Federal Bank
Not a standalone card — a RuPay floater linked to an existing Federal Bank Visa or Mastercard primary card, sharing its credit limit. Confirmed explicitly excluded from lounge access regardless of spend, since floater/add-on cardholders don't qualify.
reward points
Milestone rewards
Points redeem at ₹0.10 each for cash-to-account redemption, or up to ₹0.25 each against the Federal Rewards catalogue — the same portfolio-wide programme used by Celesta/Imperio/Signet.
Verified from official issuer sources. Last verified 31 August 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 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.
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.
