Kotak Mahindra Bank
A Fixed Deposit-backed secured RuPay card genuinely mid-transition: its Reward Points programme was discontinued 1 April 2026 and its replacement cashback scheme has no published rate anywhere, so it currently has no active, priced earning mechanism at all.
reward points
Milestone rewards
The Reward Points Program on this card was discontinued effective 1 April 2026; points earned through 31 March 2026 remain redeemable only until 30 September 2026, after which they expire. Its replacement Cashback Program does not take effect until the billing cycle commencing September 2026, and the MITC states no percentage rate for it anywhere — deferring entirely to the website. As of this record's verification, the card genuinely has no active, rate-stated earning mechanism. Milestone spend offers were also discontinued effective 1 April 2026, though milestones already reached before that date remain claimable. Cash advances are charged a flat ₹100 per instance (not a percentage) with an interest-free period until the payment due date — an unusually lenient term shared with Kotak Solitaire and Kotak Fortune.
Verified from official issuer sources. Last verified 30 August 2026
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ICICI Bank
A lifetime-free card that pays its best rate on Amazon. Worth holding for Amazon spend; unremarkable elsewhere, and you cannot simply apply for it.
ICICI Bank
An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.
ICICI Bank
A no-fee starter card. Earns the same catalogue points as Coral but without the lounge, cinema or milestone benefits, so the fee saving is most of what distinguishes it.
