IndusInd Bank
A Bajaj Capital Group co-brand (with Tiger Fintech) whose earn rate accelerates with cumulative ANNUAL spend rather than category — up to 6x the base 1-point-per-₹100 rate once ₹5 lakh/year is crossed — at a directly stated ₹0.40/point.
reward points
The "Magnificent Rewards Program" multiplies the base 1-point-per-₹100 rate by a slab tied to CUMULATIVE ANNUAL spend in the card anniversary year: up to ₹1 lakh = 1x, ₹1-2.5 lakh = 2x, ₹2.5-5 lakh = 4x, above ₹5 lakh = 6x — so the effective rate rises from 1 to 6 points/₹100 as yearly spend crosses these thresholds, marketed as "earn upto 6 Accelerated Reward Points on every ₹100." Also convertible at 4 Reward Points = 1 KrisFlyer Mile. Also includes 1 complimentary golf game or lesson per quarter and 1 complimentary BookMyShow movie ticket (up to ₹500) every 6 months.
2 complimentary domestic lounge visits per calendar quarter (8/year), plus 2 complimentary international visits per year via Priority Pass.
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 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.
