Axis Bank
The top Vistara tier, closed to new applicants and discontinued for spends after 31 October 2026 — the only card in the family confirmed open to NRIs, sitting in Axis's standard 55.55% APR tier despite a ₹24 lakh income floor.
reward points
No ₹ value is stated anywhere for Maharaja Points. A welcome and annual-renewal complimentary Business Class ticket voucher, a complimentary Maharaja Club Gold membership, and a 4-tier spend-milestone ticket-voucher benefit (₹2.5L/₹5L/₹7.5L/₹12L) were part of this card's original structure but were discontinued as an interim measure effective from each card's renewal cycle after 12 Nov 2024. Also included 6 complimentary rounds of golf per year and a 24x7 concierge service — the concierge benefit was itself separately discontinued effective 1 May 2024.
Unlocked by ₹50,000 spend in the preceding 3 calendar months, waived for the issuance month plus the following 3 calendar months on a newly issued card — per a card-specific T&C revision effective 1 May 2024. Domestic only, via participating Visa lounges.
Verified from official issuer sources. Last verified 30 August 2026
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.
