SBI Card
The mid-tier IRCTC card — up to 10% value back on IRCTC bookings, real railway lounge access this schema can only describe in prose, and a welcome-benefit ratio that hints at but doesn't confirm a general ₹1 point value.
reward points
Milestone rewards
No general point redemption rate is stated. Railway lounge access: 8 complimentary visits a year (max. 2 per quarter) at Delhi, Jaipur, Agra, Ahmedabad and Kolkata (Sealdah), each a 2-hour stay including a buffet meal, unlimited tea/coffee, free Wi-Fi and newspapers/magazines, for a ₹2 card-validation charge. Also carries a complimentary Fraud Liability cover of ₹1 lakh.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 26 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.
