AU Small Finance Bank
Eight international lounge visits a year and two domestic a quarter, at a 1.99% forex markup. ₹7,999 a year, AU's highest fee, waived above ₹5 lakh of spend.
Reward points
Milestone rewards
Marketed only as "Up to 5x Reward Points" with no stated base rate the multiplier applies to and no per-₹100 denominator anywhere — left as an empty rules list rather than guessing. Also includes a Birthday Bonus Reward Point (amount unstated) and a separate "AU Rewardz" programme on online/offline spend (rate unstated). No ₹-per-point redemption value is disclosed. Points capped at 25,000/statement cycle across all categories, with a 5,000-point sub-cap specifically on dining.
2 complimentary domestic AND international lounge visits per quarter (8/year each). A $35+tax Priority Pass charge applies once complimentary visits are exceeded.
Taken from AU Small Finance 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.
