Bank of Baroda
For active ICMAI members: ₹1 to join and nothing after, earning 5 points per ₹100 on dining, online spend and utility bills, with three lounge visits a quarter.
Reward points
Milestone rewards
Welcome benefit: 500 points on ₹5,000+ spend within 60 days; complimentary 12-month FITPASS PRO. Application flow described as: online form completion, Aadhaar e-signature, then Video KYC verification.
12 domestic passes/year (3/quarter); condition effective 1 January 2025. No international lounge access.
Taken from Bank of Baroda's own published terms. Last verified 4 September 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.
