The live credit-card offers list
Hand-curated. Welcome bonuses, milestones, lounge access, fee waivers, and the exact spend you need to trigger each one, each with its own last-checked date. No outdated SEO spam.
Best offers this week
Highest net value or lowest barrier-to-trigger.
₹500 Amazon Pay balance on first transaction
Triggered the moment your first transaction (any amount, even ₹100) settles.
Up to ₹2,000 cashback on first 60-day spends
Stackable with regular cashback rates, net ~7% on the first ₹30K of spend.
60,000 points after $4,000 in first 3 months
Worth $750+ when redeemed for travel via Chase Ultimate Rewards.
Cashback Match, Discover doubles year-1 cashback
There's no minimum spend; Discover automatically matches 100% of your first-year cashback at the end of year 1.
5% on Amazon for Prime members (uncapped)
No category cap, the most generous Amazon-shopping cashback in India.
5% rotating quarterly categories
Q1 typically grocery, Q2 gas/restaurants, Q3 Amazon/restaurants, Q4 Amazon/Target. Capped at $1,500 per quarter.
Welcome bonus
(13)₹500 Amazon Pay balance on first transaction
Triggered the moment your first transaction (any amount, even ₹100) settles.
₹500 Amazon e-gift voucher on activation
Sent within 30 days of card activation; redeemable on Amazon India.
1,000 CashPoints on ₹1,000 first-90-day spend
1 CashPoint = ₹1 against statement. Translates to roughly the joining fee back.
Up to ₹2,000 cashback on first 60-day spends
Stackable with regular cashback rates, net ~7% on the first ₹30K of spend.
₹500 Flipkart voucher + ₹600 spend bonus
₹500 voucher on activation, ₹600 statement credit on ₹3,500+ spend in first 90 days.
1,499 NeuCoins on first transaction
Effectively offsets the joining fee in NeuCoins (1 NeuCoin = ₹1 across Tata brands).
2,500 reward points + ₹1,500 partner voucher
Voucher choice: Marriott Bonvoy or Cult.fit. Points redeem at 0.50–0.75 ₹/pt.
60,000 points after $4,000 in first 3 months
Worth $750+ when redeemed for travel via Chase Ultimate Rewards.
EXPRESS
60,000 Membership Rewards points after $6K spend
Spend window is 6 months; transferable to 19 airline + 3 hotel partners at 1:1.
75,000 miles after $4,000 in first 3 months
Equivalent to $750 in travel statement credit, or 1:1 transfer to airline partners.
Cashback Match, Discover doubles year-1 cashback
There's no minimum spend; Discover automatically matches 100% of your first-year cashback at the end of year 1.
$200 cash back + 5% gas/groceries on first $12K
Two-part: $200 after $500 spend in 3 months, plus boosted 5% on combined gas/grocery spend up to $12K in year 1.
$200 cash back after $1,500 in first 6 months
Plus 0% intro APR on balance transfers for 18 months.
Fee waiver
(2)₹10,000 annual fee waived on ₹5L+ annual spend
Spend ₹5,00,000 or more in the prior membership year and the annual renewal fee is reversed.
Annual fee waived at ₹1L spend
Lowest-bar fee waiver in the cashback segment.
Milestone
(1)₹2,000 Cleartrip voucher at ₹1L online spend
Second voucher of equal value triggers at ₹2L cumulative online spend.
Category boost
(6)5% cashback on 10 partner brands (capped ₹1K/month)
Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber.
5% on Amazon for Prime members (uncapped)
No category cap, the most generous Amazon-shopping cashback in India.
5% on Google Pay bill payments
Electricity, gas, broadband, mobile, DTH, all 5% if paid via Google Pay using ACE.
8% on Capital One Entertainment bookings
Concert tickets, sporting events, theater bookings via the Capital One portal.
5% rotating quarterly categories
Q1 typically grocery, Q2 gas/restaurants, Q3 Amazon/restaurants, Q4 Amazon/Target. Capped at $1,500 per quarter.
5% on gas + grocery (first $12K, year 1 only)
Year-one accelerator on top of the standard rate. 100% match offer on cashback for year-one new cardholders.
Lounge
(3)Unlimited domestic + 6 intl. visits / quarter
Priority Pass membership included; unlimited DragonPass at domestic terminals.
8 domestic + 4 intl. lounge visits / year
Best-in-class lounge benefit at the ₹1,499 fee tier.
EXPRESS
$120 annual Uber Cash + $120 annual dining credit
Effectively offsets the $325 annual fee if you use both monthly.
Don't miss a renewal, or a milestone
Add your cards to the free CardPolo tracker and we'll email you 30 days before any renewal, and ping you when you're close to triggering a milestone bonus.
FAQ
›How often is this list updated?
We re-verify every offer on this page weekly, and the `verifiedAt` date next to each one tells you the exact day it was last cross-checked with the bank. Anything older than two weeks gets pulled until we re-verify.
›Why don’t you scrape bank sites for offers in real-time?
Bank pages are behind aggressive bot detection, scraping is ToS-prohibited, and the data churn is high enough that brittle scrapers produce worse data than weekly hand-curation. We optimize for accuracy, not freshness theater.
›Can I trust the values listed?
Welcome-bonus values are quoted at the bank’s stated redemption rate. Indian point values use the floor (₹0.50/pt unless redeemed for travel via SmartBuy where they jump to ₹1+). Real-world value varies, we err conservative.
›Are these affiliate links?
None of these do right now. Apply links go straight to the bank. If that changes we’ll disclose it, and it will never change which offers we list.