AU Small Finance Bank
Earns a confirmed 5 points per ₹100 on shopping/dining/travel (capped at 5,000 points/cycle) with an 8,000-point welcome bonus — but its own FAQ confirms no joining-fee waiver exists at all, and it sits in the portfolio's highest 3.49% forex tier despite an otherwise-premium positioning.
reward points
Milestone rewards
No ₹-per-point redemption value is disclosed. Milestone benefits state only a ceiling — "up to 50,000 Reward Points in a card-anniversary year" — with no intermediate thresholds published. Also includes up to 15% instant discount at partner merchants and No-Cost EMI on flight/hotel bookings through AU Rewardz. Points capped at 25,000/statement cycle across all categories, on top of the 5,000-point shopping/dining/travel sub-cap.
"Complimentary Domestic Airport Lounge Access" is stated with no visit count or spend-unlock threshold on this card's own page, and no international lounge access is mentioned at all — unlike Zenith+/Zenith/Vetta, each of which states an explicit domestic AND international count.
Verified from official issuer sources. Last verified 31 August 2026
View issuer page ↗
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.
