AU Small Finance Bank
The entry tier of AU Bank's 3-card SwipeUp/Xcite family — 15 points per ₹100 on dining/movies/grocery, but railway lounge access only, no airport lounge at all.
reward points
A recurring monthly bonus doubles the base 3-points-per-₹100 rate for retail spend made between the 1st and 5th of each calendar month, excluding rent/wallet/fuel — not modelled as a spend-threshold milestone since it re-triggers on a calendar window, not a spend amount. Also includes 8 complimentary RAILWAY lounge visits per year (2/quarter) — this tier has no airport lounge access at all. Points capped at 25,000/statement cycle. No ₹-per-point redemption value is disclosed. Also includes a complimentary Device Protection Plan.
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.
