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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-0.6%)^ | 0.3% | 1.8% | 1.5% | 0.8% |
| Est. Monthly Reward (₹) | (35) | 30 | 360 | 750 | 750 |
| All-India Rewards Rank* | 204 | 175 | 18 | 52 | 174 |
| Within Bank Rank* | 22 | 17 | 1 | 1 | 18 |
| * 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 negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Mine Credit Card – PREMIUM 149 Plan offers a cashback of 5% on Amazon, Myntra, bigbasket, Grofers, Swiggy, Zomato, MakeMyTrip, Goibibo and 1% cashback on all other retail spending with a monthly cashback cap of ₹750.
It has a monthly fee of Rs 149 which is waived if you are spending more than ₹20,000 in a month.
We estimate this card can earn you a net reward yield of 0.3-1.8% on spending more than ₹10,000 with the card in a month.
If you are spending 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 | Mine Credit Card – PREMIUM 149 Plan |
|---|---|
| Card Type | Cashback |
| Cashback Features | 5% cashback on: – Amazon Prime – Myntra – bigbasket – Goibibo – MakeMyTrip – BookMyShow – Gaana – PVR – INOX – Swiggy – Zomato 1% cashback on all other retail spends |
| Milestone Rewards | Nil |
| Other Rewards | – 1 Complimentary Domestic Rail Lounge access / mth.
– 1 Complimentary Domestic Airport lounge access/ mth. – 7% off up to select domestic hotels – 4% instant discount up to ₹600 on domestic flights on Goibibo – Complimentary 2-month Eazydiner Prime Membership – Get 5% instant discount on Tata CLiQ – Get 6-month subscription of Mindhouse app |
| Rewards Redemption Fee | ₹99 |
| Cashback Caps | ₹750 p.m. |
| Preferred Redemption Method | Cashback against statement balance |
| Card | Mine Credit Card – PREMIUM 149 Plan | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | ₹1,788 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹2.4 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 40.80% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | N/A | |
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.
