AU Small Finance Bank
AU Bank's cheapest card at ₹100/year, whose own FAQ confirms it has no welcome benefit at all — earns 2 points per ₹100 only on spend past a ₹5,000-per-cycle threshold, itself capped at 1,000 points/cycle.
reward points
Milestone rewards
No welcome benefit exists on this card, confirmed directly by the issuer's own FAQ. No ₹-per-point redemption value is disclosed anywhere. Points capped at 25,000/statement cycle across all categories.
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 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.
