Amazon Pay ICICI Bank Credit Card VS BOBCARD ETERNA Credit Card VS Flipkart Axis Bank Credit Card VS IDFC FIRST Wealth Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
BOBCARD ETERNA Credit Card
Flipkart Axis Bank Credit Card
IDFC FIRST Wealth 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.
High reward rate (3.75%) on key categories like online shopping, travel, dining, movies, and international spends.
Low foreign currency markup of 2% makes it ideal for international travelers and online shoppers.
Offers both joining and annual fee spend-based waivers, making the card potentially free.
Unlimited complimentary domestic airport lounge access, though subject to a spend condition.
Available on the RuPay network, enabling UPI transactions with rewards, a unique advantage.
Pros
Key benefits and features.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
Pros
Key benefits and features.
Lifetime-free credit card with no joining or annual membership charges forever.
Extremely low foreign currency markup of 1.5% for international transactions.
Interest-free cash withdrawals for up to 45 days providing excellent liquidity.
Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.
Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.
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.
Accelerated reward points are capped at 5,000 points per statement cycle for specific categories.
Domestic airport lounge access is conditional on high quarterly spending, which may be challenging.
Golf benefits previously offered with the Eterna Credit Card have since been removed.
No reward points are earned on certain categories such as insurance, fuel, and wallet transactions.
Cons
Key drawbacks and limitations.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.
Cons
Key drawbacks and limitations.
Low monetary value for reward points fixed at a base rate of ₹0.25 per point.
Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.
High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.