IndusInd Bank
Not invite-only, despite its reputation — the card's own page publishes explicit income eligibility (₹36 lakh salaried / ₹42 lakh self-employed) and a normal application path, states the richest point value in this portfolio (₹1/point), and carries the lowest APR of any currently-active card besides Pioneer Private.
reward points
Also redeemable as KrisFlyer miles, Maharaja Points (Air India), or via the IndusMoments catalogue. Golf benefit upgraded effective 10 March 2026 to 4 complimentary games and 4 complimentary lessons per month — the highest golf allocation found anywhere in this portfolio. Also includes Total Protect fraud/loss cover, a dedicated "Direct Connect" priority phone-banking line, and "Indulge Care" concierge email. The card design is notable: "first credit card in the Indian sub-continent that comes with a pure 22K Gold inlay."
4 complimentary international lounge visits per calendar quarter (16/year) via Priority Pass, effective 13 March 2025. Domestic access is subject to the same spend-gating rollout as other premium cards, effective July 2026.
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 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.
