Spends · category 15 of 15
Which credit cards still earn on EMI conversions / merchant EMI — September 2026
Of the 1119 cards on the desk, 243 publish a rule for EMI conversions / merchant EMI — and 9 of those still earn full rewards. The rest: 234 earn nothing. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for EMI conversions / merchant EMI spends in India?
Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on EMI conversions / merchant EMI — the best rate of any card with a published rule here. 243 cards publish one, 234 of which earn nothing at all.
issuer flag, not MCC · 243 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of EMI conversions / merchant EMI returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Unity Bank BharatPe Credit Card
Earns the full 2%, and on this card that is the ONLY way most spend earns at all — the MITC converts every billing period's unpaid spends above ₹1,000 into an instalment plan automatically, and "Zillion Coins (4 Zillion Coins = ₹1) are earned as a percentage of BPUS proportionately upon repayment of the corresponding EMIs". The inverse of the board, where an EMI conversion forfeits the points. Two edges cut the other way, though — foreclose a plan and "the Rewards (Zillion Coins) corresponding to the foreclosed amount will be forfeited", and pre-pay the unbilled amount to dodge the 24% APR and that spend leaves BPUS, so it earns nothing either
2.00% full earn - 02 Standard Chartered Rewards
EMI-converted transactions still earn, which is the opposite of most of this board — SC's FAQ confirms it rather than staying silent
0.67% full earn - 03 IDBI Bank Winnings
2 Delight Points per ₹100 — IDBI's exclusion annexure is MCC-based and names no EMI flag, and the MITC's own EMI clause is silent on point accrual
0.50% full earn
Every card with a published rule
243 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%, and on this card that is the ONLY way most spend earns at all — the MITC converts every billing period's unpaid spends above ₹1,000 into an instalment plan automatically, and "Zillion Coins (4 Zillion Coins = ₹1) are earned as a percentage of BPUS proportionately upon repayment of the corresponding EMIs". The inverse of the board, where an EMI conversion forfeits the points. Two edges cut the other way, though — foreclose a plan and "the Rewards (Zillion Coins) corresponding to the foreclosed amount will be forfeited", and pre-pay the unbilled amount to dodge the 24% APR and that spend leaves BPUS, so it earns nothing either |
| Standard Chartered Rewards Standard Chartered | full earn | 0.67% | EMI-converted transactions still earn, which is the opposite of most of this board — SC's FAQ confirms it rather than staying silent |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 — IDBI's exclusion annexure is MCC-based and names no EMI flag, and the MITC's own EMI clause is silent on point accrual |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | UNUSUAL: the official FAQ confirms EMI transactions DO earn reward points on this card |
| Indian Overseas Bank RuPay Select Indian Overseas Bank | full earn | 0.25% | IOB publishes an EMI schedule (13% for 3 and 6 months, 15% for 9 and 12, 17% for 18 and 24; nil processing fee; ₹3,000 minimum transaction) but says nothing about reward points on a converted transaction, so no reversal is asserted (inferred from absence, flag) |
| Indian Overseas Bank RuPay Platinum Indian Overseas Bank | full earn | 0.25% | IOB publishes an EMI schedule (13%/15%/17% by tenure, nil processing fee, ₹3,000 minimum transaction) but says nothing about reward points on a converted transaction, so no reversal is asserted (inferred from absence, flag) |
| IOB Gold Credit Card Indian Overseas Bank | full earn | 0.20% | IOB publishes an EMI schedule (13%/15%/17% by tenure, nil processing fee, ₹3,000 minimum transaction) but says nothing about cashback on a converted transaction, so no reversal is asserted (inferred from absence, flag) |
| IOB Classic Credit Card Indian Overseas Bank | full earn | 0.20% | IOB publishes an EMI schedule (13%/15%/17% by tenure, nil processing fee, ₹3,000 minimum transaction) but says nothing about cashback on a converted transaction, so no reversal is asserted (inferred from absence, flag) |
| Indian Overseas Bank RuPay Classic Indian Overseas Bank | full earn | 0.17% | IOB publishes an EMI schedule (13%/15%/17% by tenure, nil processing fee, ₹3,000 minimum transaction) but says nothing about reward points on a converted transaction, so no reversal is asserted (inferred from absence, flag) |
| HDFC Infinia Metal HDFC Bank | earns nothing | — | SmartEMI/EasyEMI earns nothing; accrued RP reversed if txn later converted to EMI |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| ICICI Emeralde Private Metal ICICI Bank | earns nothing | — | EMI txns excluded from rewards + spend calc (official notice) |
| HDFC Diners Club Black Metal HDFC Bank | earns nothing | — | SmartEMI zero RP; points reversed on conversion |
| Axis Olympus Axis Bank | earns nothing | — | EMI earns no EDGE Miles (Axis standard, community) |
| HSBC Premier (Metal) HSBC | earns nothing | — | Official rewards page: 'Reward points shall not be applicable on credit card Instant EMI transactions' |
| IDFC FIRST Private IDFC FIRST Bank | earns nothing | — | Zero RP — "Transactions converted into EMIs" is on the consolidated T&C's no-earn list, alongside Loan on Card, quasi-cash, balance transfers and cash withdrawals |
| Marriott Bonvoy HDFC Bank HDFC Bank | earns nothing | — | Smart EMI / Dial-an-EMI txns earn zero |
| Axis Magnus Axis Bank | earns nothing | — | 'Cash advances and Repayments' excluded; EMI conversions forfeit points — community |
| IDFC FIRST Gaj IDFC FIRST Bank | earns nothing | — | Zero RP on EMI conversions, loan-on-card, balance transfer, fees/GST, cash withdrawals and any txn under ₹150 (official exclusion list) |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | earns nothing | — | EMI conversions excluded — community, flag |
| HDFC Regalia Gold HDFC Bank | earns nothing | — | SmartEMI zero RP; points reversed on conversion |
| IDFC FIRST Mayura IDFC FIRST Bank | earns nothing | — | Txns converted to EMI excluded from rewards (official exclusion list) |
| IndusInd Tiger IndusInd Bank | earns nothing | — | EMI conversions excluded from rewards — IndusInd standard practice, community, flag |
| RBL Nova RBL Bank | earns nothing | — | "EMI" and "Bills2Pay" in the official rbl.bank.in exclusion list |
| HSBC TravelOne HSBC | earns nothing | — | Community-reported; official T&C silent on EMI conversions — flag |
| IDFC FIRST Ashva IDFC FIRST Bank | earns nothing | — | Transactions converted to EMI excluded from rewards (official exclusion list) |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | EMI transactions earn no Air Miles |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | EMI in the published no-earn list |
| Standard Chartered Ultimate Standard Chartered | earns nothing | — | Standard SC exclusion of EMI/loan txns — community, flag |
| DBS Altitude DBS Bank India | earns nothing | — | Transactions converted to EMI earn no Vantage Points, at any MCC |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | earns nothing | — | Spends converted to EMI earn nothing, and are excluded from the 10X band's ₹20,000 trigger |
| KrisFlyer SBI Card APEX SBI Card | earns nothing | — | Zero miles — Flexipay and merchant EMI are both named in the T&C's exclusion table, alongside cash advances, ATM withdrawals, Encash, financial charges and disputed transactions |
| Axis Bank Reserve Axis Bank | earns nothing | — | Repayments excluded; EMI conversion forfeits points — community |
| ICICI Times Black ICICI Bank | earns nothing | — | Official: no RP on transactions converted to EMI; earned points reversed |
| Axis Horizon Axis Bank | earns nothing | — | Official: qualifying purchase value excludes all EMI / loan-on-card / balance conversion & balance transfer, cash, fees and GST |
| YES Bank Marquee YES Bank | earns nothing | — | No RP on EMI spends (official exclusion list) |
| HDFC Diners Club Privilege HDFC Bank | earns nothing | — | SmartEMI earns zero RP; accrued RP reversed on conversion |
| HSBC Privé HSBC | earns nothing | — | Product page Notes: "Reward points shall not be applicable on credit card Instant Equated Monthly Installment (IEMI) transactions", and cancelling or pre-closing one does not reinstate them. HSBC publishes no other category exclusion for Privé — the rest is honestly unknown, not silently full. |
| Axis Miles & More World Select Axis Bank | earns nothing | — | EMI conversions forfeit miles — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | EMI transactions on the official no-coins list |
| ixigo AU AU Small Finance Bank | earns nothing | — | EMI conversions earn no RP (standard, flag) |
| IndusInd Avios Visa Infinite IndusInd Bank | earns nothing | — | EMI conversions forfeit Avios — community, flag |
| Tata Neu Infinity HDFC Bank HDFC Bank | earns nothing | — | EMI conversions earn no NeuCoins (community) |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | earns nothing | — | "No BluChips are earned on EMI transactions" — published, flag dropped 2026-07-22 |
| SBI Card MILES PRIME SBI Card | earns nothing | — | Merchant EMI + Flexipay explicitly excluded in the annexure |
| HSBC Live+ HSBC | earns nothing | — | Service guide §10: instant-EMI transactions are treated as loan facilities and are excluded from the cashback programme |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback — "Reward points and cashback shall not be applicable on credit card Instant Equated Monthly Installment (IEMI) transactions. Credit card IEMI transactions are treated as loan facilities, and therefore such transactions are excluded from the reward points and cashback programs" |
| Equitas PowerMiles Equitas Small Finance Bank | earns nothing | — | EMI earns no RP (community) |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | EMI conversions earn nothing — community, flag |
| Axis Miles & More World Axis Bank | earns nothing | — | EMI conversions forfeit miles — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | EMI conversions excluded — Axis standard, community, flag |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | EMI conversions in the published no-earn list |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | EMI, EMI-on-call and cash transactions earn nothing, and converting a past transaction to EMI claws the points back |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — "Reward points shall not be applicable on credit card Instant Equated Monthly Instalment (IEMI) transactions… such transactions are excluded from the reward points". Cancelling or pre-closing an IEMI does not reinstate them |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — "Reward points shall not be applicable on credit card Instant Equated Monthly Instalment (IEMI) transactions… such transactions are excluded from the reward points". Cancelling or pre-closing an IEMI does not reinstate them |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| Adani One ICICI Bank Signature ICICI Bank | earns nothing | — | EMI conversions excluded — ICICI standard practice, community, flag |
| Adani One ICICI Bank Platinum ICICI Bank | earns nothing | — | EMI, balance transfer and PLCC spend earns nothing under the T&C's exclusion list |
| IndiGo SBI Card ELITE SBI Card | earns nothing | — | EMI conversions earn no BluChips (community) |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | EMI conversions earn no BluChips (community); EMIs are also excluded from milestone spend calculations (published) |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | EMI, balance transfer and cash excluded from miles (official card page) |
| IDFC FIRST WOW! Black IDFC FIRST Bank | earns nothing | — | Named with cash withdrawals and fuel in the product guide's one-line exclusion |
| IDFC FIRST WOW! IDFC FIRST Bank | earns nothing | — | Zero RP on EMI conversions, loan-on-card, balance transfer, fees/GST, cash withdrawals and any txn under ₹200 |
| YES Bank RESERV YES Bank | earns nothing | — | No RP on EMI spends — YES standard, community, flag |
| YES Bank ELITE+ YES Bank | earns nothing | — | Post-purchase EMI and Instant EMI both earn zero |
| RBL iGlobe RBL Bank | earns nothing | — | EMIs excluded (CardInsider exclusion list) |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | EMI transactions earn zero, and points on a purchase converted to EMI later are reversed in that cycle |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | EMI transactions earn no Air Miles (officially published, 2026-07-22) |
| SBI Card MILES ELITE SBI Card | earns nothing | — | Merchant EMI + Flexipay explicitly excluded in annexure |
| IndiGo SBI Card SBI Card | earns nothing | — | EMI conversions earn no BluChips (community) |
| RBL Icon RBL Bank | earns nothing | — | EMI conversions excluded — RBL standard practice, community, flag |
| YES Essence YES Bank | earns nothing | — | Post-purchase EMI and Instant EMI both earn zero |
| Tata Neu Plus HDFC Bank HDFC Bank | earns nothing | — | "Smart EMI / Dial an EMI transaction" accrues nothing. Merchant EMI is a different product and still earns 1% back on any brand — but never the extra 1% that non-EMI spend at a partner Tata brand earns |
| RBL World Safari RBL Bank | earns nothing | — | T&C silent on EMI conversions; RBL standard practice excludes them — community, flag |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL World Safari Plus RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| KrisFlyer SBI Card SBI Card | earns nothing | — | EMI conversions earn no miles (community) |
| RBL Insignia Preferred Banking World Card RBL Bank | earns nothing | — | EMI conversions earn nothing — RBL standard practice, community, flag |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | EMI, balance transfer and cash excluded from miles (official card page) |
| SBI Card ELITE SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020, and never restored on a foreclosure |
| MakeMyTrip ICICI Bank ICICI Bank | earns nothing | — | EMI conversions excluded — ICICI standard practice, community, flag |
| MakeMyTrip ICICI Bank Platinum ICICI Bank | earns nothing | — | EMI, balance transfer and PLCC spend earns no myCash AND is struck out of both spend milestones (₹50,000 on MakeMyTrip, ₹2.5L overall) |
| Axis Bank Privilege Axis Bank | earns nothing | — | "EDGE REWARD points will be debited for credit card transactions which are converted to EMI" — and are not credited back if the EMI is cancelled |
| Kotak Zen Signature Kotak Mahindra Bank | earns nothing | — | Zero Zen Points on any transaction converted to EMI — Kotak's earn copy names it alongside wallet load, fuel, rent and online skill-based gaming |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | EMI earns nothing and doesn't count toward milestones (Kotak standard) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL Platinum LifeEasy RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| AU Ananta AU Small Finance Bank | earns nothing | — | EMI conversions earn nothing — AU standard practice, community, flag |
| IndusInd Legend IndusInd Bank | earns nothing | — | EMI conversions forfeit RP — community/flag |
| AU Zenith AU Small Finance Bank | earns nothing | — | EMI conversions earn nothing — AU standard, community, flag |
| SBI Card PRIME SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020 |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | EMI transactions earn zero; points are reversed if a purchase is converted to EMI later |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | EMI conversions earn no BluChips (community) |
| IDFC FIRST Wealth IDFC FIRST Bank | earns nothing | — | EMI conversions earn nothing (CardMaven: 'Fuel & EMI: No rewards') |
| SBI Card MILES SBI Card | earns nothing | — | Merchant EMI + Flexipay explicitly excluded in the annexure |
| IDFC FIRST Select IDFC FIRST Bank | earns nothing | — | Reward program not applicable on fuel, EMI transactions or cash withdrawals (official product page) |
| IRCTC SBI Card Premier SBI Card | earns nothing | — | Merchant EMI / Flexipay excluded from rewards — SBI standard, community, flag |
| IRCTC SBI Platinum Card SBI Card | earns nothing | — | Zero points on Flexipay and on merchant EMI availed at the point of sale (w.e.f. 20 Nov 2020); a foreclosed Flexipay never gets its points back |
| IndusInd Pinnacle World IndusInd Bank | earns nothing | — | EMI conversions forfeit RP — community/flag |
| RBL Signature Banking RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| ICICI Sapphiro ICICI Bank | earns nothing | — | EMI excluded from rewards + spend calc |
| RBL Apex RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| ICICI Bank Rubyx ICICI Bank | earns nothing | — | EMI conversions excluded from rewards + spend calc (ICICI standard) |
| ICICI Bank Emeralde ICICI Bank | earns nothing | — | EMI spend earns nothing and does not count toward the ₹10,00,000 fee waiver |
| AU Vetta AU Small Finance Bank | earns nothing | — | EMI conversions earn nothing — AU standard, community, flag |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | earns nothing | — | Smart EMI and Dial an EMI accrue nothing, and merchant-EMI interest is excluded too — only the EMI principal earns |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | EMI conversions earn no RP (standard, flag) |
| BPCL SBI Card OCTANE SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, both w.e.f. 20 Nov 2020; points already credited are reversed, and a foreclosure never restores them |
| SBI Card PULSE SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020 |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | EMI transactions are named in the MITC's rewards exclusion list, alongside money transfers and cash withdrawals |
| ICICI Bank Coral ICICI Bank | earns nothing | — | EMI transactions earn nothing and are struck out of the annual-fee-waiver count |
| YES Bank SELECT YES Bank | earns nothing | — | Post-purchase EMI and Instant EMI both earn zero |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | "EMI on call & Instant EMI transactions" earn nothing, and post-purchase EMI is named in the glossary too |
| ICICI Bank Expressions ICICI Bank | earns nothing | — | EMI spend earns nothing and does not count toward the ₹1,50,000 fee waiver |
| ICICI Bank HPCL Super Saver ICICI Bank | earns nothing | — | EMI, balance transfer and PLCC spend earns nothing and is struck out of the ₹1,50,000 fee-waiver count |
| DBS Vantage DBS Bank India | earns nothing | — | EMI earns no VP (community) |
| Federal Bank Celesta Federal Bank | earns nothing | — | EMI conversions earn nothing — community, flag |
| IndusInd Pioneer Heritage IndusInd Bank | earns nothing | — | EMI earns no RP (IndusInd standard, community) |
| Axis Bank My Zone Axis Bank | earns nothing | — | EMI transactions earn nothing; cash advances and repayments are on the same excluded list |
| YES Bank Wellness Plus YES Bank | earns nothing | — | "EMI on Call & Instant EMI transactions" earn nothing on either the pharmacy rate or the base rate |
| SimplyCLICK SBI Card SBI Card | earns nothing | — | Points on Flexipay and merchant EMI are reversed (w.e.f. 20 Nov 2020) and never restored on a foreclosure |
| AU Zenith+ AU Small Finance Bank | earns nothing | — | EMI conversions earn nothing — AU standard practice, community, flag |
| AU Bank NOMO Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points on an EMI conversion — AU's shelf-wide rule, stated outright in the LIT and Altura Plus terms and applied to every variant (flag: the NOMO page does not repeat it) |
| HDFC Bank Millennia HDFC Bank | earns nothing | — | "All EMI transactions (even if preclosed) including Smart EMI / Dial an EMI transaction" are named in the 1% clause's exclusion list |
| HDFC Bank PIXEL Play HDFC Bank | earns nothing | — | "EMI Transactions" and "Purchases converted to EMI post facto" both named in the no-accrual list under every cashback tier |
| HDFC Bank Freedom HDFC Bank | earns nothing | — | Easy EMI named beside wallet loading in the same 1-Sep-2024 clause |
| IDFC FIRST Millennia IDFC FIRST Bank | earns nothing | — | Named with fuel and cash withdrawals in the product page's exclusion sentence |
| IDFC FIRST Classic IDFC FIRST Bank | earns nothing | — | Named alongside fuel and cash withdrawals in the same exclusion sentence |
| LIC IDFC FIRST Select IDFC FIRST Bank | earns nothing | — | Named in the same exclusion sentence |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | earns nothing | — | Excluded from other retail spends alongside ATM cash withdrawals |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — Flexipay and merchant EMI alike. SBI's own worked example strips the EMI leg out of the accelerated bucket before computing, so an EMI purchase on Flipkart earns nothing rather than 1% |
| Titan SBI Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI; points already credited are reversed, and a foreclosure never restores them |
| Reliance SBI Card PRIME SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI alike |
| Landmark Rewards SBI Card PRIME SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020, from the same program-wide list |
| Apollo SBI Card SELECT SBI Card | earns nothing | — | Zero Health Credits — Flexipay and merchant EMI; credits already awarded are reversed, and a foreclosure never restores them |
| CASHBACK SBI Card SBI Card | earns nothing | — | Every EMI spend earns zero, and converting a transaction to EMI later reverses the cashback already credited on it |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | EMI transactions and post-facto EMI conversions both earn nothing |
| Paytm HDFC Bank Digital HDFC Bank | earns nothing | — | EMI spends earn nothing |
| Paytm HDFC Bank Mobile HDFC Bank | earns nothing | — | EMI spends earn nothing |
| Kotak Cashback+ Kotak Mahindra Bank | earns nothing | — | EMI spends earn nothing |
| Kotak Cashback+ Prime Kotak Mahindra Bank | earns nothing | — | EMI spends earn nothing |
| Paytm HDFC Bank HDFC Bank | earns nothing | — | EMI spends earn nothing |
| Kotak UPI RuPay Kotak Mahindra Bank | earns nothing | — | EMI transactions and balance transfers are outside the reward programme |
| Axis Bank Kwik Axis Bank | earns nothing | — | EMI transactions earn nothing, alongside cash withdrawals and repayments |
| Axis Bank Titanium Smart Traveller Axis Bank | earns nothing | — | Transactions converted to EMI earn nothing, alongside balance transfers and cash withdrawals |
| HDFC Bank UPI RuPay HDFC Bank | earns nothing | — | Zero CashPoints on "All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc)" — named on the exclusion list and repeated in HDFC's own worked example |
| IndianOil HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero Fuel Points — §2.1 excludes "EMI (all type)" and Table 1.1 repeats it |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | EMI transactions do not count toward the ₹3,50,000 annual-fee waiver; Axis's earn exclusion list is stated as spend categories and does not name EMI separately |
| SimplySAVE SBI Card SBI Card | earns nothing | — | Zero points on Flexipay, merchant EMI, balance transfers, Encash and cash advances |
| HDFC Bank MoneyBack+ HDFC Bank | earns nothing | — | Zero points on every EMI type including Smart EMI and Dial an EMI, even if preclosed; the 5X-on-EMI feature was removed on 1 Sep 2024 |
| Landmark Rewards SBI Card SELECT SBI Card | earns nothing | — | Zero points on EMI conversions, named outright in SBI's own earn line |
| Landmark Rewards SBI Card SBI Card | earns nothing | — | Zero points on EMI conversions, named outright in SBI's own earn line |
| Reliance SBI Card SBI Card | earns nothing | — | Zero points on merchant EMI, Flexipay, balance transfers and cash advances |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points on every EMI type, plus cash advances and travellers' cheques |
| LIC Axis Bank Platinum Axis Bank | earns nothing | — | Zero points on EMI conversions, named on the product page itself, and on cash advances |
| ICICI Bank Parakram ICICI Bank | earns nothing | — | "Expenditure in the form of EMI, Balance Transfer, Personal Loan on Credit Card (PLCC), fees and other charges — 0" (card T&C) |
| ICICI Bank Parakram Select ICICI Bank | earns nothing | — | "Cash advance, ATM withdrawal, Expenditure in the form of EMI, Balance transfer, PLCC, Fees and other charges — 0" (card T&C) |
| ICICI Bank Coral against FD ICICI Bank | earns nothing | — | EMI transactions earn nothing and are struck out of the ₹1,50,000 fee-reversal count |
| ICICI Bank Rubyx against FD ICICI Bank | earns nothing | — | EMI transactions earn nothing and are struck out of the ₹3,00,000 fee-reversal count |
| ICICI Bank NRI Coral ICICI Bank | earns nothing | — | EMI transactions are excluded from the total-spend calculation for both the annual-fee reversal and milestone benefits, per the MITC's footnote. |
| ICICI Bank NRI Sapphiro ICICI Bank | earns nothing | — | EMI transactions are excluded from the total-spend calculation for both the annual-fee reversal and milestone benefits. |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | earns nothing | — | No cashback on any EMI transaction, and cashback already paid is REVERSED on conversion — HDFC applies the reversal "irrespective of customer breaching the capping in the statement cycle" |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | earns nothing | — | No cashback on any EMI transaction, and cashback already paid is REVERSED on conversion — HDFC applies the reversal "irrespective of customer breaching the capping in the statement cycle" |
| RBL Platinum Delight RBL Bank | earns nothing | — | An EMI conversion earns no base reward points (MITC, bank-wide) AND is explicitly struck from the waiver calculation — Split-N-Pay and EMI requests placed at the point of sale alike |
| RBL Platinum ShopGain RBL Bank | earns nothing | — | No base reward points survive an EMI conversion, on any RBL card (MITC) |
| RBL Platinum Max RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — RBL's MITC says so for every card it issues, covering Split-N-Pay and EMI requests placed at the time of the transaction. Merchant EMI also costs 1.5% or ₹150, whichever is higher |
| RBL Platinum Prime RBL Bank | earns nothing | — | No base reward points on any EMI conversion — RBL's MITC states it for every card, including Split-N-Pay and EMI requested at the point of sale |
| RBL Platinum Plus RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — RBL's MITC applies it to every card, Split-N-Pay included |
| RBL Platinum Choice RBL Bank | earns nothing | — | No base reward points survive an EMI conversion, on any RBL card (MITC) |
| RBL Platinum Advantage RBL Bank | earns nothing | — | No base reward points survive an EMI conversion, on this or any other RBL card (MITC) |
| RBL Binge RBL Bank | earns nothing | — | No base reward points survive an EMI conversion, on this or any RBL card (MITC); EMI is also named in the card's own 15-Oct-2024 footnote |
| RBL MyFirst RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — the card's own 15-Oct-2024 footnote names EMI, and RBL's MITC applies it bank-wide |
| RBL EasySaver RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — named in the card's own 15-Oct-2024 footnote and applied bank-wide by RBL's MITC |
| RBL Shoprite RBL Bank | earns nothing | — | An EMI conversion earns no base reward points (MITC, bank-wide) and is explicitly excluded from the ₹1.5 lakh waiver calculation |
| RBL Movies and More RBL Bank | earns nothing | — | An EMI conversion earns no base reward points (MITC, bank-wide) and is explicitly struck from the monthly and annual milestone purchase value — Split-N-Pay and point-of-sale EMI alike |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | An EMI conversion earns no base reward points (MITC, bank-wide) and is struck from the annual milestone spend — Split-N-Pay and point-of-sale EMI alike |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — RBL's MITC applies it to every card it issues, Split-N-Pay included. This card's own table does not mention EMI, so no waiver answer is asserted for it |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | An EMI conversion earns no reward points and is struck from the milestone purchase value — Split-N-Pay and point-of-sale EMI alike; RBL's MITC applies the accrual half bank-wide |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | An EMI conversion earns nothing — RBL's MITC strips base rewards from every EMI conversion it issues, Split-N-Pay included, and merchant EMI costs 1.5% or ₹150, whichever is higher |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | An EMI conversion earns nothing — RBL's MITC strips base rewards from every EMI conversion bank-wide, Split-N-Pay included |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | No base reward points survive an EMI conversion — named on the card's own original exclusion list and applied bank-wide by RBL's MITC |
| RBL Cookies RBL Bank | earns nothing | — | EMI — Split-N-Pay and EMI requested while making the transaction — is named on the card's own exclusion table, and RBL's MITC strips base reward points from every EMI conversion bank-wide |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — "EMI (all types)" is on the exclusion list, and HDFC's bank-wide rewards T&C separately reverses points already earned when a retail transaction is converted to SmartEMI |
| AU LIT Credit Card AU Small Finance Bank | earns nothing | — | EMI transactions are excluded from base Reward Points and from the accelerated 5X/10X grid, and from the milestone spend calculation behind LIT's cashback features |
| AU Altura Plus Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — EMI is named outright in AU's exclusion note for this card |
| AU Altura Credit Card AU Small Finance Bank | earns nothing | — | AU excludes EMI from reward accrual across its shelf, and Altura's own cashback exclusion list names cash and BBPS transactions alongside it — flag, the Altura page does not print the word EMI itself |
| SBM MobiKwik First Credit Card SBM Bank (India) | earns nothing | — | "Since there is no rewards/Cashback on EMI transactions, once a transaction is converted in to EMI, the customer will not earn any rewards/Cashback on the transaction even if the customer opts for foreclosure" |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | "EMI transactions" are named in the exclusion prose, and SBM's shared MITC says an EMI cardmember "shall not be … eligible for any reward points whatsoever" |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | earns nothing | — | "EMI Payments" are listed with no MCC at all, and SBM's shared MITC says the same thing in stronger terms: an EMI cardmember "shall not be … eligible for any reward points whatsoever" |
| IndianOil RBL Bank Credit Card RBL Bank | earns nothing | — | No Fuel Points on EMI conversions of retail transactions, including Split-N-Pay and EMI requests placed at the point of sale — named in T&C §3.2 and again in the fee-waiver clause §3.3 |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | earns nothing | — | No Fuel Points on EMI conversions of retail transactions, including Split-N-Pay and EMI requests placed at the point of sale — named in T&C §3.2, §3.3 and §3.5 |
| RBL Bank Shoppers Stop Black RBL Bank | earns nothing | — | Split-N-Pay and any EMI conversion requested at the time of the transaction earn nothing and count towards no milestone |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Split-N-Pay and at-transaction EMI conversions earn nothing and count towards no milestone |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Split-N-Pay and at-transaction EMI conversions earn nothing and count towards no milestone |
| Amex Platinum Travel American Express | earns nothing | — | No MR on POS EMI conversion |
| Amex Platinum Charge American Express | earns nothing | — | Official: no MR on EMI conversion at point of sale |
| Amex Membership Rewards Card American Express | earns nothing | — | No MR on EMI conversion |
| Amex Platinum Reserve American Express | earns nothing | — | Official: no MR on POS EMI conversion; cash transactions also excluded |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | EMI transactions on the Scapia no-coins list |
| PNB LUXURA Metal (RuPay) Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB LUXURA Metal (Visa Infinite) Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB Zaggle Twin Punjab National Bank / Zaggle | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB SALARY RuPay Select Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB BLISS Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB SALARY RuPay Platinum Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB EMT RuPay Platinum Punjab National Bank / EaseMyTrip | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB RuPay Platinum Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB Patanjali RuPay Select Punjab National Bank / Patanjali Ayurved | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB RuPay Millennial Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB Visa Signature Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| PNB RuPay Select Punjab National Bank | earns nothing | — | No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments |
| Amex Gold Charge American Express | earns nothing | — | No MR on EMI conversion |
| RBL World Plus RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL World Prime RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| RBL World Max RBL Bank | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| OneCard Metal OneCard (issued via partner banks) | earns nothing | — | EMI conversions earn nothing — community, flag |
| Flipkart Axis Bank Super Elite Axis Bank | earns nothing | — | EMI transactions earn zero, and coins on a purchase converted to EMI later are reversed in that cycle |
| Paytm SBI Card SELECT SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, both w.e.f. 20 Nov 2020; points already credited are reversed and a foreclosure never restores them |
| Paytm SBI Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, both w.e.f. 20 Nov 2020 |
| KVB SBI Signature Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020 |
| KVB SBI Platinum Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020 |
| South Indian Bank SBI Platinum Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020 |
| Shaurya SBI Card SBI Card | earns nothing | — | Flexipay, balance transfer, Encash and cash advances are all outside the Reward Point programme |
| SBI Card Unnati SBI Card | earns nothing | — | Zero points on Flexipay, balance transfers, Encash and cash advances |
| Axis Atlas Axis Bank | earns nothing | — | EMI conversions forfeit miles — community-reported, Axis T&C silent |
| YES First Preferred YES Bank | earns nothing | — | Post-purchase EMI and Instant EMI both earn zero |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points on any EMI conversion — Split-N-Pay, merchant EMI and EMI requests placed at the time of the transaction all forfeit accrual, and "Bills2Pay" is excluded alongside it |
| MakeMyTrip ICICI Bank Signature ICICI Bank | earns nothing | — | EMI, balance transfer and PLCC spend earns nothing |
| Kotak Privy League Signature Kotak Mahindra Bank | earns nothing | — | EMI conversions earn no RP (Kotak standard, community) |
| Chennai Super Kings ICICI Bank ICICI Bank | earns nothing | — | EMI, balance transfer and PLCC spend earns nothing, counts toward neither the ₹1,50,000 fee waiver nor the top-spender contest |
| Air India SBI Signature Card SBI Card | earns nothing | — | Zero points — Flexipay and merchant EMI; points already credited are reversed, and a foreclosure never restores them |
| Club Vistara SBI Card PRIME SBI Card | earns nothing | — | Zero CV Points — Flexipay and merchant EMI; points already credited are reversed, and a foreclosure never restores them |
| Club Vistara SBI Card SBI Card | earns nothing | — | Zero CV Points — Flexipay and merchant EMI; points already credited are reversed, and a foreclosure never restores them |
| HDFC Regalia HDFC Bank | earns nothing | — | SmartEMI earns zero RP; points reversed on conversion (bank-wide) |
| HDFC Regalia Activ HDFC Bank | earns nothing | — | EasyEMI earns nothing, and "Reward points accrued will be reversed if a retail transaction is converted into SmartEMI" — clause 5 |
| Myntra Kotak Kotak Mahindra Bank | earns nothing | — | Transactions or balances converted into EMI earned nothing, and any cashback already paid on them was reversed |
| RBL Bank novio RBL Bank | earns nothing | — | Split-N-Pay and any EMI conversion requested at the time of the transaction are excluded from the milestone count, along with fees, charges and GST |
How EMI conversions / merchant EMI got here
1 tracker event whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- Amex India strips Membership Rewards points off EMI purchases American Express India
Not published
866 cards on the desk have no rule we could read for EMI conversions / merchant EMI. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 866
Axis Burgundy PrivateStandard Chartered BeyondIndusInd PIONEER PrivateDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeAxis Bank PRIMUSHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardBOBCARD Etihad GuestTata Neu Infinity SBI CardAU CA MetalAU CSIDBI Bank LIC Eclat SelectEquitas Selfe Credit CardBOBCARD TiaraIDBI Bank Euphoria WorldIDBI Bank Royale SignatureIndus SolitaireIndiGo Kotak Premium Credit CardNiyo Global SBM Credit CardIndiGo Kotak Credit CardEazyDiner IndusInd SignatureTata Neu Plus SBI CardRBL World Safari LitePhonePe HDFC Bank UltimoShoppers Stop Black HDFC BankPaytm HDFC Bank SelectKotak WhitePhonePe HDFC Bank UnoKotak NRI Royale SignatureIndianOil Axis Bank PremiumHDFC PIXEL GoUnion Bank UNICORNBOBCARD PremierIndusInd CelestaUnion Bank NEXTERIAFederal Bank ImperioHPCL ENERGIE BOBCARDUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardYES Bank Zagg Credit CardUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumKotak League PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyLIC Axis Bank SignatureFibe Axis Bank Credit CardAxis Bank ACEAxis Bank REWARDSSamsung Axis Bank SignatureFlipkart Axis Bank Credit CardAxis Bank NEOAU Bank Traverse Credit Card (NRI)RBL LumièreSBI AURUMIDFC FIRST SWYPCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumAxis Bank CashbackAxis Bank Freecharge PlusFlipkart Wholesale HDFC BankAxis Bank FreechargeAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureBPCL SBI CardHDFC Bank BizGrowICICI Bank HPCL Coral Credit CardICICI Bank Platinum Chip Credit CardGoogle Pay Flex Axis BankIndianOil Kotak Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak811 Super Money CardICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentKrishak Unnati SBI CardUtkarsh Eternal Credit CardUtkarsh Rhodium Credit CardUtkarsh SmartGen Credit CardUtkarsh superCardAxis Bank Shoppers Stop Credit CardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered SmartStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineSuryoday SFB RuPay PlatinumSuryoday SFB RuPay SelectESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB PayLess Select Credit CardDCB novio Credit Card (RuPay Select)DCB PayLess Platinum Credit CardDCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProCUB CSK Master PlatinumCUB SRH Master PlatinumCUB CSK RuPay PlatinumCUB SRH RuPay PlatinumCUB CSK Master WorldCUB SRH Master WorldDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)Union Bank Micro EnterpriseIB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnCanara Bank Select / World / SignatureCanara Bank PlatinumPhonePe SBI Card SELECT BLACKApollo SBI CardDoctor's SBI CardShaurya Select SBI CardPhonePe SBI Card PURPLEDelhi Metro SBI CardCentral SBI Select CardRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteAxis Bank Vistara Infinite Credit CardHDFC Harley-Davidson Diners ClubKotak Royale SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumEmirates Skywards ICICI Bank RubyxAxis Bank Vistara Signature Credit CardAxis Bank Vistara Credit CardAir India SBI Platinum CardIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAAxis Bank SignatureManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicKotak Best Price BusinessHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakRBL vCardIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.