RBL Bank
A low-fee railway co-brand card whose best value is railway-station lounge access and a train-cancellation ex-gratia benefit, not a competitive general earn rate.
reward points
Milestone rewards
Welcome benefit: 500 points on first spend ≥₹500 within 30 days, credited within 60 days once the fee is paid. Additional benefits: a Train Cancellation Shield (ex-gratia, max 1 claim per 6 months, domestic AC-class only) and a 1% transaction-fee waiver on IRCTC ticket booking, capped at ₹200/month, for bookings up to ₹5,000.
Railway-station IRCTC Executive Lounge access, not airport lounges — requires presenting the card plus a valid train ticket. A small authorization charge (₹2 RuPay / ₹25 Mastercard) is levied then refunded per visit; each visit includes a 2-hour stay, one buffet meal, tea/coffee, and Wi-Fi.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 2 September 2026
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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.
ICICI Bank
Sits between Coral and Sapphiro: more lounge and golf access than the entry cards, at roughly half Sapphiro's joining fee, on the same unpriced points programme.
