Amazon Pay ICICI Bank Credit Card VS Axis Bank ACE Credit Card
Both Amazon Pay ICICI Bank Credit Card and Axis Bank ACE Credit Card suit shopping-focused spenders, but they earn and cost differently. 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. Axis Bank ACE Credit Card costs ₹499 + GST and earns up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. Amazon Pay ICICI Bank Credit Card also brings perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers, while Axis Bank ACE Credit Card counters with 4 complimentary lounge visits per calendar year at select domestic airports. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Axis Bank ACE Credit Card
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.
High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.
Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.
No maximum capping on the regular 1.5% cashback earned on all other spends.
Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.
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.
No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.
The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.
Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.