Amazon Pay ICICI Bank Credit Card VS Adani One ICICI Bank Platinum Credit Card VS ICICI Bank Coral Credit Card VS ICICI Bank Platinum Chip Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Adani One ICICI Bank Platinum Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Platinum Chip Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Affordable joining and annual fee of ₹750 + GST makes it accessible.
Significant welcome benefits worth over ₹5,000 in vouchers for travel.
Complimentary domestic airport lounge access (2 per quarter) enhances travel.
Exclusive airport privileges like premium lounge upgrades and valet parking.
Strong reward earning rate on Adani One ecosystem spends (3%) is beneficial.
Pros
Key benefits and features.
Offers valuable complimentary railway lounge access without any spend criteria.
Provides significant savings on movie tickets with up to 25% discount twice monthly.
Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.
Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.
Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.
Pros
Key benefits and features.
The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.
Earns valuable reward points on everyday retail, utility, and insurance expenditures.
Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.
Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.
Conveniently convert your large purchases into easy and manageable EMI options.
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.
Domestic airport lounge access is conditional on spending ₹75,000 per quarter.
Movie benefits are conditional on spending ₹25,000 in the preceding quarter.
Lacks dedicated dining benefits, limiting its overall lifestyle appeal.
No international lounge access, making it less ideal for global travelers.
High foreign currency markup fee of 3.5% is costly for international spends.
Cons
Key drawbacks and limitations.
Lounge access and movie benefits are subject to specific quarterly spend conditions.
The card does not offer any welcome benefits for new cardholders.
Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.
High foreign currency markup of 3.5% makes international spends less rewarding.
Movie cashback offers on the Amex variant have been revoked from Jan 2025.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 + GST is applicable for each reward point redemption request.
The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.
High interest rates of 3.75% per month apply to overdue amounts and cash advances.
Significant cash advance fees are charged, which can be costly for emergency withdrawals.