Kotak Mahindra Bank
A low-fee digital-banking card with no dedicated Key Fact Statement of its own — earns Reward Points at 1-2 per ₹100, redeeming at the same ₹0.10 rate independently confirmed on two other Kotak cards, restricted to nine metro cities.
reward points
Milestone rewards
A separate 1% fee applies on cumulative fuel spend above ₹25,000 within a statement cycle, on top of the fuel surcharge waiver band.
Verified from official issuer sources. Last verified 30 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.
