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Amazon Pay ICICI Bank Credit Card VS Axis Bank 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.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card

Fees & Charges

Joining Fee
Nil
₹499 + GST
Renewal Fee
Nil
₹499 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Foreign Transaction Fees
1.99%
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (55.55% annualized) on outstanding amount.

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
Up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward Type
Cashback
Cashback
Reward Redemption Fee
NIL
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
4 complimentary lounge visits per calendar year at select domestic airports.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of withdrawn amount, minimum Rs. 500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

Axis Bank ACE Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a popular lifetime-free shopping card designed for Amazon loyalists. It offers up to 5% cashback for Prime members and automates the reward process by crediting earnings directly as Amazon Pay balance, making it a highly convenient and high-value tool for online shoppers.

Who is it for?

The Axis Bank ACE Credit Card is an outstanding entry-level cashback card, ideal for young professionals and digital spenders. It offers accelerated cashback on utility payments via Google Pay, popular food delivery, and ride-hailing services. Key benefits include 4 complimentary domestic lounge access visits and an easily waivable annual fee. This card provides substantial value for everyday digital transactions and occasional travel.

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.

Excellent entry-level card for digital spends, offering high cashback rates.

High cashback rates on essential utility bills, food delivery, and ride-hailing services.

Provides 4 complimentary domestic airport lounge visits, a rare perk in this fee range.

Modest annual fee is easily waived, offering unlimited 1.5% cashback on general spending.

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.

Accelerated cashback categories are subject to a monthly capping limit.

No cashback earned on fuel, wallet reloads, EMI conversions, and some other transactions.

High 5% cashback is restricted to Google Pay Android app; not available on iOS.

A relatively high foreign currency markup of 3.5% applies to international transactions.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.