Kotak Mahindra Bank
A low-fee Reward Points card whose "other categories" rate doubles from 4 to 8 points per ₹150 once annual spend crosses ₹2 lakh, redeeming at a Kotak-specific ₹0.07-0.10/point — a third distinct point value in this portfolio.
reward points
Milestone rewards
A railway surcharge waiver of up to ₹500/year also applies (1.80% online / 2.50% other bookings), alongside the fuel surcharge waiver. Priority Pass lounge access is extended per the portfolio MITC's special-terms list, but no visit count or unlock condition is stated on this card's own page.
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.
