AU Small Finance Bank
AU's top tier: lounge access without a spend condition, its lowest APR at 23.88%, and a 0.99% forex markup. ₹4,999 a year, waived above ₹8 lakh of spend.
Reward points
Milestone rewards
No ₹-per-point redemption value is disclosed anywhere in AU Bank's official documentation — a genuine portfolio-wide gap, not specific to this card. Also includes monthly milestone benefits (no exact thresholds stated) and a complimentary Taj Epicure membership. Points are capped at 25,000/statement cycle, scoped specifically to Rent, Education & Government, Insurance, and Utility & Telecom spend (1,000-point sub-caps each) — a narrower scoping than most other AU Bank cards' "All MCC" cap.
Domestic and international lounge access, explicitly NOT spend-gated (unlike the rest of the portfolio) — no visit count is stated on the card's own page. 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.
