AU Small Finance Bank
Build the card from paid add-ons: ₹399 for 90 days of lounge access, ₹199 for accelerated points, and so on. Nothing is included by default, and there is no fee.
Reward points
This card's entire benefit structure is a paid feature marketplace, not standard earning: ₹399/90 days for 1 airport lounge visit (max 2 selectable per period); ₹199/90 days for 5x accelerated points OR ₹299/90 days for 10x, purchasable separately for online and for offline spend; ₹49/90 days for a 1% fuel surcharge waiver (₹400-₹5,000 transactions) — otherwise this card has NO fuel surcharge waiver at all, per the portfolio KFS's explicit carve-out; ₹199-299/90 days for 5% category cashback on grocery or apparel spend (capped ₹1,000/30 days each); plus streaming-subscription and gift-voucher features with their own spend-to-qualify conditions. No base earn rate applies without purchasing a feature, and no ₹-per-point redemption value is disclosed for the underlying Reward Points currency. Points capped at 10,000/statement cycle. Also includes ₹1.5 lakh card liability cover and ₹1.5 lakh Credit Shield insurance.
Taken from AU Small Finance 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
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
Free for life for Defence and paramilitary personnel, with no income requirement. Two domestic lounge visits a quarter, two international a year, and golf.
