Amazon Pay ICICI Bank Credit Card VS Adani One ICICI Bank Platinum Credit Card VS AU Altura Credit Card VS HPCL ENERGIE BOBCARD Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Adani One ICICI Bank Platinum Credit Card
AU Altura Credit Card
HPCL ENERGIE BOBCARD Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
A lifetime-free credit card with no joining or annual maintenance fees for cardholders.
Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.
Cashback is automatically credited as Amazon Pay balance with no manual redemption required.
Rewards never expire and there is no maximum capping on the total cashback you can earn.
Competitive foreign currency markup of only 1.99% compared to the standard market rates.
Pros
Key benefits and features.
Offers 8 annual domestic lounge visits without any minimum spend requirement.
High redemption value where 1 Adani Reward Point equals ₹1 for travel services.
Generous welcome vouchers worth ₹5,000 significantly exceed the joining fee cost.
Exclusive airport privileges like valet parking and car washing at Adani airports.
Pros
Key benefits and features.
Offers amazing cashback on everyday spending categories with minimal annual fees.
Ideal for new credit users seeking a pocket-friendly card with good savings.
Enjoy complimentary railway lounge access, enhancing your travel experience.
Benefit from zero liability protection against various fraudulent card transactions.
Free lifetime add-on cards make sharing benefits with family easy.
Pros
Key benefits and features.
Substantial savings of up to 5% on fuel purchases, especially at HPCL stations.
Accelerated reward points on essential spending categories like utilities and departmental stores.
Complimentary domestic lounge access offers comfort for frequent travelers within India.
Discounts on movie tickets and optional BOGO offers enhance entertainment value.
Nominal annual fee with an easy waiver option based on annual spending targets.
Cons
Key drawbacks and limitations.
Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.
Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.
The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.
No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.
Cons
Key drawbacks and limitations.
Does not offer any international lounge access for global travelers.
High foreign currency markup of 3.5% makes international spends expensive.
Lacks dedicated dining benefits or discounts for lifestyle and restaurant visits.
Porter services are restricted by high annual spending milestones of ₹1 Lakh.
Cons
Key drawbacks and limitations.
Cashback earnings are capped at a low INR 50 per statement cycle per category.
Several common spending categories are excluded from earning any cashback benefits.
Complimentary lounge access is limited only to railway stations, not airports.
High foreign currency markup of 3.49% on all international transactions.
Fuel surcharge waiver is capped at a relatively low INR 100 per month.
Cons
Key drawbacks and limitations.
Fuel surcharge waiver capped at ₹100 per statement cycle, limiting overall savings.
Domestic lounge access will require a minimum spend of ₹20,000 per quarter from 2025.
No international lounge access or specific travel benefits beyond domestic lounges.
High foreign currency markup of 3.5% makes international transactions expensive.
Cash advance charges of 2.5% or ₹500 are relatively high for urgent cash needs.