indusind-bank

A lifetime free Amex card that pays points per transaction, not per rupee, plus a cashback for paying your bill early.

1.2% back on UPI payments, no annual fee and no rent fee, but no lounge access and a 3.5% forex markup.

A flat 3% back, zero forex markup and unlimited lounges, but only for IndusInd’s ₹1 crore private banking families.

Zero forex markup, Taj Epicure membership and 4 international lounge visits a quarter, but only 0.5% back on spends.