Kotak Mahindra Bank
3 points per ₹100 on retail, worth ₹0.10 each, for ₹199 a year waived above ₹15,000 of spend. No fuel or railway surcharge waiver applies.
Reward points
Milestone rewards
No fuel or railway surcharge waiver exists on this card — the KFS states only a flat fuel surcharge (minimum ₹10), with no waiver line at all.
Taken from Kotak Mahindra 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
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.
