Axis Bank
For Indian Defence personnel: 4 points per ₹200 worth ₹0.20 each, and two lounge visits a quarter with no spend condition. ₹500 a year, waived above ₹40,000.
Reward points
Points redeem at ₹0.20 each. Also includes a minimum 15% discount at partner restaurants, with no minimum spend or cap stated.
"2 complimentary visits to select airport lounges within India per calendar quarter" — no spend-based unlock condition is stated, unlike most of the portfolio. No international lounge access is mentioned.
Taken from Axis 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.
