American Express
Earns Membership Rewards points that never expire (the FTO tier) at 1 per ₹50 — its complimentary domestic Centurion Lounge access was discontinued in September 2023, replaced by 12 domestic and 2 international visits a year, and it carries the only Air Accident insurance cover among Amex's four Indian credit cards.
reward points
Milestone rewards
No flat ₹-per-point redemption rate is published; a general Membership Rewards catalogue example (a Tanishq/Tata CLiQ voucher) implies roughly ₹0.375/point, not a reliable statement-credit floor. FTO-tier points never expire. Also includes complimentary golf access twice a month at 30+ courses, conditional on ₹50,000 spend on the card in the two preceding months. Carries ₹1 crore Air Accident cover on a ticket purchased with the card — the only one of Amex's four Indian credit cards with this benefit.
12 complimentary domestic visits/year (capped 3/quarter). International access via a complimentary Priority Pass membership ($99 annual fee waived), 2 visits/year — replacing Centurion Lounge access, discontinued 1 September 2023.
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.
