AU Small Finance Bank
Charged ₹49 a month rather than annually, waived in any cycle you spend ₹10,000. Earns 10 points per ₹200 on groceries, utilities, education and insurance.
Reward points
The card's own annual-fee figure recorded here (₹588) is an annualisation of a genuinely different fee structure: ₹49+GST charged EVERY MONTH, waived independently each statement cycle on ₹10,000+ spend that cycle — not a real annual charge. No welcome benefit and no milestone benefit exist on this card at all, confirmed absent, unlike ABC Nxt/Flex/Pro. No Ola cashback offer exists either. Lounge access is 2 complimentary RAILWAY lounge visits per quarter (8/year) — no airport lounge. The card's own marketing states its fuel surcharge waiver as "Unlimited," directly contradicting the ₹1,000/month cap recorded here from the same MITC document — both figures exist in AU Bank's own materials. No ₹-per-point redemption value is disclosed. Also includes the Silver Spoon Dining Program.
Taken from AU Small Finance Bank's own published terms. Last verified 31 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.
