American Express
₹495 a year for 10x points at Flipkart, Uber and Zomato, and 5x at Amazon — each group capped at 250–500 points a month. No lounge access.
Reward points
Milestone rewards
No general blanket ₹-per-point redemption rate is published, same as the other two cards in this batch. A separately-marketed "American Express EMI" feature offers point-of-sale installment conversion at rates "as low as 14% p.a." — a distinct product from this card's own revolving-credit APR, not conflated with it here.
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.
