AU Small Finance Bank
A flat "up to 4 points per ₹100" rewards card with no category breakdown published, sitting in its own distinct 2.99% forex tier and a 30% cash-advance limit — the highest cash-advance allowance anywhere in this portfolio.
Reward points
Milestone rewards
No ₹-per-point redemption value is disclosed. Quarterly and yearly milestone benefits are mentioned qualitatively with no exact thresholds stated. Points capped at 25,000/statement cycle across all categories. Also includes up to ₹50 lakh Air Accident cover and zero liability on fraudulent transactions.
1 complimentary domestic AND international lounge visit per quarter (4/year each). Priority Pass renewal/replacement is issued on request with a 3-year validity, and will not be renewed for add-on cardholders after that validity expires. A $35+tax charge applies once complimentary visits are exceeded.
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.
