AU Small Finance Bank
Marketed toward Company Secretaries with a 25% ICSI membership-fee cashback, but the issuer's own formal eligibility criteria carry no ICSI-membership restriction at all — earning 8 points per ₹100 in the discounted 1.99%-forex / 35.88%-APR tier.
reward points
Milestone rewards
No ₹-per-point redemption value is disclosed. Also includes a flat 25% cashback on the cardholder's annual ICSI membership-fee payment, once per card-anniversary year, primary cardholders only, credited within 60 days — a real, distinct benefit not modelled as a spend-category rule since it isn't tied to a SpendCategory. Points capped at 25,000/statement cycle across all categories, on top of the 5,000-point accelerated-category sub-cap.
2 complimentary domestic AIRPORT lounge visits per quarter (8/year). No Priority Pass or international lounge benefit is confirmed for this card, despite it sharing the same forex/APR tier as AU CA and Zenith.
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.
