Bank of Baroda
A no-fee, 0%-forex fintech co-brand card earning Scapia Coins with a directly disclosed ₹0.20/coin redemption value and real unlimited (spend-gated) domestic lounge access — issued only through the Scapia app.
reward points
Coins are valid for 36 months and are nullified if the card goes unused for 365+ days.
"Unlimited" domestic lounge access, gated on ₹20,000 spend per billing cycle plus continued monthly activity; access activates 3–5 working days after the billing date. No international lounge access. A separate 'Airport Privileges' benefit credits Scapia Coins equal to eligible airport-outlet spend, capped at 5,000 coins (top 6 metros) or 2,500 coins (other cities).
Verified from official issuer sources. Last verified 4 September 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.
