I forgot to mention in my earlier post of Bank of Baroda credit card that every time you make a purchase, you earn Bonus Points. With my credit card, I earn 1 Bonus Point for very Rs.100 of the purchase amount. So, if I make a purchase of Rs.1,000, then I earn 10 Bonus Points on my credit card. Now, each Bonus Point is work Rs.0.50 paisa.
Then as I understand, it is possible to redeem your accumulated Bonus Points on your credit card with cash. I know that Rs.0.50 paisa per Bonus Point is not much but hey it is better than nothing! It would be interesting to compare this with others such as CitiBank credit card and ICICI Bank credit card.
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