Synopsis: There are plenty of underrated credit cards that deliver impressive rewards beyond mainstream options. This article lists five such credit cards that you can explore for maximum savings.
The wave of Credit Card dominance is at its peak and it is very possible that in the coming years the usage may surge even more up. The current market is being dominated by very well known banks and the specific benefits they provide to its cardholders.
However, apart from all these mainstream credit cards there are few cards which are still underwrapped or known by very few users. These cards come with unique benefits and may even cross the offerings of others when it comes to the benefits they provide. Read below to discover the cards that might be a potential one for your next application.
Union Bank Uni Carbon Credit Card
- Joining Fees: ₹499 +taxes
- Annual Fees: ₹550 + taxes (Waived on annual spends of ₹1 Lakh)
Eligibility Criteria:
- Age between 18–60
- CIBIL Score of 700+ for Salaried
- CIBIL Score of 650+ for Govt. Employees
Benefits of the Card:
- 4% cashback on transaction value of ₹500 and above on fuel spent at authorized HPCL outlets. (capped at ₹150)
- 1% fuel surcharge waiver for transactions above ₹200 (capped at ₹100 per month).
- 2 reward points for every ₹100 spent on non-fuel transactions
- Personal accidental insurance coverage up to ₹10 Lakhs.
- 1 Reward Point = Rs. 0.25
Welcome Benefit: Up to ₹300 cashback on the first fuel purchase of ₹300 or more at HPCL within 60 days.
Standard Chartered DigiSmart Credit Card
- Joining Fees: ₹49 (Monthly fee)
- Annual Fees: Nil (Monthly fee of ₹49 waived on monthly spends of ₹5,000)
- Eligibility Criteria: Age 21–65; Minimum monthly income of ₹50,000.
Benefits of the Card:
- 10% discount on Zomato for 5 transactions per month (up to ₹150 per transaction) with no minimum order value
- 10% off on Blinkit for 5 transactions per month (up to ₹1,000 per month).
- Buy 1 Get 1 movie ticket at INOX on weekends twice a month (capped at ₹200 per transaction)
- 15% cashback on Ola rides (up to ₹600 per month).
- Up to 25% discount on travel and hotel bookings via Yatra.com.
Yes Bank Paisabazaar PaisaSave Credit Card
- Joining Fees: Nil
- Annual Fees: ₹499 (Waived on annual spends of ₹1.2 Lakhs)
Eligibility Criteria:
- Age 21–60
- Minimum monthly income of ₹25,000.
- For Self Employed Income Tax Return of INR 7.5 lakhs and above
Benefits of the Card:
- 6% cashback on travel and dining transactions. (capped at ₹3,000)
- Accelerated rewards on online dining, grocery, and apparel categories.
- 1% fuel surcharge waiver at all stations in India for spends between ₹400–₹5,000.
- NFC-enabled technology for smooth contactless transactions
- 1 Reward Point = ₹1
BOB Card Eterna Credit Card
- Joining Fees: ₹2,499 (Waived on spends of ₹25,000 within 60 days)
- Annual Fees: ₹2,499 (Waived on annual spends of ₹2.5 Lakhs)
- Eligibility Criteria: Age 21–65; Minimum annual income of ₹12 Lakhs.
Benefits of the Card:
- Complimentary domestic airport lounge access (subject to quarterly spend of ₹40,000).
- Buy 1 Get 1 free movie ticket on the District app (up to ₹250 per month).
- Reduced foreign currency markup fee of 2%.
- 20,000 bonus reward points on annual spends reaching ₹5 Lakhs.
Welcome Benefit: Complimentary 6 months FITPASS Pro membership worth ₹15,000.
Federal Bank MagniFi Credit Card
- Joining Fees: Nil (Lifetime Free)
- Annual Fees: Nil (Lifetime Free)
- Eligibility Criteria: Age 21+; Salaried or self employed with stable income and good credit score.
Benefits of the Card:
- 5% value-back on all weekend spends. (Capped at 2000 Fi-Points per month)
- Instant 20% discount on top brands like Zomato, Zepto, Amazon on weekends.
- 0.5% value-back on all weekday transactions (Monday to Thursday).
- Up to 50% discount on a curated selection of brand gift vouchers.
Also Read: HDFC vs SBI Card Revised Lounge Access: Which Bank Offers Better Benefits in 2026?
Comparison Table for Quick Overview
| Card Name | Best Feature | Key Benefit |
| Union Uni Carbon | Fuel Savings | 4% savings at HPCL pumps |
| SC DigiSmart | Lifestyle | 10% Zomato discounts |
| Yes PaisaSave | Direct Cashback | 6% cashback on travel and dining |
| BOB Eterna | Premium Travel | Unlimited Domestic Lounge Access upon spending ₹40k per quarter |
| Federal MagniFi | Weekend Spends | 5% back on all weekend spends |
Concluding Words
The above mentioned five credit cards may not be widely popular but their benefits and cashbacks are worth taking a note for. The major benefits are strictly designed for the urban lifestyle of people who make transactions on a daily basis on platforms like online food, shopping, and movies. The additional benefits of added travel insurance and discount of tickets and lounge access are just cherry on top.
While you decide which cards you should go with, it is suggested that first you align your spending habits with the offerings of the cards. And additionally check the terms and conditions before submitting that application.
Written by Kenbi Riba
