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Amazon Pay ICICI Bank Credit Card VS AU Nomo 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 Nomo Credit Card
AU Nomo Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹199 + GST
Renewal FeeLifetime Free
Renewal FeeFree (1st year)
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based Waiver
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees0.99%
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.59% Per Month (43.08% 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 Bonus500 Reward Points (worth ₹125) on first transaction within 30 days.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards Rate2 RP for ₹100 on retail; 1 RP for ₹100 on utility & insurance. No RP on fuel, cash, rent, education, govt.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 free domestic airport lounge visits each quarter upon spending ₹50,000.
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits2 complimentary railway lounge visits per quarter. 2 domestic airport lounge visits on ₹50k spend/quarter.
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining 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 for ₹400-₹5,000 transactions, capped at ₹100 per month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges2.5% of withdrawal amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

AU Nomo 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 Nomo Credit Card is a secured card from AU Bank, ideal for new credit users or those building their score. It features a low 0.99% foreign currency markup, complimentary railway lounge access, and spend-based domestic airport lounge access. The card offers a decent reward rate and becomes effectively lifetime free from the second year, requiring a minimum fixed deposit of ₹20,000. It's a cost-effective option for establishing credit history.

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.

Low foreign currency markup charge of 0.99%, beneficial for international transactions.

Rewards are earned on insurance and utility spends, offering broader earning potential.

Offers complimentary railway lounge access (2 visits per quarter) for convenient travel.

Provides domestic airport lounge access with a reasonable spend-based criterion.

Milestone benefits are based on quarterly spending, making them achievable for users.

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.

May not offer sufficient premium features for experienced cardholders.

Lacks specific dining or movie benefits, a drawback for younger users.

Requires a fixed deposit to be maintained for the card's tenure.

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 Nomo Credit Card(opens in new tab)