Skip to main content

Amazon Pay ICICI Bank Credit Card VS Citi Cash Back 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.
Verified
Last updated: 21 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

Apply Now
CheQ AU Credit Card
Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Citi Cash Back Credit Card
Citi Cash Back Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based Waiver
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)0% intro APR for 18 months on balance transfers; variable APR 17.49% - 27.49% thereafter.

Rewards & Benefits

Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Welcome BonusEarn $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards RateEarn unlimited 2% cash back on every purchase; 5% on hotels, car rentals, and attractions booked through Citi Travel.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel BenefitsEarn a total of 5% cash back on hotels, car rentals, and attractions booked through Citi Travel.
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

Citi Cash Back Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

Who is it for?

The Citi Double Cash Card is a popular cash back credit card offering an unlimited 2% cash back on all purchases, split between 1% when you buy and 1% when you pay. It features no annual fee and an attractive 0% introductory APR on balance transfers for 18 months. This card is ideal for individuals seeking straightforward rewards on everyday spending and those looking to consolidate debt.

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.

Earn unlimited 2% cash back on all purchases, a straightforward and rewarding structure.

Enjoy the benefits of this card without paying any annual fee whatsoever.

Benefit from a long 0% introductory APR on balance transfers for debt consolidation.

Get enhanced 5% cash back on travel bookings made via the Citi Travel portal.

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 card lacks specific bonus categories for dining, movies, or fuel beyond general spend.

No complimentary airport lounge access or premium travel perks are offered with this card.

Interest is charged on new purchases if a balance transfer is not paid in full monthly.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)Apply for Citi Cash Back Credit Card(opens in new tab)