Best credit cards for EMI

Heads-up: 10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing…

Heads-up: Points cover at most 70% of a train fare, so the headline 5% is closer to 3.5% when you pay with points alone.

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: This card is secured against a fixed deposit of Rs. 2,000 or more. The deposit is locked for as long as the card is held.

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.

Heads-up: Earning is capped hard: 500 Reward Points a month on Shoppers Stop and 1,000 a month on everything else. A large purchase does not earn…

Heads-up: 4 Reward Points are worth Re. 1, so 25 points per Rs. 100 on BPCL is an effective 6.25% back, and 7.25% only once the 1% surcharge waiver…

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Heads-up: Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than…

Heads-up: 4 Reward Points are worth Re. 1, so 13X on BPCL is an effective 3.25% back and 4.25% only once the 1% surcharge waiver is counted. The base…

Heads-up: SBI Card discontinued issuance of the Yatra SBI Card with effect from 28 March 2025. The welcome gift and all Yatra.com travel discount…

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued with effect from 1 September 2023.

Heads-up: Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or…

Heads-up: Reward Points are credited to the OlaMoney Wallet. They can be transferred to SBI Rewards, but cannot be taken as cashback or statement…

Heads-up: A Reward Point is worth Rs. 0.25, so 10 points per Rs. 100 is an effective 2.5% back and the base rate is 0.125%.

Heads-up: A Reward Point is worth Rs. 0.25, so the headline 20 points per Rs. 100 is an effective 5% back, and the base rate is 0.25%.

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: First Citizen Points are a Shoppers Stop currency — they redeem there and nowhere else, under that programme's own rules.

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: Reward Points are credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or airline…

Heads-up: 4 Reward Points are worth Re. 1, so 10 points per Rs. 150 is an effective 1.67% back and the base rate is about 0.17%.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.

Heads-up: Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders…

Heads-up: A Reward Point is worth Rs. 0.25, so the headline rates convert at a quarter of their face value. 20 points per Rs. 100 is an effective 5%…

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: The Rs. 4,999 annual fee is reversed only on annual spends of Rs. 15,00,000 — the highest threshold on any SBI card.

Heads-up: Travel Credits are worth what the transfer partner gives them. SBI Card publishes no fixed rupee rate.

Heads-up: SBI Card discontinued new issuance of this card from 11 March 2025, and Etihad Guest co-branded benefits (including Miles earning) ended on…

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.

Heads-up: Zero Vantage Points on ALL international spends, effective 10 July 2026 — a major devaluation from the earlier terms, which paid 8 points…

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…