IndusInd Bank
Unusually generous lounge access — 4 international AND 4 domestic visits per quarter (16/year each) — with forex markup explicitly waived to 0%, but the portfolio MITC genuinely conflicts with itself on this card's own APR (46.00% p.a. in the fee table vs. 42.00% p.a. stated separately elsewhere in the same document).
reward points
Milestone rewards
Also convertible to KrisFlyer airmiles. Includes a Mastercard World Elite golf programme: 12 complimentary green fees/year (max 3/quarter), 4 complimentary guest green fees/year (max 1/quarter), and 12 complimentary golf lessons/year (max 3/quarter), plus TPC Network access. Also includes overseas medical hospitalization cover up to $25,000, the portfolio's standard Oriental Insurance travel table, complimentary Taj Epicure and EazyDiner Prime memberships, and Moneycontrol Pro membership.
4 complimentary international AND 4 complimentary domestic lounge visits per calendar quarter (16/year each) via LoungeKey. Domestic access becomes spend-gated from the July 2026 quarter onward, with tracking beginning 1 April 2026.
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.
