Kotak Mahindra Bank
An FD-backed Visa Signature card restricted to NRE/NRO account holders, stating an outlier ₹1/point Reward Point value — five times richer than every other Kotak card confirmed so far in this portfolio.
Reward points
Redeemable for movie tickets, air tickets, and cash via kotakcards.com. A railway surcharge waiver of up to ₹500/calendar year also applies, alongside the fuel surcharge waiver — the schema has no dedicated field for a railway-specific waiver.
"2 complimentary visits every quarter to select lounges in India" — no spend-based unlock condition is stated, unlike most of the portfolio.
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.
