CardIQIndia
Verified by CardIQ admin · last checked 05 Jul 2026
45
#8 of 70 in debit
Tide

Tide Prepaid Expense Card

debitRuPayentry

Score breakdown

Data completeness: 90% · Last verified: 06 Jul 2026

Reward value32/100 · weight 65%
≈ 1.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, wallet_load, fuel, insurance, rent. Reward score is scaled by ×(1 − 4.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency100/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks10/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Waiver: Lifetime Free — no joining or annual fee

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1.5%—Flat 1.5% cashback on eligible card spends. Credited in INR to the Tide wallet. No monthly cap.
fuelcashback0%—No cashback on fuel / reversed / refunded / failed transactions.
rentcashback0%—No cashback on rent payments.
wallet_loadcashback0%—No cashback on wallet loads / reloads.
governmentcashback0%—No cashback on government payments.

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

No cashback on reversed, refunded or failed transactionsNo cashback on fraudulent or non-compliant activityRewards Pass milestone rewards valid only during subscription periodCashback rates, milestones and eligible categories may change monthlyPromotional rewards may take up to 60 days to creditPrepaid card — does not build credit history

Welcome offer

No traditional welcome bonus. Free physical + virtual card issuance on Tide Business account.

What's inside

Welcome benefits

  • Rewards Pass (Optional Subscription)

    ₹3,000

    Optional paid add-on. Unlocks milestone cashback and up to 1.75% on eligible bank transfers. The value shown is a conservative annual estimate net of the subscription cost and depends entirely on whether milestones are hit.

    yearly.

Lifestyle

  • Merchant Offers

    ₹0

    Access to exclusive merchant offers and limited-time campaigns. Value varies by offer.

    yearly.