Credit Cards
Reward Points & Cashback
Points or cash earned per rupee spent, with caps that matter.
Cards pay 1–5% back as points, miles or cashback, but caps and exclusions (fuel, rent, wallets, EMI) decide real value. Point values vary by redemption: travel portals often pay ~₹1/point, statement credit less. Always read the caps note before comparing headline rates.
Example
5X on dining capped at 1,000 points/month is worth at most ₹1,000 — heavy diners hit the cap by week two.