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.
reward points
Points redeem at ₹0.40 each against a statement, up to ₹1 against ICICI's catalogue.
Also one complimentary golf round a month, conditional on spending over ₹50,000 the previous month.
Verified from official issuer sources. Last verified 21 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.
