Axis Bank
A lifestyle entry card confirmed to earn 4 EDGE Reward Points per ₹200, with a complimentary first-year SonyLIV subscription and quarterly domestic lounge access — its fuel surcharge treatment is genuinely unconfirmed rather than absent.
reward points
Milestone rewards
Points redeem at ₹0.20 each. A complimentary SonyLIV Premium annual subscription (₹1,499 value) is issued in the first year only. Also includes a Buy-One-Get-One movie ticket offer via the District app, ₹120 off Swiggy food delivery, and Cleartrip discounts of 7% (up to ₹2,000) on flights and 18% (up to ₹4,000) on hotels, each usable once a month.
"One complimentary access per calendar quarter to select airport lounges in India" — no spend-based unlock condition is stated for this card, unlike most of the portfolio. No international lounge access.
Verified from official issuer sources. Last verified 30 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 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.
