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Regalia is no longer sourced for new applications. This review covers the legacy card held by existing customers, not Regalia Gold.
Eligible retail spending only, using ₹1/point travel redemption value, not statement cashback. Assumes individual transactions qualify for ₹150 earning blocks. Utility caps use a calendar month; the overall cap uses a statement cycle. The aggregate scenario assumes spending lies within both periods; it cannot track overlapping statements. Transaction remainders, redemption charges and booking co-payment requirements are not simulated.
Statement-credit value before the ₹50 redemption fee and applicable tax. Uses calendar-month settlement, not the statement cycle; the issuer identifies the ten merchant MIDs, and refunds/reversals adjust CashPoints. SmartBuy/PayZapp has separate 1% base rules. Fuel, rent, government, EMI, wallet loading, cash, fees and third-party education are excluded. No minimum transaction value is stated in the current card-specific reward terms; aggregate estimates do not model transaction-level rounding or settlement-date shifts.
Applications for this legacy Diners Black variant are not currently accepted. Diners Black Metal is a different product; existing-holder calculations here must not be used to recommend a new card.
HDFC is phasing out this original variant and migrating eligible holders in stages to ORNGE or BLCK. Your bank communication sets your migration date and offer; these estimates describe the original card before migration.
Voucher-equivalent value, not cash paid to your bank account. ₹500 Amazon voucher / 2,000 points = ₹0.25 per point. This is one illustrated catalogue choice, not a universal point value; Swiggy is listed at 10X in the card-specific reward terms, but actual eligibility depends on merchant identification and channel rules.
5% on eligible online and 1% on eligible offline (POS) purchases. From 1 April 2026: separate ₹2,000 online and ₹2,000 offline caps, ₹4,000 combined per statement cycle. Cashback accrues by transaction posting/settlement date, is credited within 2 working days after the next statement generation, and returns/reversals can be debited. Utility, insurance, fuel, rent, wallet, education, jewellery, railways, merchant/Flexipay EMI and issuer-listed MCCs are excluded; digital gaming, tolls and government MCCs were added in April 2026. ₹999 joining/renewal; renewal reversed at ₹2L+ eligible spend in preceding year.
This is an invite-only programme; application availability and approval are determined by Amazon and ICICI Bank.
2 Reward Points/₹100 retail spend; 1 point/₹100 utility and insurance spend. Points are redeemable through ICICI Rewards; value varies by redemption and is not a fixed cashback rate. Eligible HPCL fuel surcharge waiver requires a ₹400–₹4,000 transaction on an ICICI Merchant Services terminal; this is not fuel reward earning. MITC eligible-spend ceilings per statement cycle: utilities and insurance ₹40,000 each, grocery/departmental stores ₹20,000, and transportation ₹10,000. These are spend ceilings, not cashback limits. Reward value depends on the selected redemption; no fixed cash conversion is modelled.
2 points/₹100 domestic, 4/₹100 international, and 1/₹100 utility/insurance eligible spending. Catalogue redemption is not a universal cashback value. Milestones: 4,000 points at ₹4L, then 2,000 for each further ₹1L, up to 20,000 points/anniversary year. Golf: one round/lesson per ₹50K previous-calendar-month eligible retail spend, maximum four/month. MITC eligible-spend ceilings per statement cycle: utilities and insurance ₹80,000 each, grocery/departmental stores ₹40,000, and transportation ₹20,000. These are spend ceilings, not cashback limits. Reward value depends on the selected redemption; no fixed cash conversion is modelled.
ICICI lists points per spend but redemption value varies by reward and category. Do not treat these points as a fixed cashback rate. Forex markup and dynamic currency conversion charges are separate costs.
Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
Illustrative broad-category estimate assumes each rupee qualifies and applies the published percentage before per-transaction rounding. Actual accelerated eligibility depends on Google Pay for Android or the named merchant's MID; transaction rounding, returns and reversals can change credited cashback.
Axis states 1 EDGE Mile = ₹1 for its listed programme, but Miles cannot be encashed. Portal redemptions cost ₹99 per transaction; partner transfers cost ₹199 and conversion/availability vary. Annual tier Miles require payment of the ₹5,000 + GST fee (Gold 2,500; Platinum 5,000); milestone Miles are 2,500 at ₹3L, another 2,500 at ₹7.5L and another 5,000 at ₹15L in qualifying anniversary-year spend. Exclusions apply.
AU LIT features are optional and feature-specific pricing applies for their 90-day duration. The bank says features may auto-renew; manage renewal in the AU app. Check each feature's live fee and terms before opting in.
₹1/point issuer redemption route; total earn limited to 25,000 points per statement cycle. No welcome/milestone benefits included. Per-redemption handling charges and per-₹100 transaction rounding are not subtracted; this is gross reward value, not net savings.
Points valued at ₹0.25, before ₹99 + GST per redemption. Assumes eligible transactions meet the ₹200 earning block and total cycle spending stays within the credit limit; spend beyond that limit earns no points. Aggregate estimates do not simulate per-transaction block rounding. Fuel, EMI, cash withdrawals, fees and charges are excluded.
Reward earning is tiered by monthly spend and category; 1 point is worth ₹0.25. A ₹99 + GST redemption fee applies. IDFC FIRST also advertises bonus points on eligible flight and hotel bookings through its app; check the live offer terms.
The issuer lists cashback redemption at ₹0.25 per Reward Point. This is a stated redemption route, not a flat return on all spending: accelerated spend is capped, select MCCs are excluded and fuel earns no points.
For billing cycles commencing September 2026: 2% on eligible purchases after at least ₹15,000 eligible cycle spend. Overall cashback ₹500/cycle, UPI sub-cap ₹200 and ₹100 per individual transaction. UPI must use Kotak811 app. Fuel, wallets, rent, cash withdrawals, EMI, gaming, gold and listed MCCs are excluded. Account/payment-channel eligibility, claim and reversal conditions apply.
Illustrative maximum catalogue value of ₹0.25/point, not statement cashback. Assumes eligible retail MCCs; point rounding and redemption charges are not modelled.
Earn 1% base cashback on eligible other spend. Airtel Mobile/Broadband/WiFi/DTH bill payments through Airtel Thanks earn 25%, capped at 2× the base cashback earned in that statement month; other Airtel Thanks utility bills earn 10%, capped at 1× base cashback. These app benefits require eligible merchant IDs/UPI VPAs; active Airtel connections are required for Airtel bill cashback. Zomato, Blinkit and District Movies provide separate 10% partner-wallet value back, up to ₹200 per partner/month; Zomato/Blinkit orders require ₹499 minimum, app/website checkout and card payment (UPI is ineligible). Wallet value back is not statement cashback. Utility/telecom payments outside Airtel Thanks, fuel, rent, wallet, jewellery, insurance, education, government, gift cards, tolls/road fees and EMI transactions earn no cashback. Cashback rounds down per transaction; returns and reversals adjust it.
Eligible online card-not-present purchases (excluding travel MCCs and all listed excluded MCCs) earn progressive statement-month cashback: 2% on the first ₹5,000 net spend, 5% on the next ₹35,000, then 7%; total accelerated cashback is capped at ₹4,000 per statement month. Eligible offline POS and issuer-defined travel earn uncapped 0.75%; eligible utility MCCs 4816, 4899 and 4900 earn 0.5% up to ₹100 per statement. Telephone MCC 4814 is classified by payment channel. Cashback is rounded down per transaction/category and credited to the next statement; reversals, EMI conversions and excluded MCCs affect eligibility.
The Horizon terms specify different redemption routes (Travel EDGE bookings, catalogue and partner-mile transfers); minimum redemption and current conversion/availability conditions apply. EDGE Miles should not be treated as cash or statement credit.
Best value through airline/hotel transfer partners at 5:2 ratio. Catalog redemption at ₹0.20/point gives lower effective rate.
4 EDGE Reward Points/₹200 on eligible purchases. Axis directs customers to its EDGE Rewards catalogue and lists a redemption fee, but these sources do not establish one universal point-to-rupee or statement-credit value. No cash-value estimate is enabled.
1 EDGE point/₹200 on eligible spends; this is a points earn rate, not 0.5% cashback. Conditional merchant discounts are separate from points.
Illustrative voucher value only: Axis values the 10,000-point milestone at ₹2,000 against its listed rewards. Ordinary points are not statement cashback; the aggregate model assumes eligible ₹200 earning blocks and does not simulate transaction-level rounding. Redemption fees are excluded; welcome and milestone points are not included.
4% value back at IOCL on eligible ₹400–₹4,000 transactions and up to ₹5,000 monthly spend; 1 EDGE Reward Point/₹100 base eligible spend; accelerated online points separately capped
2 SuperCoins/₹100 on other eligible spends; additional Flipkart earn varies by Flipkart Plus status (12/₹100 Plus, 6/₹100 non-Plus; transaction limits); SuperCoins are not rupee cashback
10% Swiggy app (₹1,500/cycle); 5% eligible online (₹1,500/cycle); 1% other eligible (₹1,000/cycle). Limited-time Cleartrip/Nykaa discounts are separate from cashback.
Cashback is statement credit, not Swiggy wallet money. The advertised ₹500 fee is for priced cards; the September terms list a lifetime-free offer for applications through Swiggy from 1 July 2026. Confirm the offer on your application or migration notice; do not assume every issuance channel is free.
NeuCoins redeem within the Tata Neu ecosystem, not as unrestricted cash. Transaction rounding and exclusions apply.
Eligible purchases accrue in ₹100 transaction blocks; aggregate estimates do not round each purchase. Assumes spending within one calendar month and one statement cycle; separate NeuPass promotions are not added. Utility/calendar and overall/statement-cycle ceilings are different periods.
Eligible retail spending only, using ₹0.25/point catalogue/travel redemption value, not statement cashback. Assumes individual transactions qualify for ₹200 earning blocks. Utility caps use a calendar month; the overall cap uses a statement cycle. The aggregate scenario assumes spending lies within both periods; it cannot track overlapping statements. Transaction remainders, redemption charges and booking co-payment requirements are not simulated.
CashPoints redeem against the statement balance, not automatically into the Paytm wallet. Statement redemption capped at 3,000 points/calendar month; travel redemption has a separate 50,000-point limit. Selected product redemptions require at least 30% cash co-payment. Verify the current redemption handling charge.
1 CashPoint = ₹0.15 for statement/travel redemption; base arithmetic is 0.075%, not the old 0.5%. Statement redemption requires 3,334 points and a ₹50 fee; catalogue handling costs ₹99 plus tax. Travel points cover up to 50% of a booking; points expire after two years. Per-₹200 transaction rounding and cap eligibility matter.
Statement-credit value is ₹1/point; catalogue and cashback processing fees are waived in the September MITC. Reward points normally expire after two years. The September MITC describes two domestic visits/quarter plus two extra after ₹75,000 preceding-quarter eligible spend (extra visits exclude the issuance quarter); the product page and linked April lounge terms instead describe two spend-qualified visits/quarter. Neither conflicting allowance is counted as a confirmed benefit in comparisons.
2 Reward Points/₹100 domestic eligible spend and 4/₹100 international spend; utility/insurance earn 1/₹100. Fuel earns no points (eligible fuel-surcharge waiver applies). Redemption value depends on catalogue; issuer lists 2 domestic lounge visits/quarter, 8 railway lounge visits/year, and spend-based lounge/movie terms. Golf: one round/lesson per ₹50K eligible retail spending in the previous calendar month, maximum two/month. Anniversary milestones: 3,000 points at ₹3L, then 1,500 for each further ₹1L, up to 15,000 points/year. MITC eligible-spend ceilings per statement cycle: utilities and insurance ₹80,000 each, grocery/departmental stores ₹40,000, and transportation ₹20,000. These are spend ceilings, not cashback limits. Reward value depends on the selected redemption; no fixed cash conversion is modelled.
Eligible myCash earning excludes rent, cash advances, fees, EMI, balance transfers and personal loans. myCash cannot be transferred to a bank account. Utility/insurance MCC earning is not established by this general retail model.
HPCL fuel: 4% cashback, maximum ₹200/month, plus a separate 1% surcharge waiver for ₹400–₹4,000 eligible purchases. HP Pay adds 1.5% Happy Coins, not bank-account cashback. Eligible utility, grocery and departmental-store purchases earn 20 points/₹100, sharing 400 points/month; other eligible retail earns 2 points/₹100. Catalogue point value is redemption-specific, so 400 points must not be described as ₹400 cashback. Insurance eligible-spend ceiling: ₹40K per statement cycle; transportation ₹10K. Roadside assistance requires paid joining/annual membership and activation; delivered fuel is charged at actual cost.
HPCL fuel: 2.5% cashback, maximum ₹100/month, minimum qualifying purchase ₹500, on any bank POS. Separate 1% surcharge waiver requires ₹400–₹4,000 on an ICICI Bank POS; HP Pay wallet loads do not qualify. Primary/add-on spend is combined and posting dates determine the statement receiving cashback. Other retail earns 2 points/₹100; product-specific terms list 1 point/₹100 on utility, grocery, telecom, government/tax and departmental-store spending. These points are catalogue rewards, not fixed cashback. Utility/insurance eligible-spend ceilings are ₹40K each, grocery/departmental ₹20K and transportation ₹10K per statement cycle in the MITC.
2 reward points/₹100 eligible retail spending; 1 point/₹100 utility and insurance spending. Rewards redeem through the issuer catalogue. Eligible HPCL fuel transactions from ₹400 to ₹4,000 receive a 1% surcharge waiver; the waiver is not points earning. MITC eligible-spend ceilings per statement cycle: utilities and insurance ₹40,000 each, grocery/departmental stores ₹20,000, and transportation ₹10,000. These are spend ceilings, not cashback limits. Reward value depends on the selected redemption; no fixed cash conversion is modelled.
25 Reward Points/₹100 on eligible BPCL fuel (maximum 2,500 points per billing cycle); 10X on dining, movies, grocery and departmental stores (maximum 7,500 points/month); 1 point/₹100 on other eligible retail. SBI lists 4 points = ₹1 for eligible fuel redemption. The welcome benefit is 6,000 points after joining-fee payment under issuer terms. A separate 1% BPCL surcharge waiver has its own transaction and cycle limits. SBI's current lounge programme lists Octane in Set A; the current public list does not restate this card's visit quota.
1 point = ₹1 for statement credit or eligible vouchers; issuer reward terms say no redemption fee. Posting date and app merchant identifiers determine accrual.
Generic inputs use the 1.5% base-tier rate only as descriptive context; the public estimate stays disabled. NeuCoins redeem within eligible Tata Neu channels, not as cash.
This is statement cashback, not Reward Points; eligible cashback is credited to the SBI Card account. Returns and EMI conversion may reverse it.
Eligible Titan non-jewellery brands: 7.5% benefit capped at ₹10,000/quarter; Mia/Caratlane/Zoya: 5%, separate ₹10,000/quarter; Tanishq: 3% restricted voucher benefit capped ₹25,000/quarter. Other eligible spending earns 6 points/₹100, capped at 6,000 points/month; utilities, fuel, rent, wallet and EMI are excluded. Points redeem for restricted Titan vouchers, not cash.
Voucher-equivalent ₹0.25/point before redemption charges; transaction rounding and excluded categories can reduce earning.
10 points/₹100 eligible dining, travel and international spending, sharing a 2,000-point statement-cycle ceiling; then 2 points/₹100. Statement-credit value ₹0.25/point. Welcome 500 points requires ₹5,000 spend within 60 days. Fuel is excluded.
Points valued at ₹0.25, before ₹99 + GST per redemption. Assumes eligible transactions meet the ₹200 earning block and total cycle spending stays within the credit limit; spend beyond that limit earns no points. Aggregate estimates do not simulate per-transaction block rounding. Fuel, EMI, cash withdrawals, fees and charges are excluded.
1X = 1 Reward Point/₹150; 5X below ₹20,000 cycle spend and up to 10X on incremental spend above ₹20,000. Travel & Shop app bonuses: 30X hotels / 15X flights. Up to ₹0.40/point on eligible app travel redemptions; ₹0.25 standard value.
30 Reward Points/₹150 on HPCL fuel, groceries, utilities and IDFC FASTag; 3 points/₹150 on other retail spends. Point value and savings depend on redemption. ₹499 joining/annual fee; annual fee waived at ₹1.5L eligible annual spend.
Eligible domestic Federal Visa transactions of ₹20 or more; aggregate estimates assume each transaction qualifies. RuPay has separate ₹500 eligibility. Foreign currency, insurance, utilities, telecom, education, wallets, rent, fuel and other excluded MCCs earn no Coins. Transaction rounding is not simulated.
10% cashback on eligible dining, food delivery, grocery, shopping and utility MCCs, capped at ₹1,200/month combined. Amazon, Flipkart and Myntra shopping earn 1.5%, not 10%; foreign-currency spends earn no cashback. Most other eligible domestic spends earn 1.5%. Cashback is credited within 45 days of the statement date; reversals/cancellations can recover credited cashback. ₹999 joining and annual fee; renewal reversed after >₹2L anniversary-year spend.
4 reward points/₹100 on travel, travel aggregators and foreign-currency spends; 2 points/₹100 on other eligible spends · 10,000 bonus points at ₹12L annual spend · Points transfer to travel partners
Reward points are not cash and cannot be redeemed as statement credit. The current issuer lists multiple gift-card, merchandise, airline and hotel routes; conversion/value varies by the selected reward. Points expire on a rolling three-year schedule. Review the redemption displayed in the HSBC app before valuing them.
Monthly milestone cashback up to 3% (eligibility depends on total spend); ₹749 annual fee, waived from year 2 at ₹2L previous-anniversary-year retail spend
The co-brand page lists 5 Reward Points/₹200 on eligible online, offline and QR-UPI purchases. AU's marketing uses a different headline illustration; no universal cash percentage is assigned. International purchases earn no points. The member agreement limits ixigo/LIT earning to 10,000 points per statement cycle and has category exclusions/reduced earn. Travel offers are separate discounts.
1 Kiwi = ₹0.25, redeemable to the linked account in multiples of 500 Kiwis after accumulating at least 500. See the rewards policy for excluded MCCs, issuance-date differences and credit-limit-based monthly ceiling. Neon/Boost are separate memberships, not this free-plan baseline.
YES BANK June 23, 2026 MITC lists the standard Uni variant with no joining fee, ₹499 annual fee and ₹50,000 preceding-12-month waiver. Uni RuPay Virtual is a separate zero-fee row. Uni now markets GoldX and digital-gold rewards; its general landing page does not establish the same reward table or redemption route for this standard YES BANK variant. The same MITC exempts Uni from issuer foreign-currency and dynamic-currency conversion charges; merchant conversion rates and ATM costs are separate. Eligible non-UPI fuel surcharge waiver is capped at ₹500 per statement cycle, for transactions up to ₹7,500; surcharge tax is not waived.
Current slice UPI credit-card page advertises up to 3% cashback, no joining/annual fees and zero forex charges. The historical Slice-points valuation is not applicable to this current product record. Detailed cashback eligibility, caps and offer allocation are not established by the landing page.
Roarbank lists a lifetime-free RuPay credit card with UPI support. Up to 20% cashback applies to selected categories that change monthly; it is not a published 1% reward on every purchase. Cashback is adjusted against the card balance.
Choose either cashback or CSB Jewels on eligible spends: shopping earns 10% cashback or 50x Jewels; eligible travel-platform spends earn 5% or 25x Jewels; other eligible spends earn 1% or 5x Jewels. Category and merchant caps apply. Current KFS lists ₹999 joining fee and no annual membership fee.
RBL publishes 5 reward points/₹100 on eligible travel and 2 points/₹100 on other eligible domestic spends. Zero foreign-currency markup. Welcome MakeMyTrip voucher ₹3,000 after an eligible purchase within 30 days and payment of the membership fee. RBL currently lists ₹3,000 annual fee; point redemption value and exclusions should be checked in the current terms.
10 Zen Points/₹150 on eligible shopping and 5/₹150 other eligible spends, with a shared 6,500-point billing-cycle cap. Utility eligible spend is limited to ₹50K/cycle; education/insurance to ₹70K and government to ₹40K. Fuel, wallet, rent, skill-based gaming and EMI are excluded. ₹1,500 joining/renewal fee; renewal waiver at ₹1.5L retail spend.
Illustrative gross value assumes ₹1 per Reward Point through the issuer's stated redemption value, not cash. Most eligible MCCs earn 5 points/₹150; issuer-listed utility, supermarket, insurance, property-management, school and government MCCs earn 3/₹150. The aggregate model does not simulate transaction-level ₹150 block rounding. Fuel earns none; merchant coding and redemption rules apply.
Other modelled categories assume eligible offline transactions in one statement cycle, sharing ₹500. Online transactions use a different bucket; cashback shown is accrued value before the redemption minimum.
The issuer page reports a temporary pause in new applications. Existing-holder benefits and new-card availability are separate.
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