American Express
Unlimited lounge access and 3x points on overseas spend for ₹66,000 a year. A charge card — the full balance is due each cycle, so there is no revolving interest.
Reward points
Milestone rewards
No flat ₹-per-point redemption rate is published anywhere; the one concrete data point found (a Taj Experiences gift card) implies roughly ₹0.40-0.50/point depending on the "25% more value" promotional framing, but this is not a reliable statement-credit floor. Also includes RewardXcelerator ("up to 20X Rewards" on select luxury brands) and Shopwise ("up to 5X rewards" on 200+ brands) — both promotional accelerators too vague on category to model as structured rules. Fine Hotels & Resorts membership adds an average ₹44,300 of value (room upgrade, breakfast for two, late check-out) across 1,300+ properties worldwide.
"1,550+ Airport Lounges across 140 countries" — includes The Centurion Lounge, Priority Pass, Delta Sky Club, and India domestic partner lounges, with no stated annual visit cap.
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
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.
