Amazon Pay ICICI Bank Credit Card VS BOBCARD Premier Credit Card VS ICAI Exclusive BOBCARD Credit Card VS Axis Bank LIC Platinum Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
BOBCARD Premier Credit Card
ICAI Exclusive BOBCARD Credit Card
Axis Bank LIC Platinum 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.
Currently available as a lifetime free credit card (limited-time offer) with a decent reward rate.
Offers free domestic airport lounge access across the country.
Provides 5X reward points on travel, dining, and international spending.
Beneficial for taking advantage of various BOBCARD Credit Card offers.
Includes a fee waiver on milestone spends for the paid version.
Pros
Key benefits and features.
Lifetime free card with zero joining and annual fees, offering great value.
Accelerated 5x Reward Points on dining, utility, and online purchases.
Complimentary 12 domestic lounge access passes annually enhance travel.
Low 2% foreign currency markup makes international transactions cost-effective.
Comprehensive insurance benefits provide significant financial security.
Pros
Key benefits and features.
Nil joining and annual fees make this card cost-effective for long-term use without recurring charges.
Enhanced 2 Reward points per ₹100 on LIC premiums and foreign currency spends maximize targeted rewards.
1% fuel surcharge waiver up to ₹400 monthly helps frequent fuel users reduce transaction costs.
Complimentary lost card liability insurance up to credit limit adds valuable peace of mind.
Easy EMI option on purchases of ₹1500+ provides flexible payment choices for larger spends.
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.
High 3.5% foreign currency markup fee, despite accelerated international spend rewards.
Accelerated 5X Reward Points are capped at 2,000 points per month in specific categories.
Complimentary lounge access will become conditional on minimum spends from January 1, 2025.
Cons
Key drawbacks and limitations.
5x rewards on dining, utility, and online purchases are capped at 1000 RP per cycle.
Lounge access benefit requires a minimum spend of ₹40,000 in the preceding quarter.
No Reward Points are earned on fuel transactions, limiting savings in this category.
UPI transactions only earn core Reward Points, missing out on bonus rewards.
Card is exclusive to ICAI members, limiting its accessibility to a wider audience.
Cons
Key drawbacks and limitations.
Base rewards exclude fuel, wallet load, and EMI transactions, limiting earnings for common spends.
Foreign currency transaction fee of 3.5% and DCC markup of 1.5% raise costs on international use.
Finance charges of 3.75% per month (55.55% p.a.) are high for retail purchases and cash advances.
Reward redemption requires calling customer care and carries a ₹30 fee per redemption.
No explicit lounge access, travel perks, or milestone bonuses for high spenders.