Axis Bank
A lifetime-free LIC co-brand earning a distinctly-branded, unpriced "Reward Points" currency at 2 per ₹100 on LIC premium payments (official gateway only) and forex — with 8 domestic lounge visits a year, but no base earn rate stated anywhere.
reward points
No ₹-per-point value is stated by the issuer; the shared LIC Rewards Catalogue's own redemption pricing implies roughly ₹0.95-1/point for a specific gift-card redemption on this card, but that is arithmetic derived from the catalogue rather than an issuer-stated rate. A ₹30+GST handling charge applies per redemption request per the shared catalogue, though this card's own fee table separately states its redemption fee as "No" — both figures are kept, not reconciled. Points expire 12 months after accrual. Also includes complimentary lost-card-liability insurance cover up to the credit limit.
2 complimentary visits per calendar quarter, per the official Lounge Access Program ("Set B"), unlocked by ₹50,000 spend in the preceding 3 calendar months — waived for a newly issued card in its issuance month plus the following 3 months. A small lounge-entry validation fee (₹2 Visa/RuPay, ₹25 Mastercard) applies at swipe. Domestic only.
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.
