Kotak Mahindra Bank
A no-fee Private Banking card earning 5 points per ₹100 on travel, dining and foreign spend — plus 2 Air Miles on every point — with four lounge visits a quarter.
Reward points
Milestone rewards
Every Reward Point earned also yields 2 Air Miles — a dual-currency mechanic on top of the point accrual itself. Redeemable for cash, airline tickets, air miles, movie tickets, mobile recharge, branded merchandise, or luxury vouchers. Also includes 2 complimentary rounds of golf per month, plus the ability to invite 2 guests for a complimentary round once a quarter. Over-limit charges, cash payment at branches, card replacement, and the cumulative wallet-loading/fuel/gaming/education/utility fees charged elsewhere in this portfolio are all waived outright on this card.
"4 complimentary visits every quarter to select lounges in India" — reported at single-source confidence by the research pass and not independently re-confirmed against a second source; re-verify at next review.
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
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.
