# https://cardjaano.com

> Credit Card Reviews, News & Comparisons in India


## Posts

- [Update: Apple Pay Is Now Live in India Only Axis Bank Credit Cards Work at Launch](https://cardjaano.com/blog/apple-pay-live-india-axis-bank-credit-cards/): Apple Pay went live in India on 30 September 2026. Axis Bank Visa and Mastercard credit cards are the only ones supported.
- [Pay Income Tax With Any Credit Card: IDFC FIRST Bank Opens Its CBDT Payment Gateway](https://cardjaano.com/blog/idfc-first-income-tax-payment-credit-card/): Direct taxes can now be paid by credit card, UPI or net banking through IDFC FIRST Bank's new CBDT gateway.
- [New Visa Credit Card? Your First ₹300 Spend Earns a Voucher of Up to ₹750 Until 31 October 2026](https://cardjaano.com/blog/visa-new-card-welcome-voucher-october-2026/): Visa gives new credit cardholders an Amazon Pay, Swiggy or Zomato voucher of up to ₹750 for one ₹300 spend.
- [BOM SBI Card SimplySAVE Review](https://cardjaano.com/sbi/bom-simplysave-sbi-card/): The SBI Card SimplySAVE issued through Bank of Maharashtra branches. Identical rates to every other partner bank version, with the fee reversed on spend.
- [Flipkart Big Billion Days 2026 Starts 9 October With Up to 10% Instant Discount on Axis and ICICI Cards](https://cardjaano.com/blog/flipkart-big-billion-days-2026-axis-icici-offer/): Big Billion Days opens 9 October, a day early for Plus and Black members, with up to 10% off on Axis and ICICI cards.
- [Axis Pride Platinum Fee Waiver Now Needs ₹40,000 in Spends, Double the Old ₹20,000](https://cardjaano.com/blog/axis-pride-platinum-fee-waiver-40000/): Axis doubled the Pride Platinum waiver target and stopped counting gift card and toll spends on both Pride cards.
- [Update: IDFC FIRST Now Advertises 10X Reward Points on International Spends Alongside Zero Forex](https://cardjaano.com/blog/idfc-first-10x-rewards-international-spends/): Wealth, Select, Millennia and Classic pages now promise 10X points abroad, reversing the 26 October no-rewards note.
- [Flipkart Axis Bank Credit Card Now Has Zero Joining Fee Ahead of Big Billion Days 2026](https://cardjaano.com/blog/flipkart-axis-bank-credit-card-zero-joining-fee/): Axis has waived the ₹500 joining fee on the Flipkart Axis card for a limited period, just before Big Billion Days.
- [HDFC Bank Ordered to Refund ₹1.39 Lakh Card Fraud With 9% Interest: OTP Use Is Not Proof of Consent](https://cardjaano.com/blog/hdfc-bank-kakinada-consumer-commission-unauthorised-transaction/): A Kakinada commission told HDFC Bank to refund a ₹1,39,901 unauthorised card charge, plus interest and ₹35,000.
- [SBI Card Launches FD-Backed Advantage Cards on YONO: ELITE, PRIME, SimplyCLICK and SimplySAVE in 10 Minutes](https://cardjaano.com/blog/sbi-card-fd-backed-advantage-cards-yono/): Hold an SBI fixed deposit? You can now apply for four secured SBI credit cards on YONO in about 10 minutes.
- [IDFC FIRST SWYP Welcome Benefit Cut: ₹2,100 Monthly Travel Discount Replaced by ₹250 in Points](https://cardjaano.com/blog/idfc-first-swyp-welcome-benefit-cut/): IDFC FIRST has dropped the up-to-₹2,100 monthly travel discount on the SWYP card and put ₹250 in reward points in its place.
- [IDFC FIRST Business Credit Cards Now Carry Zero Forex Markup, Down From Up to 2%](https://cardjaano.com/blog/idfc-first-business-credit-cards-zero-forex/): IDFC FIRST's business cards now show a 0% forex markup, down from 1.99% and 2% plus GST.
- [Axis Bank Moves Air India, Flying Blue and Qantas to Group A: Atlas Transfers Capped at 30,000 Miles a Year](https://cardjaano.com/blog/axis-edge-transfer-partners-group-a-reshuffle/): Axis has moved three airlines into its capped Group A and brought back Accor ALL at new ratios.
- [HSBC Extends 0% Forex on Its RuPay Cashback Card to 31 December 2026 Cleartrip and Bill Offers Dropped](https://cardjaano.com/blog/hsbc-rupay-cashback-forex-extended-december/): HSBC's RuPay Cashback card now shows 0% forex mark-up until 31 December 2026, but two coupon offers have left the page.
- [BOM SBI Card ELITE Review: Fees, Rewards and How to Apply](https://cardjaano.com/sbi/bom-sbi-card-elite/): The SBI Card ELITE issued through Bank of Maharashtra branches. Identical rates to every other partner bank version, with the fee reversed on spend.
- [Mastercard Gives a Free Second Night at 24 ITC Hotels But Only on 17 Credit Cards](https://cardjaano.com/blog/mastercard-itc-hotels-free-second-night/): Stay two nights, pay for one at 24 ITC and Welcomhotel properties — if you hold one of 17 named Mastercard credit cards.
- [Amazon Great Indian Festival Starts 8 October With 10% Instant Discount on SBI Cards](https://cardjaano.com/blog/amazon-great-indian-festival-2026-sbi-card-offer/): Amazon's Great Indian Festival opens 8 October 2026 with a 10% instant discount on SBI debit, credit and EMI transactions.
- [IDFC FIRST Power Welcome Voucher Now Needs the HPCL Transaction Settled Within 30 Days](https://cardjaano.com/blog/idfc-first-power-hpcl-voucher-settlement-condition/): IDFC FIRST has added a settlement clause to the FIRST Power fuel voucher — the swipe date alone no longer counts.
- [Club Vistara IDFC FIRST Card Closes 30 September Holders Get the ₹3,000 Diamond Reserve Free](https://cardjaano.com/blog/idfc-club-vistara-card-closes-diamond-reserve/): The Club Vistara IDFC FIRST card stops after 30 September 2026, with holders reportedly moved to the Diamond Reserve lifetime free.
- [Axis REWARDS Credit Card Fee Drops to Nil But Only on the Amex Network](https://cardjaano.com/blog/axis-rewards-credit-card-lifetime-free/): Axis has cut the REWARDS Credit Card joining and annual fee from ₹1,000 to nil, with one condition in the small print.
- [Axis Bank Vistara Credit Cards Stop Working for Spends After 31 October 2026](https://cardjaano.com/blog/axis-vistara-credit-cards-discontinued-october-2026/): Axis has confirmed on its own card pages that the Vistara and Vistara Infinite cards end for spends after 31 October 2026.
- [Kotak Adds Flat 30% Off at Bombay Sweet Shop and 20% Off on District for Solitaire Cardholders](https://cardjaano.com/blog/kotak-solitaire-new-merchant-offers-september-2026/): Kotak has just added four merchant offers led by 30% off up to ₹15,000 at The Bombay Sweet Shop on the Solitaire card.
- [HSBC Waives Forex Mark-Up on All Its Credit Cards Until 30 September 2026](https://cardjaano.com/blog/hsbc-zero-forex-markup-offer-september-2026/): Every HSBC India credit card gets 0% forex mark-up on overseas spends until 30 September 2026. Corporate cards are excluded.
- [Scapia Axis Bank Credit Card Launched: Zero Fee, Zero Forex, Now on Mastercard and RuPay](https://cardjaano.com/blog/scapia-axis-bank-credit-card-launch/): Scapia's third banking partner is live — Axis Bank opened onboarding for the zero-fee travel card on 3 September 2026.
- [SBI Shaurya Credit Card Review](https://cardjaano.com/sbi/sbi-shaurya-credit-card/): 5X points on CSD, grocery and dining, welcome points worth the whole fee, and a waiver at just ₹50,000 of spend.
- [IndusInd Pinnacle Loses Times Prime, Postcard Hotel and 15% Hotel Discount From Its Card Page](https://cardjaano.com/blog/indusind-pinnacle-travel-benefits-removed/): Times Prime, the Postcard Hotel offer and the 15% MyCash hotel discount have vanished from the IndusInd Pinnacle page.
- [HDFC Diners Club Rewardz Review](https://cardjaano.com/hdfc-bank/diners-club-rewardz-credit-card/): HDFC stopped issuing this ₹1,180 Diners card and cut its earn rate in May 2026. The honest arithmetic on whether to keep it open.
- [RBL Bank World Safari Plus Credit Card Launched: 0% Forex, 6,000 Welcome Points, ₹6,000 Fee](https://cardjaano.com/blog/rbl-world-safari-plus-credit-card-launch/): RBL's new World Safari Plus lands at ₹6,000 + GST with zero forex markup and 6,000 welcome reward points.
- [HDFC Diners Club Premium Review](https://cardjaano.com/hdfc-bank/diners-club-premium-credit-card/): HDFC closed this card to new applicants and cut its earn rate in May 2026. What holders get now, and whether the renewal is worth paying.
- [ICICI Rubyx Lounge Access Halved for Dual-Variant Cardholders: 2 Visits a Quarter Instead of 4](https://cardjaano.com/blog/icici-rubyx-dual-variant-lounge-access-halved/): ICICI has cut Rubyx dual-variant lounge visits from 2 per variant a quarter to 1, taking 4 visits a quarter down to 2.
- [Federal Bank Paisaback RuPay Credit Card Launched: 7.5% Cashback on Groceries for a ₹500 Fee](https://cardjaano.com/blog/federal-bank-paisaback-rupay-credit-card-launch/): Federal Bank and Paisabazaar's new RuPay card pays 7.5% back on groceries and quick commerce, capped at ₹1,000 a month.
- [Update: IDFC FIRST Removes Its No Rewards on International Spends From 26 October Note From Card Pages](https://cardjaano.com/blog/idfc-first-international-rewards-note-removed/): IDFC FIRST has pulled its 26 October no-rewards-abroad warning from card pages. The bank has not confirmed a reversal.
- [Jupiter Edge+ Devalued: 50% Shopping Jewels Need Over ₹15,000 Cycle Spend From 10 October 2026](https://cardjaano.com/news/jupiter-edge-plus-15000-spend-condition/): From 10 October 2026, Edge+ pays 50% shopping Jewels only above ₹15,000 cycle spends; below that it drops to 5%.
- [PSB SBI Card SimplySAVE Review: Fees, Rewards and How to Apply](https://cardjaano.com/sbi/psb-simplysave-sbi-card/): The SBI Card SimplySAVE issued through Punjab & Sind Bank branches. Identical rates to every other partner bank version, with the fee reversed on spend.
- [IDFC FIRST Makes Every Credit Card Zero Forex Markup But International Spends Stop Earning From 26 October 2026](https://cardjaano.com/idfc-first-bank/idfc-first-zero-forex-markup-all-credit-cards/): IDFC FIRST has dropped the forex markup to 0% on all 17 credit cards, but international spends stop earning from 26 October.
- [Amex MRCC Loses Its 50% Fee Waiver From 11 October 2026 And Points Stop Pooling Across Cards](https://cardjaano.com/american-express/amex-mrcc-fee-waiver-removed-october-2026/): Amex is withdrawing the 50% renewal-fee waiver on the MRCC and ending points pooling across cards from 11 October 2026.
- [Amex Platinum Travel Devalued: Milestone Points Cut, Lounge Access Conditional From 1 October 2026](https://cardjaano.com/american-express/amex-platinum-travel-devaluation-october-2026/): Amex has quietly cut the Platinum Travel milestones and put a spend condition on lounge visits from 1 October 2026.
- [Landmark Rewards SBI Card PRIME Review](https://cardjaano.com/sbi/landmark-rewards-sbi-card-prime/): 25 points per ₹100 at Lifestyle, Max and Home Centre, a ₹3,000 bonus every year, and twelve lounge visits.
- [Landmark Rewards SBI Card SELECT Review](https://cardjaano.com/sbi/landmark-rewards-sbi-card-select/): 3.75% back at Landmark stores and 2.5% on dining and movies, but squeezed between a cheaper card and a far better one.
- [Landmark Rewards SBI Card Review](https://cardjaano.com/sbi/landmark-rewards-sbi-card/): A ₹589 store card returning 10 points per ₹100 at six Landmark brands, with a renewal bonus that nearly cancels the fee.
- [Club Vistara SBI Card PRIME Review](https://cardjaano.com/sbi/club-vistara-sbi-card-prime/): The milestone flight tickets are gone, but a nil renewal fee, twelve lounge visits a year and 4 CV Points per ₹200 remain.
- [Best Credit Cards for Buying Shoes](https://cardjaano.com/blog/best-credit-cards-for-buying-shoes/): I’m a shoe lover. I buy one or two new pairs every month usually Nike, Adidas or Reebok, sometimes whatever catches my eye at a footwear shop in the mall and that habit costs me somewhere between ₹10,000 and ₹12,000 a month. That’s ₹1,20,000 to ₹1,44,000 a year on shoes. For a long time I paid for all of it with a debit card or UPI and got nothing back. Then someone asked me the obvious question: if you spend this much on shoes, why aren’t you using a credit card? So I went looking for the answer, and this article […]
- [Doctor's SBI Card (IMA) Review](https://cardjaano.com/sbi/doctor-sbi-card-ima/): A credit card built around professional indemnity insurance for practising doctors, with a fee that reverses at ₹2 lakh of annual spend.
- [HDFC INFINIA Metal Edition Review: Is It Worth ₹14,750 a Year?](https://cardjaano.com/hdfc-bank/hdfc-bank-infinia-credit-card-metal-edition/): INFINIA Metal returns 3.33% on travel redemptions and waives its fee at ₹10 lakh. Here is the maths, the caps and who should skip it.
- [HDFC MoneyBack+ Credit Card Review](https://cardjaano.com/hdfc-bank/hdfc-bank-moneyback-credit-card/): The MoneyBack+ pays 2.5% at five merchants and 0.25% elsewhere. Here is what the 2,500 CashPoint monthly cap really returns.
- [IRCTC SBI Card Premier Review](https://cardjaano.com/sbi/irctc-sbi-card-premier/): Up to 10% value back on AC class IRCTC bookings and points worth ₹1 each, but no lounge access at all.
- [HDFC Freedom Credit Card Review](https://cardjaano.com/hdfc-bank/freedom-credit-card/): The Freedom pays 0.75% at five merchants and 0.075% everywhere else. Here is what the 2,500 point monthly cap really returns.
- [PhonePe SBI Card SELECT BLACK Review](https://cardjaano.com/sbi/phonepe-sbi-card-select-black/): 10% back on PhonePe with no cap and a fee that reverses at ₹3 lakh, but SBI is not taking online applications.
- [Paytm SBI Card SELECT Review](https://cardjaano.com/sbi/paytm-sbi-credit-card-select/): 5% on Paytm travel, four lounge visits and ₹2 lakh cyber fraud cover, with the fee waived entirely at ₹2 lakh of spend.
- [Paytm SBI Card Review](https://cardjaano.com/sbi/paytm-sbi-credit-card/): A flat 1% floor and 3% on Paytm travel, but closed to new applicants and no longer paying actual cashback.
- [Reliance SBI Card PRIME Review](https://cardjaano.com/sbi/reliance-sbi-card-prime/): A ₹3,000 joining voucher, ₹8,750 in milestones and a free monthly movie ticket, but every reward comes back as a Reliance voucher.
- [Tata Neu Infinity SBI Card Review](https://cardjaano.com/sbi/tata-neu-infinity-sbi-card/): The lowest forex markup on any mainstream Indian card, a 1.5% floor including UPI, and a fee that reverses at ₹3 lakh.
- [HDFC Diners Club Black Metal Edition Review: Is It Worth ₹10,000?](https://cardjaano.com/hdfc-bank/diners-club-black-metal-edition-credit-card/): Unlimited lounge access and 3.3% back, but the ₹8 lakh fee waiver is harder than the plastic Diners Club Black at the same price.
- [Indigo Elite SBI Card Review: Is It Worth ₹4,999 a Year?](https://cardjaano.com/sbi/indigo-elite-sbi-card/): 5,000 BluChips back every year on renewal, 14 lounge visits and four milestone vouchers, with no spend based fee waiver.
- [HDFC Diners Club Black Review: Unlimited Lounge Access Worth ₹10,000?](https://cardjaano.com/hdfc-bank/diners-club-black-credit-card/): Uncapped lounge access at 1,300+ lounges covering add-on members, a 2% forex markup, and a fee waived at ₹5 lakh.
- [UCO Bank SBI Card SimplySAVE Review](https://cardjaano.com/sbi/uco-bank-simplysave-sbi-card/): The SBI Card SimplySAVE issued through UCO Bank branches. Identical rates to every other partner bank version, with the fee reversed on spend.
- [Google Pay Flex SBI Card Launched](https://cardjaano.com/blog/google-pay-flex-sbi-card-launched/): SBI Card and Google have launched the Google Pay Flex SBI Card, announced on 28 July 2026 and live in the Google Pay app from 29 July. It carries a ₹499 + GST joining and annual fee, pays rewards as “Stars” worth ₹1 each, and is the second card under Google’s Flex programme after the Axis Bank version. What’s Launched Feature Detail Joining fee ₹499 + 18% GST (₹589 all-in) Renewal fee ₹499 + GST, reversed on annual spends of ₹1,00,000 Networks RuPay (UPI-linkable) and Visa; both tokenisable on Google Pay Reward currency Stars — 1 Star = ₹1, redeemed instantly […]
- [RBL Bank Launched 3 Shoppers Stop Cards](https://cardjaano.com/blog/rbl-bank-launched-3-shoppers-stop-cards/): RBL Bank and Shoppers Stop launched a three-tier co-branded credit card range on 21 August 2026: the Gold at ₹1,000, the Platinum at ₹5,000 and the Black at ₹10,000, all plus GST. We ran the numbers on all three. The Gold and the Black both make sense for the right shopper. The Platinum, sitting in the middle at ₹5,900 after GST, does not beat either one at any level of spending we could find. That is not a headline we write often, so here is the working, and you can check it yourself. What’s on Offer Feature Shoppers Stop Gold Shoppers […]
- [BPCL SBI Card OCTANE Review](https://cardjaano.com/sbi/bpcl-sbi-credit-card-octane/): SBI's top fuel card pays 6.25% in points at BPCL pumps plus a 1% surcharge waiver, with the ₹1,499 fee reversed at ₹2 lakh of spending.
- [Apollo SBI Card SELECT Review](https://cardjaano.com/sbi/apollo-sbi-card-select/): A ₹1,499 health card paying 10% back at Apollo, where every point is fixed at ₹1 but can only be spent at Apollo.
- [Air India SBI Signature Card Review](https://cardjaano.com/sbi/air-india-sbi-signature-credit-card/): A ₹4,999 Air India co-brand card with no fee waiver, built around milestones that only start paying at ₹5 lakh of annual spending.
- [Air India SBI Platinum Card Review](https://cardjaano.com/sbi/air-india-sbi-platinum-credit-card/): A ₹1,499 Air India co-brand card with no fee waiver, whose case now rests on its ₹2 lakh and ₹3 lakh milestones.
- [SimplySAVE SBI Card Review](https://cardjaano.com/sbi/sbi-simplysave-credit-card/): A ₹499 everyday card paying 1.67% on groceries, dining and movies, with the lowest fee-waiver threshold in SBI's lineup.
- [SBI ELITE Credit Card Review: Is It Worth ₹4,999?](https://cardjaano.com/sbi/sbi-elite-credit-card/): SBI's lifestyle flagship pays just 0.5% base, so its ₹5,000 voucher, ₹6,000 movie benefit, milestone points and 1.99% forex markup have to carry the fee.
- [SBI Card Miles PRIME Review: Is It Worth ₹2,999?](https://cardjaano.com/sbi/sbi-card-miles-prime/): A ₹2,999 travel card with 2.5% forex, up to 20 domestic lounge visits and a ₹8 lakh milestone that decides whether it pays for itself.
- [SBI Card MILES Review](https://cardjaano.com/sbi/sbi-card-miles/): ★ 3.5 / 5 [Card image placeholder: SBI Card MILES] At a Glance Joining Fee ₹1,499 plus GST Annual Fee ₹1,499 plus GST, reversed on ₹6 lakh annual spends Best Suited For Occasional domestic flyers who want an airline-agnostic travel card at a low fee Reward Type Travel Credits, transferable to airline miles and hotel points at up to 1:1 SBI Card MILES is the entry-level card in SBI Card’s three-card travel range, sitting below MILES PRIME and MILES ELITE. It costs ₹1,499 plus GST a year and pays you in Travel Credits, which move across to more than 20 airline […]
- [PSB SBI Card PRIME Review](https://cardjaano.com/sbi/psb-sbi-card-prime-review/): ★ 3.5 / 5 [Card image placeholder: PSB SBI Card PRIME] At a Glance Joining Fee ₹2,999 + GST (₹3,539 all-in) Annual Fee ₹2,999 + GST, waived on ₹3,00,000 annual spend Best Suited For Households paying ₹10,000–₹15,000 a month in utility bills and spending ₹5 lakh a year Reward Type SBI Reward Points (4 points = ₹1) The PSB SBI Card PRIME is the Punjab & Sind Bank version of SBI Card’s long-running PRIME card. The card, the rewards engine and the customer service all come from SBI Card; Punjab & Sind Bank is the distribution partner whose branches source the […]
- [SBI Card Unnati](https://cardjaano.com/sbi/sbi-card-unnati/): ★ 2.5 / 5 SBI Card does not accept online applications for Unnati. The official brochure directs applicants to their nearest State Bank of India branch. See “How to Apply” below. At a Glance Joining Fee Nil Annual Fee Nil for the first 4 years, then ₹499 + 18% GST from the 5th year Best Suited For First-time credit users who can place a ₹25,000 fixed deposit with SBI Reward Type SBI Reward Points (1 point per ₹100) plus a ₹500 annual milestone cashback SBI Card Unnati is a secured credit card, issued against a fixed deposit with State Bank of […]
- [YES Bank Launches YES Essence Credit Card for Women](https://cardjaano.com/blog/yes-essence-credit-card-for-women/): YES Bank has formally launched the YES Essence Credit Card, its first card built for women as the primary cardholder. It carries a ₹799 + GST joining and annual fee, is currently being offered lifetime free for a limited period, and is open only to salaried women. The bank announced it on 19 August 2026. What YES Bank Launched Feature Detail Joining fee ₹799 + GST (reversed on ₹20,000 spends in 30 days) Annual fee ₹799 + GST (waived on ₹1,00,000 annual spends) Current offer Lifetime free for a limited period Rewards 12 YES Rewardz per ₹200 on online fashion, beauty, […]
- [PNB Launches LUXURA and Parakram Credit Cards for Indian Army Personnel](https://cardjaano.com/blog/pnb-launches-luxura-and-parakram-credit-cards-for-indian-army-personnel/): Punjab National Bank has signed an exclusive MoU with the Indian Army to issue two rank-linked credit cards: the PNB LUXURA Metal Credit Card for Commissioned Officers and the PNB Parakram Credit Card for JCOs and Other Ranks. Both carry 3% cashback on Canteen Stores Department (CSD) spends, zero forex markup and airport lounge access. The MoU was signed at Army HQ, Delhi on 20 August 2026. What’s on Offer Feature PNB LUXURA Metal (Officers) PNB Parakram (JCOs / OR) Who gets it Lieutenant to General, serving and retired Sepoy to Subedar Major, serving and retired Joining fee Nil [VERIFY] Nil […]
- [SBI Card PULSE Review](https://cardjaano.com/sbi/sbi-card-pulse/): ★ 3.0 / 5 At a Glance Joining Fee ₹1,499 + GST Annual Fee ₹1,499 + GST (waived on ₹2,00,000 annual spends) Best Suited For Households with regular pharmacy, dining and movie spends Reward Type SBI Reward Points (4 points = ₹1) SBI Card PULSE is a health-and-wellness card built around one idea: your chemist bill should earn you something. You get 10 Reward Points per ₹100 at chemists, pharmacies, sports stores, restaurants and cinemas, a 2.5% return, plus a Noise smartwatch, a FITPASS PRO gym membership and a Netmeds First membership in year one. The catch is everything outside those […]
- [SBI Card Miles Elite Review](https://cardjaano.com/sbi/sbi-card-miles-elite/): ★ 3.5 / 5 At a Glance Joining Fee ₹4,999 + GST (₹5,899 all-in) Annual Fee ₹4,999 + GST, reversed on ₹15 lakh annual spend Best Suited For Frequent international travellers who transfer points to airlines Reward Type Travel Credits, transferable to airline miles and hotel points at up to 1:1 The SBI Card Miles Elite is the top card in SBI’s three-card Miles series, sitting above SBI Card Miles Prime (₹2,999) and SBI Card Miles (₹1,499). Its single strongest feature is not the reward rate. It is the 1.99% forex markup, one of the lowest on any Indian credit card, […]
- [AURUM SBI Card Review](https://cardjaano.com/sbi/aurum-sbi-card/): ★ 3.5 / 5 At a Glance Joining Fee ₹9,999 + GST Annual Fee ₹9,999 + GST (waived on ₹12,00,000 annual spend) Best Suited For High spenders who want lounge access, movie tickets and milestone vouchers, not a high reward rate Reward Type AURUM Reward Points (4 RP per ₹100, 1 RP = ₹0.25) The AURUM SBI Card is SBI Card’s most premium product, an invite-only metal card that replaced SBI Card ELITE at the top of the range. It is priced at ₹9,999 + GST, which puts it against HDFC Infinia, ICICI Emeralde Private Metal and HDFC Diners Club Black. […]
- [Titan SBI Card Review](https://cardjaano.com/sbi/titan-sbi-card/): ★ 3.5 / 5 At a Glance Joining Fee ₹2,999 + GST Annual Fee ₹2,999 + GST (reversed on annual spends of ₹3,00,000) Best Suited For Gold and jewellery buyers at Tanishq, Zoya, Mia and CaratLane Reward Type Direct cashback on Titan brands + SBI Reward Points, redeemable only as Titan vouchers Almost every credit card in India quietly excludes jewellery from its rewards programme, or caps it so tightly that a ₹2 lakh Tanishq bill earns you the same as a ₹2,000 grocery run. The Titan SBI Card, launched in March 2024 as Titan’s first co-branded card, is built on […]
- [Reliance SBI Card Review](https://cardjaano.com/sbi/reliance-sbi-card/): ★ 3.0 / 5 At a Glance Joining Fee ₹499 + GST (₹589 payable) Annual Fee ₹499 + GST, waived on ₹1,00,000 annual spends Best Suited For Regular AJIO, JioMart and Reliance Retail shoppers Reward Type Reward Points (1 RP = ₹0.25) + Reliance Retail vouchers The Reliance SBI Card is the entry-level half of SBI Card’s co-branded partnership with Reliance Retail, the premium half being the Reliance SBI Card PRIME. It is built for one specific person: someone who already buys groceries on JioMart, clothes on AJIO or at Reliance Trends, medicines on Netmeds and electronics at Reliance Digital, and […]
- [IndiGo SBI Card Review](https://cardjaano.com/sbi/indigo-sbi-card/): ★ 3.0 / 5 At a Glance Joining Fee ₹1,499 + GST Annual Fee ₹1,499 + GST (no spend-based waiver) Best Suited For Regular IndiGo flyers who book on the IndiGo app or website Reward Type IndiGo BluChips, redeemable only against IndiGo flights Networks Mastercard and RuPay The IndiGo SBI Card is the entry-level card in the co-branded pair SBI Card and IndiGo launched in September 2025, sitting below the ₹4,999 IndiGo SBI Card ELITE. It earns 3 IndiGo BluChips per ₹100 on the IndiGo app and website, 2 per ₹100 on hotel and travel merchants, and 1 per ₹100 everywhere […]
- [PhonePe SBI Card PURPLE Review](https://cardjaano.com/sbi/phonepe-sbi-card-purple/): ★ 3.5 / 5 At a Glance Joining Fee ₹499 + GST Annual Fee ₹499 + GST (reversed on ₹1,00,000 annual spend) Best Suited For Recharges, bill payments and shopping done inside the PhonePe app Reward Type Reward Points: 1 Reward Point = ₹1, redeemable as statement credit or vouchers The PhonePe SBI Card PURPLE is a ₹499 co-branded card built around one idea: if your recharges, DTH, electricity bills, insurance premiums and travel bookings all happen inside the PhonePe app, you get 3% back on them instead of 1%. The welcome gift card covers the joining fee, and the annual […]
- [Flipkart SBI Card Review](https://cardjaano.com/sbi/flipkart-sbi-card/): ★ 3.5 / 5 At a Glance Joining Fee ₹500 + GST (₹590 all-in) Annual Fee ₹500 + GST, reversed on ₹3,50,000 annual spend Best Suited For Regular Flipkart and Myntra shoppers Reward Type Cashback, auto-credited to the statement The Flipkart SBI Card is SBI Card’s co-branded answer to the Flipkart Axis Bank Credit Card, launched in August 2025. The headline is 7.5% cashback on Myntra and 5% on Flipkart, Shopsy and Cleartrip genuinely high rates for a card that costs ₹590 a year including tax. The catch is the cap, and it is the single most important number on this […]
- [CASHBACK SBI Card Review](https://cardjaano.com/sbi/cashback-sbi-card/): ★ 3.5 / 5 At a Glance Joining Fee ₹999 + GST Annual Fee ₹999 + GST (waived on ₹2,00,000 annual spend) Best Suited For Online shopping Reward Type Direct cashback into your statement For six years this was the simplest card in India: 5% back on almost anything you bought online, no merchant list, no points, no redemption screen. That version of the card no longer exists. From 1 April 2026, SBI Card capped the 5% online cashback at ₹2,000 per statement cycle, capped offline 1% cashback separately at ₹2,000, and added digital gaming, tolls and government transactions to an […]
- [SBI Card PRIME Review](https://cardjaano.com/sbi/sbi-card-prime/): ★★★★☆ 3.5 / 5 At a Glance Joining Fee ₹2,999 + GST Annual Fee ₹2,999 + GST (waived on ₹3,00,000 annual spend) Best Suited For Dining, groceries and departmental store spends + occasional lounge use Reward Type Reward Points (1 RP = ₹0.25) SBI Card PRIME is a mid-premium lifestyle card that pays 10 Reward Points per ₹100 on four everyday categories (dining, groceries, departmental stores and movies), which works out to 2.5% value back. Everything else earns 0.5%. The single biggest reason to hold it is not the reward rate at all: it is the milestone voucher stack, which returns […]
- [BPCL SBI Card Review](https://cardjaano.com/sbi/bpcl-sbi-card/): ★★★☆☆ 3.5 / 5 At a Glance Joining Fee ₹499 + 18% GST (₹589 all-in) Annual Fee ₹499 + GST, waived on ₹1,00,000 annual spends Best Suited For People who fill fuel at BPCL pumps and spend ₹4,000–₹10,000 a month on fuel Reward Type Reward Points (4 points = ₹1), redeemable for BPCL fuel The BPCL SBI Card is the entry-level version of SBI Card’s fuel partnership with Bharat Petroleum. It gives you 13 Reward Points per ₹100 spent at BPCL pumps, which works out to 3.25% back, plus a 1% fuel surcharge waiver, 4.25% total value back on fuel, for […]
- [Apollo SBI Card Review](https://cardjaano.com/sbi/apollo-sbi-card-review/): ★★★☆☆ 3.0 / 5 [Card image placeholder Apollo SBI Card, Visa, front-facing] At a Glance Joining Fee ₹499 + 18% GST Annual Fee ₹499 + 18% GST (waived on ₹1,00,000 annual spends) Best Suited For Families who buy medicines, run lab tests or consult doctors inside the Apollo network Reward Type SBI Reward Points, redeemable only as Apollo Health Credits (1 RP = ₹1) The Apollo SBI Card is a healthcare co-brand SBI Card on the payments side, Apollo Hospitals and Apollo Pharmacy on the benefits side. At ₹499 it is the cheaper of the two Apollo cards SBI runs, sitting […]
- [Tata Neu Plus SBI Card Review](https://cardjaano.com/sbi/tata-neu-plus-sbi-card-review/): ★★★★☆ 3.8 / 5 [Card image placeholder: Tata Neu Plus SBI Card, Visa and RuPay variants] At a Glance Joining Fee ₹499 + GST Annual Fee ₹499 + GST (reversed on ₹1,00,000 annual spend) Best Suited For Regular Tata brand shoppers and first-time cardholders Reward Type NeuCoins (1 NeuCoin = ₹1) The Tata Neu Plus SBI Card is the entry-level card in the Tata Neu and SBI Card partnership, sitting below the Tata Neu Infinity SBI Card. Its single biggest hook is that the ₹499 joining fee comes back to you as 499 NeuCoins, so the first year effectively costs nothing […]
- [IndiGo Axis Bank Credit Cards: Welcome Benefits Doubled Until 31 August 2026](https://cardjaano.com/blog/indigo-axis-bank-credit-cards-welcome-benefits-doubled-until-31-august-2026/): Axis Bank is handing out double the usual joining rewards on its co-branded IndiGo cards but only for a limited window. If you have been eyeing an IndiGo co-branded credit card, this is the cheapest time to get one. Axis Bank has launched a limited-period offer that doubles the welcome benefits on its IndiGo credit cards for applications completed by 31 August 2026. What you get (welcome benefit) The ongoing benefits (unchanged) On the Premium card you continue to earn 7 BluChips per ₹100 on IndiGo spends and 2 per ₹100 elsewhere, 5,000 BluChips each year on renewal, milestone vouchers at […]
- [AU Small Finance Bank Launches Lifetime-Free AU Zaggle RuPay Card With Up to 8% Rewards](https://cardjaano.com/blog/au-zaggle-rupay-card/): A new co-branded card built for UPI and Tap & Pay users with no joining or annual fee. AU Small Finance Bank has teamed up with fintech Zaggle to roll out the AU Zaggle RuPay Credit Card, a lifetime-free card aimed squarely at everyday digital spenders. Because it runs on the RuPay network, the card can be linked to UPI, letting you scan-and-pay straight from your credit line and earn rewards while doing it. Rewards come as “Zagg Coins,” which can be redeemed as cashback through the zagg.money app. Each Zagg Coin is worth ₹0.25. Key details What it means for […]
- [Mumbai Metro SBI Card Review](https://cardjaano.com/sbi/mumbai-metro-card/): ★★★★★  (3.0 / 5) [Card image: Mumbai Metro SBI Card, front, angled] At a Glance Joining Fee ₹499 + GST Annual Fee ₹499 + GST (waived on ₹1,00,000 annual spend) Best Suited For Daily Mumbai Metro commuters who also spend on dining, movies and groceries Reward Type Reward Points (1 RP = ₹0.25) The Mumbai Metro SBI Card is a co-branded card from SBI Card built around one idea: your metro smart card and your credit card should be the same piece of plastic. Tap it at the AFC gate to enter the metro, and when the stored balance runs low, the […]
- [IRCTC SBI Credit Card](https://cardjaano.com/sbi/irctc-credit-card/): ★★★☆☆  (3.5 / 5) At a Glance Joining Fee ₹500 + GST Annual (Renewal) Fee ₹300 + GST Best Suited For Regular AC-class train travellers who book on IRCTC Reward Type Reward Points (1 RP = ₹1, redeemable only against IRCTC train tickets) If you book AC train tickets on IRCTC several times a year, this card pays you back up to 10% of the fare in reward points and those points come off your next ticket fare at ₹1 per point. That is the whole pitch, and it is a good one at a ₹500 entry fee. Everything else about the […]
- [Google Pay Flex SBI Card](https://cardjaano.com/sbi/google-pay-flex-sbi-card/): SBI Card and Google announced the Google Pay Flex SBI Card on 28 July 2026, with the card going live for applications from 29 July. It is a fully digital co-branded card you apply for, use and manage inside the Google Pay app, it earns “Stars” worth ₹1 each, and it carries a joining and annual fee of ₹499 + 18% GST, reversed on annual spends of ₹1,00,000. At a Glance Item Detail Announced 28 July 2026 (Mumbai) Applications open 29 July 2026 Joining fee ₹499 + 18% GST (₹589 effective) Annual renewal fee ₹499 + 18% GST Fee reversal On […]
- [SimplyCLICK SBI Card Review](https://cardjaano.com/sbi/simplyclick-sbi-card/): ★★★★★  (4.8 / 5) At a Glance Joining Fee ₹499 + GST Annual Fee ₹499 + GST (reversed on ₹1,00,000 annual spend in the previous card year) Best Suited For Online shoppers who buy from Myntra, Swiggy, BookMyShow, Cleartrip and the other SBI partner brands Reward Type Reward Points (4 points = ₹1) The SimplyCLICK SBI Card is SBI Card’s entry-level online shopping card, and the whole product rests on one number: 10 Reward Points per ₹100 at eleven partner brands, which works out to 2.5% back. Everything else on the card is ordinary: 1.25% on other online spends, 0.25% offline, no […]

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- [Contact Us](https://cardjaano.com/contact-us/): One address reaches us for everything: connect@cardjaano.com We read every email. Below is what we can help with, what we can’t, and roughly how long each takes — so you know before you write whether we’re the right people to ask. What to write to us about You want to… Write to Typical reply Report a wrong fee, cap, or benefit on a page connect@cardjaano.com 1–2 working days Suggest a card or topic to cover connect@cardjaano.com 3–5 working days Ask a general credit card question connect@cardjaano.com 3–5 working days Discuss a partnership or advertising connect@cardjaano.com 3–5 working days Request removal or […]
- [About](https://cardjaano.com/about/): Card Jaano is an independent Indian credit card research site. We read the MITC documents, tabulate the fees, work out what a reward point is actually worth in rupees, and publish the number, including the cap that most articles leave out. If you have ever been told a card gives “great rewards” and then discovered the 5% cashback stopped at ₹500 a month, this site exists for you. Why Card Jaano exists India has over 100 million credit cards in circulation and almost no honest writing about them. Most of what ranks on Google is one of three things: The gap […]
- [Privacy Policy](https://cardjaano.com/privacy-policy/): This policy explains what data Card Jaano collects when you visit this site, why we collect it, who else sees it, and what you can make us do about it. We’ve written it in plain English rather than legal boilerplate. Where a term is unavoidable, it’s explained the first time it appears. In one line: we don’t sell your data, we don’t ask you to register, and the only personal information most readers ever give us is an email address because you chose to send one. 1. Who we are Card Jaano (“we”, “us”) publishes credit card research at cardjaano.com. Under […]

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