@Rocky Bhai , you are not missing out on anything except for this Sunday Coral Rupay virtaul party...
After a few weeks/ months, this card will be given by ICICI agents by calling you or when you call them...
Sometimes I have even received discount on Apay when Amazon or flipkart mention discount is valid only on core cards. Even offline Apay has gotten me discount. Depends on luck.
Chodo Jane do jab tak koi acha rewards wala card nahi milta tab tak ICICI ko dekhna bhi nahi .
The low earning rate of rewards along with PAYBACK does not make this card lucrative at all. 😅