74 open cards whose structured reward, lounge, or fee data qualifies them for online shopping.
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.
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
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 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
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
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
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.
Axis Bank
Genuine, bracketed cashback on online spends (2%/5%/7% depending on monthly spend level) and a flat 0.75% on everything offline — explicitly confirmed on its own page to carry NO fuel surcharge waiver at all, unlike most of this portfolio.
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
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
Earns Flipkart's own SuperCoins rather than cashback or EDGE points — genuinely unpriced, with no rupee redemption rate stated anywhere, and a materially higher rate for Flipkart Plus members.
Axis Bank
The higher Freecharge tier — genuine cashback rather than points, also explicitly invite-only, whose only welcome benefit is stated by the issuer itself to no longer apply to any currently-issuable card.
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
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
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.
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 super.money co-brand with no page anywhere on kotak.bank.in itself — genuine cashback outside the standard Reward Points programme, at a Kotak-wide-low 2% forex/DCC, but no fuel or railway surcharge waiver at all.
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.
American Express
The lowest-fee Amex India card at ₹495/year — earns 10x points on named merchants (Zomato, Ajio, Nykaa, BookMyShow, Uber, EaseMyTrip) and 5x on Amazon, each capped separately at 250-500 points/month, but genuinely no lounge access exists at this tier.
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
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 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 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
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.
Federal Bank
The entry tier — 3x/2x/1x Federal Reward Points on electronics/apparel, entertainment, and other spend — whose own APR is genuinely unresolved between two conflicting issuer-adjacent figures (5.88% p.a. vs. a 23.88%-45% p.a. tiered range), and whose forex markup could not be found anywhere.
Federal Bank
The Mastercard network variant of Signet — the one entry-tier card where a 2% forex markup was found with reasonable confidence, unlike its Visa sibling, though the same APR ambiguity applies.
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
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 one card in this batch with explicitly published income eligibility (₹10 lakh salaried / ₹12 lakh self-employed annual) — states its own ₹0.75/point cash-redemption value directly, earning up to 2.5 points per ₹100 on e-commerce.
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 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
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
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 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 ₹499 entry points card with an accelerated online rate and a genuinely disclosed ₹0.11–0.25 point value.
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 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 low-fee online-shopping-accelerated fintech co-brand card, issued via the Pop Club partner app, earning "POPcoins" with no disclosed rupee value.
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 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 no-fee, 0%-forex fintech co-brand cashback card with a directly disclosed ₹0.01/coin value, whose own KFS carries a genuine compounding-rate discrepancy on its stated APR.
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-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.
