AU Small Finance Bank
The highest annual fee in AU Bank's portfolio (₹7,999), yet it sits in the standard 45% p.a. APR tier — only its forex markup is discounted. Rewards are marketed only as "up to 5x" with no published base rate.
reward points
Milestone rewards
Marketed only as "Up to 5x Reward Points" with no stated base rate the multiplier applies to and no per-₹100 denominator anywhere — left as an empty rules list rather than guessing. Also includes a Birthday Bonus Reward Point (amount unstated) and a separate "AU Rewardz" programme on online/offline spend (rate unstated). No ₹-per-point redemption value is disclosed. Points capped at 25,000/statement cycle across all categories, with a 5,000-point sub-cap specifically on dining.
2 complimentary domestic AND international lounge visits per quarter (8/year each). A $35+tax Priority Pass 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.
