AU Small Finance Bank
The one card in the Xcite family paying genuine milestone-tiered cashback (1%/2%/3% at ₹7,500/₹12,500/₹20,000 monthly spend) rather than category points, capped at ₹600/statement cycle, with spend-gated airport lounge access.
cashback
Milestone rewards
No per-category rate applies — this card pays a single milestone-tiered cashback percentage based on total monthly spend, capped at ₹600/statement cycle overall. Also includes ₹50 lakh Air Accident cover, ₹2 lakh Credit Shield, ₹25,000 Purchase Protection, other travel covers (baggage, flight delay, passport loss, hijack), a Device Protection Plan with 1-year extended warranty, and dedicated concierge services.
2 complimentary domestic AIRPORT lounge visits per quarter, gated by ₹50,000 spend in the preceding quarter effective 10 April 2026. A separate, unconditional railway lounge benefit provides 8/year (2/quarter).
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.
