Compare Credit Cards Side-by-Side
Annual fees, reward rates, lounge perks aur card tiers ko side-by-side evaluate karein. Key differences dekhne ke liye filter use karein.
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Cards compare karne ke liye table scroll karein. Feature aur card headings visible rahenge.
| 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 threshold | No annual fee; no waiver threshold | Koi spend-based annual fee waiver nahi hai (charge card) | ₹1,50,000 annual spend pe 100% fee waiver; ₹90,000–₹1,49,999 pe 50% waiver |
| Add-on card | — | ₹1,500 + GST per supplementary card | ₹1,500 + GST per card |
| Card replacement fee | — | — | — |
| What it earns & rewards | |||
| Base reward rate | 5% with listed exclusions and rounding | ₹6,000 spend pe 1,600 MR (1,000 Bonus + 600 Base at 5X) | 16.7% (1,000 Bonus + 120 Base MR / ₹6k spend) |
| Top reward rate | — | 5 MR pts per ₹50 | 16.7% |
| Monthly reward cap | — | 1,000 bonus pts / month | 1,000 bonus pts / month |
| No rewards on (Excluded) | 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 (12 June 2025 se 0% points; HPCL convenience fee waiver applicable).; Insurance premium payments.; ATM cash withdrawals.; Revolving credit facilities (charge card mein pura bill monthly pay karna hota hai). | Fuel transactions (0% points; HPCL fuel surcharge waiver applicable).; Insurance premium payments.; Electricity, water aur gas utility payments.; Cash advance transactions aur merchant checkout pe EMI conversions. |
| Milestone benefits | — | 1,000 Bonus MR / month | 1,000 Bonus MR / month |
| Welcome benefit | — | — | — |
| Getting value out & redemption | |||
| 1 Reward Point value | — | — | 0.25 |
| Points expiry rule | — | — | — |
| Airlines & hotel 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, forex & lounge perks | |||
| Domestic airport lounge | — | — | — |
| International lounge | — | — | — |
| Guest lounge access | — | — | — |
| Lounge spend threshold | — | — | — |
| Free golf rounds | — | — | — |
| Forex markup fee | 1 Oct 2025 se card rate 1.99% | — | 3.5% + GST |
| Interest & borrowing costs | |||
| Finance & interest rate | — | — | 3.5% / month (42% / year) |
| Cash withdrawal fee | — | — | — |
| Late payment charges | — | Up to ₹1,000 + GST slab charges plus default interest | — |
| Overlimit penalty | — | — | — |
| EMI conversion charges | — | — | — |
| Insurance & protection | |||
| Air accident cover | — | — | — |
| Medical & travel cover | — | — | — |
| Purchase protection | — | — | — |
| Eligibility & approval | |||
| Minimum age | Indian citizen, minimum 21 years; maximum age stated nahi hai | 18 saal ya usse zyada | 18 saal ya usse zyada |
| Minimum income | Salaried ya self-employed, at least ₹30,000 monthly | ₹6 Lakhs aur usse zyada per annum (Salaried ya Self-Employed) | ₹4.5 Lakhs net annual income / ITR above ₹6 Lakhs per annum |
| Recommended CIBIL score | — | — | — |
| Everyday details & network | |||
| Payment network | Visa | Amex | Amex |
| Card material | — | — | — |
| RuPay UPI linking | — | — | — |
| 24x7 Concierge service | — | — | — |
| Best for | Amazon shopping aur Amazon Pay balance use karne wale | Disciplined charge card users jo no pre-set limit, 5X Reward Multiplier vouchers, aur monthly 6x ₹1,000 bonus ka fayda uthana chahte hain | Monthly milestone spenders jo ₹6,000 se ₹20,000/mo spend karke Marriott Bonvoy ya 24K Gold Collection vouchers target karte hain |
| Last schedule update | — | — | — |
Jahan rules ambiguous hon, hum safe assumption lete hain. Lowest fee aur lowest forex markup marked hain. Referrals se rankings kabhi affect nahi hoti.
Main 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 aur trade-offs
- No extracted lounge benefit
- Data quality is PARTIAL, not fully live-verified
Apply karna hai?
Amazon Pay ICICI Bank Credit Card
Review padheinApply karein: Amazon Pay ICICI Bank Credit CardBank site · naye tab mein khulegaAmerican Express Gold Card
Review padheinApply karein: American Express Gold CardBank site · naye tab mein khulegaAmerican Express Membership Rewards Credit Card
Review padheinApply karein: American Express Membership Rewards Credit CardBank site · naye tab mein khulegalockBank ki official site par secure redirect. CredSutra aapka application data store nahi karta.
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