AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
reward points
Milestone rewards
A quarterly milestone DOUBLES every one of the three rates above (6x→12x, 4x→8x, 2x→4x) for retail spend exceeding ₹50,000 in a calendar quarter — not a flat bonus. Lounge access is 2 complimentary RAILWAY lounge visits per quarter (8/year) — no airport lounge exists on this card. No ₹-per-point redemption value is disclosed. Also includes the Silver Spoon Dining Program (up to 30% off at 300+ partner restaurants across 30 cities), and optional paid 90-day "features" (₹49-₹499) for additional cashback/streaming perks.
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.
