AU Small Finance Bank
The higher Aditya Birla co-brand tier — 10 points per ₹200 on travel/dining/international spend, a discounted 1.99% forex markup, and genuinely two-part lounge access: spend-gated domestic airport visits PLUS a separate annual Priority Pass visit.
reward points
Milestone rewards
The joining fee (₹999) has its own separate waiver, distinct from the renewal-fee waiver above: it is waived if ₹15,000 is spent within the first 30 days of card issuance. No ₹-per-point redemption value is disclosed. Also includes the Silver Spoon Dining Program.
2 complimentary domestic AIRPORT lounge visits per quarter, gated by ₹20,000 spend in the preceding quarter — plus a separate 1 Priority Pass visit per year (best used internationally, since domestic Priority Pass use is chargeable). A $27+tax usage charge applies beyond complimentary visits per this card's own FAQ, though the portfolio's general MITC states $35+tax for the same charge elsewhere in this dataset.
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.
