No rewards apart from milestone benefits. 

Users will get 3 reward points per INR 100 spent at Ikea. Value of 1 reward point: INR 0.20.  Ikea cashback rate: 0.6%. Get 2 reward points per INR 100 spent on dining transactions.  Dining cashback rate: 0.4%. Get 1 reward point on all other spends. General cashback rate: 0.2%.

• 1 RP = Rs. 0.6. 

• Customers get 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every INR 100 spent, Cashback Rate:4.2%). 

• 10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every INR 100 spent, Cashback Rate: 3%). 

• 10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%). 

• 2 First Citizen Reward Points/Rs.200 on other spends (Effective Cashback Rate: 0.6%). 

• Customers can earn 5 reward points per INR 150 spent on all categories except fuel and utility bill payment. 

• 1 RP =INR 1. 

• Effective cashback rate: 3.33%. 

• Earn 5 reward points for every INR 100 spent on domestic purchases, and 

• 10 reward points for every INR 100 spent on international spends. 

• 1 RP =0.25paise. 

• Domestic cashback rate: 1.25%, and 

• International cashback rate: 2.5%.