AU Small Finance Bank
An NRI-only card requiring both an existing NRE savings account AND an NRE Fixed Deposit with AU Bank, applied for at a branch rather than online — one of only two AU Bank cards with genuine international airport lounge access, and shares Zenith+'s zero cash-withdrawal fee.
reward points
Milestone rewards
No ₹-per-point redemption value is disclosed. Also includes complimentary Airport Meet & Assist (4/year), Airport Spa Access (4/year), and a flat ₹500 duty-free cashback on ₹10,000+ spend.
2 complimentary domestic AND international airport lounge visits per quarter (8/year each) — one of only two AU Bank cards with genuine international lounge access. Priority Pass usage within India is separately chargeable.
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.
