RBL Bank
RBL's by-invite-only metal flagship — a ₹50,000 annual fee with benefits RBL has not disclosed publicly, so it is not something a reader can apply for directly.
Reward points
RBL has not disclosed Lumière's earn rate or reward-point redemption value on its public product page, and no card-specific Terms & Conditions PDF could be found — left unset rather than guessed.
Not published by the issuer.
Verified from official issuer sources. Last verified 2 September 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
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.
