• Zero Joining Fees
  
• Annual Membership Fee (Renewal): ₹ 399+ applicable taxes. (Fee will be charged in case of customer not achieving the spend condition) (Not Applicable for Life Time Free Card)
• Spend ₹1,50,000 in card anniversary year and get waiver on renewal fee for the subsequent year (Not Applicable for Life Time Free card)
• Interest Rate of 3.99% per month (47.88% annually), on Revolving Credit, Cash Advances and Overdue Amount.
• Rental transactions are capped at 3 transaction per 30 days with fee as follows:
  • 1% of transaction value or INR 1 whichever is higher will be levied as fee, for transaction amount up to INR 1,000
  • 1% of transaction value or INR 199 whichever is higher will be levied as fee, for transaction amount above INR 1,000
• Minimum 1% of transaction value or Rs 1 whichever is higher will be levied on all Wallet transactions greater than Rs 1.
  
• Utility Charges:
  A charge of 1% + applicable GST will be applicable on all utility transactions on Spends above INR 15,000 in a month. Fee capped at Rs.3000 in a month.⁶
  
  Illustration:
  a. Utility Spends of INR 10,000 in a month will not attract any charges as it is below the threshold
  b. Utility Spends of INR 20,000 in a month will attract 1% fee of INR 200 + taxes* as it is above the threshold
  
• Education Fee payment Charges (applicable from 1st October’24 onwards):
  1% fee +applicable GST will be levied on education transactions done through third-party websites and applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped at INR 5,000 per calendar month⁷
  
• Fuel Transaction Charges (applicable from 1st October’24 onwards):
  1% fee + applicable GST will be levied on every fuel transaction of value greater than INR 10,000. Total Fuel Transaction charges will be capped at INR 5,000 per customer per calendar month⁸
  Illustration:
  a. Fuel Transaction of INR 9,000 will not attract any charges as it is below the threshold
  b. Fuel Transaction of INR 20,000 will attract 1% fee of INR 200 + taxes* as it is above the threshold

Offer Details:

About Yes Klick credit card: It is a virtual RuPay-based lifetime-free card offered in partnership with Kiwi. It promises benefits such as 2% cashback on scan & pay UPI, up to 5% cashback on 1.5L spends and complimentary milestone-based airport lounge access.

Yes Bank Klick Credit Card Rewards & Benefits:

Following are the benefits of Yes Bank Klick Credit Card:

UPI Cashback Benefits:

• 2% Cashback on scan & pay merchant UPI spends (for Kiwi Neon membership users)
• Non-Neon membership users get 1% cashback
• Earn 4 YES Reward points for every ₹200 spent on UPI transactions above ₹4000

Non-UPI Transaction Cashback:

• Earn 0.5% cashback on online transactions (non-UPI)
• Earn 2 YES Reward points for every ₹200 non-UPI spendings

Grocery, Food & Entertainment benefits:

Following benefits depends on offer availability so check if offer is still valid:

• Offers 15% to 20% cashback on Zepto max up to ₹75 on minimum order of ₹300)
• Flat ₹100 OFF on Swiggy food delivery on order of ₹299
• Get flat 50% cashback up to ₹100 on DTH bill payment via Kiwi app on minimum order of ₹300
• Flat 100% OFF up to ₹100 on 2nd movie ticket on Zomato District app

Cashback on Utility Bill Payments

• Up to 150 YES Reward points per statement cycle on utilities under MCC 4900 (Utilities-Electric/Gas/Heating Oil/Sanitary/Water)

Fuel benefits:

1% Fuel surcharge waiver up to ₹250 on transactions made via UPI (GST is not waived)

Travel Benefits:

None.

Yes Bank Klick Credit Card Milestone Rewards:

• 3% cashback on eligible spends of Rs.50,000 + 1 lounge access
• 4% cashback on eligible spends of Rs.1,00,000 + 1 lounge access
• 5% cashback on eligible spends of Rs.1,50,000 + 1 lounge access
• Eligible spends is defined as: Total spends on Kiwi minus the spends in exclusion categories minus
  

The Scapia card, a co-branded credit card with Federal Bank, is designed for travelers and offers benefits like zero foreign exchange markup, unlimited domestic lounge access, and rewards on every eligible purchase. It combines Visa and RuPay networks for both online and offline transactions and supports UPI payments. The card has no joining or annual fees and can be managed through the Scapia app, which allows for instant redemption of rewards and bill payments.

 Other Benefits of the Credit Card on Spend

• 10% Scapia Coins on all spend (=2% Valueback)
• 20% Scapia Coins on Travel Spend (flight, bus, train and hotels) = 4% Valueback
• Valueback on all transactions above Rs.20 (except UPI)
• 5% Rewards on UPI Transactions of Rs.500 or more. Its a RuPay card so can be used on UPI = 1% Valueback (I opted for Visa card due to better acceptability for Forex Transactions)
• Only exclusions for rewards are fuel, rent, EMI, e-wallet, Forex transactions, Education, Government payments, Giftcards
• Utility spend get rewards if its less than Rs.20,000 per month
• 1% Fuel surcharge waiver for transactions upto Rs.5,000. Maximum waiver Rs.500 per month

About the RBL Shoprite Credit Card: It’s popular for its grocery benefits and available in RuPay, Visa and Mastercard network. The card has an annual fee waiver on 1.5L spends.

RBL Shoprite Credit Card Rewards & Benefits:

Following are the benefits of RBL Shoprite Credit Card:

Grocery Rewards & Benefits:

• Earn 20 reward points for every ₹100 spent on grocery (5% valueback with each point redeemable at ₹0.25)
• Grocery shopping transactions are identified under MCC 5411, 5422, 5441, 5451, 5499 for cards under Mastercard/Visa network

Rewards on Other Purchases

• Earn 1 reward point for every ₹100 spent on every eligible retail transaction

Movie Tickets & Entertainment benefits:

• Earn 10% discount up to ₹100 on BookMyShow movie tickets (15 times per calendar year)

Fuel benefits:

• Get 1% fuel surcharge waiver max up to ₹100 on fuel purchases between ₹500 to ₹4000

RBL Shoprite Milestone Rewards:

• None except for an annual fee waiver on spends of ₹1,50,000 in a year.

Reward Points Value

Value of 1 RBL Reward Point = Up to ₹0.25 (depends on redemption)

RBL Shoprite Limits & Capping:

• Maximum of 1000 reward points per month can be earned
• 10% Discount on BMS voucher is available only 15 times per calendar year
• For Rupay-based cards, offline transactions under ₹2000 made on small merchants (>20L turnover) will not be eligible for rewards or milestone benefits.
• Fuel purchase for an amount more than ₹4000 is not eligible for surcharge waiver.
• No rewards on fuel & auto, utilities, rental, insurance, real estate, railways, wallet and services

The Adani One ICICI Bank Platinum Credit Card offers a range of benefits tailored for frequent travelers and users of the Adani ecosystem. Here's a detailed overview:

Key Benefits:

• Reward Points:
  • Earn 3% Adani Reward Points on spends within the Adani One ecosystem, including Adani-managed airports, Trainman, gas, electricity, and more.
  • Earn 1% Adani Reward Points on all other domestic spends (excluding fuel and rent payments).
  • Earn 1.5% Adani Reward Points on international spends.
  • Earn 0.5% Adani Reward Points on utility and insurance spends.
• Welcome Benefits:
  • Receive a hotel voucher worth ₹1,000 upon card activation.
  • Unlock a flight voucher worth ₹2,000 upon spending ₹10,000 within 60 days of card activation.
• Travel Privileges at Adani-Operated Airports:
  • Enjoy 2 premium lounge upgrades every quarter.
  • Avail 2 valet parking instances per year.
  • Receive 2 premium car parking instances per year upon card activation.
  • Benefit from 4 porter services annually (2 porter services for every ₹1 lakh spent, up to a maximum of 4 per year).
• Airport Lounge Access:
  • Access 8 domestic lounges across various airports, with 2 complimentary visits per quarter.
  • Enjoy premium lounge upgrades at Adani-managed airports.
• Lifestyle Benefits:
  • Get 25% off (up to ₹100) on movie tickets booked through BookMyShow, twice every month.
  • Enjoy a complimentary 3-month EazyDiner Prime membership.
• Fuel Surcharge Waiver:
  • Avail a 1% fuel surcharge waiver on transactions up to ₹4,000 at all petrol pumps.

Fees:

• Joining Fee: ₹750 + GST
• Annual Fee: ₹750 + GST (waived off upon spending ₹3,00,000 or more in a calendar year)

The Adani One ICICI Bank Signature Credit Card is a premium offering designed for individuals who frequently engage with the Adani ecosystem and seek enhanced travel experiences. Key features of this card include:

Reward Points:

• 7% Adani Reward Points: Earned on expenditures within the Adani One ecosystem, including flights, hotels, trains, purchases at Adani-managed airports, transactions via Trainman, and payments for gas and electricity.
• 2% Reward Points: On international transactions.
• 1.5% Reward Points: On other domestic spends, excluding fuel and rent payments.
• 0.5% Reward Points: On utility and insurance payments.

Welcome Benefits:

• Hotel Voucher: A ₹2,000 voucher upon card activation, redeemable on a minimum transaction of ₹20,000. 
• Flight Voucher: A ₹5,000 voucher upon spending ₹25,000 within 60 days of card activation.

Airport Privileges at Adani-Managed Airports:

• Meet and Greet Services: Two complimentary services per year—one upon card activation and another upon spending ₹3,00,000.
• Lounge Access: Four complimentary domestic lounge accesses per quarter, totaling 16 per year, with premium upgrades. Additionally, two complimentary international lounge accesses annually.
• Valet and Premium Parking: Four valet parking services and four premium car parking services annually.
• Porter Services: Up to eight porter services per year, with two services unlocked for every ₹1,00,000 spent, up to a maximum of eight.

Additional Benefits:

• BookMyShow Offer: 50% discount up to ₹500 twice a month on movie tickets.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹4,000 at any fuel outlet.

Fees:

• Joining Fee: ₹5,000 plus applicable taxes.
• Annual Fee: ₹5,000 plus taxes, waived upon spending ₹6,00,000 or more in a calendar year.

This card is particularly beneficial for those who frequently travel through Adani-managed airports and utilize services within the Adani ecosystem, offering substantial rewards and exclusive privileges tailored to enhance the overall travel experience.

The HDFC Bank PIXEL Go RuPay Credit Card is a customizable entry-level credit card designed to offer cashback rewards and flexible payment options. Here are its key features:

Key Features:

• Unlimited Cashback: Earn 1% unlimited cashback on all eligible transactions. 
• UPI Transactions: Receive 1% cashback on all UPI spends when using the RuPay variant of the card. 
• SmartBuy Benefits: Enjoy 5% cashback on purchases made through HDFC Bank's SmartBuy platform. 
• Flexible EMIs: Convert your purchases into flexible, low-cost EMIs, allowing you to manage your expenses conveniently. 
• Interest-Free Credit Period: Benefit from an interest-free credit period of up to 50 days from the date of purchase. 
• Dining Offers: Avail exclusive dining offers with up to 25% discount at partner restaurants via Swiggy Dineout. 
• Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle. 
• 10% Cashback on Dining Spends Via PIXEL RuPay Credit Card UPI Scan & Pay

Fees and Charges:

• Lifetime Free: Limited Period Offer for HDFC Bank customers
• Joining Fee: ₹250 (plus applicable taxes)
  • Waived off if you spend ₹10,000 within the first 90 days.
• Annual Fee: ₹250 (plus applicable taxes)
  • Waived off on spending ₹50,000 or more in the preceding 12 months.

Additional Benefits:

• Customizable Card Design: Choose your preferred card color and billing cycle to match your lifestyle.
• Digital Management: Fully manage your card through the PayZapp app, including setting your PIN, controlling card settings, viewing statements, making repayments, and more.

Application Process:

To apply for the PIXEL Go Credit Card, download or update the PayZapp app from the Google Play Store or Apple App Store. Within the app, navigate to the homepage and tap the "Apply Now for PIXEL Credit Card" banner to initiate your application.

Note: The PIXEL Go Credit Card is available in both RuPay and Visa variants. The RuPay variant offers additional benefits on UPI transactions.

The HDFC Bank PIXEL Play Credit Card is a digital credit card designed for individuals who prefer managing their finances through mobile applications. It offers customizable benefits, allowing cardholders to select rewards that align with their spending habits.

Key Features:

• Customizable Cashback:
  • 5% Cashback: Choose any two brand packs from the following categories:
    • Dining & Entertainment: BookMyShow, Zomato
    • Travel: MakeMyTrip, Uber
    • Grocery: Blinkit, Reliance Smart Bazaar
    • Electronics: Croma, Reliance Digital
    • Fashion: Nykaa, Myntra
  • 3% Cashback: On one selected e-commerce merchant: Amazon, Flipkart, or PayZapp
  • 1% Cashback: Unlimited cashback on all other spends
  • 1% Cashback on UPI Spends: Applicable only for PIXEL RuPay Credit Card holders
  • 10% Cashback on Dining Spends Via PIXEL RuPay Credit Card UPI Scan & Pay
• Digital Management via PayZapp App:
  • Instant digital card issuance
  • Manage card controls, rewards, EMI conversions, statements, repayments, and more
• Pay in Parts:
  • Convert outstanding balances into EMIs with flexible tenures
  • Manage EMIs through the PayZapp app
• Additional Benefits:
  • Dining Privileges: Up to 25% savings on restaurant bills via Swiggy Dineout
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle)
  • Contactless Payments: Supports Tap & Pay and Scan & Pay features

Fees and Charges:

• Lifetime Free: Limited Period Offer for HDFC Bank customers
• Joining Fee: ₹500 (waived on spending ₹20,000 within the first 90 days)
• Annual Fee: ₹500 (waived on annual spends of ₹1 lakh or more)

How to Apply:

1. Download or update the PayZapp app from the Google Play Store or Apple App Store.
2. Click on the "Apply Now for PIXEL Play" banner on the PayZapp homepage.

The Jupiter Edge Rupay Credit Card is a 3-in-1 Card so you can Switch between shopping, travel and dining.

• 2% cashback on fashion, groceries, electronics, flights, trains, hotels, food delivery, restaurants, and more. Thus, it gives Assured 2% cashback
  On either shopping, travel, or dining.
• upto 5% cashback on UPI spends
• Assured 0.4% cashback On all other UPI and credit card spends
• lifetime free
• Scan & Pay any QR to make UPI payments with your Edge CSB Bank RuPay Credit Card
• Get Insights on both UPI and credit card spends so you can track and manage expenses.
• Use the Edge CSB Bank RuPay Credit Card on Jupiter app for everything money: Spend, Track, Save, Invest
• 3.5% Forex Markup Fee on every international transaction
• 3.5% monthly interest rate and 42% annual interest rate on the outstanding amount (Interest charged on purchase transactions if the entire bill amount isn’t paid by payment due date)
• The interest free period could range from 13 to 47 days.
• Personal accident and total permanent disability cover upto Rs.10 Lacs

The Edge CSB Bank credit card is issued by CSB Bank- a scheduled commercial bank, under a cobranded arrangement with Europa Neo Marketing Pvt Ltd. The card is available exclusively on the Jupiter app. 'Jupiter' itself is not a bank and doesn't hold or claim to hold a banking license.

• Lifetime free card
• Low Forex Markup of 1.5%
• Upto 3X reward points on all UPI spends
• 3X Reward Points on Spends till ₹20,000 in a statement cycle
• 10X Reward Points on crossing spends of ₹20,000 in a statement cycle & on your birthday
• offers on 300+ brands
• buy 1 get 1 free movie ticket offer up to ₹250 on Paytm mobile app (valid twice per month)
• Unlimited & never expiring Reward Points
• 1X Reward Points on Insurance premium and Utility bill payments
• Use Reward points to instantly pay for online or in-store purchases
• 3X Reward Points on rental and property management transactions
• 1 Reward point = ₹0.25
• Categories not included in the 10X Reward Points threshold: Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load.
• Reward Points program not applicable on fuel, EMI transactions, & cash withdrawals.
• Reward redemption will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption.
• Best in class Forex mark-up of only 1.5%
• 2 complimentary domestic airport lounge and spa visits and 2 complimentary overseas airport lounge visits per quarter, on spending ₹20,000 every month.
• Up to 2 complimentary golf rounds per month activated post ₹20,000 monthly spends
• Comprehensive Travel Insurance and Air Accident cover
• Interest-free cash withdrawal anywhere in the world (Cash Advance Fee of only ₹199 per transaction)
• 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
• Up to 20% discount at 1500+ restaurants
• Cancellation For Any Reason (CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000, will be available for hotel and flight booking cancellations. 
• 4 Complimentary Railway Lounge visits per quarter
• Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide.
• Airport Transfers - Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries.
• Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities.
• Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others.
• Complimentary Roadside Assistance worth ₹1,399
• 1% Fuel Surcharge Waiver up to ₹400 p.m. at all fuel stations across India on transaction values between ₹200 & ₹5000
• Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10,00,000 and Lost Card Liability Cover of ₹50,000. Valid on doing at least one transaction on FIRST Wealth Credit Card in last 30 days
• Comprehensive Travel Insurance Cover of USD 1200
• 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
• Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)