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Amazon Pay ICICI Bank Credit Card VS AU Bank Xcite Ace Credit Card

A detailed, side-by-side look at 2 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
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
AU Bank Xcite Ace Credit Card
AU Bank Xcite Ace Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverAnnual Fee Waiver on Spends of ₹2 Lakh or More.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.49% of the total amount
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.75% Per Month, i.e., 45% Annually

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
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards Rate3% cashback on net monthly spends worth Rs. 20,000 or more. 2% on Rs. 12,500+, 1% on Rs. 7,500+.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary domestic airport lounge visits every quarter (total 8 free visits annually).
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits2 complimentary domestic airport lounge visits and 2 railway lounge access every quarter.
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining BenefitsUp to 30% discount on dining across more than 300 restaurants.
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 (Rs. 400-5,000), capped at Rs. 250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident cover worth Rs. 50 lakhs, Credit shield cover, Purchase protection, Travel insurance.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹100.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

AU Bank Xcite Ace 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 Bank Xcite Ace Credit Card is a lifetime-free card offering enhanced cashback up to 3% and a higher credit limit. It provides significant travel privileges, including complimentary domestic airport and railway lounge access, along with comprehensive insurance covers. Ideal for individuals seeking an upgrade with strong benefits in travel, shopping, and dining, it also includes a free device protection plan and substantial dining discounts.

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.

Lifetime free card with zero annual membership fee, offering great value.

Enjoy up to 3% cashback on spends, directly adjusted against your outstanding balance.

Complimentary domestic airport and railway lounge access enhances travel experiences.

Comprehensive insurance benefits provide financial security and purchase protection.

Significant dining discounts and a free device protection plan add lifestyle perks.

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 Rs. 750 per statement cycle, limiting high spenders.

Certain transactions like rent and fuel are ineligible for cashback earnings.

Foreign currency markup of 3.49% is relatively high for international usage.

High interest rate of 45% annually if balances are not paid in full.

Lounge access requires a minimum spend of ₹20,000 each quarter to be eligible.

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)