Kotak Mahindra Bank
4% back on IndianOil fuel, plus 12 points per ₹150 on groceries and dining. ₹449 a year, waived above ₹50,000 of spend, with the fuel surcharge waived too.
Reward points
Milestone rewards
Points redeem at ₹0.25 each against Kotak's rewards catalogue, or ₹0.20 each as cashback (minimum 2,000 points required for the cashback route).
Taken from Kotak Mahindra Bank's own published terms. Last verified 30 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.
