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Amazon Pay ICICI Bank Credit Card VS AU Altura Credit Card VS Axis Bank Freecharge Credit Card VS IDFC FIRST EARN Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Comparing 4 cards side by side: Amazon Pay ICICI Bank Credit Card, AU Altura Credit Card, Axis Bank Freecharge Credit Card, IDFC FIRST EARN Credit Card. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends. AU Altura Credit Card costs ₹199 + GST and earns 2% cashback on select retail spends (max ₹50/cycle), 1% on other retail spends (max ₹50/cycle). Axis Bank Freecharge Credit Card costs ₹250 + GST and earns 5% cashback on Freecharge spends, 2% on local commute, 1% on all other spends. IDFC FIRST EARN Credit Card is lifetime-free and earns 1% cashback on UPI via IDFC app; 0.5% on other UPI, online spends, and utility payments. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
AU Altura Credit Card
AU Altura Credit Card
Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card
IDFC FIRST EARN Credit Card
IDFC FIRST EARN Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹199 + GST
Joining Fee₹250 + GST
Joining FeeFree (1st year)
Renewal FeeLifetime Free
Renewal Fee₹199 + GST
Renewal Fee₹250 + GST
Renewal Fee₹499 + GST
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverJoining Fee waiver: Spend Rs. 10,000 in the first 90 days. Annual Fee waiver: Spend Rs. 40,000 or more in a year.
Spend Based WaiverAnnual fee waived off on spending ₹50,000 or more in the previous year/anniversary year.
Spend Based WaiverAnnual fee of ₹499 + GST waived if annual spends of ₹1,00,000 or more are made.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.49% on all international spends.
Foreign Transaction Fees3.5% of the transacted amount.
Foreign Transaction Fees3.5% for all international transactions.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.6% per month.
Interest Rate (APR)Starting from 8.5% - 46.2% per annum (0.75% to 3.65% monthly).

Rewards & Benefits

Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Welcome Bonus
Welcome BonusWelcome gift vouchers worth up to ₹700.
Welcome Bonus10% cashback up to ₹250 on first transaction within 15 days of card generation.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards RateEarn 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends.
Rewards Rate5% cashback on Freecharge app spends; 1% cashback on all other spends.
Rewards RateEarn 1% cashback on UPI via IDFC FIRST app; 0.5% on other UPI, online, utility, insurance, wallet loads.
Reward TypeCashback
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNot applicable, as cashback is credited to the statement.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary visits to selected railway lounges in India per quarter.
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits
2 complimentary visits to selected railway lounges in India per quarter. Lounge facilities available at Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
Travel BenefitsUp to ₹100 credit every month on Shuttl; Up to ₹150 off every month on Shuttl.
Travel BenefitsBonus cashback on flights (2%) and hotels (5%) via 'FIRST Rewards Gallery' on IDFC FIRST Bank Mobile App.
Movie Benefits
Movie Benefits
Movie Benefits50% off on an annual subscription on Eros Now.
Movie Benefits25% off up to ₹100 on movie tickets once a month via District by Zomato.
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining Benefits
Dining BenefitsUp to ₹100 credit every month on the Fresh menu.
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 100 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver
No fuel surcharge waiver is offered; cashback is available on fuel transactions.

Security & Other

Insurance Benefits
Insurance BenefitsZero liability protection against a lost card.
Insurance Benefits
Insurance BenefitsIncludes Lost Card and Personal Accident Cover.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance ChargesRs. 100 or 2.5% of the cash amount withdrawn, whichever is higher.
Cash Advance Charges3.5% of amount withdrawn or ₹250 (whichever is higher).
Cash Advance ChargesMonthly rate of 0.75% to 3.65%.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

AU Altura Credit Card

Axis Bank Freecharge Credit Card

IDFC FIRST EARN Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

Who is it for?

The AU Altura Credit Card is a basic and pocket-friendly cashback credit card from AU Small Finance Bank, ideal for individuals starting their credit journey. It offers significant savings with up to 2% cashback on essential categories like utilities and groceries, along with 1% on other spends. Cardholders also benefit from monthly milestone cashback, complimentary railway lounge access, and a fuel surcharge waiver, all while maintaining minimal annual charges.

Who is it for?

The Axis Bank Freecharge Credit Card was an entry-level card designed for frequent Freecharge app users, offering 5% cashback on Freecharge spends and 1% on others. Despite its discontinuation, it was valued for its low fees and decent benefits, particularly for utility bill payments and mobile recharges. It provided an instant virtual card and exclusive rewards, making it suitable for individuals seeking affordable benefits focused on digital transactions.

Who is it for?

The IDFC FIRST EA₹N Virtual RuPay Credit Card is a secured, FD-backed credit card from IDFC FIRST Bank, perfect for building credit history. It offers guaranteed approval with a minimum ₹5,000 FD, up to 1% cashback on UPI spends, and movie discounts. Ideal for first-time cardholders, youngsters, and freelancers seeking a rewarding entry into credit.

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.

Enjoy significant savings with up to 2% cashback on daily essential spends.

Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.

Access complimentary railway lounges in India, enhancing your travel experience.

Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.

Offers zero liability protection, safeguarding against unauthorized card use.

Pros

Key benefits and features.

Enjoy low joining and annual fees, making it an affordable credit card option.

Offers decent benefits, especially for frequent users of the Freecharge app.

Earn exclusive Edge Reward Points with a wide variety of redemption options.

Get an instant virtual credit card via the Freecharge app, with physical card option.

Pros

Key benefits and features.

Highly accessible as no credit history or income proof is required for approval.

Excellent tool for building or improving credit score through responsible usage.

Enjoy dual benefits: earn interest on your FD while getting cashback on spends.

Seamless UPI integration offers cashback on everyday digital transactions.

Low entry barrier with a minimum fixed deposit requirement of just ₹5,000.

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 earnings are capped per statement cycle, limiting overall savings potential.

No cashback is provided on key transaction types like fuel, rent, and wallet spends.

The card does not provide any complimentary airport lounge access.

A foreign currency markup of 3.49% applies to international spends.

Cons

Key drawbacks and limitations.

The card's benefits are not as diverse compared to other credit cards in the market.

Lacks complimentary airport lounge access, both domestic and international.

This credit card has been discontinued, limiting new applications.

Cons

Key drawbacks and limitations.

The IDFC FIRST EA₹N Credit Card does not offer any fuel surcharge waiver.

Cashback is capped at ₹500 per statement cycle, limiting benefits for high spenders.

Initially issued as a virtual card; a physical card incurs an additional fee.

The IDFC FIRST EA₹N Credit Card does not support add-on card facilities.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)Apply for AU Altura Credit Card(opens in new tab)Apply for Axis Bank Freecharge Credit Card(opens in new tab)Apply for IDFC FIRST EARN Credit Card(opens in new tab)