Not applicable as a spend waiver: the card is lifetime free with no joining or annual fee.
Value awaiting review
Designated Assam Rifles personnel and Assam Rifles veterans
primary cardholder age 18–70 years
issuer-required income proof and final approval.
Value awaiting review
3.75% per month
3%
The Sentinel page captured on 15 August says 10 Reward Points per ₹100 on departmental stores and movies, and 2 points on other categories. The July 2026 terms list 2 core points per ₹100 and departmental-store acceleration only, capped at 1,000 accelerated points per statement cycle. Movie eligibility conflicts
confirm the current issuer rule before comparing.
500 welcome Reward Points on spends of ₹5,000 within 60 days
5X rewards of 10 Reward Points per ₹100 on departmental stores and movies, capped at 1,000 accelerated points per month
2 points per ₹100 on other eligible categories
12-month Amazon Prime membership after ₹1,00,000 spend within 90 days
12-month FITPASS PRO membership for cards issued on or after 1 August 2026
8 domestic lounge visits per year subject to ₹20,000 preceding-quarter spend
1% fuel-surcharge waiver on ₹400–₹5,000 fuel transactions capped at ₹250 per statement cycle
₹20 lakh air/non-air accidental-death cover
Smart for purchases above ₹2,500over 6–48 months.
8 complimentary domestic airport-lounge visits per year (two per quarter), subject to minimum net eligible spends of ₹20,000 in the preceding calendar quarter.
Annual fee waived on anniversary-year spends of ₹1,00,000
Value awaiting review
Indian resident
age 21–60
corporate applicant must have an eligible Bank of Baroda relationship.
Value awaiting review
3.75% per month
3.5% of the transaction amount
CORPORATE reward points redeem for cashback at ₹0.25 per point.
50-days interest-free credit period to give efficient credit support to your new business endeavours. Also, earn 1 Reward Point* for every ₹100 spent. You can redeem all your accumulated reward points for cashback @1 reward point = ₹0.25
Annual fee reversed on preceding-year spends of ₹50,000.
Bank of Baroda self-employed customers: ₹3.6 lakh net annual income
non–Bank of Baroda self-employed customers: ₹4.8 lakh net annual income.
Indian resident
self-employed or proprietor
primary cardholder age 24–65.
Value awaiting review
3.75% per month
3.5% of the transaction amount
Earn 1 Reward Point per ₹100 spent
accumulated points can be redeemed as Cashback. The page also states that ₹50,000 annual spend waives the next year's annual fee.
Up to 50 Days Interest Free Credit Period to support your business credit needs. This card comes to you with your Business Name on it through a fourth-line embossing.
Earn 1 Reward Point* for every ₹100 spent on your card and redeem your reward points as Cashback with no maximum capping on reward points to earn. Spend ₹50,000 in a year for waiver of next year’s annual fee
No airport lounge access benefit is listed for EMPOWER on the current product page.
Annual fee waived on anniversary-year spends of ₹3,00,000
Minimum annual income of ₹6 lakh for the Base Variant.
Indian resident
primary age 21–65
income proof
issuer approval.
Value awaiting review
45% per annum
1%
3 Etihad Guest Miles per ₹100 on Etihad Airways
1 Mile per ₹100 on other domestic and cross-border spends.
Airport Lounge Access: 8 domestic + 4 international complimentary lounge visits per year. Milestone Bonuses: Get additional bonus miles on monthly, quarterly & annual spends.
Low Forex Mark-up: 1% forex mark-up on overseas transactions, making international travel spends more cost-effective. Bonus 7500 Welcome Miles Offer - Valid till 31st August, 2026
8 domestic and 4 international airport lounge visits.
Mastercard (Visa variant announced as forthcoming)
Annual fee waived on anniversary-year spends of ₹5,00,000
Minimum annual income of ₹12 lakh for the Premium Variant.
Indian resident
primary age 21–65
income proof
issuer approval.
Value awaiting review
45% per annum
0%
↓
6 Etihad Guest Miles per ₹100 on Etihad Airways
2 Miles per ₹100 on other domestic and cross-border spends.
Complimentary Airport Lounge Access: 12 domestic + 8 international lounge visits per year. Milestone Bonuses: Get additional miles on monthly, quarterly & annual spends.
Zero Forex Mark-up: No forex mark-up on overseas transactions, ideal for international travel. Bonus 15000 Welcome Miles Offer - Valid till 31st August, 2026
12 domestic and 8 international airport lounge visits.
Mastercard (Visa variant scheduled to be introduced)
Annual fee waived on anniversary-year spends of ₹50,000
Value awaiting review
Micro-enterprise applicant under the Micro Enterprise programme
income and business documents follow the issuer's application review.
Value awaiting review
1.5% per month
↓
3.5% of the transaction amount
1 Reward Point per ₹100 on eligible spends
1 Reward Point per ₹100 on eligible spends
1% fuel-surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹250 per statement cycle
Up to 50 days interest-free credit
₹500 annual fee waived on ₹50,000 annual spends
Finance charge of 1.5% per month or 18% per annum
No airport-lounge access benefit is listed for Micro Enterprise in the current catalogue. Its published benefit labels are rewards, interest-free credit and annual-fee waiver.
No waiver spend is required for the stated no-joining-fee/no-annual-fee lifetime-free offer
Value awaiting review
Indian resident
street vendor registered under SVANidhi
the Ministry of Housing and Urban Affairs identifies successful repayment of the second loan tranche as the qualifying scheme condition. indexed product-page bullet is truncated after ‘Has repaid 1st &…’, so its complete issuer wording and any additional criteria remain under review.
Up to ₹30,000 under the SVANidhi -linked RuPay credit-card scheme.
The Scapia eligibility check requires an Indian resident who is 25–60 and salaried or self-employed
it does not publish a numeric income threshold. The digital journey verifies the required details automatically, so no separate income-proof amount is stated.
Indian resident
salaried or self-employed
age 25–60.
Value awaiting review
45% per annum
0%
↓
20% rewards on travel bookings through the Scapia app
10% rewards on eligible Visa spends and 5% on eligible RuPay/ spends
20% rewards on travel bookings through the Scapia app
10% rewards on eligible Visa spends and 5% on eligible RuPay/ spends
Unlimited domestic lounge access on qualifying ₹20,000 monthly spends
Zero forex markup
Unlimited domestic lounge access after ₹20,000 monthly spend
lounge benefit is capped at ₹1,000 per eligible visit under the card terms.
Visa or RuPay variant
rewards and minimum transaction rules differ by network.
Annual fee waived on anniversary-year spends of ₹2,50,000
Value awaiting review
Indian resident woman
primary cardholder age 25–55 years, with noting that lower or higher cut-offs may be considered at its discretion
income proof is required and final approval is by .
Value awaiting review
From 15 July 2026, Eterna and Tiara finance charges are 3.75% per month (45% per annum), revised from 3.25% per month (39% per annum).
2%
5X Rewards i.e. 15 Reward Points for every ₹100 spent on Dining, Travel, and International spends. 3 Reward Points per ₹100 spent on other purchases.
5X Rewards i.e. 15 Reward Points for every ₹100 spent on Dining, Travel, and International spends. 3 Reward Points per ₹100 spent on other purchases.
Complimentary Memberships & Perks worth up to ₹31K / year: Women's Health Package including Pap Smear & Blood Tests and Mammography package | Shopping & Membership vouchers from Nykaa, Myntra, Flipkart, Amazon Prime, Gaana Plus, Big Basket, Swiggy One | Unlimited Domestic Airport Lounge Access
Unlimited domestic lounge visits
minimum net spends of ₹40,000 in the preceding calendar quarter are required.
members: salaried customers need ₹3 lakh net annual income or above
self-employed customers need ₹3 lakh annual or above.
Indian resident
active member
age 21–75
₹3 lakh annual income/.
Value awaiting review
3.75% per month
2%
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
4000 Reward Points every quarter on Milestone spends
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
12 Complimentary Domestic Airport Lounge Access per year |4000 Reward Points every quarter on Milestone spends | Professional Indemnity Insurance Cover of ₹5 Lakh
Three domestic lounge visits per quarter
minimum net spends of ₹40,000 in the preceding calendar quarter are required.
members: salaried customers need ₹3 lakh net annual income or above
self-employed customers need ₹3 lakh annual or above.
Indian resident
active member
age 21–75
₹3 lakh annual income/.
Value awaiting review
3.75% per month
2%
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
4000 Reward Points every quarter on Milestone spends
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
12 Complimentary Domestic Airport Lounge Access per year |4000 Reward Points every quarter on Milestone spends | Professional Indemnity Insurance Cover of ₹5 Lakh
Three domestic lounge visits per quarter
minimum net spends of ₹40,000 in the preceding calendar quarter are required.
Salaried members: ₹3 lakh net annual income or above
self-employed members: ₹3 lakh annual or above.
Indian resident
primary age 21–65
income proof
issuer approval.
Value awaiting review
3.75% per month
2%
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
4000 Reward Points every quarter on Milestone spends
5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
12 Complimentary Domestic Airport Lounge Access per year |4000 Reward Points every quarter on Milestone spends | Professional Indemnity Insurance Cover of ₹5 Lakh
Three domestic lounge visits per quarter
minimum net spends of ₹40,000 in the preceding calendar quarter are required.
Reward points earned on INDIAN ARMY YODDHA can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 10 reward points per ₹100 on departmental-store spends (5X, capped at 1,000 points per month) and 2 points per ₹100 on other eligible categories.
5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Points for every ₹100 spent on any other categories.
Complimentary Memberships & Perks: 12 Months Amazon Prime Membership on milestone spends |8 Domestic Airport Lounge Access per year
Two domestic lounge visits per quarter
minimum net spends of ₹20,000 in the preceding calendar quarter are required.
Reward points earned on Indian Coast Guard Rakshamah can be redeemed as statement cashback at ₹0.25 per reward point. The card earns 10 reward points per ₹100 on departmental-store spends (5X, capped at 1,000 points per month) and 2 points per ₹100 on other eligible categories.
5X Rewards i.e. 10 Reward Points for every ₹100 spent on Departmental Stores and Movie. 2 Reward Point for every ₹100 spent on any other categories.
Complimentary Memberships & Perks: 12 Months Amazon Prime Membership on milestone spends |8 Domestic Airport Lounge Access per year
Two domestic lounge visits per quarter
minimum net spends of ₹20,000 in the preceding calendar quarter are required.
Reward points on Indian Navy VARUNAH can be redeemed as cashback at ₹0.25 per reward point. The official page publishes 15 reward points per ₹100 on travel, dining, online and international spends and 3 points per ₹100 on other categories
fuel transactions do not earn reward points.
5X i.e.15 Rewards Points for every Rs.100 spent on Travel, Dining, Online & International Spends. 3 Reward Point for every ₹100 spent on any other categories.
Complimentary Memberships & Perks: 12 Months Amazon Prime Membership | Umlimited Domestic Airport Lounge Access with Varunah Premium
Umlimited Domestic Airport Lounge Access with Varunah Premium
Joining fee of ₹11,999 is waived when ₹2.5 lakh is spent within 90 days of issuance
of ₹11,999 is waived for yearly spends of ₹8 lakh or more.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
2+1 complimentary nights at select ITC hotels, 1+1 dining and 1+1 spa for resident customers
₹400 for the principal card and ₹300 for an add-on card (before ).
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
Three-month Swiggy One membership per year, ₹250 Flipkart voucher per quarter and RuPay portal offers are published.
Four complimentary domestic lounge visits per year and two international lounge visits per year, subject to RuPay programme changes.
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
RuPay merchant offers, 24×7 concierge and personal-accident/permanent-disability cover up to ₹2 lakh are published
₹800 for the principal card and ₹600 for an add-on card (before ).
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
Amazon Prime annual membership
three-month Swiggy One membership per annum
₹200 BigBasket voucher each month
₹250 off at BookMyShow on a minimum two-ticket purchase each month
annual health check
concierge and RuPay portal offers.
Two complimentary domestic lounge visits per quarter and two international lounge visits per calendar year, subject to RuPay programme changes.
₹500 for the principal card and ₹500 for an add-on card (before ).
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
Sony LIV, Amazon Prime or Hotstar annual subscription
annual health check
O2 Spa up to ₹2,000 once per quarter
Lakme ₹1,500, Myntra/Flipkart ₹250 and Nykaa ₹500 vouchers once per quarter
RuPay portal offers.
Two complimentary domestic lounge visits per quarter and two international lounge visits per year, subject to RuPay programme changes.
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
The reviewed page publishes a term-deposit-secured RuPay card, 2X eligible points and international/domestic acceptance
no separate partner voucher or subscription offer is published.
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
The reviewed Visa Gold page publishes Worldline- and 2X rewards but no separate voucher, subscription or partner-offer schedule.
No card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories
eligibility should be confirmed with the issuing branch.
No universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns
final approval and limit are assessed by the bank.
Applicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed and be an Indian resident, or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.
Value awaiting review
The current states 2.00% per month (24% p.a.) on unsecured credit
default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the .
3% of the foreign-currency transaction amount for all currencies other than , including , e-commerce and cash withdrawals
applicable taxes are extra where charged.
No statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or . Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.
The page publishes a ₹250 Amazon or Zomato activation voucher, merchant discounts up to 20%, Visa offers and concierge/dining benefits.
Not applicable: the card is published as lifetime free, so no spend-based waiver threshold is listed.
No income proof required
the published eligibility is -backed rather than salary-based.
Minimum age 18. Applicant must maintain a freehold Bank of Maharashtra fixed deposit of at least ₹12,500. The page says upper-age relaxation is available and no income proof is required.
Value awaiting review
Value awaiting review
Value awaiting review
One reward point for every ₹100 spent, or multiple thereof
points can be converted into e-vouchers or merchandise.
Up to ₹200 per month.
Domestic airport lounge access at select 30+ lounges, twice per quarter.
₹150 inactivity fee applies when annual turnover is below ₹25,000.
Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹25,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹200 inactivity fee applies when annual turnover is below ₹50,000.
Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹50,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
2 domestic lounge visits per quarter for the cardholder and 1 guest.
₹150 inactivity fee applies when annual turnover is below ₹25,000.
Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹25,00,000
24% per annum (2.0% per month), secured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹100 inactivity fee applies when annual turnover is below ₹12,000.
Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
↓
Value awaiting review
₹5,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
After the initial fee waiver, annual fee is at most 1% of card limit or ₹1,000, whichever is lower.
No joining fee for the initial 10 lakh customers/cards across financial institutions
up to ₹500 RuPay joining fee reimbursement is described.
No minimum salary or income amount is published
eligibility uses micro-enterprise turnover, promoter score and underwriting data.
Valid Udyam micro enterprise (investment up to ₹2.5 crore and turnover up to ₹10 crore), promoter scores above 650 (or -1/0 for no history), age 18–75, 1–6 where applicable, Moderate Risk or better and no /wilful default/OTS/write-off. Existing WC limit must not be expired.
Value awaiting review
after the free credit period must not exceed 18% where credit guarantee is available.
Value awaiting review
Cashback points on regular spends are listed as benefits, with details subject to bank policy.
Fuel-surcharge waiver and discounts at selected merchants/categories are offered as per bank-approved policy.
₹100 inactivity fee applies when annual turnover is below ₹12,000.
Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
↓
Value awaiting review
₹5,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹200 inactivity fee applies when annual turnover is below ₹50,000.
Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹50,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹200 inactivity fee applies when annual turnover is below ₹50,000.
Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹50,00,000
24% per annum (2.0% per month), secured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
Annual fee is Nil. A ₹300 inactivity fee applies when annual card turnover is below ₹1,00,000 for RuPay Select, RuPay Select Secured and Mastercard World.
Independent income of at least ₹10 lakh gross per annum for Select/World variants. The policy permits relaxation for secured cards against deposits.
Value awaiting review
₹50,00,000
24% per annum (2.0% per month), secured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹100 inactivity fee applies when annual turnover is below ₹12,000.
Independent income of at least ₹2 lakh gross per annum for individuals. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
↓
Value awaiting review
₹5,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
the matrix separately lists a ₹250 primary-card enrolment fee.
₹400 annual fee per add-on card
₹250 primary-card enrolment fee
no inactivity fee.
Visa Signature requires independent income of at least ₹10 lakh gross per annum. Visa Corporate requires the customer to be a Canara Bank customer and the firm to have at least ₹10 crore annual turnover
below ₹10 crore, a lien-backed fixed-deposit card may be sanctioned.
Value awaiting review
₹25,00,00,000
30% per annum (2.5% per month).
3% of the transaction amount.
Not applicable.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹150 inactivity fee applies when annual turnover is below ₹25,000.
Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹25,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹200 inactivity fee applies when annual turnover is below ₹50,000.
Independent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹50,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹150 inactivity fee applies when annual turnover is below ₹25,000.
Independent income of at least ₹3 lakh gross per annum for Gold cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.
Value awaiting review
₹25,00,000
24% per annum (2.0% per month), secured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
₹1,000 inactivity fee applies when annual turnover is below ₹2,00,000.
Visa Signature requires independent income of at least ₹10 lakh gross per annum. Visa Corporate requires the customer to be a Canara Bank customer and the firm to have at least ₹10 crore annual turnover
below ₹10 crore, a lien-backed fixed-deposit card may be sanctioned.
Independent income with a minimum of ₹10 lakh gross per annum for individuals.
₹50,00,000
30% per annum (2.5% per month), unsecured.
3% of the transaction amount.
2 reward points per ₹100 of /e-commerce spend
fractions of ₹100 do not earn points.
Seasonal offers are available on Canara Cards
applicable offers and exclusions are controlled by the linked offer terms.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
23.88% per annum for purchases (1.99% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
No reward-points programme.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
No lounge access programme.
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
19.92% per annum for purchases (1.66% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
1 reward point valued at ₹1 for every ₹100 spent.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
Complimentary lounge access is published for RuPay Platinum and RuPay Select
the visit quota is not stated.
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
19.92% per annum for purchases (1.66% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
1 reward point valued at ₹1 for every ₹100 spent.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
Complimentary lounge access is published for RuPay Platinum and RuPay Select
the visit quota is not stated.
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
21.48% per annum for purchases (1.79% per month)
cash withdrawals are 1.99% per month /23.88% annualised.
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
No reward-points programme.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
Not included in the published Visa Bharat feature sheet.
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
23.88% per annum for purchases (1.99% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
1 reward point valued at ₹1 for every ₹200 spent.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
Value awaiting review
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
23.88% per annum for purchases (1.99% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
1 reward point valued at ₹1 for every ₹100 spent.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
Value awaiting review
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
Visa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.
Annual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business
joining fee is nil.
Value awaiting review
Indian Bank card applicants are subject to issuer assessment
Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.
Value awaiting review
19.92% per annum for purchases (1.66% per month)
cash withdrawals are 27.00% annualised (2.25% per month).
3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards
not applicable to Visa Bharat and RuPay Classic in the schedule.
1 reward point valued at ₹1 for every ₹100 spent.
Visa and RuPay network offers are linked from the official page
offer catalogue and eligibility can change by network and merchant.
The reviewed Indian Bank catalogue lists lifestyle privileges but does not publish a numerical lounge quota for Visa Platinum.
Visa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa
RuPay Classic, RuPay Platinum and RuPay Select use RuPay.
waiver conditions are governed by the current LUXURA terms.
Joining fee ₹9,000 plus
current terms state reimbursement when spends exceed ₹2.5 lakh within three billing cycles. Annual-fee waiver threshold is not stated on the reviewed product page.
Salaried gross monthly income ₹1.50 lakh
non-salaried annual income ₹18 lakh
route minimum ₹1.50 lakh.
Literate applicants aged 21–70
salaried, non-salaried and -backed routes are published
limit ₹1 lakh–₹50 lakh under PNB risk model.
Value awaiting review
35.89% per annum on regular revolving credit
19.56% per annum for -backed cards.
Nil.
4 reward points (worth ₹1) per ₹100 spent
20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.
3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.
Unlimited complimentary domestic and international lounge access.
waiver conditions are governed by the current LUXURA terms.
Joining fee ₹4,999 plus
current terms state reimbursement when spends exceed ₹1.5 lakh within three billing cycles. Annual-fee waiver threshold is not stated on the reviewed product page.
Salaried gross monthly income ₹1.50 lakh
non-salaried annual income ₹18 lakh
route minimum ₹1.50 lakh.
Literate applicants aged 21–70
salaried, non-salaried and -backed routes are published
limit ₹1 lakh–₹50 lakh under PNB risk model.
Value awaiting review
35.89% per annum on regular revolving credit
19.56% per annum for -backed cards.
Nil.
4 reward points (worth ₹1) per ₹100 spent
20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.
3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.
Unlimited complimentary domestic and international lounge access.
waived when the card is used at least once in each quarter of the preceding year.
Nil joining fee under PQCC
₹500 annual fee is waived after at least one card use in each quarter of the preceding year.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
Exclusive cashback is offered on utility-bill payments, eateries and restaurants. The reviewed PNB card portal does not publish a percentage or transaction cap for this shared benefit.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
Domestic and international lounge access is listed
visit quota and spend conditions are not stated on the PQCC page.
RuPay Platinum
the Rakshak variant is issued as RuPay Platinum Rakshak.
waived when the card is used at least once in each quarter of the preceding year.
Nil joining fee under PQCC
₹750 annual fee is waived after at least one card use in each quarter of the preceding year.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
Exclusive cashback is offered on utility-bill payments, eateries and restaurants. The reviewed PNB card portal does not publish a percentage or transaction cap for this shared benefit.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
Domestic and international lounge access is listed
visit quota and spend conditions are not stated on the PQCC page.
RuPay Select
the Rakshak variant is issued as RuPay Select Rakshak.
waived when annual card spends reach ₹1 lakh in the previous financial year.
Annual fee waived at ₹1 lakh previous-financial-year spends
joining fee ₹399 and add-on joining fee ₹399.
Minimum gross annual income ₹5 lakh.
Primary applicant minimum age 21
add-on holder minimum age 18. -backed cardholders may be 18+ with no maximum age stated. Minimum gross annual income ₹5 lakh.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
2 reward points per ₹150 spent
300+ reward points on activation/first qualifying use. Rewardz supports vouchers, merchandise, movie tickets, hotel bookings, recharges and cashback redemption.
Merchant offers plus complimentary health check-up, golf, spa and gym sessions
individual offer values are not published on the reviewed page.
Domestic and international lounge access programme
waived when the card is used at least once in each quarter of the preceding year.
Nil joining fee under PQCC
₹500 annual fee is waived after at least one card use in each quarter of the preceding year.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
Exclusive cashback is offered on utility-bill payments, eateries and restaurants. The reviewed PNB card portal does not publish a percentage or transaction cap for this shared benefit.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
Domestic and international lounge access is listed
visit quota and spend conditions are not stated on the PQCC page.
RuPay Platinum
the Rakshak variant is issued as RuPay Platinum Rakshak.
waived when the card is used at least once in each quarter of the preceding year.
Nil joining fee under PQCC
₹750 annual fee is waived after at least one card use in each quarter of the preceding year.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
Exclusive cashback is offered on utility-bill payments, eateries and restaurants. The reviewed PNB card portal does not publish a percentage or transaction cap for this shared benefit.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
Domestic and international lounge access is listed
visit quota and spend conditions are not stated on the PQCC page.
RuPay Select
the Rakshak variant is issued as RuPay Select Rakshak.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
1 reward point for every ₹100 spent.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
₹500 per year. The annual charge is waived if preceding-year usage exceeds the card limit, there is at least one retail transaction in every calendar quarter, and the account has never been irregular.
Nil joining fee under PQCC
₹500 annual charge is waived only when all three published usage, quarterly-retail and account-regularity conditions are met.
PNB does not publish one universal income floor for PQCC. Published target bands are: staff/ex-staff and salaried or PNB housing/car/personal-loan borrowers ₹10,000–₹50,000 for RuPay Platinum/Visa Classic and ₹50,000–₹5 lakh for RuPay Select/Visa Platinum
Rakshak Plus customers ₹25,000–₹5 lakh for Rakshak Platinum and ₹50,000–₹5 lakh for Rakshak Select
customers ₹60,000–₹2 lakh for RuPay Select/Visa Platinum. PNB also requires a quarterly average balance of at least ₹50,000 for the segment.
PQCC is offered only to selected existing PNB customers: salary-account customers, staff/ex-staff, Rakshak Plus customers, PNB housing/car/personal-loan borrowers and customers with of at least ₹50,000. PNB checks age, educational qualification, gross annual income, score, no 90+ days-past-due event in the last 12 months, no overdue, no written-off/settled/suit-filed amount, enquiries and no live PNB card. must be 700 or above (or 0/−1 where stated) for staff, ex-staff, salaried and Rakshak Plus customers, and 750 or above for housing/car/personal-loan borrowers and customers.
Value awaiting review
Value awaiting review
3.50% of the transaction amount over and above the currency-conversion rate
and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.
2 reward points for every ₹150 spent.
No joining fee for the PQCC target segment, instant virtual-card issuance after digital confirmation, and physical-card delivery within a maximum of seven days. Applications are available through PNB ONE, Internet Banking or PNB's credit-card website
variant availability is pre-qualified and cannot be changed in the journey.
Renewal fee reversed on preceding-year annual spends of ₹2 lakh or more
Value awaiting review
Basic Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile
final approval is subject to Card assessment
Value awaiting review
Up to 45% per annum for unsecured cards
3.5% dynamic-currency-conversion fee under the current general rule
10 Reward Points per ₹100 (10% value back) on eligible online AC1, AC2, AC3, Executive Chair Car and Chair Car ticket base fares
1 Reward Point per ₹125 on eligible non-fuel retail spends
Renewal fee reversed at ₹2 lakh preceding-year spend
railway and reward benefits remain subject to the linked loyalty and fare terms
Complimentary railway-lounge access for the primary cardholder with a valid train ticket. Each visit includes up to 2 hours, air-conditioned seating, one buffet meal, unlimited tea and coffee, Wi-Fi, newspapers/magazines, washrooms and charging points. A ₹2 card validation charge applies
guests and services beyond the included facilities are chargeable.
Visa or RuPay variant. The booklet describes acceptance at outlets displaying the Visa/RuPay logo and Visa/RuPay global assistance.
3 Reward Points per ₹100 on eligible PhonePe spends (monthly cap 1,000 points)
2 points per ₹100 on eligible online spends (monthly cap 1,000)
1 point per ₹100 on other eligible spends (monthly cap 750). The PhonePe-spend cap is split between eligible PhonePe insurance spends (maximum 250 points) and other eligible PhonePe spends (maximum 750). 1 point = ₹1. The monthly point caps and the additional exclusions effective 1 July 2026 apply.
PhonePe Gift Card worth ₹500
No complimentary airport-lounge entitlement is stated for PhonePe Card PURPLE on the reviewed product page or in the current shared Card /.
10 Reward Points per ₹100 on eligible PhonePe spends (monthly cap 2,000 points)
5 points per ₹100 on eligible online spends (monthly cap 2,000)
1 point per ₹100 on other eligible spends (monthly cap 1,000). The PhonePe-spend cap is split between eligible PhonePe insurance spends (maximum 500 points) and other eligible PhonePe spends (maximum 1,500). 1 point = ₹1. The monthly point caps and the additional exclusions effective 1 July 2026 apply.
PhonePe e-Gift Card worth ₹1,500
4 complimentary domestic visits per year, maximum 1 per quarter
Annual fee waived when card usage in the last 12 months reaches ₹2.70 lakh
Minimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants
U-Secure cards against Union Bank term deposits do not require income proof
Resident individuals and with full
salaried applicants aged 21–65 and business/professional/other applicants aged 21–70
minimum net annual income ₹2.50 lakh
CIC score 650+ for government/ applicants and 700+ for others
and income evidence required unless using the U-Secure deposit route
Value awaiting review
30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balances
3% foreign-currency markup fee
Value awaiting review
Global acceptance, 21–50-day free credit period, lost-card insurance, alerts, e-mail statements and optional group personal-accident cover
partner/network offers vary by variant
Value awaiting review
Variant network is Visa, RuPay or JCB as named in the product title
network benefits and offers follow the sponsoring network and co-brand terms
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
ASSAM RIFLES THE SENTINEL BOBCARDBank of Baroda
BOBCARD CASHBACKBank of Baroda
BOBCARD CORPORATEBank of Baroda
BOBCARD EASYBank of Baroda
BOBCARD EMPOWERBank of Baroda
BOBCARD ETERNABank of Baroda
BOBCARD Etihad Guest Credit CardBank of Baroda
BOBCARD Etihad Guest Premium Credit CardBank of Baroda
BOBCARD OneBank of Baroda
BOBCARD PREMIERBank of Baroda
BOBCARD PRIMEBank of Baroda
BOBCARD SELECTBank of Baroda
BOBCARD SwavlambanBank of Baroda
BOBCARD TIARABank of Baroda
BOBCARD VIKRAMBank of Baroda
CMA One BOBCARDBank of Baroda
HPCL ENERGIE BOBCARDBank of Baroda
ICAI EXCLUSIVE BOBCARDBank of Baroda
ICSI DIAMOND BOBCARDBank of Baroda
INDIAN ARMY YODDHA BOBCARDBank of Baroda
Indian Coast Guard Rakshamah BOBCARDBank of Baroda
Indian Navy Varunah BOBCARDBank of Baroda
Instant RuPay BOBCARDBank of Baroda
IRCTC BOBCARDBank of Baroda
Nainital RENAISSANCE BOBCARDBank of Baroda
SNAPDEAL BOBCARDBank of Baroda
PNB Metal Credit Card LUXURA RuPay EkaaPunjab National Bank
PNB Metal Credit Card LUXURA Visa InfinitePunjab National Bank
PNB Visa Signature Credit CardPunjab National Bank
Apollo SBI CardState Bank of India
BPCL SBI CardState Bank of India
CASHBACK SBI CardState Bank of India
Flipkart SBI CardState Bank of India
IndiGo SBI CardState Bank of India
IndiGo SBI Card ELITEState Bank of India
PhonePe SBI Card PURPLEState Bank of India
PhonePe SBI Card SELECT BLACKState Bank of India
SBI Card ELITEState Bank of India
SBI Card MILESState Bank of India
SBI Card MILES ELITEState Bank of India
SBI Card MILES PRIMEState Bank of India
SBI Card PRIMEState Bank of India
SBI Card PULSEState Bank of India
SimplyCLICK SBI CardState Bank of India
SimplySAVE SBI CardState Bank of India
Tata Neu Infinity SBI CardState Bank of India
Tata Neu Plus SBI CardState Bank of India
