Kotak Mahindra Bank
For NRE and NRO account holders, backed by a fixed deposit. Points are worth ₹1 each, the richest Kotak publishes, with two lounge visits a quarter. ₹1,000 a year.
Reward points
Redeemable for movie tickets, air tickets, and cash via kotakcards.com. A railway surcharge waiver of up to ₹500/calendar year also applies, alongside the fuel surcharge waiver — the schema has no dedicated field for a railway-specific waiver.
"2 complimentary visits every quarter to select lounges in India" — no spend-based unlock condition is stated, unlike most of the portfolio.
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.
