Kotak Mahindra Bank
A secured RuPay card against a fixed deposit, ₹250 to open and free thereafter. Its points programme closed in April 2026 and no replacement rate is published yet.
Reward points
Milestone rewards
The Reward Points Program on this card was discontinued effective 1 April 2026; points earned through 31 March 2026 remain redeemable only until 30 September 2026, after which they expire. Its replacement Cashback Program does not take effect until the billing cycle commencing September 2026, and the MITC states no percentage rate for it anywhere — deferring entirely to the website. As of this record's verification, the card genuinely has no active, rate-stated earning mechanism. Milestone spend offers were also discontinued effective 1 April 2026, though milestones already reached before that date remain claimable. Cash advances are charged a flat ₹100 per instance (not a percentage) with an interest-free period until the payment due date — an unusually lenient term shared with Kotak Solitaire and Kotak Fortune.
Taken from Kotak Mahindra Bank's own published terms. Last verified 30 August 2026
ICICI Bank
5% back on Amazon for Prime members and 3% without, paid into your Amazon Pay balance. Lifetime-free, but offered only to selected ICICI customers.
ICICI Bank
One lounge visit a quarter and 2 points per ₹100 on retail, at ₹500 a year waived above ₹1.5 lakh. Points buy catalogue goods, not statement credit.
ICICI Bank
A no-fee starter card earning 2 points per ₹100 on retail — the same catalogue points as Coral, without the lounge, cinema or milestone benefits.
