Users will get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. 20 reward points per INR 100 spent on standing instructions of utility bill payments. Effective utility bill payment cashback rate: 5%. 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 20 reward points per INR 100  spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 reward points per calendar year). 

Reward System: Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

Users will earn upto 30 reward points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (30 reward points when booked for self and 10 reward points when booked for others). Value of 1 reward point = INR 0.25. Points can also be converted into air miles. 1 point = 1 air mile. Air miles can be redeemed for air tickets. Air India travel cashback rate: 7.5%. 4 reward points for every INR 100 spent on all other spends. General cashback rate:1%.

Users can earn upto 15 reward points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (15 reward points when booked for self and 5 reward points when booked for others). Value of 1 reward point = INR 0.25. 1 point can also be converted into air miles. 1 point = 1 air mile. Air miles can be redeemed for air tickets. Air India travel cashback rate: 3.75%. 2 reward points for every INR100 spent on all other spends. General cashback rate: INR 0.5%.

Users will get 6 reward points for every INR 100 spent on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month) and international spent (Up to 5000 reward points per month). Value of 1 reward point = INR0.25. Cashback percentage: 1.5%. 1 reward point on every INR 100 spent on all other categories. General cashback rate: 0.25%.