Kotak Mahindra Bank
Discontinued for new applications — a low, genuinely-priced ₹0.10/point Reward Point rate at 3 points per ₹100, with no fuel or railway surcharge waiver of any kind.
reward points
Milestone rewards
No fuel or railway surcharge waiver exists on this card — the KFS states only a flat fuel surcharge (minimum ₹10), with no waiver line at all.
Verified from official issuer sources. Last verified 30 August 2026
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.
