Federal Bank
A dual-network card earning genuinely priced Scapia Coins (₹0.20 each) at 10% on Visa-rail spend or 5% on RuPay/UPI spend — zero forex markup, and unlimited domestic lounge access unlocked by a monthly (not quarterly) ₹20,000 spend gate.
reward points
Redeemable instantly for flights, hotels, and buses on the Scapia app, at 1 reward = 1 Scapia Coin. Onboarding is fully digital via the Scapia app; a virtual card activates immediately, with a physical card following in 2-5 days.
Unlimited complimentary domestic lounge access, plus dining/shopping/spa perks, unlocked by ₹20,000 spend in the immediately PRECEDING CALENDAR MONTH — a monthly gate, not the quarterly gate most other cards in this dataset use. No international lounge access is stated.
Verified from official issuer sources. Last verified 31 August 2026
View issuer page ↗
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.
