73 open cards whose structured reward, lounge, or fee data qualifies them for premium travel.
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.
ICICI Bank
ICICI's top card, by invitation through a relationship manager only. Unlimited lounge access and golf, the lowest forex markup in the portfolio, and no late payment fee at all — but the reward rate is stated per ₹200, not per ₹100, and capped hard on everyday categories.
ICICI Bank
The lowest forex markup in ICICI's range at 0.99%, which makes it interesting well beyond MakeMyTrip. The rewards are myCash — MakeMyTrip wallet credit, not cash — so their value depends entirely on booking through that one platform.
ICICI Bank
The applied-for sibling of Emeralde Private Metal, at a slightly lower fee and with meaningfully narrower benefits: lounge access covers the primary cardholder only, and the late payment fee its metal sibling waives entirely still applies here.
ICICI Bank
ICICI's highest-fee card at ₹20,000 a year. Unusually, ICICI states its earn rate as a percentage rather than as points, and it is the only card in the range with no ATM withdrawal fee.
ICICI Bank
An airport-services card rather than a rewards card. Its value sits in lounge upgrades, valet parking, porters and Pranaam — the earn rate cannot even be priced, because Adani publishes no value for the currency it pays in.
ICICI Bank
An Emirates loyalty card, not a rewards card. It pays in Skywards Miles, which have no published rupee value, so its worth depends entirely on flying Emirates — and it demands ₹2.5 lakh a month of income to hold.
ICICI Bank
Half the fee and three-quarters of the earn rate of the Emirates Emeralde, but its domestic lounge access has to be earned with ₹75,000 of spend each quarter rather than simply held.
ICICI Bank
Free for life, for Indian Defence and Paramilitary personnel only. No income requirement at all, and lounge and golf access that would ordinarily sit behind a substantial fee.
SBI Card
SBI's premium tier: 1.99% forex against the portfolio's 3.5% default, real lounge access, and the same ₹0.25 point value as the ₹499 entry card — the fee difference buys benefits, not a better redemption rate.
SBI Card
The middle Miles tier: double the plain Miles card's earn rate, a 2.5% forex rate confirmed on its own page, and a cleaner lounge structure than its sibling — a flat 8 domestic and 4 international visits stated without the ambiguity the plain Miles card's own page carries.
SBI Card
The top Miles tier, at the same 1.99% forex rate as SBI Card ELITE and AURUM — verified entirely from its Terms & Conditions and the MITC rather than its own product page, which is JavaScript-rendered and could not be read as text here.
SBI Card
SBI's NeuCoins card: a clean, issuer-stated "1 NeuCoin = Re. 1" redemption rate — no derivation needed — spendable only within the Tata Neu ecosystem, at the same 1.99% forex rate as SBI Card ELITE.
SBI Card
A ₹2,999 mid-premium card with real golf and lounge benefits, and — unusually for this dataset — an explicit multi-network statement on its own page (Mastercard, Visa and American Express) rather than silence on the point.
SBI Card
SBI's top Singapore Airlines co-brand, at ₹9,999 with no waiver — KrisFlyer Miles credit straight to the cardholder's own KrisFlyer account, with no statement-redemption option and no stated rupee value at all, unlike every SBI Reward Points card in this dataset.
SBI Card
The ₹2,999 entry point into SBI's Singapore Airlines co-brand — a third of APEX's earn rate, half its fraud-loss cover, and the same unpriced KrisFlyer Miles currency.
SBI Card
Named and marketed toward doctors — Professional Indemnity cover, 5x on medical supplies — but, like SBI's Shaurya-family cards, nothing on its own page actually restricts eligibility to registered medical professionals.
SBI Card
SBI Card's invite-only flagship — ₹9,999 with the whole portfolio's only points that never expire, no per-category earn rate stated anywhere, and lounge/insurance figures that exist only in press coverage sbicard.com itself reprints rather than in its own T&C.
SBI Card
The premium IndiGo tier — more than double the base card's BluChips rate, real lounge access, and the 1.99% forex tier the KFS names it in explicitly, even though the card's own page never states a forex figure at all.
SBI Card
The higher Reliance tier — double the base card's earn rate, real lounge access, and a monthly free-movie-ticket perk this schema has no dedicated field for.
SBI Card
The top Landmark tier — 2.5x the base card's rate at Landmark stores, real lounge access, and a third independent welcome-benefit cross-check of the same ₹0.25 point value.
Axis Bank
Axis's flagship rewards card — a genuinely tiered earn rate that nearly triples once monthly spend passes ₹1.5 lakh, unlimited lounge access, and points that redeem only through a catalogue with no confirmed rupee value at all.
Axis Bank
Axis's top invite-adjacent flagship — 50 complimentary golf rounds a year, unlimited lounge access with guest visits, and the same catalogue-only, unpriced point redemption as MAGNUS.
Axis Bank
A travel-focused card whose own Value Chart states "1 EDGE Mile = ₹1" directly — a clean, card-specific currency, unlike EDGE Reward Points' portfolio-wide ₹0.20 rate.
Axis Bank
No live product page exists at all — verified entirely from Axis's own MITC and this card's own Terms & Conditions PDF, the card onto which former Citibank Prestige holders were migrated. Unlimited lounge access, golf, and concierge, but genuinely unpriced EDGE Miles.
Axis Bank
A travel card with a genuine, spend-tiered lounge structure (Silver/Gold/Platinum, unlocked at ₹3L/₹7.5L/₹15L annual spend) and the first Axis card in this dataset with confirmed income eligibility — but its own apply flow appears broken, raising an open question about whether it's still genuinely available.
Axis Bank
Complimentary for Burgundy relationship customers, ₹3,000 for everyone else — its welcome benefit is an exact cross-check of Axis's standard ₹0.20 point value, and it's the second Axis card in this dataset with confirmed income eligibility.
Axis Bank
The affluent IndiGo co-brand tier — a reduced 2.5% forex markup, real international lounge access via Priority Pass, and a ₹6 lakh income floor the base card does not require.
Axis Bank
An entry-level Lufthansa Group co-brand earning unpriced Award Miles at 4 per ₹200 — sitting, despite its travel positioning, in Axis's standard 55.55% APR tier with no fuel-surcharge waiver.
Axis Bank
The higher Miles & More tier — 6 Award Miles per ₹200, up to 55,000 first-year miles per the issuer's own illustration, and richer lounge access, but a DCC markup that jumped from 1.5% to 3.5% just two days before this record was verified.
Kotak Mahindra Bank
A travel Air Miles card in Kotak's discounted 2% forex/DCC bucket, earning 5 miles per ₹100 on flight/hotel bookings and auto-dealer spends — its Air Mile is worth ₹1 for travel redemptions but ₹5 for instant vouchers, so no single percentage rate is derived from it.
Kotak Mahindra Bank
Explicitly invite-only — "You Can't Apply—You Must Be Invited!" — reserved for Kotak's highest-relationship-value customers, with literally unlimited domestic and international lounge access and forex/DCC waived to zero.
Kotak Mahindra Bank
An affluent milestone-reward card — its entire White Pass benefit is tiered annual-spend vouchers, up to ₹27,000/year, worth ₹1 each on the catalogue or ₹0.70 as cashback, with a ₹25 lakh income floor.
Kotak Mahindra Bank
A metal super-premium card with no explicit eligibility or invite-only statement anywhere — though it carries zero Apply Now links, purely circumstantial — offering unlimited worldwide lounge access and White Pass tiers up to ₹2,50,000/year.
Kotak Mahindra Bank
Earns distinctly-branded Zen Points at 5-10 per ₹150, redeeming at a rate that numerically matches this portfolio's standard ₹0.20-0.25 range by coincidence rather than confirmed shared currency — capped at 6,500 points per billing cycle.
Kotak Mahindra Bank
The premium Air Miles tier — 5 miles per ₹100 on flight/hotel bookings, a discounted 2% forex/DCC marketed as "Low Foreign Currency Mark-up," and both domestic and international lounge access, but international spend itself earns no miles at all.
American Express
A Charge Card with genuinely no revolving interest — the full statement balance is due each cycle, backed by a 5%-of-unpaid-balance Delinquency Fee (minimum ₹300/month) instead of an APR — at a ₹66,000 annual fee with no stated waiver and no cap on lounge visits.
American Express
Earns Membership Rewards points that never expire (the FTO tier) at 1 per ₹50 — its complimentary domestic Centurion Lounge access was discontinued in September 2023, replaced by 12 domestic and 2 international visits a year, and it carries the only Air Accident insurance cover among Amex's four Indian credit cards.
American Express
A lower-fee travel card earning 1 Membership Rewards point per ₹50, with catalogue redemption rates ranging ₹0.30-0.50/point by partner and no insurance benefit at all — confirmed directly as "Not Applicable" in the issuer's own MITC.
AU Small Finance Bank
The highest annual fee in AU Bank's portfolio (₹7,999), yet it sits in the standard 45% p.a. APR tier — only its forex markup is discounted. Rewards are marketed only as "up to 5x" with no published base rate.
AU Small Finance Bank
A flat "up to 4 points per ₹100" rewards card with no category breakdown published, sitting in its own distinct 2.99% forex tier and a 30% cash-advance limit — the highest cash-advance allowance anywhere in this portfolio.
AU Small Finance Bank
The only AU Bank card at a 0% forex/DCC markup, exempted from the portfolio's Transportation fair-usage fee, and gated by an explicit "registered on ixigo Platforms" requirement — yet it still sits in the standard 45% p.a. APR tier.
AU Small Finance Bank
An NRI-only card requiring both an existing NRE savings account AND an NRE Fixed Deposit with AU Bank, applied for at a branch rather than online — one of only two AU Bank cards with genuine international airport lounge access, and shares Zenith+'s zero cash-withdrawal fee.
AU Small Finance Bank
The higher Aditya Birla co-brand tier — 10 points per ₹200 on travel/dining/international spend, a discounted 1.99% forex markup, and genuinely two-part lounge access: spend-gated domestic airport visits PLUS a separate annual Priority Pass visit.
Federal Bank
A promotionally fee-free card ("limited period offer," not a permanent term) earning 3x/2x/1x Federal Reward Points on travel/dining/other spend, with genuine no-spend-criteria international lounge access — one of only two Federal Bank pages this dataset could reach past its bot protection.
Federal Bank
Identical fees and rewards to its Visa sibling, but with a genuinely Mastercard-exclusive Golf Programme (4 green fees/year, 12 lessons, 50% off golf services) that Visa Celesta does not carry.
IndusInd Bank
A dual co-brand with Avios Group and Qatar Airways — cardholders choose British Airways Executive Club or Qatar Airways Privilege Club — earning genuinely unpriced Avios at up to 6 per ₹200, with cash advance charges and the reward redemption fee both explicitly waived.
IndusInd Bank
A Bajaj Capital Group co-brand (with Tiger Fintech) whose earn rate accelerates with cumulative ANNUAL spend rather than category — up to 6x the base 1-point-per-₹100 rate once ₹5 lakh/year is crossed — at a directly stated ₹0.40/point.
IndusInd Bank
The one card in this batch with explicitly published income eligibility (₹10 lakh salaried / ₹12 lakh self-employed annual) — states its own ₹0.75/point cash-redemption value directly, earning up to 2.5 points per ₹100 on e-commerce.
IndusInd Bank
A super-premium card with literally unlimited domestic and international lounge access, a genuine 0% forex markup, and late payment/over-limit/cash advance charges all waived — but no explicit invite-only statement was found on its own page, unlike its Pioneer Private sibling.
IndusInd Bank
Earns double points on weekends (2/₹100) versus weekdays (1/₹100), the same weekday/weekend split as the mainstream Legend card, but at a ₹50,000 joining fee with 2 international lounge visits per quarter — no ₹-per-point value is disclosed for this card specifically.
IndusInd Bank
Explicitly invite-only, stated directly and repeatedly: "offered exclusively for Pioneer Private clients of IndusInd bank." The most complete fee exemption in this dataset (late payment, over-limit, AND cash advance all waived) at the lowest APR found anywhere in this portfolio, with unlimited domestic and international lounge access.
IndusInd Bank
Unusually generous lounge access — 4 international AND 4 domestic visits per quarter (16/year each) — with forex markup explicitly waived to 0%, but the portfolio MITC genuinely conflicts with itself on this card's own APR (46.00% p.a. in the fee table vs. 42.00% p.a. stated separately elsewhere in the same document).
IndusInd Bank
An American Express-network card with literally unlimited domestic lounge access (extending to add-on cardholders too) — states its own point value directly at ₹0.75/point, and its annual fee has a genuine charge-then-reverse structure rather than an upfront waiver.
IndusInd Bank
Marketed with genuine exclusivity language ("Not everyone can be a part of this") but NOT phrased as invite-only, with a standard application flow available — earning 2.5 points per ₹100 on international spend at a directly stated ₹0.75/point.
IndusInd Bank
Not invite-only, despite its reputation — the card's own page publishes explicit income eligibility (₹36 lakh salaried / ₹42 lakh self-employed) and a normal application path, states the richest point value in this portfolio (₹1/point), and carries the lowest APR of any currently-active card besides Pioneer Private.
RBL Bank
RBL's by-invite-only metal flagship — a ₹50,000 annual fee with benefits RBL has not disclosed publicly, so it is not something a reader can apply for directly.
RBL Bank
A relationship-priced premium card — free for existing Insignia Preferred Banking customers via their RM, ₹7,000/year through RBL's standard application for everyone else.
RBL Bank
A super-premium travel card with an issuer-confirmed ₹1-per-point value and generous lounge access, aimed at cardholders who can clear the ₹10 lakh annual-spend fee waiver.
RBL Bank
A mid-tier travel-and-dining points card with uncapped-feeling accelerated categories, undermined by an undisclosed redemption value and chargeable international lounge visits.
RBL Bank
A 0%-forex travel card with real complimentary international lounge access, undermined only by an unpublished reward-point redemption value.
RBL Bank
The entry-level 0%-forex travel card in RBL's World Safari family, at a ₹1,000 annual fee, with a genuinely unpublished redemption value.
RBL Bank
The mid-tier Shoppers Stop co-brand card, doubling Gold's fee and point values but leaving redemption inconvenient off the RBL Rewards Portal.
RBL Bank
The top Shoppers Stop co-brand tier at a ₹10,000 fee, with the family's best in-store point value but no lounge access despite the premium name.
RBL Bank
A TVS Credit co-brand card with real spend-gated lounge access, whose "up to ₹0.25" point value sits alongside RBL's own boilerplate disclaiming that points carry any guaranteed value at all.
RBL Bank
An NRI-focused premium card with a confirmed 1.5% forex markup and real numeric domestic/international lounge access, though RBL's own documents disagree on whether it's NRI-exclusive or also open to a domestic relationship tier.
RBL Bank
The richer relationship-tier cashback card above Aspire Banking, with unconditional domestic lounge access and a genuine fuel surcharge waiver — free only for RBL's Signature Banking segment.
Yes Bank
An invite-only wealth-tier card, not something a reader can apply for — reserved for Yes Bank's Private banking relationship customers.
Yes Bank
The lower-fee sibling of YES Private, sharing the same invitation-only gate and earn structure at a smaller guest-lounge allowance.
Yes Bank
A super-premium travel card with a genuinely disclosed ₹0.10–0.25 point value and real quarterly-spend-gated lounge access.
Yes Bank
The higher-tier business card above Prosperity Business, adding confirmed numeric international lounge access at double the earn rate.
Bank of Baroda
A 0%-forex airline co-brand card earning Etihad Guest Miles directly, with real numeric domestic and international lounge access.
Bank of Baroda
The entry Etihad Guest co-brand card, at half the fee and earn rate of Premium, with a 1% forex markup instead of 0%.
