Bank of Baroda
No annual fee and no forex markup, paying 5% at the Uni Store and 1% everywhere else, in coins worth ₹0.01 each.
Cashback
Redeemable as cashback into the card account or Uni Rewards Store purchases; no redemption fee. Coins do not expire except if the card is unused for 365+ days, on cardholder death, or account closure.
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
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.
ICICI Bank
Four domestic lounge visits a quarter, two international a year, plus golf — for ₹6,500 to join and ₹3,500 a year, waived above ₹6 lakh of spend.
