American Express
A lower-fee travel card earning 1 Membership Rewards point per ₹50, with catalogue redemption rates ranging ₹0.30-0.50/point by partner and no insurance benefit at all — confirmed directly as "Not Applicable" in the issuer's own MITC.
reward points
Milestone rewards
No flat ₹-per-point redemption rate is published. The Platinum Travel Collection's own partner rates vary by category: Air India vouchers ≈₹0.30/point, Taj Hotels ≈₹0.40/point, The Postcard Hotels ≈₹0.50/point — none of these is treated as a reliable statement-credit floor. FTO-tier points never expire.
8 complimentary domestic visits/year (capped 2/quarter). International access via a complimentary Priority Pass membership ($99 annual fee waived, self-enrollment required).
Verified from official issuer sources. Last verified 31 August 2026
View issuer page ↗
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.
