Instant discount
A percentage taken off at the payment page when you pay with an eligible card and meet a minimum spend. The strongest benefit for a single large purchase.
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Bank & card offers
Credit card deals that actually stack
Every live bank offer on Durza, grouped by the bank that published it. Each one shows the store it works at, the discount it gives, and when it was last checked — so you can compare the real rupee value before you pay.
See live offers 13 live offers · 8 banks
Before you shop
How bank offers work
A bank offer is a discount the bank gives you for paying with its card. It is separate from the store's own sale, which is why the two usually combine.
No-cost EMI
Spread a big-ticket purchase over months without interest. Check for a processing fee before assuming it is free.
Cashback & rewards
Money or points returned after the purchase. Valuable for smaller buys and for shoppers who already hold a rewards card.
Eligibility rules
Most offers have a minimum spend, a discount cap, and exclusions for sale items, corporate cards or specific brands.
Live now
Bank offers you can use today
Sourced from store offer pages and bank offer pages. If a bank has no live offer right now, it does not appear here — we would rather show nothing than a stale deal.
HDFC Bank
Instant discount and no-cost EMI at electronics, fashion and travel stores
Best for: Big-ticket electronics and appliances
3 live offers
Croma
Croma: 7.5% instant discount on HDFC Bank & YES Bank credit-card EMINo shopper reports yet · Expires Oct 20
Up to 7.5% off (max ₹3,000)View offer
Reliance Digital
Reliance Digital: 5% cashback or 5X reward points with HDFC Bank cards & PayZappNo shopper reports yet
5% offView offerReliance Digital
Reliance Digital: up to 6,000 rupee instant discount on iPhone 17 Pro, Pro Max & Air with HDFC Bank cardsNo shopper reports yet · Expires Oct 25
Up to ₹6,000 offView offer
ICICI Bank
Instant discount and EMI across travel, electronics and lifestyle
Best for: Travel bookings and mid-range electronics
3 live offers
MakeMyTrip
MakeMyTrip: up to 15% instant discount with ICICI Bank credit cards, code FLYMONNo shopper reports yet
Up to 15% offView offer
ixigo
ixigo: 12% discount on flights with ICICI Bank credit cards, code IXICICIDNo shopper reports yet
12% offView offerixigo
ixigo: 10% discount up to 1,000 rupees with ICICI Bank net banking, code IXICICINBNo shopper reports yet
Up to 10% offView offer
RBL Bank
Flat percentage discounts on travel and hotels
Best for: Hotel and travel bookings
2 live offers
ixigo
ixigo: flat 10% off domestic hotels with RBL Bank credit cards, code IXRBLDNo shopper reports yet · Expires Nov 30
10% offView offerixigo
ixigo: flat 10% off up to 2,500 rupees on international hotels with RBL Bank credit cards, code IXRBLNNo shopper reports yet · Expires Nov 29
Up to 10% off (max ₹2,500)View offer
IDFC First Bank
Flat EMI discounts on electronics
Best for: Fixed, predictable discounts on appliances
1 live offer
Croma
Croma: 2,000-15,000 rupee instant discount with IDFC Bank credit-card EMINo shopper reports yet · Expires Oct 20
DealView offer
IndusInd Bank
Flat discounts plus interest-free EMI on travel
Best for: Flights, hotels and holiday packages
1 live offer
ixigo
ixigo: flat 12% off domestic flights & hotels with IndusInd Bank credit cards, code INDEMIDNo shopper reports yet · Expires Oct 31
12% offView offer
Federal Bank
Flat discounts plus interest-free EMI on travel
Best for: Flights and hotel bookings
1 live offer
ixigo
ixigo: flat 12% off flights & hotels with Federal Bank credit cards, code IXFEDERALNo shopper reports yet · Expires Oct 31
12% offView offer
YES Bank
Instant discount on EMI at electronics stores
Best for: Electronics purchased on EMI
1 live offer
Croma
Croma: 7.5% instant discount on HDFC Bank & YES Bank credit-card EMINo shopper reports yet · Expires Oct 20
Up to 7.5% off (max ₹3,000)View offer
HSBC
Instant discount and EMI at select stores
Best for: Cardholders shopping at partner retailers
1 live offer
20% offView offer
At a glance
What each bank typically runs
General guidance, not a live offer: bank promotions change often and are store-specific. The live count is real and comes from Durza's catalogue.
| Bank | Typical benefit | Best for | Live offers |
|---|---|---|---|
| HDFC | Instant discount and no-cost EMI at electronics, fashion and travel stores | Big-ticket electronics and appliances | 3 |
| ICICI | Instant discount and EMI across travel, electronics and lifestyle | Travel bookings and mid-range electronics | 3 |
| SBI | Cashback and EMI on large purchases | Shoppers who prefer simple cashback | — |
| Axis | Instant discount and accelerated rewards online | Frequent online shoppers | — |
| Kotak | Discounts and EMI at partner stores | Mid-range electronics and appliances | — |
| IDFC | Flat EMI discounts on electronics | Fixed, predictable discounts on appliances | 1 |
| RBL | Flat percentage discounts on travel and hotels | Hotel and travel bookings | 2 |
| IndusInd | Flat discounts plus interest-free EMI on travel | Flights, hotels and holiday packages | 1 |
| Federal | Flat discounts plus interest-free EMI on travel | Flights and hotel bookings | 1 |
| YES | Instant discount on EMI at electronics stores | Electronics purchased on EMI | 1 |
| Citi | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | — |
| HSBC | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | 1 |
| Standard Chartered | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | — |
| Bank of Baroda | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | — |
| PNB | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | — |
| Canara | Instant discount and EMI at select stores | Cardholders shopping at partner retailers | — |
Get the most out of it
Stack a bank offer correctly
- 1
Start from the sale price
Buy during the store's sale so the base price is already reduced.
- 2
Clip the store coupon
Apply any product or cart coupon before you reach the payment page.
- 3
Select the bank offer
Choose your bank at payment and confirm you meet the minimum spend.
- 4
Check the final summary
Make sure the bank discount line appears before you pay.
Frequently asked questions
- Which bank gives the best instant discount on electronics?
- The best instant discount is whichever offer is live at the store you are buying from. Compare the rupee value of each live offer on your actual cart rather than choosing by bank brand.
- Can I combine a bank offer with a store coupon?
- Often, yes. A store coupon reduces the cart before payment, and a bank instant discount applies at the payment page to the resulting amount, provided the minimum spend is still met.
- Do bank offers work on already-discounted products?
- Sometimes. Some banks apply the discount to the final price, while others exclude clearance or sale items. Always read the exclusion list on the bank's offer page.
- Is no-cost EMI really free?
- No-cost EMI removes the interest, but some banks or retailers add a processing or convenience fee. Add any fee to the total before comparing it with paying upfront.
- How do I know a bank offer applied?
- The order summary shows a separate discount line for the bank offer. If it is missing, confirm the offer was selected at the payment page and that you met the minimum spend.
Bank offers are set by the banks and stores, not by Durza, and can change or end at any time. We may earn a commission when you shop through links on this page; it does not change the price you pay. See our affiliate disclosure.