AU Small Finance Bank
The card's own page states two genuinely unreconciled reward structures for offline spend at once — a 1.5% cashback line and a separate 1-point-per-₹100 line — both kept as-is rather than one being silently discarded; online spend earns 2 points per ₹100.
reward points
Milestone rewards
The offline-spend inconsistency above is genuine — AU Bank's own live page states both a cashback rate and a points rate for the same offline category without reconciling them, most likely leftover content from a programme change. No ₹-per-point redemption value is disclosed. Also includes 8 complimentary RAILWAY lounge visits per year, kept here rather than the lounge field, which describes airport access specifically. Points capped at 25,000/statement cycle across all categories.
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.
