IndusInd Bank
The earn rate climbs with your yearly total rather than the category — up to 6x the base 1 point per ₹100 past ₹5 lakh of spend, at ₹0.40 a point. No fee.
Reward points
The "Magnificent Rewards Program" multiplies the base 1-point-per-₹100 rate by a slab tied to CUMULATIVE ANNUAL spend in the card anniversary year: up to ₹1 lakh = 1x, ₹1-2.5 lakh = 2x, ₹2.5-5 lakh = 4x, above ₹5 lakh = 6x — so the effective rate rises from 1 to 6 points/₹100 as yearly spend crosses these thresholds, marketed as "earn upto 6 Accelerated Reward Points on every ₹100." Also convertible at 4 Reward Points = 1 KrisFlyer Mile. Also includes 1 complimentary golf game or lesson per quarter and 1 complimentary BookMyShow movie ticket (up to ₹500) every 6 months.
2 complimentary domestic lounge visits per calendar quarter (8/year), plus 2 complimentary international visits per year via Priority Pass.
Taken from IndusInd 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.
