American Express
12 domestic and 2 international lounge visits a year, plus Membership Rewards points that never expire. ₹10,000 a year, waived above ₹10 lakh of spend.
Reward points
Milestone rewards
No flat ₹-per-point redemption rate is published; a general Membership Rewards catalogue example (a Tanishq/Tata CLiQ voucher) implies roughly ₹0.375/point, not a reliable statement-credit floor. FTO-tier points never expire. Also includes complimentary golf access twice a month at 30+ courses, conditional on ₹50,000 spend on the card in the two preceding months. Carries ₹1 crore Air Accident cover on a ticket purchased with the card — the only one of Amex's four Indian credit cards with this benefit.
12 complimentary domestic visits/year (capped 3/quarter). International access via a complimentary Priority Pass membership ($99 annual fee waived), 2 visits/year — replacing Centurion Lounge access, discontinued 1 September 2023.
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
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.
