Accelero ICICI Bank Credit Card VS Amazon Pay ICICI Bank Credit Card VS ICICI Bank Business Advantage Black Card VS ICICI Bank Business Advantage Blue Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Accelero ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
ICICI Bank Business Advantage Black Card
ICICI Bank Business Advantage Blue Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Significant savings on automobile services like car washes and roadside assistance.
Offers a decent reward rate on general spending, enhancing everyday value.
Provides valuable lifestyle benefits including movie, dining, and travel discounts.
Nominal joining and renewal fees, with an easy spend-based waiver option.
Well-rounded card combining vehicle-related perks with general lifestyle benefits.
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Attractive cashback rates on eligible domestic and international business spends, with higher rates for increased spending.
Extensive insurance benefits covering air and non-air accidents, medical expenses, credit shield, and baggage.
Complimentary domestic airport lounge access twice per quarter and significant dining discounts.
Dedicated 24x7 concierge services and spend-based waivers for both joining and annual fees.
Fuel surcharge waiver at HPCL petrol pumps and Zero Liability protection for card loss or theft.
Pros
Key benefits and features.
Designed for business savings, offering cashback on recurring business expenses.
Provides additional cashback for timely bill payments via Corporate Net Banking.
Includes valuable benefits like domestic lounge access and dining discounts.
Comprehensive 24x7 concierge services enhance convenience for business travel.
Offers robust insurance benefits including personal air accident cover.
Cons
Key drawbacks and limitations.
Lounge access is conditional on spending Rs. 75,000 in the previous quarter.
Reward Points are not earned on fuel purchases, EMI, or loan payments.
A redemption fee of Rs. 99 plus taxes applies for redeeming reward points.
The 3.5% foreign currency markup is relatively high for international transactions.
Maximum fuel cashback benefit is capped at Rs. 200 per month at HPCL stations.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
Cashback is capped at ₹2,000 per month, limiting potential higher rewards for large spenders.
Certain categories like fuel, utility, insurance, and tax payments are excluded from cashback.
A foreign currency markup fee of 3.5% applies to all international transactions.
Business cards do not offer personal card facilities such as balance transfer or EMI on call.
Cons
Key drawbacks and limitations.
Cashback is capped at ₹500 per month, which may limit benefits for high spenders.
No cashback is earned if the monthly spend is less than ₹25,000.
Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.
The foreign currency markup of 3.5% is relatively high for international transactions.
Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.