Axis Bank
A zero-fee, UPI-first RuPay card, confirmed directly on its own network — its EDGE Reward Points rate is applied here retroactively from Axis's already-confirmed ₹0.20 rate, since the card states no rate of its own.
reward points
Points redeem at ₹0.20 each, applied retroactively from the same rate confirmed elsewhere in this portfolio.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 28 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.
