Axis Bank
Genuine, bracketed cashback on online spends (2%/5%/7% depending on monthly spend level) and a flat 0.75% on everything offline — explicitly confirmed on its own page to carry NO fuel surcharge waiver at all, unlike most of this portfolio.
cashback
Milestone rewards
Genuine cashback, credited automatically before the next statement with no minimum redemption amount. The three online brackets (2%/5%/7%) share one combined cap of ₹4,000 cashback per statement month — not three separate caps.
Verified from official issuer sources. Last verified 28 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.
