100% Cashback Offer on Axis Bank Supermoney RuPay Credit Card

• You can receive a 100% cashback (capped at INR 500) upon doing a credit card on UPI transaction on Flipkart using the Axis Bank super.money Rupay Credit Card through the super.money app.
• This offer is not valid if you transact on Flipkart by entering credit card details including CVV and OTP.
• This offer is only valid once per card and only on the first successful non-cancelled and non-returned transaction during the offer period.
• Cash-back applicable on both (Non-EMI and EMI transactions)
• Cash-back to be posted in T+7 days on the super.money app (where T is date of the transaction)
• 3% Cashback for UPI Spends Via SuperMoney. 
• 1% Cashback on All Other Qualifying Spends (Maximum Cashback - ₹500 Per Statement Cycle)
  

• 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

• Save up to ₹18,500 annually i.e. 175+ litres of free fuel
• Joining Fee: ₹499 | Annual Fee (2nd year onwards): ₹499
• Annual Fee waived off on spends of ₹1,50,000 or more in a year
• Lifestyle Privileges
• Get rewarded for every UPI transaction (same rewards)
• Interest-free credit period on UPI
• Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
• 0% Interest on ATM Cash Withdrawals until due date
• Up to 6.5% savings on your fuel expenses
• 5% savings as Rewards on Grocery & Utility expenses
• 5% savings as Rewards on IDFC FIRST FASTag recharge
• 3X Rewards on other retail transactions
• ₹500 cashback on 1st HPCL fuel transaction of ₹500 or above
• 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion
• ₹1000 discount on Zoomcar rentals
• Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
• Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of ₹20,000
• Complimentary Roadside Assistance worth ₹1,399
• 25% off on movie tickets up to ₹100, once every month
• Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000
• Extend Add-on card to your co-passenger & boost your savings without any extra charges
• Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
  
• Reward Points never expire
• Offers from Swiggy, Zomato, Domino's Pizza, Marriott, Belgian Waffle, Mahesh sea food specialty, Fly High, Oppo, Yatra, Dunzo Daily, Vijay Sales, Croma, more.

Lifetime Free IDFC Millenia Credit Card Benefits

The IDFC First Millenia Credit Card is a lifestyle credit card that offers many reward points as its main attraction. For instance, you get 10X reward points on incremental purchases done above ₹20,000 per month and on all purchases done on your birthday. Along with this reward points booster, you get many others with the IDFC Millenia Lifetime Free Credit Card, which is why it is one of the best lifetime-free credit cards out there. Let’s take a look at all IDFC Millenia First Credit Card benefits:

• 10X reward points on incremental purchases above ₹20,000 per month and on all spends on your birthday.
• 6X reward points on online spends of up to ₹20,000 per month.
• 3X reward points on offline spends of up to ₹20,000 per month.
• Unlimited reward points that do not expire.
• Use reward points to pay online and offline.
• Welcome voucher worth ₹500 if you spend ₹15,000 or more within the first 90 days of getting the IDFC Millenia Credit Card.
• 5% cashback of up to ₹1,000 on the first EMI done within a month of getting the card.
• Get a 25% discount of up to ₹100 on movie tickets booked on the Paytm Mobile App once per month.
• 4 complimentary railway lounge visits every quarter.
• ₹1,399 worth of complimentary roadside assistance.
• Get a fuel surcharge waiver of 1% at all fuel stations in India, with a max cap of ₹200/month. (On transaction values between ₹200 to ₹5,000)

IDFC First Millenia Credit Card Charges

Given below is a breakdown of all the IDFC Millenia Credit Card Charges:

• No Annual or Joining Fee, a completely Lifetime Free Credit Card.
• Interest Rate: 0.75% to 3.5% per month / 9% to 42% per annum
• Interest-Free Cash Withdrawals at domestic and international ATMs for up to 48 days.
• Cash Advance Fee: ₹199 per transaction
• Overlimit Charges: 2.5% of the over-limit amount with a minimum charge of ₹500.
• Late Payment Fee: 15% of the total due amount, with the minimum charge being ₹100 and the maximum charge being ₹1,250.
• Forex Markup: 3.5%

The ICIC Platinum Chip Credit Card is the most basic lifetime free credit card you would find. Being extremely easy to apply for, this lifetime free credit card offers decent reward points and some merchant offers. It might not be the best credit card out there, but if you prefer ICICI bank’s service or if for some reason you want an ICICI lifetime free credit card, then the Platinum Chip CC should be your first choice. Also, this LTF credit card makes an excellent entry-level cc for all beginners.

• Exchange your Reward Points for movie tickets, travel vouchers, lifestyle products, and other branded products.
• Get discounts of up to 15% on dining bills at more than 2,500 restaurants nationwide.
• 1% Fuel Surcharge Waiver on Hindustan Petroleum fuel pumps on transactions of up to ₹4,000.

The ICICI Bank Coral RuPay Credit Card is surely one of the better RuPay cards out there. Not only does it come with some amazing perks, but its annual and joining fees aren’t much either. Moreover, this RuPay credit card, like every other RuPay credit card, makes the use of UPI very easy for all cardholders. The ICICI Coral Credit Card is a lifestyle card that offers decent reward points, airport lounge access, discounts on movie tickets, and much more.

• Get 1 Reward Point on every ₹100 spent on utilities and insurance payments.
• 1 Complimentary airport lounge access per quarter.
• 1 Complimentary domestic railways lounge access.
• Get a 25% discount of up to ₹100 on BookMyShow and INOX.
• ₹2 Lakh worth of personal accident insurance cover.
• 24 x 7 concierge services
• Get 2000 reward points for spending ₹2 Lakh or more in a year.
• Get 1000 reward points every time you spend ₹1 Lakh after getting those 2000 reward points. (Max Cap is 10,000 reward points per year)
• Spend ₹1,50,000 or more to get an annual fee waiver.
• APR: 40.80%
  

• 10% accelerated cashback on all dining, food delivery and grocery spends (capped up to INR1,000 per billing cycle)
• 1.5% unlimited cashback on all other spends (exclusions apply)
• 4 complimentary domestic lounge visits per year (1 per quarter)
• Annual membership fees of 999 will be reversed if your total annual spend exceeds 2,00,000
• Buy-one-get-one-free movie tickets on Saturdays (Up to 250) on BookMyShow
• The cashback which is received will be credited to your credit card within 45 days of the card statement date.

• Free Epicure membership with offers and benefits across Taj hotels
• Taj Experiences gift card worth ₹12,000
• Complimentary EazyDiner Prime annual membership
• Metal credit card
• Forex Markup as Low as 0.99% – everywhere, with no terms and conditions
• 1:1 redemption for 20+ airlines, and for Apple products with Imagine vouchers
• Enjoy unlimited airport lounge access in India and internationally and 8 international guest visits
• Earn 3 Reward points for every INR100 you spend – plus, your points will never expire
• buy one, get one offers from BookMyShow
• Get 30% off your bill with EazyDiner (up to INR1,250)
• Access to over 850 airport lounges in India and overseas
• International Travel Insurance
• Learning offers with our global partners including British Council, Yousician, eDX
• Overseas Education assistance offers with the University Guys