American Express
The lowest-fee Amex India card at ₹495/year — earns 10x points on named merchants (Zomato, Ajio, Nykaa, BookMyShow, Uber, EaseMyTrip) and 5x on Amazon, each capped separately at 250-500 points/month, but genuinely no lounge access exists at this tier.
reward points
Milestone rewards
No general blanket ₹-per-point redemption rate is published, same as the other two cards in this batch. A separately-marketed "American Express EMI" feature offers point-of-sale installment conversion at rates "as low as 14% p.a." — a distinct product from this card's own revolving-credit APR, not conflated with it here.
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
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 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.
