Kotak Mahindra Bank
Explicitly invite-only — "You Can't Apply—You Must Be Invited!" — reserved for Kotak's highest-relationship-value customers, with literally unlimited domestic and international lounge access and forex/DCC waived to zero.
miles
1 Air Mile = ₹1 on flight, hotel, and add-on bookings; 1 Air Mile = ₹0.50 on vouchers/gift cards; airline/hotel partner transfers at variable ratios (e.g. Air India 1:1, British Airways 2:1, Marriott 3:1). Minimum 500 Air Miles for travel/voucher redemption, minimum 2,000 for a partner transfer. The card itself is metal. Cash advance is charged at just 1% (vs. the portfolio's usual 2.5%) with an interest-free period on cash advances entirely.
Unlimited domestic and international lounge access for both primary and add-on cardholders, at 1,000+ airports worldwide. Plus 4 complimentary guest visits per primary cardholder per year (2 domestic, 2 international) — domestic entry carries a ₹2 validation charge, international a $1 charge auto-reversed within 7 working days. Add-on cardholders are not eligible for the guest allotment.
Not published by the issuer.
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.
