RBL Bank
A low-fee grocery cashback card with no lounge access or fuel benefit, and an unstated redemption value for its points-form cashback.
cashback
Cashback is credited as reward points redeemable at rblrewards.rbl.bank.in; no INR-per-point value is stated. Welcome benefit: ₹500 gift voucher on annual fee payment plus ₹2,000 spend within 30 days (not given on First Year Free cards).
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
ICICI's top card, by invitation through a relationship manager only. Unlimited lounge access and golf, the lowest forex markup in the portfolio, and no late payment fee at all — but the reward rate is stated per ₹200, not per ₹100, and capped hard on everyday categories.
ICICI Bank
A fuel card that only pays off at HPCL. The 5% on fuel is ICICI's own stated figure and is the reason to hold it; away from HPCL pumps and the HP Pay app it earns the same unpriced points as the entry cards.
SBI Card
A genuine cashback card with no merchant restriction on the 5% online rate, undercut by an exclusion list SBI itself says is incomplete — utilities, insurance, fuel, rent, wallets, education, jewellery and railways all earn nothing, 'and more'.
