AU Small Finance Bank
The same terms as ABC Nxt — 6 points per ₹200 on utilities and groceries, doubling past ₹50,000 a quarter — under the Flex name and its own login. No annual fee.
Reward points
Milestone rewards
A quarterly milestone DOUBLES every one of the three rates above (6x→12x, 4x→8x, 2x→4x) for retail spend exceeding ₹50,000 in a calendar quarter — not a flat bonus. Lounge access is 2 complimentary RAILWAY lounge visits per quarter (8/year) — no airport lounge exists on this card. No ₹-per-point redemption value is disclosed. Also includes the Silver Spoon Dining Program (up to 30% off at 300+ partner restaurants across 30 cities), and optional paid 90-day "features" (₹49-₹499) for additional cashback/streaming perks.
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.
