SBI Card
The higher Apollo tier — whose own "up to 25% value back" headline does not reconcile against its stated 10-points-per-₹100 earn rate under any point value confirmed elsewhere in this portfolio, so the rate is recorded as points only, not converted into an invented percentage.
reward points
Milestone rewards
No general point value is stated for this card. Also carries a complimentary 1-year FITPASS PRO membership (on joining-fee payment plus a retail transaction) and "complimentary in-built Apollo Circle Benefits" with no further detail given.
Plus a complimentary Priority Pass membership worth $99, valid for 2 years.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 26 August 2026
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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 premium travel and lifestyle card carrying a substantial joining fee. Its value is concentrated in lounge access, welcome vouchers and golf rather than the earn rate, so it suits heavy travellers and nobody else.
ICICI Bank
Sits between Coral and Sapphiro: more lounge and golf access than the entry cards, at roughly half Sapphiro's joining fee, on the same unpriced points programme.
