SBI Card
The lowest-fee card in the SBI Card portfolio verified so far, at ₹250, with the same ₹0.25 point value as the flagship Elite card and a lower APR tier — though nothing on the card's own page states an occupational restriction, despite its name and its grouping in the KFS's Defence/Secured APR tier.
reward points
Milestone rewards
Points redeem at ₹0.25 each against a statement, or against SBI's rewards catalogue.
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.
