Amazon Pay ICICI Bank Credit Card VS AU Zenith+ Credit Card VS RBL Bank Icon Credit Card VS BOBCARD Tiara Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
AU Zenith+ Credit Card
RBL Bank Icon Credit Card
BOBCARD Tiara 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.
Enjoy a very low foreign currency markup of just 0.99% on all international transactions.
Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.
Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.
Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.
Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.
Pros
Key benefits and features.
Generous welcome bonus of 20,000 reward points enhances initial card value.
Exceptional reward rates on international and weekend dining spends maximize earnings.
Substantial milestone benefits allow earning up to 45,000 bonus reward points annually.
Comprehensive golf privileges with complimentary games and lessons for enthusiasts.
Valuable travel perks including domestic lounge access and international Priority Pass.
Pros
Key benefits and features.
Highly competitive 2% Forex markup charge, lower than most credit cards in the market.
Accelerated reward points on international spends benefit frequent international travelers.
Offers a high effective reward rate of 3.75% on dining and travel spends.
Wide array of lifestyle benefits including shopping discounts, entertainment, and health 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.
The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.
Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.
A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.
Quarterly caps on lounge access and movie tickets might limit usage for some users.
Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.
Cons
Key drawbacks and limitations.
High annual membership fee of INR 5,000 + GST may deter some potential users.
Significant foreign currency markup of 3.5% increases cost of international transactions.
A reward redemption fee of INR 99 + GST is charged per day for point redemptions.
International lounge access via Priority Pass is chargeable per visit, not complimentary.
No spend-based waiver for the annual fee, making it a fixed recurring cost.
Cons
Key drawbacks and limitations.
Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.
Domestic airport lounge access is conditional on meeting a minimum spending requirement.
Reward points on accelerated categories and UPI transactions are capped per statement cycle.