AU Small Finance Bank
Charges a recurring MONTHLY ₹49+GST fee (waivable each statement cycle on ₹10,000 spend) rather than an annual fee — earns 10 points per ₹200 on grocery/utilities/education/insurance, with no welcome benefit, no milestone, and no Ola cashback, unlike its three ABC siblings.
reward points
The card's own annual-fee figure recorded here (₹588) is an annualisation of a genuinely different fee structure: ₹49+GST charged EVERY MONTH, waived independently each statement cycle on ₹10,000+ spend that cycle — not a real annual charge. No welcome benefit and no milestone benefit exist on this card at all, confirmed absent, unlike ABC Nxt/Flex/Pro. No Ola cashback offer exists either. Lounge access is 2 complimentary RAILWAY lounge visits per quarter (8/year) — no airport lounge. The card's own marketing states its fuel surcharge waiver as "Unlimited," directly contradicting the ₹1,000/month cap recorded here from the same MITC document — both figures exist in AU Bank's own materials. No ₹-per-point redemption value is disclosed. Also includes the Silver Spoon Dining Program.
Verified from official issuer sources. Last verified 31 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.
