Saurabh, Author at Credit Cult

BOB Eterna Credit Card Review: FITPASS Pro & Unlimited Lounge (Now LTF)

April 24, 2026

BOB Eterna Credit Card Review: LTF Offer, FITPASS Pro & Unlimited Lounge Bank of Baroda Eterna Credit Card Apply Now! Card Fees: ₹2,499 + GST (LTF Currently) Benefits: Unlimited Lounge, FITPASS Pro Best For: Frequent Flyers & Forex Spenders Reward Type: Reward Points (25% Value) Rating: Finding a premium credit card without heavy joining and annual fees is rare. However, the Bank of Baroda (BOB) Eterna Credit Card has emerged as an exception in 2026, especially with the current Lifetime Free (LTF) offer. Whether you are a fitness enthusiast eyeing that Annual FITPASS Pro membership or a frequent flyer craving Unlimited Domestic Lounge Access, this BOB Eterna Credit Card Review covers everything you need to know. Let’s get started! Table of Content Fees & Eligibility Key Features and benefits Understanding Reward Points FITPASS Pro with BOB Eterna Cult Tips & Tricks to Maximize Your BOB Eterna BOB Eterna Alternatives/Competitors Cult Conclusion Extras: Frequently Asked Questions (FAQs) Fees & Eligibility Key Features and benefits Understanding Reward Points FITPASS Pro with BOB Eterna Cult Tips & Tricks to Maximize Your BOB Eterna BOB Eterna Alternatives/Competitors Cult Conclusion Extras: Frequently Asked Questions (FAQs) BOB Eterna Credit Card: Fees & Eligibility Joining Fees: ₹2,499 + GST Annual Fees: ₹2,499 + GST Currently, offered as Lifetime Free Card. BOB Eterna Credit Card Eligibility To qualify for the Bank of Baroda Eterna Credit Card, you generally need to meet these criteria: Income: Minimum annual income of ₹12 Lakhs (Salaried or Self-Employed). Age: 21–65 years. Credit Score: A score of 750+ is highly recommended for instant approval. Note: Existing BOB Financial Credit Card users may not be eligible for the BOB Eterna Credit Card. They may apply for Scapia Credit Card for Unlimited Lounge or Unlimited Food/Shopping at Airport. BOB Eterna: Key Features & Benefits The Bank of Baroda Eterna Credit Card isn’t just premium credit card; it’s a great lifestyle upgrade. In 2026, it remains one of the most competitive cards in the “Premium-yet-Free” category. Here is a breakdown of the core benefits that make it a top contender: 1. High-Value Reward System (3.75% Value Back) The standout feature of this card is the accelerated rewards program. You earn 15 Reward Points for every ₹100 spent on: Travel: Flights, hotels, and holiday bookings. Dining: Perfect for foodies and weekend outings. Online Spends: Covers most of your e-commerce shopping. International Spends: Making it a solid travel companion. Note: Since 1 Reward Point = ₹0.25, you are earning a 3.75% value back on these categories, which you can redeem directly as statement credit. 2. Unlimited Domestic Lounge Access While many cards are cutting back on lounge perks, the Bank of Baroda Eterna continues to offer unlimited domestic airport lounge access for both the primary cardholder and add-on members. The 2026 Spend Criteria: To enjoy this in the next quarter, you must spend a minimum of ₹40,000 in the current calendar quarter to qualify for Unlimited Domestic Lounge in next quarter. Exclusive Perk: Cardholders now get access to the VIP section of the 080 Lounge at Bangalore (BLR) Airport T2. 3. Fitness & Entertainment Privileges BOB Eterna is one of the few cards that pays for your gym membership and your weekend movies: FITPASS Pro: Get a complimentary 12-month membership (worth up to ₹15,000) as a welcome gift. This gives you access to thousands of gyms & fitness centers across India. It allows 5 sessions per week. Movie BOGO: Buy One Get One (BOGO) offer on movie tickets via the District App, capped at ₹250 per month. 4. Travel and Other Benefits Low Forex Markup: At just 2% + GST, it’s significantly cheaper to use abroad than standard cards (which charge 3.5%). Moreover, you are getting 3.75% cashback on your Forex spends. Golf Rounds: Enjoy 4 complimentary rounds of green fees and 12 golf lessons per year at premium courses. (Mastercard variant only) Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (capped at ₹250/month). FITPASS Pro Sessions: BOB Eterna x FITPASS allows you 5 sessions of 60 mins (max 1 session per day) in a week which are enough for being fit and active. BOB Eterna Credit Card Reward Points When it comes to BOB Eterna credit card benefits, the reward rates offered are one of the reasons where this card truly shines. It offers a tiered system that favors digital spenders. Category Reward Points (per ₹100) Effective Value Back Travel, Dining, & Online Spends 15 Points (5X) 3.75% International Spends 15 Points (5X) 3.75% All Other Spends 3 Points 0.75% Note: 1 Reward Point = 0.25 INR (25% Value) Reward Points earned can be redeemed as Statement Credit. Reward Points has a monthly limit of 5,000 RPs. About Annual FITPASS Pro with BOB Eterna The FITPASS Pro membership is the standout lifestyle benefit of the BOB Eterna. It transforms your card into a universal gym pass, perfect for those who travel or want variety in their fitness routine. What’s Included? FITPASS: Access to 8,100+ premium gyms and fitness centers across India. FITCOACH: AI-powered personal training (ARIA) for customized home/gym workouts. FITFEAST: Real-time access to expert nutritionists for personalized diet plans. FITHEAL: Complimentary doctor consultations and health check-up benefits. Plan Duration & Value Standard Offer: 6-month complimentary membership. Current Promo: Some 2026 LTF variants are seeing 12-month access—check your welcome letter for your specific duration. Quick Activation Guide (Must do within 60 days) Wait: Your number is usually whitelisted 15 days after card delivery. Visit: fitpass.co.in/corporates/bobcards. Verify: Enter your registered mobile number and the first 6 digits of your Eterna card. Launch: Download the FITPASS app and log in to start booking sessions. Note: The FITPASS Pro offered with BOB Eterna offers 5 Sessions per Week to its members. Cult Tips & Tricks to Maximize Your BOB Eterna The “Net-Positive” Forex Hack: Since you earn 3.75% back on international spends but only pay a 2% forex fee, you actually make a profit of ~1.39% (after GST) on every international transaction. Milestone Magic: If you spend ₹5 Lakhs in a year,

BOB Eterna Credit Card Review: FITPASS Pro & Unlimited Lounge (Now LTF) Read More »

SBI Cashback Credit Card Referral Code | Get ₹500 Gift Voucher

April 15, 2026

SBI Cashback Credit Card Referral Code Considering to signup for the SBI Cashback Card? Signup with any SBI Cashback Credit Card Referral Code [2yuDiroydc7] and get a gift voucher worth ₹500 as welcome benefit on successfully applying and making your first transaction of ₹500 and above. SBI Cashback Credit Card (Referral Code: 2yuDiroydc7) Joining/Annual Fees: ₹999 + GST Benefits: 5% Cashback on Online Spends Best for: Online Shoppers Reward Type: Statement Credit Rating: SBI Card Referral Link Read our complete and detailed post on SBI Cashback Card, so that, you are applying for it without expecting more than what you will be getting. Lets dive in! Recent Cashback Devaluation Card’s Cashback Limit has been decreased from ₹5,000/month to ₹2,000/month w.e.f. 1st April, 2026. Table of Contents SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility Joining Fees: ₹999 + GST (18%) Annual Fees: ₹999 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back to statement) on annual spends of ₹2,00,000 or more in the previous year. Eligibility Requirements Age: 21 to 70 years. Employment: Salaried or Self-Employed. Income: 30,000 and above. Credit Score: Generally 750 or higher. Citizenship: Indian resident. Key Features & Benefits 5% Cashback: Spend Online and earn flat 5% cashback up to ₹2,000/month on all your eligible spends without any merchant restrictions. 1% Cashback: Spend anywhere offline and earn flat 1% cashback up to ₹2,000/month on all your eligible spends. ₹2,000 Cashback: You can earn a maximum of ₹2,000 cashback per month on Online and Offline transactions. (Reduced from ₹5,000 to ₹2,000/month w.e.f. 1st April, 2026) Visa Signature Privileges: Enjoy exclusive travel and lifestyle benefits with enhanced security and global acceptance. Joining/Annual Fees: It has a joining and annual fee of ₹999 (plus GST), waived off on annual spends of ₹2,00,000 or more. SBI Cashback Card’s Simple Reward Structure Unlike most credit cards filled with confusing reward points, tiers, and redemption headaches, this card keeps it brutally simple: 5% Cashback Straight 5% Cashback on Online Spends. No Merchant Restrictions and Calculations. 1% Cashback Flat 1% Cashback on all your Offline Spends. Statement Credit Cashback goes straight into the statement. No reward points or redemption headache. That simplicity is its biggest strength—and also its biggest marketing hook. In fact, this flat 5% structure applies across major platforms like Amazon, Flipkart, Swiggy, etc., without merchant restrictions. How to Apply for the Card? Applying for the SBI Cashback Credit Card is surprisingly quick and fully online. Here’s how it works: Step-by-Step Process Visit the official SBI Card website: Go to the credit cards section and select the Cashback SBI Card or just click here to get redirected to Application Page. Click on “Apply Now”: Enter your mobile number and click on apply now. This will start the online application . Fill in your details like: PAN card details Mobile number Income & employment details Complete KYC verification Aadhaar OTP / DigiLocker Or upload documents (PAN, address proof, income proof) Submit the application and you’ll get an instant decision in most of the cases based on your profile. Verification & approval: SBI may: Call you for confirmation Ask for additional documents or Do a Physical Visit for Verifitcation Card delivery within 7–10 working days, once approved. Is SBI Cashback Credit Card Worth ₹999? What Makes This Card So Popular? 1. Straightforward Cashback (No Brain Usage Required) Where most cards force you to Track reward points, Convert and Use partner portals to redeem it. This one makes the process simple: Spend → Cashback → Done. That’s why even beginners love it. 2. Best-in-Class for Online Shopping A flat 5% cashback across online merchants/platforms is rare in India. Many cards give 5% but on specific brands. But SBI Cashback Card gives 5% cashback almost everywhere online. 3. Automatic Cashback Credit No redemption, no expiry stress. Cashback is credited directly to your statement within days. The Not-So-Good Parts Let’s get honest. The SBI Cashback Card is good but this card is also not a perfect card. 1. The Cashback is not Truly “Unlimited” Monthly cap of ₹2,000 exists (₹5,000 earlier, reduced in April’26 updates) After 2,000 cap → 0 rewards Heavy spenders may feel restricted. 2. No Premium Benefits No Airport lounge access No milestone rewards No welcome bonus 3. Recent Devaluation (2026) Hurts Cashback cap was reduced (5,000 to 2,000) Eigible categories were reduced (digital gaming platforms (MCC 7993, 7994, 5816), toll payments (MCC 4784), and government-related transactions (MCC 9222, 9311, 9402)) 4. Real Users Frustrations (Reddit) “MCC problems… sometimes no cashback due to wrong category tagging.” “Not useful during big sale offers… doesn’t get instant discounts (or if applied then the cashback gets forfeited later.” “Mostly low credit limit is offered and annual fee feels high.” Credit Cult Tip: You can try contacting SBI Card Customer Care (before paying its annual fee) to waive the fee and they might honor it. You may also request them to make the card LTF. Cult Conclusion: Final Verdict The SBI Cashback Credit Card is like a “Maruti Suzuki of credit cards”: Reliable & Efficient But no luxury It used to be an unbeatable card, but after 2026 changes, it’s now “Very good” instead of “must-have.” Final Verdict: Still Worth It? No, if you expect: Lounge & Milestone benefits Unlimited rewards Yes, if you want a simple and reliable 5% cashback card for online spending Apply Here Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them

SBI Cashback Credit Card Referral Code | Get ₹500 Gift Voucher Read More »

Jupiter Credit Card Referral Code | Get it LTF and Amazon Prime

April 13, 2026

Jupiter Credit Card Referral Code | Signup Offers Considering to signup for Jupiter Edge+ CSB Bank Credit Card? Don’t forget to signup with the Jupiter Credit Card Referral Code ‘SelPAT’ () so that you are not missing out the Jupiter Credit Card Signup Offers on signing up through referral. Benefits include: Jupiter Card Lifetime Free Annual Amazon Prime Lite Fraud Protect Checkout our complete review post to explore whether the 10% cashback card is just a marketing gimmick or really worth it? Let’s dive in. Annual Fees: Lifetime Free Benefits: 10% Cashback on Shopping Best for: Online Shoppers Reward Type: Jewels (5 Jewels = ₹1) Rating: Apply Here Jupiter Edge+ CSB Card: Fees & Charges Joining Fees: ₹999 + GST (LTF till 30th April, 2026 on signup through invite) Annual Fees: Lifetime Free Note: As already shared, the joining fees of ₹999 (plus GST) is completely waived off, if, the user applies and completes the signup process within the promotional period. Disclaimer: The Welcome Benefits for sign-ups via referral (including the Annual Prime Lite Subscription, Complimentary Fraud Protect and Zero Joining Fee) are promotional offers valid until April 30, 2026, and are subject to change. Jupiter Edge+ Referral Code: SelPAT (working as of ) How to Apply for Jupiter Credit Card with Referral? Applying for the Jupiter Edge+ Credit Card is typically a seamless, digital process through the Jupiter app and here is how you can signup with the Jupiter Credit Card Referral Code. Download the App: Download the Jupiter app, sign up with Jupiter Referral Code ‘SelPAT’ and set up your account. Navigate to Credit Cards: Look for the credit card section within the app. Check Eligibility: The app will guide you through checking your eligibility based on your credit score and other factors. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Jupiter Edge+ General Eligibility Requirements Age over 21 CIBIL > 700 Salaried or Self Employed Monthly Income > ₹25,000 Sign up Experience: The card was approved and the limit is assigned within an hour. It has a super smooth and fast Video KYC Verification. No Physical Verification of home or work place. Virtual Card was activated instantly and the physical card was delivered within 3 days. Key Features and Benefits Welcome Benefit: Apply through any Jupiter Invite Link and get 1-year Amazon Prime Lite Subscription, LTF Card and Fraud Protect. Joining Fee: It is a Lifetime Free Credit Card but comes with a joining fee of ₹999 (plus GST) that can be waived off during promotional period (till 30th April, 2026). Annual Fees: Zero Annual Fee (Lifetime Free Card) 10% Cashback: Offers 10% value back up to ₹2,000/month on online shopping category, BUT, with a limit of ₹600/merchant. (As per revised cashback terms w.e.f. 21st March, 2026) 5% Cashback: Offers 5% value back up to ₹1,000/month on online travel category. 1% Cashback: Offers 1% value back up to ₹1,000/month on other online and offline spends (including merchant scan & pay UPI). Lounge Access: Offers 1 Domestic Airport Lounge Access per quarter but requires a spend of ₹90,000 in the previous quarter. RuPay Network: Jupiter Edge+ CSB Bank Credit Card is issued under the RuPay payment network giving access to Credit Card on UPI. How Does the 10% Cashback Work? The Jupiter Edge Plus CSB Bank Credit Card operates on a three-tier cashback system. Rewards are credited as Jewels (5 Jewels = 1 INR), which can be redeemed for cash, gold, or vouchers. 10% Cashback on Online Shopping Spends Eligible Brands: Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma, Reliance Digital, Trends, Westside and Tata Cliq. The Monthly Cap: ₹1,500 total. (₹2,000 w.e.f. 21st March, 2026) The Merchant Cap: Maximum Cashback of ₹500/brand (e.g., if you spend ₹10,000 on Amazon, you only get cashback on the first ₹5,000 spent). (₹600/brand w.e.f. 21st March, 2026) Per Transaction Cap: Maximum Cashback of ₹200/transaction w.e.f. 21st March, 2026) 5% Cashback on Online Travel Spends Eligible Brands: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip. The Monthly Cap: ₹1,000 total. 1% Cashback on Other Spends (including UPI) Eligible Spends: All other online and offline transactions, including UPI “Scan & Pay.” The Monthly Cap: ₹1,000 total. Jupiter Edge+ CSB Bank Credit Card Exclusions Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card fees and other charges ● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card fees and other charges ● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Final Verdict: Is Jupiter Edge Plus Worth It? The Jupiter Edge+ CSB Bank RuPay card is a specialized “optimizer” card rather than a “one-card-to-rule-them-all” solution. While the 10% cashback headline is eye-catching, it’s designed for the strategic shopper who spreads their monthly spends across different platforms like Amazon, Myntra, and Flipkart. Because of the ₹200 per transaction cap, it’s not the best choice for buying a high-end smartphone, but it is arguably the best Lifetime Free card for your monthly “lifestyle” expenses and daily UPI scans. If you are tired of the 1% or 2% rewards on traditional bank cards, this is a massive upgrade for your digital wallet. Apply If: You are an Online Shopaholic: You frequently spend up to ₹20,000 monthly across different apps like Myntra,

Jupiter Credit Card Referral Code | Get it LTF and Amazon Prime Read More »

SBI Cashback Credit Card Review | King of Cashback Cards

April 10, 2026

5% Cashback Credit Card | SBI Cashback Card SBI Cashback Credit Card Joining/Annual Fees: ₹999 + GST Benefits: 5% Cashback on Online Spends Best for: Online Shoppers Reward Type: Statement Credit Rating: Apply Here Are you looking for a credit card offering decent cashback on your online spends? How about 5% Cashback? Checkout the SBI Cashback Credit Card (often called ‘the King of Cashback Cards’) offering 5% cashback on almost all your online spends? Read our complete and detailed post on SBI Cashback Card, so that, you are applying for it without expecting more than what you will be getting. Lets dive in! SBI Cashback Card Recent Cashback Limit Devaluation (w.e.f. 1st April, 2026) SBI Cashback Credit Card’s Cashback Limit has been decreased from ₹5,000 per month cashback limit to ₹2,000/month cashback limit w.e.f. 1st April, 2026. Table of Contents SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility Joining Fees: ₹999 + GST (18%) Annual Fees: ₹999 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back to statement) on annual spends of ₹2,00,000 or more in the previous year. Eligibility Requirements Age: 21 to 70 years. Employment: Salaried or Self-Employed. Income: 30,000 and above. Credit Score: Generally 750 or higher. Citizenship: Indian resident. Key Features & Benefits 5% Cashback: Spend Online and earn flat 5% cashback up to ₹2,000/month on all your eligible spends without any merchant restrictions. 1% Cashback: Spend anywhere offline and earn flat 1% cashback up to ₹2,000/month on all your eligible spends. ₹2,000 Cashback: You can earn a maximum of ₹2,000 cashback per month on Online and Offline transactions. (Reduced from ₹5,000 to ₹2,000/month w.e.f. 1st April, 2026) Visa Signature Privileges: Enjoy exclusive travel and lifestyle benefits with enhanced security and global acceptance. Joining/Annual Fees: It has a joining and annual fee of ₹999 (plus GST), waived off on annual spends of ₹2,00,000 or more. SBI Cashback Card’s Simple Reward Structure Unlike most credit cards filled with confusing reward points, tiers, and redemption headaches, this card keeps it brutally simple: 5% Cashback Straight 5% Cashback on Online Spends. No Merchant Restrictions and Calculations. 1% Cashback Flat 1% Cashback on all your Offline Spends. Statement Credit Cashback goes straight into the statement. No reward points or redemption headache. That simplicity is its biggest strength—and also its biggest marketing hook. In fact, this flat 5% structure applies across major platforms like Amazon, Flipkart, Swiggy, etc., without merchant restrictions. How to Apply for the Card? Applying for the SBI Cashback Credit Card is surprisingly quick and fully online. Here’s how it works: Step-by-Step Process Visit the official SBI Card website: Go to the credit cards section and select the Cashback SBI Card or just click here to get redirected to Application Page. Click on “Apply Now”: Enter your mobile number and click on apply now. This will start the online application . Fill in your details like: PAN card details Mobile number Income & employment details Complete KYC verification Aadhaar OTP / DigiLocker Or upload documents (PAN, address proof, income proof) Submit the application and you’ll get an instant decision in most of the cases based on your profile. Verification & approval: SBI may: Call you for confirmation Ask for additional documents or Do a Physical Visit for Verifitcation Card delivery within 7–10 working days, once approved. Is SBI Cashback Credit Card Worth ₹999? What Makes This Card So Popular? 1. Straightforward Cashback (No Brain Usage Required) Where most cards force you to Track reward points, Convert and Use partner portals to redeem it. This one makes the process simple: Spend → Cashback → Done. That’s why even beginners love it. 2. Best-in-Class for Online Shopping A flat 5% cashback across online merchants/platforms is rare in India. Many cards give 5% but on specific brands. But SBI Cashback Card gives 5% cashback almost everywhere online. 3. Automatic Cashback Credit No redemption, no expiry stress. Cashback is credited directly to your statement within days. The Not-So-Good Parts Let’s get honest. The SBI Cashback Card is good but this card is also not a perfect card. 1. The Cashback is not Truly “Unlimited” Monthly cap of ₹2,000 exists (₹5,000 earlier, reduced in April’26 updates) After 2,000 cap → 0 rewards Heavy spenders may feel restricted. 2. No Premium Benefits No Airport lounge access No milestone rewards No welcome bonus 3. Recent Devaluation (2026) Hurts Cashback cap was reduced (5,000 to 2,000) Eigible categories were reduced (digital gaming platforms (MCC 7993, 7994, 5816), toll payments (MCC 4784), and government-related transactions (MCC 9222, 9311, 9402)) 4. Real Users Frustrations (Reddit) “MCC problems… sometimes no cashback due to wrong category tagging.” “Not useful during big sale offers… doesn’t get instant discounts (or if applied then the cashback gets forfeited later.” “Mostly low credit limit is offered and annual fee feels high.” Credit Cult Tip: You can try contacting SBI Card Customer Care (before paying its annual fee) to waive the fee and they might honor it. You may also request them to make the card LTF. Cult Conclusion: Final Verdict The SBI Cashback Credit Card is like a “Maruti Suzuki of credit cards”: Reliable & Efficient But no luxury It used to be an unbeatable card, but after 2026 changes, it’s now “Very good” instead of “must-have.” Final Verdict: Still Worth It? No, if you expect: Lounge & Milestone benefits Unlimited rewards Yes, if you want a simple and reliable 5% cashback card for online spending Apply Here Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t

SBI Cashback Credit Card Review | King of Cashback Cards Read More »

Federal Scapia Credit Card Review | Scapia Review

Scapia Referral Offer | Get ₹1,000 Flight Voucher on Signup

April 3, 2026

Federal Scapia Card Review: LTF Card, Unlimited Lounge and Scapia Referral Offer Federal Bank Scapia Co-branded Credit Card Card Fees: No Joining/Annual Fees Benefits: LTF, Unlimited Lounge, Zero Forex Fees Best For: Frequent Flyers Reward Type: Scapia Coin (Use for Travel) Rating: Apply Now! Are you looking for a lifetime free credit card offering unlimited airport lounge access and no forex charges? The Federal Bank Scapia Co-branded Credit Card, a captivating fintech, offers exactly that. And not just that, it also offers airport privileges of my choice, like free dining, shopping or spa experiences, every single time I fly. Moreover, if you signup with our Scapia Referral Code = klqncx (or Scapia Invite Link) then you’ll get ₹1,000 off flight voucher along with 1000 Scapia Coins. Let’s dive in for more. Table of Content Federal Scapia Credit Card Eligibility Federal Scapia Credit Card Airport Privileges Spend Criteria to Unlock Domestic Airport Privileges Scapia Reward Points (Scapia Coins) Everything You Must Know About Scapia Cult Conclusion: Is Scapia Card Worth It? More Information: Scapia FAQs Learn from My Mistakes! Scapia Updates (Effective 27th Feb, 2026) Scapia Referral Offer Federal Scapia Credit Card Eligibility Federal Scapia Credit Card Airport Privileges Spend Criteria to Unlock Domestic Airport Privileges Scapia Reward Points (Scapia Coins) Everything You Must Know About Scapia Cult Conclusion: Is Scapia Card Worth It? More Information: Scapia FAQs Learn from My Mistakes! Scapia Updates (Effective 27th Feb, 2026) Scapia Referral Offer Federal Scapia Credit Card Eligibility Primary Card holder Age: 21 to 65 years (for salaried), 25 to 65 years (for self-employed) Annual Income: Minimum annual income of ₹5 Lakhs is required Resident Indian citizen Other criteria’s as per banks credit card onboarding policy. CULT TIP Use Aadhar-linked Number: Not using the Aadhar-linked mobile number for signup means instant rejection. Happened with me. I had to change the number and reapply, and then got the Scapia Fed Card. Federal Scapia Credit Card Airport Privileges Why Scapia? The Scapia Credit Card stands out in the Lifetime Free (LTF) segment by offering a travel benefits package that goes far beyond its competitors. Its most astonishing feature is the Unlimited nature of Scapia airport privileges. Scapia Domestic Airport Privileges Unlike most other lifetime free credit cards that restrict you to just 1 or 2 airport lounge visits per quarter, Scapia offers Unlimited Domestic Airport Privileges in the subsequent billing cycle once you meet their modest spend criteria in the current billing cycle. Unlimited Domestic Airport Lounge Access: Scapia’s Undisputed USP: Enjoy unlimited access to Eligible Domestic Airport Lounges. (OR) 100% Value-back on Airport Shopping, Dining, or Spa: Alternatively, you can choose: 100% value-back (400% Scapia Coins) for eligible airport spends. Up to ₹1,000 at major metro airports (Like Bengaluru, Mumbai, Delhi, Chennai, etc.) Up to ₹500 at all other domestic airports. Remember: For each departure, you must choose only one airport privilege—either the Lounge Access or the Value-back benefit. You cannot avail both. Scapia International Airport Privileges (Effective 27th Feb, 2026) Update (27th January, 2026): Book an international flight worth ₹50,000 or more in a single booking on the Scapia App to unlock International Airport Privileges. Use it for complimentary shopping at duty-free stores, brand outlets, or dining at international terminals in India and get 100% back in the form of Scapia Coins, up to ₹2,000. CULT TIP Better Chances of Approval: As per my experience and other’s reviews, you have better chances of Scapia Approval if you have a Bank Account or Other Relationship with Federal Bank. Spend Criteria: Unlock Domestic Airport Privileges As of now, with unlimited domestic lounge access and 100% Shopping Value back, Scapia is offering unparallel airport privileges to what any other closest of its competitor is offering. But to claim those airport benefits you have to first meet their modest spend criteria: Updated Criteria (Effective 27th Feb, 2026): No more separate tracking on Visa and RuPay Cards. A total combined monthly spend of ₹20,000 across both cards, or on a single card, unlocks domestic lounge access and airport privileges. Current Criteria (Until 27th Feb, 2026): RuPay Network: Spend at least ₹15,000 in the current billing cycle to unlock Airport Benefits during next billing cycle. Visa Network: Spend at least ₹10,000 in a particular billing cycle to unlock Airport Benefits during the next billing cycle. Note: Spending Criteria and Airport Privileges unlocked are billing/statement cycle based (not monthly). Scapia Reward Points (Scapia Coins) Scapia awards Reward Points (Scapia Coins) on eligible spends which can only be redeemed for travel bookings through the Scapia App or for shopping at Scapia Store. Note: Each Scapia Coin is equivalent to ₹0.20 (or 10 Scapia Coins = 2 INR). How to Earn Scapia Coins? 4% Value back: Travel Spends done via Scapia App earns 20 Scapia Coins per ₹100 spent. 2% Value back: Other Eligible Spends earns 10 Scapia Coins per ₹100 spent. 1% Value back: UPI spends, above ₹500, earns 5 Scapia Coins per ₹100 spent with its RuPay Card. Excluded Categories: Rent Payments, Forex Transactions, Insurance and Utility, Wallet Loads, Education Fees, Gift Cards, EMI Transactions, Cash Withdrawals, Government Spends, and Fuel. How to Redeem Scapia Coins? Scapia Coins Value: 5 Scapia Coins = 1 INR Redeem on Scapia App: Scapia Coins can only be redeemed for travel bookings on Scapia App without any redemption limit. Redeem without Restrictions: Scapia Coins can be used to cover 100% of Travel Cost, for bookings via Scapia App. (Example: For a flight ticket worth 4,800 INR, one can wholly use your 24,000 Scapia Coins for flight booking on Scapia App) CULT TIP 2% Value Back on Jewelry: As of now, you can earn that base reward of 2% value back, as Scapia Coins, on Jewelry Purchase too. Everything You Must Know about Scapia The scapia airport privilege is EITHER unlimited access to domestic lounges OR complimentary dining, shopping or spa (up to ₹1,000) for every domestic departure, once the spend criteria is met. While the forex markup is 0%, you won’t earn any Scapia Coins on all international transactions. Scapia Coins can only be redeemed

Scapia Referral Offer | Get ₹1,000 Flight Voucher on Signup Read More »

How to Get Free Kiwi Neon Membership? Is it Worth ₹999?

March 15, 2026

Trick to Get Free Kiwi Neon Membership Kiwi Credit Card Joining/Annual Fees: Zero or Lifetime Free Benefits: 5% Cashback* on UPI Best for: Heavy UPI Spenders Reward Type: Kiwi Points (25% Value back) Rating: Apply Here If you’re considering the Kiwi Credit Card for UPI payments, you might have also heard about the Kiwi Neon Membership which costs ₹999 + GST per year. Many users often wonder: What is Kiwi Neon Membership and its benefits? Is Kiwi Neon Membership worth ₹999 + GST? Can you get Kiwi Neon Membership for free? In this detailed guide, we will answer all these questions and explain how to maximize cashback using the Kiwi card. Let’s dive in. Table of Contents What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Although Kiwi Credit Cards are lifetime free, Kiwi also offers an optional paid premium subscription called Kiwi Neon Membership. Earlier, this membership was complimentary for users joining through invite codes during early launch promotions. However, that offer has now ended. Currently, the Kiwi Neon Membership costs ₹999 per year (excluding GST) and unlocks additional benefits like higher cashback and milestone rewards. Neon Membership Features & Benefits 1. Additional Cashback on Kiwi UPI Transactions Neon membership increases the cashback potential of Kiwi card. Users get: 2% base cashback on merchant Scan & Pay UPI transactions 0.5% cashback on online UPI payments Rewards up to ₹100/month on savings account transactions Note: Cashback usually applies only to merchant QR transactions. 2. Milestone Rewards on Annual Spends Kiwi Neon members also unlock milestone benefits based on yearly spending. Annual Spends Cashback Additional Benefit ₹50,000 3% 1 Lounge Access ₹1,00,000 4% 1 Lounge Access ₹1,50,000 5% 1 Lounge Access Important: Milestone cashback is calculated as: Milestone Cashback = Eligible Spends × Milestone % – Cashback already received Eligible spends = Total Kiwi spends – excluded categories – refunds. Is Kiwi Neon Membership worth ₹999 + GST? Now we know what benefits Kiwi Neon Membership offers. Now, the question is whether Kiwi Neon Membership worth paying ₹1,179 (including GST) or not. The answer depends upon your annual scan & pay spends (on merchant UPI). Generally, if you can spend ₹1,00,000 or more through scan & pay (on merchant UPI) then it is beneficial for you to subscribe for the Kiwi Neon Membership as you will unlock effective 4% Cashback. Example Calculation: Cashback with and without Kiwi Neon Membership: With Kiwi Neon: Cashback = ₹2,811 [1,00,000 x 4% – 1,179 (Neon Fees) ] + 2 Lounge Access Without Kiwi Neon: Cashback = ₹1,500 [1,00,000 x 1.5%] If you want to get exact verdict, whether you should subscribe for Kiwi Neon Membership or not, then checkout our Credit Cult – MaxSaverr Tool to find out the exact cashback calculation. How to Get Free Kiwi Neon Membership? Although the membership costs ₹999 + GST, there is a way to recover the membership cost and get free Kiwi Neon Membership. If you apply for the Kiwi Credit Card through our cashback link, we provide a ₹999 Amazon Pay Voucher after successful signup. This means the membership cost is effectively recovered and you only pay the GST portion (₹180). How to signup for Kiwi Neon Credit Card and Get ₹999 Cashback? Apply for the Kiwi Credit Card using our Cashback Link Enter your WhatsApp number for application tracking Verify OTP and complete the signup process After successful application, you will receive ₹999 Amazon Pay Voucher within 75 days Everything You Should Know About Kiwi Card Before applying, you should understand these key details. Cashback Rates 1.5% cashback without Neon Membership 2–5% cashback with Neon Membership Base Cashback Always Remains 2% Even after crossing milestones, the base cashback remains 2%. Example: If you spend ₹75,800 First ₹50,000 → 3% cashback (1st Milestone) Remaining ₹25,800 → 2% cashback 2% Cashback After ₹1.5L Spends If yearly spending exceeds ₹1,50,000 First ₹1,50,000 → 5% cashback Remaining spends → 2% cashback Monthly Cashback Limit Cashback is typically capped at 1% of your credit limit per month. Example: Credit Limit = ₹77,000 2% Cashback up to ₹770/month Airport Lounge Validity Once unlocked: Valid for 6 months Only cardholder entry allowed Cult Conclusion: Final Verdict The Kiwi Klick Credit Card is one of the most rewarding cards for UPI payments in India. However, its full potential is unlocked only with the Kiwi Neon Membership, which increases cashback rates up to 5%. If your annual UPI spending is ₹1 lakh or more, the membership can easily recover its cost and provide additional benefits like airport lounge access. 👉 Apply for Kiwi Credit Card & Get ₹999 Cashback Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Considering to apply for a zero-forex card, checkout our detailed blog on Federal Scapia Credit Card and discover everything you should know before applying for it. Frequently Asked Questions (FAQs) Does Kiwi Offer Airport Lounge Access? Yes, with the Kiwi Neon Membership (₹999 + GST annually) users can get up to three complimentary Domestic Airport Lounge Access visits within a year. Each access is awarded on spends of ₹50,000, ₹1,00,000 and ₹1,50,000. Do we get Complimentary Kiwi Neon Membership on signing up with referral code? No, Kiwi Neon Membership is not free anymore. Initially, it was offered for free to new users signing up with a referral code but now it

How to Get Free Kiwi Neon Membership? Is it Worth ₹999? Read More »

SBI Pulse Credit Card Review | Free FITPASS & Noise Smartwatch

February 1, 2026

SBI Pulse Credit Card Personal Review SBI Pulse Credit Card Annual Fees: ₹1,499 + GST Benefits: Fitpass + Smartwatch Best for: Fitness Freaks Reward Type: Reward Points (25% Value) Rating: Apply Here Is there any credit card offering Free Gym Membership? Trying to find a credit card offering complimentary access to gym? SBI’s Pulse Credit Card is one of the best options offering Annual FITPASS PRO Membership and a Noise ColorFit Pulse 4 Pro Smartwatch as a welcome gift. Checkout our detailed personal review blog to explore all the features & benefits of SBI Pulse Credit Card any my personal tips? Let’s get started. Table of Contents SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Card: Fees & Eligibility Key Features & Benefits How to Apply? SBI Pulse Card: Welcome Benefits Explained? How Does FITPASS PRO Works? Final Verdict: Is SBI Pulse Card Worth Applying? SBI Pulse FAQs SBI Pulse Credit Card: Fees & Eligibility Joining Fees: ₹1,499 + GST (18%) Annual Fees: ₹1,499 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back) on annual spends of ₹2,00,000 or more in the previous year. SBI Pulse Credit Card Eligibility Requirements Age over 21 and CIBIL over 700 Salaried or Self Employed Annual Income > ₹2,00,000 Key Features and Benefits Welcome Benefit: A Noise ColorFit Pulse 4 Pro Smart Watch (worth ₹7,999) is offered as a welcome gift to SBI Pulse Credit Card Holders. Annual Benefits: Cardholders also get 1 year complimentary FITPASS PRO and Netmeds First membership, to be received every year, on card renewal. Milestone Benefit: Get an e-voucher worth ₹1,500 on achieving annual retail spends of ₹4 Lakhs. Rewards Points: Enjoy 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Sports, Dining & Movies Earn 2 Reward Points per ₹100 spent on all your other spends Lounge Access: Offers 1 domestic airport lounge access per quarter with no spend criteria. Priority Pass: Offers a complimentary Priority Pass Membership worth US $99 (for International Lounge) for the first two years of cardholder membership, restricted to the primary cardholder. Joining Fee: It has a joining fee of ₹1,499. Annual Fees: It has an annual fee of ₹1,499, waived off on annual spends of ₹2,00,000/more. Suggestion: Apply for any SBI card through a SBI Card Invite Link to get an additional Gift Voucher worth ₹500, over and above other welcome benefits, from SBI. SBI Card Referral Code: 2yuDiroydc7 How to Apply? Applying for the SBI Pulse Credit Card is an easy and seamless digital process: Visit SBI Card: Visit their website and search for the SBI Pulse Credit Card (Under Lifestyle Tab). Click on Apply Now and you will be redirected to SBI | Sprint Website. Provide your Details: The website will ask your Personal, Professional and KYC Details. Eligibility Check: Once the details are provided, SBI will run an eligibility check and will show a tentative credit limit, if approved. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Physical Verification: SBI Representative will visit your office/home, as per employment, to verify details and address. Virtual Card Details: Once verification is done, SBI will start the dispatch process, and in the meanwhile, bank will issue a virtual card which can be used for online shopping. Card Delivery: Within 2-3 days, you will receive your credit card delivered at your communication address. Then generate pin and start using it for offline shopping. SBI Pulse Card: Welcome Benefits Explained My primary reason for SBI Pulse Credit Card’s USP can be the welcome benefits/vouchers it offers: Noise ColorFit Pulse 4 Pro Smart Watch, Annual FITPASS PRO Membership and Netmeds First Membership. Here is a quick detail about each. Noise ColorFit Pulse 4 Pro Smart Watch This Smart Watch Variant is worth ₹7,999 (available at around ₹2,999 on e-commerce websites). SBI sends a Voucher Code (instead of the watch) which can be used to get the same watch at zero cost through Noise Website. Smart Watch Voucher Code is sent within 21 days of paying the joining fee. FITPASS PRO Annual Membership FITPASS PRO’s Annual Membership is worth more than ₹10,000. FITPASS Voucher Code is also sent within 21 days of the joining fee payment. Netmeds First Annual Membership Netmeds First Annual Membership is worth ₹499. Netmeds Membership Voucher is also sent within 21 days of the joining fee payment. I didn’t even consider it while applying for it. How does FITPASS Pro Membership Work? Getting a complimentary FITPASS Pro Membership with a Credit Card might fascinate you and make you think that its a normal partnered gym membership program allowing you to access gym any day and any time you want, but, it is not like that. Here are some crucial details about the FITPASS Pro Membership that you should know. How to redeem the FITPASS PRO Voucher Code? Download the App: Download the FITPASS app from the Google Play Store or App Store. Register: Create an account using your mobile number. Navigate to Subscription: Go to the PRO membership section and select the plan. Enter Code: Input the voucher code in the “Coupon Code” or “Promo Code” field. Activate: Click “Apply” or “Join Now” to activate your annual membership. This Complimentary FITPASS Pro Membership offers you to access: any gym/fitness center that has partnered with FITPASS, any gym/fitness center for 12 times in a month, 3 times in a week and once in a day, any gym/fitness center for 60 minutes per session, personalized diet plans from nutritionist and AI powered online coaching on the FITPASS App. Insider’s Tip : As per the terms, Smart watch, FITPASS and Netmeds Voucher Codes are sent within 21 days of joining fee payment. Advice here is that you can call SBI Card Customer Care after paying the joining fees and request them for the Vouchers and they might honor it like they did

SBI Pulse Credit Card Review | Free FITPASS & Noise Smartwatch Read More »

5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks

January 21, 2026

Buying jewelry is one of the most preferred investment option as well as the most significant expenses for Indian households, especially during weddings or festive seasons. While most banks are tightening their belts and excluding “Gold & Jewelry” from their rewards programs, there are still some “hidden gems” that can save you thousands. Presenting you the 5 Best Credit Cards to Buy Gold Online (working as of ). Before we move forward, if you are interested in Gold and Other Good Deals then checkout our WhatsApp Channel: Good Deals Only and follow if you like. Now, let’s continue with the blog. Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make an informed decision. 5 Best Credit Cards to Buy Gold Online In this blog, we’ve reviewed 5 best credit cards to buy gold online and maximize your savings. Based on our analysis of its value back and cost-benefits analysis, here’s our detailed recommendation: 1. SBI Cashback Credit Card: The King SBI Cashback Card offers flat 5% cashback up to ₹2,000/month on any your online spends and on any platform and thus correctly titled as ‘The King of Cashback Cards’ by many netizens. Apply Now Joining & Annual Fees: ₹999 + GST Payment Offer: 5% Cashback up to ₹2,000/month (W.e.f. 1st April, 2026) on Online Spends 5% Cashback on direct purchases from AJIO for Gold (as of now AJIO doesn’t send different MCC for Gold/Silver) The Hack: Buy gift vouchers for platforms like Tanishq, Kalyan, or Amazon from platforms like CRED App. You get upfront discount plus 5% Cashback on the voucher purchase (online spend), which you then use to buy gold. Fees & Eligibility Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants More Details Flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on all offline transactions. Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants Flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on all offline transactions. Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. 2. Axis Flipkart Credit Card: 7.5% Cashback Apply Now Joining & Annual Fees: ₹500 + GST (or may offered as First Year Free) Offers: 5% Cashback on Flipkart and 7.5% Cashback on Myntra (up to ₹4,000/quarter) The Hack: With the Flipkart Credit Card, you can claim 7.5% Cashback on Gold Purchase from Myntra (during BLINKDEALs) using the trick shared here in our WhatsApp Channel. Fees & Eligibility Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed More Details 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends 3. Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: ₹1,499 + GST or (maybe offered as Lifetime Free Card) Offers: 5% NeuCoins on Big Basket, Tata Cliq, Tanishq and more. The Hack: Buy Gold Online through Big Basket, Tata Cliq or Tanishq (Online/Offline) and get 5% cashback as NeuCoins. OR buy vouchers through Tata Neu’s Gift Card section and earn 5% or more NeuCoins as cashback with Tata Neu Infinity Credit Card. Fees & Eligibility Joining Fees: First Year Free Annual Fees: ₹1,499 + 18% GST (or

5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks Read More »

Amazon Jewelry Offer | ₹1,750 cashback on ₹20,000 Gold Purchase

January 19, 2026

Amazon Jewelry Offer | ₹1,750 cashback on ₹20,000 Gold Purchase Claim Best Gold Offers with Amazon Pay Card, SBI Cashback Card or Tata Neu Infinity Credit Card! 21st Jan, Evening Update (17:30): Most of them are gone out of stock (the actual steal deals). Some are left but there prices are too much inflated (may increase again at 12pm) which you can checkout. Collect Jewelry Cashback offer here: https://amzn.to/4r01zOr (Expiring 22/01/26) ELIGIBLE PRODUCTS: https://amzn.to/4qRYgIQ (USE MOBILE TO SEE CASHBACK) Suggestions: The Best Offers with Amazon Pay Card and Cashback Coupon: Muthoot 2g 24k 999 Lakshmi Ji Pendant (₹15,470/g) (Available Near Spot) MMTC 1g 24K 999.9 Rose Gold Pendant (₹15,470/g) Muthoot 2g 24k 999 Ganesh Ji Pendant (₹15,470/g) WHP Jewellers 24k 999 1g Pendant: ₹15,848/g (Available Near Spot) Buy 2 Muthoot PAPPACHAN 24K (999) Yellow Gold Laxmi Pendant 5 Gram: ₹15,855/g (Available Near Spot) PNG Vedhani 1gm 24k 995 (₹15,446/g) (Available Near Spot) Buy 2 Muthoot PAPPACHAN 24K (999) Yellow Gold Laxmi Pendant 10 Gram: ₹15,987/g (Available) MMTC 2g Pendant: ₹16,193/g (Available) Muthoot 3g (1+1+1) Pendant: ₹16,193/g (Available) Suggestions: [1.4% Discount (Amazon Shopping Vouchers through CRED) + 5% (SBI Cashback Card)] Muthoot 2g 24k 999 Lakshmi Ji Pendant (₹15,380/g) (Available Near Spot) MMTC 2g Pendant: ₹15,984/g (Available) Bangalore Refinery 2g – Lakshmi 24k (999) Pendant (₹14,905/g or less) (OOS, Updated Just Now!) https://www.maximize.money/gift-cards/Amazon/25 gives 1.75% off but not sure whether SBI Cashback Card provides 5% cashback on it. Make this Offer EVEN BETTER: Effective Discount 6.4%: Buy up to 10K Amazon Shopping Vouchers through Cred App and get additional 1.4% Discount and use SBI Cashback Card for 5% Cashback. . (or buy through maximize for discount plus cashback https://www.maximize.money/gift-cards/Amazon/25 ) Disclaimer: I don’t have SBI Cashback Card, so, no experience with it. Google results for 5% SBI Cashback on maximize: Yes, the SBI Cashback Card gives 5% cashback on online spends, and you can use it to buy discounted vouchers from sites like Maximize.money to effectively get cashback on offline purchases too, as you get the voucher discount plus the 5% online cashback when purchasing the voucher, allowing you to “maximize” benefits across platforms. The key is that the SBI card offers this 5% online without merchant restrictions, making it great for layering with voucher discounts. ) Use payment method: Amazon pay card or Buy Amazon shopping vouchers through SBI cashback card (Cred App) for best offer or you can buy through tata neu app (gift cards section) using Neu Infinity card for 5% neucoins cashback. Disclaimer: The post contains amazon affiliate links which may earn me commission. Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Interested in Federal Scapia Credit Card? I would highly recommend you to checkout my personal review blog on Federal Scapia Credit Card and discover everything you should know about it before applying for it.

Amazon Jewelry Offer | ₹1,750 cashback on ₹20,000 Gold Purchase Read More »

Jupiter Edge+ CSB Bank RuPay Credit Card | 10% Cashback Card

January 8, 2026

Jupiter Edge+ CSB Bank RuPay Credit Card Review Annual Fees: Lifetime Free Benefits: 10% Cashback on Shopping Best for: Online Shoppers Reward Type: Jewels (5 Jewels = ₹1) Rating: Apply Here Is there any credit card offering 5% Cashback on Online Spends? Still stuck at 5% Cashback? The Jupiter Edge+ CSB Bank RuPay Credit Card is offering 10% cashback on online shopping spends. Not enough? It’s a Lifetime Free Credit Card with a joining fee of just ₹999 (and that too waived off during promotions). Checkout our complete review post to explore whether the 10% cashback card is just a marketing gimmick or really worth it? Let’s dive in. Table of Contents Jupiter Edge+ CSB Card: Fees & Charges Key Features & Benefits How to Apply for Jupiter Edge+ Card? How does the 10% Cashback works? Pro Tips for Maximum Value Competitor Comparison Final Verdict: Is Jupiter Edge Plus Worth It? Extras: Jupiter Edge+ FAQs About Jupiter App and The EDGE+ CSB Card Jupiter Edge+ CSB Card: Fees & Charges Key Features & Benefits How to Apply for Jupiter Edge+ Card? How does the 10% Cashback works? Pro Tips for Maximum Value Competitor Comparison Final Verdict: Is Jupiter Edge Plus Worth It? Extras: Jupiter Edge+ FAQs About Jupiter App and The EDGE+ CSB Card Jupiter Edge+ CSB Card: Fees & Charges Joining Fees: ₹999 + GST (LTF till 31st March, 2026 on signup through invite) Annual Fees: Lifetime Free Note: As already shared, the joining fees of ₹999 (plus GST) is completely waived off, if, the user applies and completes the signup process within the promotional period. Disclaimer: The Welcome Benefits for sign-ups via referral (including the Annual Prime Lite Subscription, Complimentary Fraud Protect and Zero Joining Fee) are promotional offers valid until April 30, 2026, and are subject to change. Jupiter Edge+ Referral Code: SelPAT (working as of ) Key Features and Benefits Welcome Benefit: Apply through any Jupiter Invite Link and get 1-year Amazon Prime Lite Subscription, LTF Card and Fraud Protect. Joining Fee: It is a Lifetime Free Credit Card but comes with a joining fee of ₹999 (plus GST) that can be waived off during promotional period (till 30th April, 2026). Annual Fees: Zero Annual Fee (Lifetime Free Card) 10% Cashback: Offers 10% value back up to ₹2,000/month on online shopping category, BUT, with a limit of ₹600/merchant. (As per revised cashback terms w.e.f. 21st March, 2026) 5% Cashback: Offers 5% value back up to ₹1,000/month on online travel category. 1% Cashback: Offers 1% value back up to ₹1,000/month on other online and offline spends (including merchant scan & pay UPI). Lounge Access: Offers 1 Domestic Airport Lounge Access per quarter but requires a spend of ₹90,000 in the previous quarter. RuPay Network: Jupiter Edge+ CSB Bank Credit Card is issued under the RuPay payment network giving access to Credit Card on UPI. How to Apply for Jupiter Edge+ CSB Bank Credit Card? Applying for the Jupiter Edge+ Credit Card is typically a seamless, digital process through the Jupiter app. Download the App: Download the Jupiter app and set up your account. Navigate to Credit Cards: Look for the credit card section within the app. Check Eligibility: The app will guide you through checking your eligibility based on your credit score and other factors. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Jupiter Edge+ General Eligibility Requirements Age over 21 CIBIL > 700 Salaried or Self Employed Monthly Income > ₹25,000 Personal Experience: For me, the card was approved and the limit was assigned within an hour. It has a super smooth and fast Video KYC Verification. No Physical Verification of home or work place. Virtual Card was activated instantly and the physical card was delivered within 3 days. How Does the 10% Cashback Work? The Jupiter Edge Plus CSB Bank Credit Card operates on a three-tier cashback system. Rewards are credited as Jewels (5 Jewels = 1 INR), which can be redeemed for cash, gold, or vouchers. 10% Cashback on Online Shopping Spends Eligible Brands: Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma, Reliance Digital, Trends, Westside and Tata Cliq. The Monthly Cap: ₹1,500 total. (₹2,000 w.e.f. 21st March, 2026) The Merchant Cap: Maximum Cashback of ₹500/brand (e.g., if you spend ₹10,000 on Amazon, you only get cashback on the first ₹5,000 spent). (₹600/brand w.e.f. 21st March, 2026) Per Transaction Cap: Maximum Cashback of ₹200/transaction w.e.f. 21st March, 2026) 5% Cashback on Online Travel Spends Eligible Brands: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip. The Monthly Cap: ₹1,000 total. 1% Cashback on Other Spends (including UPI) Eligible Spends: All other online and offline transactions, including UPI “Scan & Pay.” The Monthly Cap: ₹1,000 total. Jupiter Edge+ CSB Bank Credit Card Exclusions Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows:● Fuel spends● Govt related transactions● Rent payment transactions● Utility bill payments (electricity, gas, etc.)● Wallet loads / gift or prepaid card loads / voucher purchase● Cash advances● Payment of Outstanding Balances● Payment of card fees and other charges● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows:● Fuel spends● Govt related transactions● Rent payment transactions● Utility bill payments (electricity, gas, etc.)● Wallet loads / gift or prepaid card loads / voucher purchase● Cash advances● Payment of Outstanding Balances● Payment of card fees and other charges● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Pro Tips for Maximum Value Split Your Shopping: Since there is a ₹600 cap per merchant and ₹200 cap per transaction, don’t buy a ₹50,000 laptop through this card instead use it for small transactions below ₹2,000 and try to split your shopping across all eligible shopping websites (if possible) to claim that ₹2,000 smartly. The “UPI Loophole”:

Jupiter Edge+ CSB Bank RuPay Credit Card | 10% Cashback Card Read More »