AU Small Finance Bank
AU Bank's top tier — the only card exempted from the portfolio's usual spend-gated lounge access, at the lowest APR (23.88% p.a.) and forex markup (0.99%), but earning no confirmed rate outside dining/travel/international spend.
reward points
Milestone rewards
No ₹-per-point redemption value is disclosed anywhere in AU Bank's official documentation — a genuine portfolio-wide gap, not specific to this card. Also includes monthly milestone benefits (no exact thresholds stated) and a complimentary Taj Epicure membership. Points are capped at 25,000/statement cycle, scoped specifically to Rent, Education & Government, Insurance, and Utility & Telecom spend (1,000-point sub-caps each) — a narrower scoping than most other AU Bank cards' "All MCC" cap.
Domestic and international lounge access, explicitly NOT spend-gated (unlike the rest of the portfolio) — no visit count is stated on the card's own page. 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.
