American Express
₹1,000 for the first year, then ₹4,500. Earns 1 Membership Rewards point per ₹50, though fuel has earned nothing since June 2025 and there is no lounge access.
Reward points
Milestone rewards
No general blanket ₹-per-point redemption rate is published. The one explicit numeric rate in any official Amex India document is scoped narrowly to post-cancellation statement credit: "Credit adjustment against points, INR 1 = 4 MR Points" (₹0.25/point, minimum 1,000 points) — not available as an on-demand redemption option during normal cardholding, so not treated as a reliable floor. General catalogue redemptions (the Gold Collection) imply roughly ₹0.33-0.58/point depending on brand. Also includes a limited-period, non-permanent "5X Reward Multiplier" promotional offer.
Taken from American Express'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
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.
