Spend targets / 23 matches
Cards that unlock bonus points, vouchers, travel awards, higher earn rates or access benefits at published spend thresholds.
Milestone eligibility is based on eligible posted spend. Excluded categories, refunds and reversals may not count even when they appear in total card spend.
American Express
Why it qualifies
Bonus Membership Rewards at Rs 4 lakh and a Taj voucher at Rs 7 lakh eligible annual spend
Current programme offers 10,000 bonus points and a Rs 20,000 Taj voucher respectively; spend exclusions and benefit-claim terms apply.
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ICICI Bank
Why it qualifies
Klook at Rs 2L; WeWork or transfers at Rs 5L; Tata CLiQ Luxury at Rs 10L; Ayatana or Lohono at Rs 20L
Eligible annual spend, voucher choices, booking and fulfilment terms apply at each tier.
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HDFC Bank
Why it qualifies
10,000 bonus RP at Rs 4L spend in a calendar quarter
Eligible-spend rules apply.
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Axis Bank
Why it qualifies
2,500 EDGE Miles at Rs 3L, another 2,500 at Rs 7.5L and 5,000 at Rs 15L
Gold, jewellery, rent, wallet, government, insurance, fuel and utility spends do not count.
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IndusInd Bank
Why it qualifies
18,000 Avios at Rs 8L and another 18,000 at Rs 16L
Anniversary-year eligible spend applies.
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ICICI Bank
Why it qualifies
Rs 3,000 EaseMyTrip voucher at Rs 4L and another Rs 3,000 at Rs 8L
Eligible annual spend and voucher terms apply.
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HDFC Bank
Why it qualifies
Rs 5,000 voucher at each Rs 5L, up to Rs 20,000 yearly
Eligible business spend rules apply.
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HDFC Bank
Why it qualifies
Free Night Awards at Rs 6L, Rs 9L and Rs 15L spends
Award values and validity follow Marriott terms. Standard FNA, Silver and elite-night benefits apply to qualifying paid cards; lifetime-free exceptions are excluded.
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HDFC Bank
Why it qualifies
Rs 5,000 voucher at Rs 2.5L quarterly spend
Eligible-spend and quarter rules apply.
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HDFC Bank
Why it qualifies
Quarterly vouchers plus annual flight vouchers at Rs 5L and Rs 7.5L
Eligible retail spend and claim windows apply.
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SBI Card
Why it qualifies
Tata CLiQ, Taj and Apple vouchers across annual spend tiers
Milestone and voucher validity conditions apply.
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IDFC FIRST Bank
Why it qualifies
7,500 RP at Rs 8L or 15,000 RP at Rs 15L previous-year spend
Only one annual benefit applies and the annual fee must be paid.
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American Express
Why it qualifies
Rs 1,000 voucher in each month with Rs 50,000 eligible spend
Enrolment is required; up to Rs 12,000 of vouchers yearly.
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HSBC Bank
Why it qualifies
10,000 bonus points above Rs 12L anniversary-year spend
Eligible annual spend and HSBC milestone terms apply.
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Bank of Baroda
Why it qualifies
20,000 bonus RP at Rs 5L annual spend
Eligible annual spend rules apply.
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Yes Bank / PNB / AU Bank
Why it qualifies
Neon unlocks 3%, 4% and 5% cashback plus lounge visits at Rs 50K, Rs 1L and Rs 1.5L
Requires the paid Kiwi Neon plan and eligible annual UPI spend.
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SBI Card
Why it qualifies
Rs 2,000 e-voucher at Rs 3L annual spend
Eligible annual spend and voucher terms apply.
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IndusInd Bank
Why it qualifies
Reward multiplier rises from 1X to 2X, 4X and 6X across annual spend slabs
Anniversary-year spend slabs and eligible transaction rules apply.
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Axis Bank
Why it qualifies
Higher 35 EDGE RP per Rs 200 earn rate after crossing the monthly spend slab
Only eligible monthly spend counts; published category exclusions apply.
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Axis Bank
Why it qualifies
Online cashback rises from 2% to as much as 7% across statement-cycle spend slabs
Progressive eligible non-travel online slabs per statement cycle; accelerated online cap ₹4,000. Travel including rail earns unlimited 0.75%; utilities have a separate ₹100 cap.
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Federal Bank
Why it qualifies
Federal Scapia airport benefits after Rs 20,000 in the previous calendar month
Current Federal Bank product rules apply; other issuer variants and older documents can have different thresholds.
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HDFC Bank
Why it qualifies
Two domestic lounge vouchers after Rs 50,000 same-quarter spend
₹50,000 same-calendar-quarter spend qualifies for domestic vouchers; claim within 120 days and use within 180 days of issuance. International quota is shared primary/add-ons; Visa PP/RuPay card routes differ.
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IDFC FIRST Bank
Why it qualifies
One domestic lounge visit per quarter unlocks after Rs 20,000 previous-month spend
Eligible previous-month spend and lounge programme rules apply.
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These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.
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