Bank of Baroda
A no-fee, 0%-forex fintech co-brand cashback card with a directly disclosed ₹0.01/coin value, whose own KFS carries a genuine compounding-rate discrepancy on its stated APR.
cashback
Redeemable as cashback into the card account or Uni Rewards Store purchases; no redemption fee. Coins do not expire except if the card is unused for 365+ days, on cardholder death, or account closure.
Verified from official issuer sources. Last verified 4 September 2026
View issuer page ↗
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
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.
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.
