AU Small Finance Bank
A RuPay UPI card earning genuine 1% cashback (capped ₹500/cycle) plus a separate, unpriced "coins" currency on every UPI transaction — the only AU Bank card confirmed to have no annual-fee waiver of any kind, at any spend level.
cashback
Milestone rewards
No ₹-per-coin value is disclosed anywhere; coins never expire and redeem only through the AU Rewardz catalogue (e-vouchers, recharges, travel).
2 complimentary domestic AIRPORT lounge visits per quarter, gated by ₹50,000 spend in the preceding quarter effective 10 April 2026. A separate, unconditional railway lounge benefit also provides 2 visits/quarter.
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.
