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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% |
| Est. Monthly Reward (₹) | 20 | 45 | 100 | 245 | 500 |
| All-India Rewards Rank* | 83 | 136 | 179 | 228 | 226 |
| Within Bank Rank* | 9 | 9 | 15 | 26 | 23 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The ICICI Bank Unifare Metro Credit Card offers flat 10% discount for Delhi metro fares and 1% effective reward on auto-top up transactions. All other spending earns an effective reward of 0.5%.
You can earn a net rewards yield of up to 0.5% with this card, which is quite low compared to the best cards in India, no matter how much you use the card.
Unless you are very heavy Delhi Metro user, we recommend getting another card.
The Mine Credit Card is the best credit card from ICICI Bank for most people. You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.
If you spend more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Unifare Delhi Metro Card |
|---|---|
| Card Type | Reward |
| Reward Features | – 4 PAYBACK Points / ₹100 spent with Delhi Metro
– 2 PAYBACK Points / ₹100 spent on everything else |
| Milestone Rewards | N/A |
| Other Rewards | – 10% Discounts Metro fares
– Dining discounts at 4,000+ restaurants |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem points on PAYBACK Website @₹0.25/ PAYBACK points |
| Card | Unifare Delhi Metro Card | |
|---|---|---|
| Joining Fee | ₹299 + Taxes | |
| Annual Fee | ₹299 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹50,000 | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 40.80% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹300 | |
| Card Association | MasterCard | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
