Amazon Pay ICICI Bank Credit Card VS Flipkart Axis Bank Credit Card VS AU Altura Credit Card VS YES Bank BYOC Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
AU Altura Credit Card
YES Bank BYOC 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.
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.
Enjoy significant savings with up to 2% cashback on daily essential spends.
Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.
Access complimentary railway lounges in India, enhancing your travel experience.
Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.
Offers zero liability protection, safeguarding against unauthorized card use.
Pros
Key benefits and features.
Highly customizable, allowing choice of card type, image, and rewards program.
Flexibility to earn 1% cashback or 8 Reward Points per Rs. 200 spent.
Access accelerated cashback plans on popular merchants like Swiggy and Uber.
Enjoy complimentary domestic airport lounge access once every quarter.
Benefit from 4 complimentary golf games and monthly golf lessons annually.
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.
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.
Cashback earnings are capped per statement cycle, limiting overall savings potential.
No cashback is provided on key transaction types like fuel, rent, and wallet spends.
The card does not provide any complimentary airport lounge access.
A foreign currency markup of 3.49% applies to international spends.
Cons
Key drawbacks and limitations.
Incurs a monthly membership fee of Rs. 49 + GST, adding to the cost.
Additional one-time fees apply for premium card variants like Metal or Eco-friendly.
A significant foreign currency markup of 3.5% on all international transactions.
Cash advance charges are 2.5% of the amount, with a minimum of Rs. 300.
No rewards or cashback are earned on fuel, EMI, or cash withdrawal transactions.