AU Small Finance Bank
A Fixed-Deposit-secured card (min ₹20,000 FD, 2-year auto-renewing tenure, sole-ownership only) — the one AU Bank card with an explicitly stated Reward Point value of ₹0.25/point, and the highest cash-advance limit (70%) anywhere in the portfolio.
reward points
Milestone rewards
Points capped at 5,000/statement cycle across all categories.
2 complimentary domestic AIRPORT lounge visits per quarter, gated by ₹50,000 spend in the preceding quarter effective 10 April 2026 (an older, unreconciled FAQ answer on the same page instead states ₹20,000). A separate, unconditional railway lounge benefit also provides 2 visits/quarter.
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 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.
