IndusInd Bank
An American Express-network card with literally unlimited domestic lounge access (extending to add-on cardholders too) — states its own point value directly at ₹0.75/point, and its annual fee has a genuine charge-then-reverse structure rather than an upfront waiver.
reward points
Also convertible to KrisFlyer airmiles at 2 Reward Points = 1 mile. Includes 1 complimentary golf game and 1 golf lesson per month, Total Protect fraud/loss cover, travel insurance (lost baggage ₹100,000, delayed baggage ₹5,000, loss of passport ₹50,000, lost ticket ₹25,000, missed connection ₹25,000), 24x7 concierge, Celesta Auto Assist roadside assistance, and Tablet Plus hotel membership benefits.
Domestic lounge access is stated as literally UNLIMITED, extending to add-on cardholders too — no visit count is recorded given this. International access is 2 complimentary visits per calendar quarter (8/year) via Priority Pass.
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.
