BOBCARD

5% back on online shopping, credited automatically, for a ₹499 fee that never gets waived. Here is who it pays off for.

A women-only card with 3.75% back on dining and travel, unlimited domestic lounges and ₹3,500 of quarterly vouchers.

2.5% back on dining, travel and foreign spends, capped at 2,000 points a cycle, with one lounge visit a quarter.

3.75% back on online, dining and travel spends with points that never expire, but lounges now need ₹75,000 a quarter.