Compare Credit Cards Side-by-Side
Select up to 4 credit cards to compare annual fees, reward structures and lounge access rules.
tuneMatrix Controls38 of 38 rows shown across 8 groups
Scroll the table to compare cards. Feature labels and card headings stay visible.
| Feature Comparison | |||
|---|---|---|---|
| Cost of holding it | |||
| Joining fee | Nil | ₹1,000 + GST | ₹1,000 + GST |
| Annual fee | ₹0 | ₹4,500 + GST (First Year ₹1,000 + GST) | ₹4,500 + GST (First Year ₹1,000 + GST) |
| Fee waiver at | No annual fee; no waiver threshold | No standard spend-based annual fee waiver (charge card) | 100% fee waived on ₹1,50,000 annual spend; 50% waived on ₹90,000–₹1,49,999 |
| Add-on card | — | ₹1,500 + GST per supplementary card | ₹1,500 + GST per supplementary card |
| Card replacement | — | — | — |
| What it earns | |||
| Base rate | 5% with listed exclusions and rounding | 1,600 MR on ₹6,000 spend (1,000 Bonus + 600 Base at 5X) | 16.7% (1,000 Bonus + 120 Base MR / ₹6k spend) |
| Top rate | — | 5 MR pts per ₹50 | 16.7% |
| Reward cap | — | 1,000 bonus pts / month | 1,000 bonus pts / month |
| Earns nothing on | Gold coins and Amazon Pay flight/hotel bookings excluded from 5%/3% Amazon.in tiers.; Education, international, off-Amazon utility, fuel, precious metals, tax and rent transactions excluded from rewards.; Cash, EMI, fees and interest earn no points; later EMI conversion and transaction reversal claw back points. | Fuel transactions (0% points effective 12 June 2025; HPCL convenience fee waiver applies).; Insurance premium payments.; Cash withdrawals and ATM advances.; Revolving credit facilities (charge card requires full monthly settlement). | Fuel transactions at oil marketing companies (0% points; HPCL surcharge waiver applies).; Insurance premium payments.; Utility bill payments (electricity, gas, and water).; Cash advance transactions and post-purchase merchant EMI conversions. |
| Milestones | — | 1,000 Bonus MR / mo | 1,000 Bonus MR / mo |
| Welcome benefit | — | — | — |
| Getting value out | |||
| Point value | — | — | 0.25 |
| Points expire | — | — | — |
| Transfer partners | — | 24 Karat Gold Collection (Taj Experiences Voucher), 24 Karat Gold Collection (Shoppers Stop Voucher) | 24 Karat Gold Collection (Taj Experiences Voucher), Marriott Bonvoy Points Transfer (1:1 Ratio) |
| Redemption fee | — | Nil | Nil |
| Travel and lounge | |||
| Domestic lounge | — | — | — |
| International lounge | — | — | — |
| Guest access | — | — | — |
| Spend gate | — | — | — |
| Golf | — | — | — |
| Forex markup | 1.99% card tariff from 1 Oct 2025 | — | 3.5% + GST |
| Borrowing costs | |||
| Finance charges | — | — | 3.5% / month (42% / year) |
| Cash withdrawal | — | — | — |
| Late payment | — | Sliding scale up to ₹1,000 + GST plus charge card default interest | — |
| Overlimit fee | — | — | — |
| EMI conversion | — | — | — |
| Protection | |||
| Air accident cover | — | — | — |
| Medical and travel | — | — | — |
| Purchase protection | — | — | — |
| Getting approved | |||
| Age | Indian citizen, minimum 21 years; maximum not stated | 18 years and above | 18 years and above |
| Income | Salaried or self-employed, at least ₹30,000 monthly | ₹6 Lakhs and above per annum (Salaried or Self-Employed) | ₹4.5 Lakhs net annual income / ITR above ₹6 Lakhs per annum |
| Typical score | — | — | — |
| Everyday details | |||
| Network | Visa | Amex | Amex |
| Material | — | — | — |
| UPI linking | — | — | — |
| Concierge | — | — | — |
| Best for | Amazon shoppers who can use Amazon Pay balance | Disciplined spenders seeking a pure charge card with no pre-set limit, 5X Reward Multiplier vouchers, and monthly 6x ₹1,000 bonus | Monthly milestone spenders spending ₹6,000 to ₹20,000/mo seeking Marriott Bonvoy transfers or 24K Gold Collection vouchers |
| Last schedule change | — | — | — |
Where a schedule is ambiguous we take the reading least favourable to the cardholder. Reward rates assume the card's own portal or partner where one is required. Cheapest fee and lowest forex markup are marked in each row; everything else is stated, not scored. We are paid by readers and by application referrals, and referrals never move a card up a list.
Key Differences
Annual Fee
Amazon Pay ICICI Bank Credit Card
Lifetime Free
Comparison score
- Amazon Pay ICICI Bank Credit Card — Full review
- American Express Gold Card — Full review
- American Express Membership Rewards Credit Card — Full review
5.4 / 10
Its strong reward rate and lifetime-free pricing offset the lack of lounge access.
Factors and trade-offs
- No extracted lounge benefit
- Data quality is PARTIAL, not fully live-verified