• 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.

The SimplyCLICK SBI Card is for online spends as you get 1.25% to 2.5% reward rate (10X) instead of 0.25% for offline spends. 

• Get Amazon gift card worth Rs.500 on payment of Annual Fee of Rs. 499 + taxes as a welcome benefit.
• Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra
• Earn 5X Reward Points on all other online spends
• e-Vouchers (Cleartrip/Yatra) worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively
• 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
• Spend Rs 1,00,000 and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
• Annual Fee (one time): Rs. 499
• Renewal Fee (per annum): Rs. 499 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs.1,00,000
• Add-on Fee (per annum): Nil

The CASHBACK SBI Card is worthy if your online shopping spends are high because you will earn cashback which can be used on next transactions.

• 5% Cashback on online spends without any merchant restriction
• 1% Cashback on offline spends
• Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation
• Reversal of Renewal Fee on annual spends of Rs.2 Lakh
• 1% Fuel Surcharge Waiver across all petrol pumps in India*
• Joining Fee (one-time): Rs. 999
• Renewal Fee (Per Annum): Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
• Cashback not applicable on Merchant EMI & Flexipay EMI transactions and on following categories: Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways etc.
• You can use your CASHBACK SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your CASHBACK SBI Card
• Transfer the outstanding balance of other banks’ credit cards to your CASHBACK SBI Card, and avail a lower rate of interest and pay back in EMIs

The IRCTC HDFC Bank Credit Card is useful for travellers using IRCTC for train tickets, air tickets, trips, and meal booking as it gives 5X rewards.

• 5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect App

• 1 Reward Point for every INR 100 spent on all other spends
• Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
• 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
• 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of INR 1,000 per statement cycle)
• 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of INR 400 & maximum transaction of INR 5,000. Maximum waiver of INR 250 per statement cycle)
• Welcome Gift voucher worth INR 500 on card activation by performing 1 transaction of any amount within first 37 days of card issuance
• Gift voucher worth INR 500 on quarterly(every 90 days from the issuance date) spends of INR 30,000 or more
• The redemption against the train ticket booking at the rate of 1 Reward Point = INR 1 on HDFC Bank SmartBuy Reward Points will lapse on expiry of two years from the date of issuance.
• Redemption can be made only against 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.
• Reward Points can be used only for redemption against I train ticket booking via HDFC Bank SmartBuy.
• A minimum of 100 Points are needed to be redeem rewards
• Joining/Renewal Membership Fee – Rs. 500 + Applicable Taxes. Spend INR 1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.
• Maximum of 500 reward points can be earned in a calendar month on UPI spends through IRCTC HDFC Bank Credit Card.

The Marriott Bonvoy HDFC Bank Credit Card is definitely rewarding for Marriott Hotels in India and around the World. This Hotel credit card also has good travel benefits, and comes in the premium cards category for Hotels. It promises up to 4 Free Night Awards and ₹1,71,600 yearly savings.

Marriott Bonvoy HDFC Bank Credit Card Benefits

• 1 Free Night Award (up to 15,000 Points) as welcome gift and on card renewal. Make a note that Certain hotels can levy resort fees.
• Complimentary Marriott Bonvoy Silver Elite Status
• Each calendar year you will receive 10 Elite Night Credits to use towards the next level of Marriott Bonvoy Elite status
• Accelerated Rewards:

• Earn 1 additional Free Night Award when you reach ₹6 lakh, ₹9 lakh, and ₹15 lakh spend thresholds each within your Card anniversary year.
• Airport lounge access (12 domestic and 12 international lounge visits annually)
• Membership in the Golf Program (2 times per quarter)
• Access to concierge services.
• Foreign Currency Markup: 3.5% on all your foreign currency spends
• Insurance

The Swiggy HDFC Bank Credit Card is a cashback reward card specially for Swiggy orders. It has got normal credit card benefits as well. If you are a food lover then this card is for you! It promises up to ₹42,000 savings per year! For instance, on a monthly basis if you spend ₹5000 on Swiggy (food & beverages, groceries, personal care, essentials), ₹3000 on online platforms, and ₹4000 offline then you will get ₹8,280 cashback in a year.   

Swiggy HDFC Bank Credit Card Benefits

• 10% cashback (‍Up to Rs 1500 per month) on Swiggy spends (Across ordering food, dining out, groceries and more) in addition to the regular offers & discounts!
• 5% cashback (‍Up to Rs 1500 cashback per month) on online spends (BookMyShow, Amazon, Myntra, Ola, Flipkart, etc.)
• 1% cashback (‍Up to Rs 500 per month) on other spends (offline spends and other food, grocery & dining apps)
• FREE 3 month Swiggy One membership (Enjoy free deliveries & extra discounts on Food, Instamart, DineOut & more) worth ₹1199 Complimentary with Swiggy HDFC Bank credit card (after card activation). 
• ‍Premium golf club access worldwide: 12 free golf lessons/year in India
• Free stay & dine: One night & one dines free at select Mastercard partners globally
• Agoda discounts: Up to 12% instant discount on worldwide hotels on Agoda
• Enjoy a wide range of Mastercard World benefits (Gloria Jean's Coffees Maldives, Universal Studios Singapore, Expedia, more) with this card
• Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase

Swiggy HDFC Bank Credit Card Fees and T&Cs

• Joining fee ₹500
• Annual renewal fee ₹500 (waived-off for annual card spends over ₹2 lakhs)
• Cashback exclusions
  From any cashback: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends
  From 5% cashback: Flight, hotel bookings & others
• Monthly cashback limit
  On 10% cashback spends: ₹1500/month
  On 5% cashback spends: ₹1500/month
  On 1% cashback spends: ₹500/month

Earn up to 2 Reward Points on every INR 100 spent

Extra 2000 Reward Points on spending 30,000 (excludes dining spends) every 90 days 

Instant redemption of Reward Points against restaurant bills for extra

3 months EazyDiner Prime membership worth ₹1095. GUARANTEED 25% up to 50% OFF at over 2000+ premium restaurants & bars

3 month Prime membership renewal upon spends of 30,000 in 90 days

Extra instant 20% OFF upto INR 500 every time you book and pay on the EazyDiner app

Prime-exclusive benefits like 2X EazyPoints and redeem them for FREE luxury hotel stays & FREE meals

500 welcome bonus EazyPoints

LTF card (Life-Time Free) with no joining fees and no annual fees

1% fuel surcharge waiver across all fuel stations in India

• 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

• 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.

• Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome benefits (spend Rs. 1 Lakhs and above within 90 days of card issuance)
• ₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
• ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
• 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!
• Complimentary lounge access at over 1000 airports
• 4 Reward Points on every Rs.150 spent (On retail spends)
• Earn 20 Reward Points on every Rs.150 retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa!
• Zero Lost card liability
• 2% Foreign Currency Markup 
• Revolving Credit
• exclusive 24/7 Concierge Services
• 12 complimentary access within India (both at domestic and international terminals)
• Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
• up to 7.5% savings on all your restaurant bill payments via Swiggy Dineout (20k+ restaurants)
• Get ₹ 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter.
• Get ₹ 5,000 worth flight vouchers when you spend Rs. 5 Lakhs spends in an anniversary year
• Get additional ₹ 5,000 worth flight vouchers when you spend Rs. 7.5 Lakhs spends in an anniversary year
• Spend Rs. 4 Lakhs in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.
• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: up to Rs. 15 lakhs
• Credit Liability cover: Up to Rs. 9 Lakhs