Federal Bank
No annual fee and no forex markup, with 10% back in Scapia Coins on Visa spend and 5% on UPI. Unlimited domestic lounge access once you spend ₹20,000 in a month.
Reward points
Redeemable instantly for flights, hotels, and buses on the Scapia app, at 1 reward = 1 Scapia Coin. Onboarding is fully digital via the Scapia app; a virtual card activates immediately, with a physical card following in 2-5 days.
Unlimited complimentary domestic lounge access, plus dining/shopping/spa perks, unlocked by ₹20,000 spend in the immediately PRECEDING CALENDAR MONTH — a monthly gate, not the quarterly gate most other cards in this dataset use. No international lounge access is stated.
Taken from Federal 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
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.
