fee sibling of the ₹250 Shaurya SBI Card — first-year fee waived, ₹1,499 from year two — with the same unresolved occupational-restriction ambiguity: nothing on its own page states the Defence/Paramilitary restriction its name and tagline imply.
SBI Card
A ₹2,999 mid-premium card with real golf and lounge benefits, and — unusually for this dataset — an explicit multi-network statement on its own page (Mastercard, Visa and American Express) rather than silence on the point.
SBI Card
SBI's top Singapore Airlines co-brand, at ₹9,999 with no waiver — KrisFlyer Miles credit straight to the cardholder's own KrisFlyer account, with no statement-redemption option and no stated rupee value at all, unlike every SBI Reward Points card in this dataset.
SBI Card
The ₹2,999 entry point into SBI's Singapore Airlines co-brand — a third of APEX's earn rate, half its fraud-loss cover, and the same unpriced KrisFlyer Miles currency.
SBI Card
Named and marketed toward doctors — Professional Indemnity cover, 5x on medical supplies — but, like SBI's Shaurya-family cards, nothing on its own page actually restricts eligibility to registered medical professionals.
SBI Card
A PhonePe-app-focused card whose own page states "1 Reward Points = Re. 1" directly — a third distinct point-value pool in this portfolio, four times the standard SBI Rewardz rate, and not to be confused with IRCTC's coincidentally identical ₹1-per-point ticket-fare rate.
SBI Card
The higher tier of SBI's PhonePe co-brand — more than triple PURPLE's earn rate at every category, real lounge access, and the same ₹1-per-point rate as its sibling.
SBI Card
A secured, FD-backed entry card, free for its first four years — but its Reward Points redeem only against a gift catalogue, not a statement credit, so unlike most of this portfolio it carries no confirmed rupee point value at all.
SBI Card
The FD-backed secured counterpart to SimplyCLICK SBI Card, at the same fee and the same 10x/5x/1x earn structure — the Shaurya/Defence/Secured 33% APR tier is the one thing that genuinely differs.
SBI Card
The FD-backed secured counterpart to SimplySAVE SBI Card — identical ₹150-denominator earn structure, and its own "Cash Points" FAQ independently states the same ₹0.25 rate the unsecured card was one of the three original sources for.
SBI Card
A fuel co-brand whose own "4.25% value back" headline is a marketing bundle of a 3.25% reward rate and a separately-real 1% fuel surcharge waiver — the two are kept apart here rather than recorded as one number, the same discipline every other card's fee-vs-reward split in this dataset follows.
SBI Card
The higher BPCL tier — nearly double the base card's fuel-spend rate, real domestic lounge access, and a welcome benefit whose own math (6,000 points worth ₹1,500) independently cross-checks the same ₹0.25 rate the base card states directly.
SBI Card
SBI's IndiGo co-brand, earning BluChips redeemable only as an in-app voucher with no rupee value stated anywhere — genuinely unpriced, unlike NeuCoins on SBI's Tata co-brand, which state a direct 1:1 rate this currency does not.
SBI Card
The premium IndiGo tier — more than double the base card's BluChips rate, real lounge access, and the 1.99% forex tier the KFS names it in explicitly, even though the card's own page never states a forex figure at all.
SBI Card
A Reliance Retail co-brand whose points redeem only as Reliance Retail Vouchers, never a statement credit — genuinely unpriced, the same catalogue-only signal already seen on SBI Card Unnati and Delhi Metro.
SBI Card
The higher Reliance tier — double the base card's earn rate, real lounge access, and a monthly free-movie-ticket perk this schema has no dedicated field for.
SBI Card
A Landmark Group co-brand (Lifestyle, Home Centre, Max, Spar, Baby Shop, EasyBuy) whose welcome-benefit arithmetic — 2,000 points worth ₹500 — is a clean third-party cross-check of SBI's standard ₹0.25 rate, without ever stating the rate as a general redemption line.
SBI Card
The middle Landmark tier — 1.5x the base card's rate at Landmark stores, and a second independent welcome-benefit cross-check of the same ₹0.25 point value.
SBI Card
The top Landmark tier — 2.5x the base card's rate at Landmark stores, real lounge access, and a third independent welcome-benefit cross-check of the same ₹0.25 point value.
SBI Card
Genuine cashback, stated as direct percentages, with a "1 Reward Point = Re. 1" line explaining the underlying mechanic — modelled as cashback rather than points, the same treatment as Flipkart SBI Card.
SBI Card
The higher Paytm tier — nearly double the base card's Paytm Travel cashback rate, real lounge access, and a renewal-fee waiver its own KFS row doesn't show but its product page states directly.
SBI Card
An older TATA-retail co-brand, distinct from the newer Tata Neu cards — its "Empower Points" state a direct 1:1 rupee value, a different currency and rate from SBI's own ₹0.25 standard.
SBI Card
The higher TATA Card tier — triple the base card's Departmental/Grocery rate, real lounge access, and the same ₹1 Empower Point value.
SBI Card
Structurally identical to the base TATA Card — same fee, same Empower Point value, same earn structure — differentiated mainly by its own welcome benefit rather than its rewards shape.
SBI Card
The higher Croma tier — same shape as TATA Card SELECT, with real lounge access confirmed independently on SBI's own lounge-access page.
SBI Card
A Tata Star Bazaar co-brand whose own page states "1 Reward Point = Rs. 1" — the clearest example in this dataset of a card using the generic "Reward Points" name while explicitly NOT carrying SBI's standard ₹0.25 rate.
SBI Card
The higher STAR tier — same ₹1 point value as its sibling, real lounge access, and the highest welcome voucher of the three SELECT-tier TATA cards.
SBI Card
The mid-tier IRCTC card — up to 10% value back on IRCTC bookings, real railway lounge access this schema can only describe in prose, and a welcome-benefit ratio that hints at but doesn't confirm a general ₹1 point value.
SBI Card
The entry IRCTC tier, at the same ₹500 fee as the plain IRCTC SBI Card — but unlike that sibling, no point redemption rate is stated anywhere on this card's own page, so none is assumed from it.
Axis Bank
An entry-level rewards card whose own page states Axis's standard ₹0.20 point value directly, with a genuine 10x accelerator on apparel and departmental stores capped at ₹7,000 of monthly spend.
Axis Bank
A mid-tier rewards card whose two welcome/milestone benefit examples both cross-check Axis's standard ₹0.20 point value exactly, even though no general redemption rate is stated as a rate.
Axis Bank
The FD-backed secured counterpart to Axis Bank PRIVILEGE — identical earn rate and the same ₹0.20-confirming benefit figures, but no spend condition on its lounge access, unlike its unsecured sibling.
Axis Bank
Axis's flagship rewards card — a genuinely tiered earn rate that nearly triples once monthly spend passes ₹1.5 lakh, unlimited lounge access, and points that redeem only through a catalogue with no confirmed rupee value at all.
Axis Bank
Axis's top invite-adjacent flagship — 50 complimentary golf rounds a year, unlimited lounge access with guest visits, and the same catalogue-only, unpriced point redemption as MAGNUS.
Axis Bank
A travel-focused card whose own Value Chart states "1 EDGE Mile = ₹1" directly — a clean, card-specific currency, unlike EDGE Reward Points' portfolio-wide ₹0.20 rate.
Axis Bank
No live product page exists at all — verified entirely from Axis's own MITC and this card's own Terms & Conditions PDF, the card onto which former Citibank Prestige holders were migrated. Unlimited lounge access, golf, and concierge, but genuinely unpriced EDGE Miles.
Axis Bank
A travel card with a genuine, spend-tiered lounge structure (Silver/Gold/Platinum, unlocked at ₹3L/₹7.5L/₹15L annual spend) and the first Axis card in this dataset with confirmed income eligibility — but its own apply flow appears broken, raising an open question about whether it's still genuinely available.
Axis Bank
Complimentary for Burgundy relationship customers, ₹3,000 for everyone else — its welcome benefit is an exact cross-check of Axis's standard ₹0.20 point value, and it's the second Axis card in this dataset with confirmed income eligibility.
Axis Bank
Earns "First Citizen" points, a Shoppers-Stop-branded currency worth ₹0.50 each — directly stated, and a different currency and rate from Axis's own portfolio-wide EDGE Reward Points.
Axis Bank
A fintech co-brand sourced only to existing Fibe app customers, earning genuine cashback that rounds down per transaction — the issuer's own worked example confirms this exactly.
Axis Bank
A zero-fee, UPI-first RuPay card, confirmed directly on its own network — its EDGE Reward Points rate is applied here retroactively from Axis's already-confirmed ₹0.20 rate, since the card states no rate of its own.
Axis Bank
Genuine, tiered cashback — 7.5% Myntra, 5% Flipkart/Cleartrip, 4% preferred merchants, 1% everything else — each with its own quarterly cap, credited directly with no points conversion.
Axis Bank
A mixed-currency card — EDGE Reward Points on general spend, plus a separate 10% direct cashback specifically on Samsung purchases — whose own page independently confirms Axis's 55.55% default APR in so many words.
Axis Bank
A SpiceJet co-brand earning unpriced SpiceClub Points at 3-6 per ₹200, with a complimentary SpiceClub Silver membership that roughly doubles the SpiceJet-platform rate — no issuer statement of closure was found despite the airline's known operational difficulties.
Axis Bank
The higher SpiceJet Voyage tier — double the base card's SC Points rates, a complimentary SpiceClub Gold membership worth ₹7,500 in vouchers, and 8 domestic lounge visits a year confirmed by two independent issuer sources against a single contradicting page footnote.
Axis Bank
A low-fee IOCL fuel co-brand — unusually for this portfolio, fuel spend itself earns an issuer-stated 4% value back, on top of a ₹50/statement-cycle fuel surcharge waiver, with no lounge access of any kind.
Axis Bank
The higher IOCL tier — earning a distinctly-branded, unpriced "EDGE MILES" currency at 6 per ₹150 on fuel (double the base card's rate structure), plus an uncapped fuel surcharge waiver and 8 domestic lounge visits a year.
Axis Bank
An Airtel Thanks App cashback co-brand — a 1% uncapped base rate multiplies into 25%/10% accelerators on Airtel bill payments, but only up to a relative cap tied to that same base spend, and lounge access was explicitly discontinued in April 2026.
Axis Bank
Marketed toward Defence and Government of India personnel, but the issuer's own formal eligibility criteria carry no occupational restriction at all — open to any resident aged 18-70. Its EDGE Reward Points earn no stated rate, so no rules are recorded.
Axis Bank
Explicitly restricted to Indian Defence personnel in the issuer's own formal eligibility criteria — unlike its Pride Platinum sibling, which carries only marketing language to that effect — with unconditional quarterly domestic lounge access and no income requirement.
Axis Bank
A Google Pay co-brand cashback card whose flagship 5% rate is still live-gated to Google Pay specifically — one of two Axis cards in this dataset where the issuer's own documents genuinely disagree on the joining fee, and the only Axis card with no published eligibility criteria at all.
Axis Bank
A lifetime-free LIC co-brand earning a distinctly-branded, unpriced "Reward Points" currency at 2 per ₹100 on LIC premium payments (official gateway only) and forex — with 8 domestic lounge visits a year, but no base earn rate stated anywhere.
Axis Bank
The entry LIC co-brand tier — same unpriced Reward Points and the same 2-per-₹100 LIC-premium/forex accelerator as Signature, but confirmed to carry no lounge access at all, unlike its Signature sibling's 8 visits a year.
Axis Bank
A zero-fee UPI-first cashback co-brand with Flipkart Group's super.money — its top 3% rate is capped relative to what was separately earned at 1% in the same cycle, and the issuer's own press release and T&C PDF disagree on whether ₹500/cycle is a hard ceiling.
Axis Bank
A zero-fee IKEA co-brand with no live product page — restricted to registered IKEA Family members, and the only Axis card in this dataset whose own T&C document states its EDGE Reward Point value directly, three separate times, at 3x points on IKEA spend.
Kotak Mahindra Bank
A RuPay fuel co-brand earning genuine Reward Points at an issuer-confirmed 4% value back on IndianOil fuel spend — the founding confirmation of this portfolio's ₹0.20-₹0.25 point-value range, with both a per-transaction fuel surcharge waiver and the portfolio's usual cumulative-fuel-spend fee waived entirely.
Kotak Mahindra Bank
An FD-backed Visa Signature card restricted to NRE/NRO account holders, stating an outlier ₹1/point Reward Point value — five times richer than every other Kotak card confirmed so far in this portfolio.
Kotak Mahindra Bank
A travel Air Miles card in Kotak's discounted 2% forex/DCC bucket, earning 5 miles per ₹100 on flight/hotel bookings and auto-dealer spends — its Air Mile is worth ₹1 for travel redemptions but ₹5 for instant vouchers, so no single percentage rate is derived from it.
Kotak Mahindra Bank
Explicitly invite-only — "You Can't Apply—You Must Be Invited!" — reserved for Kotak's highest-relationship-value customers, with literally unlimited domestic and international lounge access and forex/DCC waived to zero.
Kotak Mahindra Bank
A low-fee digital-banking card with no dedicated Key Fact Statement of its own — earns Reward Points at 1-2 per ₹100, redeeming at the same ₹0.10 rate independently confirmed on two other Kotak cards, restricted to nine metro cities.
Kotak Mahindra Bank
A Fixed Deposit-backed secured RuPay card genuinely mid-transition: its Reward Points programme was discontinued 1 April 2026 and its replacement cashback scheme has no published rate anywhere, so it currently has no active, priced earning mechanism at all.
Kotak Mahindra Bank
An affluent milestone-reward card — its entire White Pass benefit is tiered annual-spend vouchers, up to ₹27,000/year, worth ₹1 each on the catalogue or ₹0.70 as cashback, with a ₹25 lakh income floor.
Kotak Mahindra Bank
A metal super-premium card with no explicit eligibility or invite-only statement anywhere — though it carries zero Apply Now links, purely circumstantial — offering unlimited worldwide lounge access and White Pass tiers up to ₹2,50,000/year.
Kotak Mahindra Bank
A low-fee Reward Points card whose "other categories" rate doubles from 4 to 8 points per ₹150 once annual spend crosses ₹2 lakh, redeeming at a Kotak-specific ₹0.07-0.10/point — a third distinct point value in this portfolio.
Kotak Mahindra Bank
Earns distinctly-branded Zen Points at 5-10 per ₹150, redeeming at a rate that numerically matches this portfolio's standard ₹0.20-0.25 range by coincidence rather than confirmed shared currency — capped at 6,500 points per billing cycle.
Kotak Mahindra Bank
A genuine flat-cashback card — 1 reward point always equals ₹1, no catalogue/cash split — at 5% on online groceries/food/entertainment and 3% on fuel, both sharing one combined ₹750/cycle cap; cash advance is not available at all.
Kotak Mahindra Bank
The Cashback+ sibling with an added 5% auto-dealer accelerator and a 0.5% base rate on insurance spends (capped at ₹25,000/cycle) — but the issuer's own FAQ explicitly confirms this card has no lounge access at all.
Kotak Mahindra Bank
An entry-level Air Miles travel card in the standard 45% APR / 3.5% forex tier — unlike its premium Air+ sibling — earning 3 miles per ₹100 on flight/hotel bookings via Kotak Unbox, capped at 5,000 miles a cycle.
Kotak Mahindra Bank
The premium Air Miles tier — 5 miles per ₹100 on flight/hotel bookings, a discounted 2% forex/DCC marketed as "Low Foreign Currency Mark-up," and both domestic and international lounge access, but international spend itself earns no miles at all.
American Express
A Charge Card with genuinely no revolving interest — the full statement balance is due each cycle, backed by a 5%-of-unpaid-balance Delinquency Fee (minimum ₹300/month) instead of an APR — at a ₹66,000 annual fee with no stated waiver and no cap on lounge visits.
AU Small Finance Bank
AU Bank's top tier — the only card exempted from the portfolio's usual spend-gated lounge access, at the lowest APR (23.88% p.a.) and forex markup (0.99%), but earning no confirmed rate outside dining/travel/international spend.
AU Small Finance Bank
The highest annual fee in AU Bank's portfolio (₹7,999), yet it sits in the standard 45% p.a. APR tier — only its forex markup is discounted. Rewards are marketed only as "up to 5x" with no published base rate.
AU Small Finance Bank
A flat "up to 4 points per ₹100" rewards card with no category breakdown published, sitting in its own distinct 2.99% forex tier and a 30% cash-advance limit — the highest cash-advance allowance anywhere in this portfolio.
AU Small Finance Bank
Earns a confirmed 5 points per ₹100 on shopping/dining/travel (capped at 5,000 points/cycle) with an 8,000-point welcome bonus — but its own FAQ confirms no joining-fee waiver exists at all, and it sits in the portfolio's highest 3.49% forex tier despite an otherwise-premium positioning.
AU Small Finance Bank
A low-fee entry card stacking up to 5 AU Rewardz points per ₹100 with a separate 10% cashback layer on five named merchants (Amazon Fresh, Zomato, District, Uber/Ola/Rapido, AU 0101), each capped at ₹50/month.
AU Small Finance Bank
AU Bank's cheapest card at ₹100/year, whose own FAQ confirms it has no welcome benefit at all — earns 2 points per ₹100 only on spend past a ₹5,000-per-cycle threshold, itself capped at 1,000 points/cycle.
AU Small Finance Bank
A genuine cashback card (2% groceries/departmental/utility, 1% other retail) rather than AU Rewardz points — its "8 lounge visits/year" benefit is railway lounge access, not airport, and its cash-advance limit (40%) is double the entry-tier cards'.
AU Small Finance Bank
The card's own page states two genuinely unreconciled reward structures for offline spend at once — a 1.5% cashback line and a separate 1-point-per-₹100 line — both kept as-is rather than one being silently discarded; online spend earns 2 points per ₹100.
AU Small Finance Bank
A dual-issuance Visa+RuPay pair earning genuine issuer-stated CheQ Points percentages up to 12% on partnered brands (Amazon, Flipkart, Zomato, BigBasket, Apple, CheQ Travel) — no redemption fee, but no lounge access at any tier.
AU Small Finance Bank
The only AU Bank card in this dataset with an explicitly stated Reward Point value — ₹1/point on Paytm Gold, ₹0.50/point elsewhere — earning up to 2% on UPI Scan & Pay and 5% on Paytm Travel/Gold.
AU Small Finance Bank
The only AU Bank card at a 0% forex/DCC markup, exempted from the portfolio's Transportation fair-usage fee, and gated by an explicit "registered on ixigo Platforms" requirement — yet it still sits in the standard 45% p.a. APR tier.
AU Small Finance Bank
Marketed toward Company Secretaries with a 25% ICSI membership-fee cashback, but the issuer's own formal eligibility criteria carry no ICSI-membership restriction at all — earning 8 points per ₹100 in the discounted 1.99%-forex / 35.88%-APR tier.
AU Small Finance Bank
A physically metal card marketed toward Chartered Accountants with a 25% ICAI membership-fee cashback, but — like its AU CS sibling — the issuer's own formal eligibility criteria carry no CA-membership restriction at all.
AU Small Finance Bank
A RuPay UPI card earning genuine 1% cashback (capped ₹500/cycle) plus a separate, unpriced "coins" currency on every UPI transaction — the only AU Bank card confirmed to have no annual-fee waiver of any kind, at any spend level.
AU Small Finance Bank
A Fixed-Deposit-secured card (min ₹20,000 FD, 2-year auto-renewing tenure, sole-ownership only) — the one AU Bank card with an explicitly stated Reward Point value of ₹0.25/point, and the highest cash-advance limit (70%) anywhere in the portfolio.
AU Small Finance Bank
An NRI-only card requiring both an existing NRE savings account AND an NRE Fixed Deposit with AU Bank, applied for at a branch rather than online — one of only two AU Bank cards with genuine international airport lounge access, and shares Zenith+'s zero cash-withdrawal fee.
AU Small Finance Bank
The entry tier of AU Bank's 3-card SwipeUp/Xcite family — 15 points per ₹100 on dining/movies/grocery, but railway lounge access only, no airport lounge at all.
AU Small Finance Bank
The one card in the Xcite family paying genuine milestone-tiered cashback (1%/2%/3% at ₹7,500/₹12,500/₹20,000 monthly spend) rather than category points, capped at ₹600/statement cycle, with spend-gated airport lounge access.
AU Small Finance Bank
The top Xcite tier — returns to category-based Reward Points at up to 12 per ₹100 on international spend, with spend-gated airport lounge access and a genuine within-page discrepancy on its Air Accident cover figure.
AU Small Finance Bank
A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.
AU Small Finance Bank
A UPI-first co-brand with fintech partner Kiwi (application and redemption both via the Kiwi App) — genuinely distinct from AU Zaggle's separate zagg.money partnership — earning "Kiwi rewards" with no published rate at all.
AU Small Finance Bank
Issued as two genuinely different network variants (RuPay or Visa, cardholder picks one) — the second AU Bank card besides NOMO with an explicitly confirmed Reward Point value, at ₹0.25/point, earning up to 8% on tiered UPI/contactless spend.
AU Small Finance Bank
Earns 5 points per ₹100 on grocery/departmental/contactless spend (capped 1,000 points/cycle, except contactless which is uncapped), with spend-gated domestic airport lounge access and 15% merchant discounts at Amazon Fresh, Zomato, and District.
AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
AU Small Finance Bank
The other half of AU Bank's Aditya Birla co-brand pair (with ABC Nxt) — identical terms on the same shared page, distinguished only by a separate login portal and co-brand name.
AU Small Finance Bank
The higher Aditya Birla co-brand tier — 10 points per ₹200 on travel/dining/international spend, a discounted 1.99% forex markup, and genuinely two-part lounge access: spend-gated domestic airport visits PLUS a separate annual Priority Pass visit.
AU Small Finance Bank
Charges a recurring MONTHLY ₹49+GST fee (waivable each statement cycle on ₹10,000 spend) rather than an annual fee — earns 10 points per ₹200 on grocery/utilities/education/insurance, with no welcome benefit, no milestone, and no Ola cashback, unlike its three ABC siblings.
IndusInd Bank
A CRED co-brand stating its own point value directly (1 point = ₹1) at 5% on e-commerce/CRED-app spend and 1% elsewhere — its own "Apply Now" button was observed routing to an unrelated card, so its true application flow is unconfirmed.
IndusInd Bank
Earns a flat number of Reward Points per qualifying transaction (≥₹500), tiered by transaction count rather than spend amount — 4/8/10 points per transaction as the count rises — at a precisely stated ₹0.35/point, with a free 3-month Zomato Gold membership on activation.
IndusInd Bank
IndusInd's first dedicated fuel co-brand — earns genuinely unpriced "Smiles" at 12 per ₹100 on Jio-bp fuel/lubes/EV-charging/cafe spend, redeemable only at Jio-bp outlets, but its own fuel surcharge waiver terms could not be found anywhere despite being a fuel-focused card.
IndusInd Bank
The publicly-marketed name for what the issuer's own fee schedule formally calls "EazyDiner IndusInd Bank Signature" — a paid dining co-brand at ₹0.10/point, sitting in the portfolio's lowest 1% DCC tier and offering 12 months of EazyDiner Prime membership worth ₹3,550 on activation.
IndusInd Bank
The lifetime-free EazyDiner tier — earning at ₹0.20/point, half its Signature sibling's rate but with UPI enabled via the RuPay variant — sitting in the standard 2% DCC tier despite EazyDiner Signature's discounted 1%.
IndusInd Bank
A Bajaj Capital Group co-brand (with Tiger Fintech) whose earn rate accelerates with cumulative ANNUAL spend rather than category — up to 6x the base 1-point-per-₹100 rate once ₹5 lakh/year is crossed — at a directly stated ₹0.40/point.
IndusInd Bank
Marketed with genuine exclusivity language ("Not everyone can be a part of this") but NOT phrased as invite-only, with a standard application flow available — earning 2.5 points per ₹100 on international spend at a directly stated ₹0.75/point.
RBL Bank
A relationship-priced premium card — free for existing Insignia Preferred Banking customers via their RM, ₹7,000/year through RBL's standard application for everyone else.
RBL Bank
A super-premium travel card with an issuer-confirmed ₹1-per-point value and generous lounge access, aimed at cardholders who can clear the ₹10 lakh annual-spend fee waiver.
RBL Bank
A mid-tier travel-and-dining points card with uncapped-feeling accelerated categories, undermined by an undisclosed redemption value and chargeable international lounge visits.
RBL Bank
A 0%-forex travel card with real complimentary international lounge access, undermined only by an unpublished reward-point redemption value.
RBL Bank
An entry-level online-spend rewards card with a ₹0.11–0.25 point value range and modest spend-gated domestic lounge access.
RBL Bank
World Prime's sibling at the same ₹2,999 fee, trading Prime's higher lounge-visit count for a monthly-spend milestone ladder whose exact framing RBL states ambiguously.
RBL Bank
The top of RBL's World family below Nova — a ₹4,999 fee (which RBL's own MITC separately calls NIL) buying a free Priority Pass membership where each visit still costs about $35.
RBL Bank
An entry-level fuel co-brand card whose headline "₹0.50 per Fuel Point" conversion rate is, by RBL's own FAQ, only a stepping stone to a ₹0.30 pump value.
RBL Bank
The higher-fee IndianOil variant, tripling the base card's fuel-point earn rate and monthly cap for drivers who fill up often enough to clear a ₹2.75 lakh annual-spend fee waiver.
RBL Bank
An entry Patanjali co-brand card built around 10% cashback at Patanjali stores, with no lounge access and no published point redemption value for its general spend.
RBL Bank
The higher-fee Patanjali co-brand tier, adding domestic lounge access and a bigger Patanjali cashback cap over Vishisht, at a fixed ₹1,499 fee with no spend waiver.
RBL Bank
A TVS Credit co-brand card with real spend-gated lounge access, whose "up to ₹0.25" point value sits alongside RBL's own boilerplate disclaiming that points carry any guaranteed value at all.
RBL Bank
The entry TVS Credit co-brand card, with a railway (not airport) lounge benefit and the same undisclosed-strength point value as its Gold sibling.
RBL Bank
A low-fee fintech co-brand card with a modest capped points rate and no published redemption value beyond the RBL Rewards Portal.
RBL Bank
An invite-only upgrade to SaveMax, tripling the grocery rate and adding a fuel earn category, with the same unpublished point redemption value.
RBL Bank
A step up from Duet with an accelerated travel-and-dining cashback rate, and the only card in this co-brand pair with a genuine fuel surcharge waiver.
RBL Bank
A voucher-only entertainment card with no per-rupee reward rate at all — value comes entirely from monthly BookMyShow discounts.
RBL Bank
The direct replacement for RBL's discontinued Titanium Delight card, mixing modest points with brand-specific cashback (Zomato, Myntra, Uber) at an unusual monthly-billed fee.
RBL Bank
A Wednesday-dining and BookMyShow-focused entertainment card with an unpublished redemption value.
RBL Bank
The premium tier of RBL's entertainment card family, adding real domestic lounge access over Movies and More and Fun+.
RBL Bank
An online-spend rewards card with a genuinely disclosed ₹0.11–0.25 point value, though its lounge benefit was discontinued in mid-2025.
RBL Bank
A no-frills weekday/weekend points card with a genuine fuel surcharge waiver but no lounge access.
RBL Bank
A flat-rate cashback card on fuel, ride-hailing, and groceries, with real (if modest) domestic lounge access.
RBL Bank
A general-spend points card with an accelerated online rate and modest domestic lounge access, undercut by an unpublished redemption value.
RBL Bank
A general-spend points card with an accelerated online rate, whose lounge benefit was discontinued in mid-2025 despite still appearing on the marketing page.
RBL Bank
A fuel and ride-hailing cashback card with no stated lounge access at all, despite the travel-suggestive name.
RBL Bank
A Wednesday-dining-accelerated points card with a genuinely disclosed ₹0.11–0.25 point value and no lounge access.
RBL Bank
A near-duplicate of Platinum Prime under a different name — RBL prices and structures them identically.
RBL Bank
A ₹499 entry card that, unlike its near-identical siblings, carries no spend-linked renewal-fee waiver at all.
RBL Bank
A ₹499 entry points card with an accelerated online rate and a genuinely disclosed ₹0.11–0.25 point value.
RBL Bank
Platinum Choice's fuel-cashback-focused sibling, stacking a 10% fuel cashback on top of the standard fuel surcharge waiver.
RBL Bank
An entry-level education/bill-payment-accelerated points card with no published redemption value.
RBL Bank
MyFirst's lower-fee sibling, with the same education/bill-payment earn structure and no published redemption value.
RBL Bank
A grocery-accelerated points card marketed as "lifetime free" on RBL's own landing page, while its current MITC and card-specific Terms & Conditions both charge ₹500/year unless a ₹1.5 lakh spend waiver is met.
RBL Bank
An NRI-focused premium card with a confirmed 1.5% forex markup and real numeric domestic/international lounge access, though RBL's own documents disagree on whether it's NRI-exclusive or also open to a domestic relationship tier.
RBL Bank
The richer relationship-tier cashback card above Aspire Banking, with unconditional domestic lounge access and a genuine fuel surcharge waiver — free only for RBL's Signature Banking segment.
Yes Bank
An invite-only wealth-tier card, not something a reader can apply for — reserved for Yes Bank's Private banking relationship customers.
Yes Bank
The lower-fee sibling of YES Private, sharing the same invitation-only gate and earn structure at a smaller guest-lounge allowance.
Yes Bank
A super-premium travel card with a genuinely disclosed ₹0.10–0.25 point value and real quarterly-spend-gated lounge access.
Yes Bank
A premium travel card whose fee and lounge terms are confirmed via Yes Bank's own MITC, but whose live marketing page could not be reached — its per-category earn rate is genuinely unconfirmed.
Yes Bank
A mid-tier points card (renamed from YES Premia/Elite) with generic-bucket redemption values and lounge access whose visit count Yes Bank never actually states.
Yes Bank
A low-fee entry points card (renamed from YES Prosperity Rewards Plus) with no lounge access and generic-bucket redemption values.
Yes Bank
A mid-fee points card (renamed from YES Prosperity Edge) whose own page carries a genuine forex-rate self-contradiction and a vague, uncounted lounge benefit.
Yes Bank
A no-fee RuPay conversion product for Yes Bank's own existing Visa/Mastercard cardholders — not open to new-to-bank applicants.
Yes Bank
A low-fee online-shopping-accelerated fintech co-brand card, issued via the Pop Club partner app, earning "POPcoins" with no disclosed rupee value.
Yes Bank
A lifetime-free fintech co-brand card with a Credit Score report benefit, whose actual reward earn rate is genuinely undisclosed.
Yes Bank
A configurable "Build Your Own Card" family — this entry covers only the Regular/Cashback variant's headline terms, since Yes Bank's own documents leave the cashback cap genuinely contradictory.
Yes Bank
A flat 1% cashback card built around automatic EMI conversion on eligible transactions, with no lounge access.
Yes Bank
A pharmacy-accelerated points card with real (if uncounted) lounge access, restricted to a dozen major Indian cities.
Yes Bank
The entry pharmacy-accelerated points card, with no lounge access at all — confirmed absent, unlike its Wellness Plus sibling.
Yes Bank
A women's-focused card marketed as "Lifetime Free," whose fee terms are disputed between two of Yes Bank's own MITC versions and whose reward earn rate is undisclosed.
Yes Bank
An entry business card for self-employed/proprietor applicants, whose forex markup and fuel-waiver terms carry an unresolved pre/post-15-June-2026 rate gap.
Yes Bank
The higher-tier business card above Prosperity Business, adding confirmed numeric international lounge access at double the earn rate.
Bank of Baroda
A dining/travel-accelerated premium card with a discounted 2% forex markup and unlimited (spend-gated) lounge access, whose real joining fee BOBCARD's own documents disagree on.
Bank of Baroda
A mid-tier travel/dining points card with modest quarterly-spend-gated lounge access, whose joining fee BOBCARD's own product page and MITC disagree on.
Bank of Baroda
BOBCARD's women's card, matching Eterna's fee and earn structure with a women's-health welcome benefit and the same discounted 2% forex markup.
Bank of Baroda
A 0%-forex airline co-brand card earning Etihad Guest Miles directly, with real numeric domestic and international lounge access.
Bank of Baroda
The entry Etihad Guest co-brand card, at half the fee and earn rate of Premium, with a 1% forex markup instead of 0%.
Bank of Baroda
A flat 1% cashback card with an accelerated e-commerce rate, billed either annually or monthly — cannot be added as an upgrade to an existing BOBCARD variant.
Bank of Baroda
A low-fee entry points card with a genuinely disputed redemption value between BOBCARD's own product page and its MITC.
Bank of Baroda
Easy's higher-fee sibling with an online/dining-accelerated rate, whose own product page advertises an insurance benefit the MITC explicitly says doesn't exist.
Bank of Baroda
A low-fee Snapdeal-accelerated points card whose welcome benefit was quietly halved in a 2024 revision, per BOBCARD's own circular.
Bank of Baroda
A fuel co-brand card with an HPCL-only surcharge waiver and spend-gated domestic lounge access, exempted from BOBCARD's portfolio-wide large-fuel-transaction fee.
Bank of Baroda
A railway co-brand card with a strong peak-season train-booking rate, whose claimed railway-lounge benefit could not be corroborated by any BOBCARD compliance document.
Bank of Baroda
A lifetime-free co-brand card genuinely restricted to active ICAI members, with a directly disclosed ₹0.25/point redemption rate.
Bank of Baroda
The near-identical ICSI counterpart to the ICAI card, restricted to active ICSI members, with a minor milestone-figure inconsistency versus its siblings.
Bank of Baroda
The ICMAI counterpart to the ICAI/ICSI cards, restricted to active ICMAI members, carrying a nominal ₹1 joining fee unlike its two siblings.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Army personnel and veterans, with quarterly-spend-gated domestic lounge access.
Bank of Baroda
A lifetime-free defence-personnel card with no lounge access and the lowest base earn rate in BOBCARD's defence family.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Navy personnel and veterans, with a distinct higher-fee "Plus" variant not modeled separately here.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Coast Guard personnel and veterans, with real numeric domestic lounge access.
Bank of Baroda
The Assam Rifles counterpart to RAKSHAMAH, matching its fee, earn, and lounge structure exactly.
Bank of Baroda
A low-fee regional rural bank co-brand card (BUPB/BGGB/BRKGB) with a departmental-store-accelerated rate and a genuinely disputed fuel-waiver cap.
Bank of Baroda
The Nainital Bank counterpart to Pragati, sharing an identical fee and earn structure and the same fuel-waiver cap dispute.
Bank of Baroda
A low-APR business card for JanSamarth-registered micro enterprises, applied for only through the government's own portal, with a genuinely disputed point value.
Bank of Baroda
A relationship-gated corporate card issued only to companies with an existing Bank of Baroda banking relationship, with real numeric domestic lounge access.
Bank of Baroda
A self-employed-focused business card open to both Bank of Baroda and non-BOB customers, with an accelerated utility-bill rate.
Bank of Baroda
An FD-secured card requiring no income proof, issued against a ₹30,000+ fixed deposit — BOBCARD discloses no credit-limit-to-FD ratio or tenure requirement.
