Amazon Pay ICICI Bank Credit Card VS AU Altura Credit Card VS Axis Bank Freecharge Credit Card VS IDFC FIRST EARN Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
AU Altura Credit Card
Axis Bank Freecharge Credit Card
IDFC FIRST EARN 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 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.
5% cashback on Freecharge app spends offers significant savings on utility payments and recharges.
Affordable joining and renewal fees make it a cost-effective credit card option.
Instant virtual card issuance on Freecharge app ensures secure and convenient online transactions.
Provides good value for daily commute and specific online shopping platforms like Swiggy and Amazon.
Annual fee waiver on achieving reasonable spend targets adds to its overall value proposition.
Pros
Key benefits and features.
Guaranteed approval with a low fixed deposit of ₹5,000 makes it accessible for everyone.
Earn competitive interest on your linked fixed deposit while enjoying credit card benefits.
Highly rewarding for UPI users with up to 1% cashback on transactions via the IDFC bank app.
Complimentary insurance covers and roadside assistance add significant value for the user.
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.
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.
Limited variety of benefits compared to premium cards available in the market.
High foreign currency markup of 3.5% makes international spends less rewarding.
Cash advance charges of 2.5% (min Rs. 500) are relatively high for emergencies.
Interest rates at 3.6% per month are standard but can quickly accumulate if balances are carried.
Milestone benefits are tied to Edge Rewards, which may not appeal to pure cashback seekers.
Cons
Key drawbacks and limitations.
Monthly cashback is limited to a cap of ₹500, which may restrict heavy spenders' benefits.
The absence of a fuel surcharge waiver makes it less attractive for frequent vehicle users.
Users must pay a fee of ₹199 if they require a physical version of this virtual credit card.
Reward rate is halved to 0.5% when using third-party UPI apps instead of the IDFC mobile app.