RBL Bank
A TVS Credit co-brand card with real spend-gated lounge access, whose "up to ₹0.25" point value sits alongside RBL's own boilerplate disclaiming that points carry any guaranteed value at all.
reward points
Milestone rewards
RBL's FAQ states reward points are worth "upto INR 0.25" each, while the general Cardmember Agreement separately disclaims that points carry any guaranteed cash value at all — both are RBL's own wording, kept as a contradiction rather than resolved. Welcome benefit: 6,000 bonus points plus exclusive vouchers worth ₹500, on first transaction within 30 days of issuance (credited within 60 days, after the membership fee reflects in the statement).
Domestic: 1 visit unlocked at ₹50,000 quarterly spend, a second at ₹75,000. International: 1 complimentary visit per quarter via Priority Pass, unlocked at ₹1 lakh quarterly spend.
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
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.
