IndusInd Bank
The one card in this batch with explicitly published income eligibility (₹10 lakh salaried / ₹12 lakh self-employed annual) — states its own ₹0.75/point cash-redemption value directly, earning up to 2.5 points per ₹100 on e-commerce.
reward points
Also redeemable via IndusMoments, "Pay with Rewards" (Twid), KrisFlyer airline miles, or Vistara/Maharaja Points. Also includes 1 complimentary golf game and 1 golf lesson per month, effective 13 March 2025 (upgraded from a lower prior frequency).
1 complimentary international lounge visit per calendar quarter (4/year) via Priority Pass, effective 13 March 2025. Domestic lounge access is a newer benefit still rolling out — spend-criteria tracking begins from the July 2026 quarter, with no visit count or unlock threshold published yet.
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.
