IndusInd Bank
Points worth ₹1 each, the richest rate IndusInd publishes, and its lowest APR at 21.48%. Sixteen international lounge visits a year, on ₹36 lakh of annual income.
Reward points
Also redeemable as KrisFlyer miles, Maharaja Points (Air India), or via the IndusMoments catalogue. Golf benefit upgraded effective 10 March 2026 to 4 complimentary games and 4 complimentary lessons per month — the highest golf allocation found anywhere in this portfolio. Also includes Total Protect fraud/loss cover, a dedicated "Direct Connect" priority phone-banking line, and "Indulge Care" concierge email. The card design is notable: "first credit card in the Indian sub-continent that comes with a pure 22K Gold inlay."
4 complimentary international lounge visits per calendar quarter (16/year) via Priority Pass, effective 13 March 2025. Domestic access is subject to the same spend-gating rollout as other premium cards, effective July 2026.
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
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.
