SBI Card
A secured, FD-backed entry card, free for its first four years — but its Reward Points redeem only against a gift catalogue, not a statement credit, so unlike most of this portfolio it carries no confirmed rupee point value at all.
reward points
Milestone rewards
Points redeem only against SBI's Rewards Catalogue — no statement-credit option, and no rupee value is stated anywhere for this card.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 27 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.
