AU Small Finance Bank
The top Xcite tier — returns to category-based Reward Points at up to 12 per ₹100 on international spend, with spend-gated airport lounge access and a genuine within-page discrepancy on its Air Accident cover figure.
reward points
Milestone rewards
No ₹-per-point redemption value is disclosed. Points capped at 25,000/statement cycle. Air Accident cover is stated inconsistently on the card's own page — ₹50 lakh in the detailed benefits accordion, ₹20 lakh in a shorter teaser card — both kept visible.
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), explicitly extending to add-on cardholders.
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.
