AU Small Finance Bank
A genuine cashback card (2% groceries/departmental/utility, 1% other retail) rather than AU Rewardz points — its "8 lounge visits/year" benefit is railway lounge access, not airport, and its cash-advance limit (40%) is double the entry-tier cards'.
cashback
Milestone rewards
Genuine cashback, credited directly — not AU Rewardz points, so no redemption-rate question applies. Also includes 8 complimentary RAILWAY lounge visits per year — not airport lounge access, despite the general shape of "lounge visits" elsewhere in this dataset; kept here rather than in the lounge field, which describes airport access specifically.
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.
