AU Small Finance Bank
"India's 1st Customisable Credit Card" — every benefit (lounge access, accelerated points, category cashback, fuel waiver) is a separate paid 90-day add-on purchased in-app, not a standard included feature, so nothing here is modelled as a structured earn rule.
reward points
This card's entire benefit structure is a paid feature marketplace, not standard earning: ₹399/90 days for 1 airport lounge visit (max 2 selectable per period); ₹199/90 days for 5x accelerated points OR ₹299/90 days for 10x, purchasable separately for online and for offline spend; ₹49/90 days for a 1% fuel surcharge waiver (₹400-₹5,000 transactions) — otherwise this card has NO fuel surcharge waiver at all, per the portfolio KFS's explicit carve-out; ₹199-299/90 days for 5% category cashback on grocery or apparel spend (capped ₹1,000/30 days each); plus streaming-subscription and gift-voucher features with their own spend-to-qualify conditions. No base earn rate applies without purchasing a feature, and no ₹-per-point redemption value is disclosed for the underlying Reward Points currency. Points capped at 10,000/statement cycle. Also includes ₹1.5 lakh card liability cover and ₹1.5 lakh Credit Shield insurance.
Verified from official issuer sources. Last verified 31 August 2026
View issuer page ↗
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
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.
ICICI Bank
Free for life, for Indian Defence and Paramilitary personnel only. No income requirement at all, and lounge and golf access that would ordinarily sit behind a substantial fee.
