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.
reward points
Also convertible to KrisFlyer airmiles at 2 Reward Points = 1 mile. Golf benefit upgraded effective 10 March 2026 to 2 complimentary games and 2 complimentary lessons per month, plus the Mastercard Golf Program and TPC Network access. Also includes Total Protect fraud/loss cover, Mastercard Airport Concierge (15% off Meet & Greet), Flexiroam global roaming, and Mastercard Epicurean fine-dining access.
2 complimentary international AND 2 complimentary domestic lounge visits per calendar quarter (8/year each) via LoungeKey. Domestic access becomes spend-gated from the July 2026 quarter onward.
Verified from official issuer sources. Last verified 31 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 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.
