Rewards Guide
Understanding rewards cycles, earning, and maximizing your points
Rewards Cycles Explained
Monthly Cycle
Rewards are calculated and posted monthly. This means you can earn rewards throughout the month and see them reflected in your statement at the end of each billing cycle.
Cards with Monthly Cycle:
• Equitas Selfe Credit CardStatement Cycle
Rewards are calculated based on your statement balance. Points are earned on purchases and posted when your statement is generated.
Cards with Statement Cycle:
• BoB Eterna Credit CardMaximizing Rewards
Strategic Spending
Use the right card for each purchase category to maximize rewards rates. Track your spending and choose cards with the highest rewards for each category.
Welcome Bonuses
Take advantage of sign-up bonuses when opening new cards. Meet the spending requirements within the time limit to earn the bonus points.
Redemption Strategies
Understand the value of your points and redeem them when they provide the best value, whether for travel, cash back, or merchandise.
Rewards by Category
5x in selected categories (Apparel/Utility/Grocery), 2x base
15 RP per ₹100 on online, travel, dining & international (3 base + 12 accel, bonus capped at 5,000 pts/month); 3 RP per ₹100 base on all spends