Axis Bank
An entry-level Lufthansa Group co-brand earning unpriced Award Miles at 4 per ₹200 — sitting, despite its travel positioning, in Axis's standard 55.55% APR tier with no fuel-surcharge waiver.
miles
Milestone rewards
No ₹-per-mile redemption value is stated anywhere by Axis; Award Miles credit to the cardholder's own Miles & More membership account. Miles expire unless the card is held 3+ months and at least 1 eligible purchase is made every month. Illustrative first-year total at ₹1,00,000/month spend, per the issuer's own example: 32,000 miles (5,000 welcome + 3,000 renewal + 24,000 spend-linked).
Domestic access via Mastercard's lounge programme, gated by ₹50,000 spend in the preceding 3 calendar months (waived for a grace period after issuance). International access via a complimentary Priority Pass, auto-issued on activation.
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 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.
