SBI Card
A PhonePe-app-focused card whose own page states "1 Reward Points = Re. 1" directly — a third distinct point-value pool in this portfolio, four times the standard SBI Rewardz rate, and not to be confused with IRCTC's coincidentally identical ₹1-per-point ticket-fare rate.
reward points
Milestone rewards
Points redeem at ₹1 each — a card-specific rate, stated on this page, not the portfolio-wide ₹0.25 default.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 26 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.
