1
HSBC India · fee ₹999 fee waived at your spend
₹22,320net a year · 3.1% of spend
Rewards ₹22,320Milestones ₹0Fee −₹0
Where the rewards come from
2
HDFC Bank · fee ₹1,000 fee waived at your spend
₹19,008net a year · 2.6% of spend
Rewards ₹19,008Milestones ₹0Fee −₹0
Where the rewards come from
3
SBI Card · fee ₹999 fee waived at your spend
₹16,656net a year · 2.3% of spend
Rewards ₹16,656Milestones ₹0Fee −₹0
Where the rewards come from
4
HDFC Bank · fee ₹500 fee waived at your spend
₹15,648net a year · 2.2% of spend
Rewards ₹15,648Milestones ₹0Fee −₹0
Where the rewards come from
5
Standard Chartered Bank · fee ₹5,000
₹15,143net a year · 2.1% of spend
Rewards ₹20,143Milestones ₹0Fee −₹5,000
Where the rewards come from
6
HDFC Bank · fee ₹2,500 partly verified fee waived at your spend
₹14,620net a year · 2.0% of spend
Rewards ₹9,120Milestones ₹5,500Fee −₹0
Where the rewards come from
7
HDFC Bank · fee ₹1,000 fee waived at your spend
₹14,504net a year · 2.0% of spend
Rewards ₹12,504Milestones ₹2,000Fee −₹0
Where the rewards come from
8
Axis Bank · fee ₹499 fee waived at your spend
₹12,210net a year · 1.7% of spend
Rewards ₹12,210Milestones ₹0Fee −₹0
Where the rewards come from
9
HDFC Bank · fee ₹1,499 fee waived at your spend
₹12,180net a year · 1.7% of spend
Rewards ₹12,180Milestones ₹0Fee −₹0
Where the rewards come from
10
₹12,000net a year · 1.7% of spend
Rewards ₹12,000Milestones ₹0Fee −₹0
Where the rewards come from
Net value = rewards + milestones + lounge (if ticked) − annual fee (after any waiver). Fees exclude 18% GST. Rates that apply only at partner merchants are counted on a share of that category (25% unless stated). Portal-only rates count only if you tick the portal option. Values depend on how you redeem points. How we calculate.