American Express
An entry-level revolving credit card earning 1 Membership Rewards point per ₹50, with a genuinely two-tiered annual fee waiver (100% at ₹1.5 lakh spend, 50% at ₹90,000+) and no lounge access at any spend level.
reward points
Milestone rewards
No general blanket ₹-per-point redemption rate is published — the same ₹0.25/point cancellation-only floor and ₹0.33-0.58/point catalogue range applies as on the Gold Card, neither treated as a reliable general floor. Also includes the same limited-period, non-permanent "5X Reward Multiplier" promotional offer.
Verified from official issuer sources. Last verified 31 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 premium travel and lifestyle card carrying a substantial joining fee. Its value is concentrated in lounge access, welcome vouchers and golf rather than the earn rate, so it suits heavy travellers and nobody else.
