SBI Card
The entry point into SBI's three-tier Miles family, each priced at a different forex rate the KFS is easy to misread as one exception list — Miles takes 3%, not the 1.99% its premium siblings get.
miles
Milestone rewards
Travel Credits redeem three ways: ₹1 each as an Air Mile or Hotel Point, ₹0.50 each against a travel booking, or ₹0.25 each from the Shop & Smile catalogue — never as a statement credit. Minimum redemption is 2,000 Travel Credits, in multiples of 2,000; they expire 2 years after accrual.
The product page states "4 complimentary domestic airport lounge visits every quarter (max. 2 visits per quarter)" — internally inconsistent as worded, since a quarterly count cannot also cap at 2 per quarter. Only the unambiguous 2-per-quarter cap is recorded here; the true annual total needs direct re-verification. International access is a complimentary Priority Pass membership (worth $99, 1,000+ lounges worldwide) with no explicit visits-per-year figure stated. 1 additional domestic visit is earned per ₹1 lakh spent, on top of the above.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 26 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
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.
