AU Small Finance Bank
2% back on groceries, departmental stores and utility bills, 1% elsewhere. ₹199 a year, and its eight lounge visits are at railway stations, not airports.
Cashback
Milestone rewards
Genuine cashback, credited directly — not AU Rewardz points, so no redemption-rate question applies. Also includes 8 complimentary RAILWAY lounge visits per year — not airport lounge access, despite the general shape of "lounge visits" elsewhere in this dataset; kept here rather than in the lounge field, which describes airport access specifically.
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.
