IndusInd Bank
Pays per transaction rather than per rupee — 4 to 10 points on every spend above ₹500, worth ₹0.35 each. Lifetime-free, with three months of Zomato Gold.
Reward points
Milestone rewards
Reward Points are earned as a flat number PER QUALIFYING TRANSACTION (₹500 minimum), tiered by how many such transactions occur in a statement cycle: 4 points/transaction for the first up to 4, 8 points/transaction for transactions 5-10, 10 points/transaction above 10 — not a percentage of spend, and the schema's per-₹X earn-rule structure cannot represent a flat per-transaction-count tier, so no structured rules are recorded. The issuer's own worked example: 15 transactions of ₹1,500 each (₹22,500 total spend) earns 10×15=150 points. Also includes 5% annual cashback for paying the full outstanding balance within 7 days of statement generation, a Loyalty Bonus of 2x points in the 12th month after 11 consecutive months of ≥1 qualifying transaction, and Total Protect insurance against unauthorized transactions up to the credit limit.
Taken from IndusInd 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.
