Amazon Pay ICICI Bank Credit Card VS Flipkart Axis Bank Credit Card VS IDFC FIRST Millennia Credit Card VS SBI SimplyCLICK Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
IDFC FIRST Millennia Credit Card
SBI SimplyCLICK Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
A lifetime-free credit card with no joining or annual maintenance fees for cardholders.
Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.
Cashback is automatically credited as Amazon Pay balance with no manual redemption required.
Rewards never expire and there is no maximum capping on the total cashback you can earn.
Competitive foreign currency markup of only 1.99% compared to the standard market rates.
Pros
Key benefits and features.
Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.
Cashback is directly credited to your statement, simplifying the redemption process.
Enjoy unlimited cashback on preferred partners and most other eligible card spends.
Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.
Provides a beneficial 1% fuel surcharge waiver at all stations across India.
Pros
Key benefits and features.
Enjoy the benefit of a lifetime-free card with no joining or annual fees ever.
Earn reward points that never expire, ensuring you never lose the value you have earned.
Access complimentary railway lounges 4 times per quarter at major stations across India.
Benefit from exceptionally low interest rates starting from just 8.5% per annum.
Comprehensive protection with personal accident insurance and 24/7 roadside assistance.
Pros
Key benefits and features.
Excellent accelerated reward program for online shopping, with up to 10X points on partner brands.
Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.
Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.
Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.
Cons
Key drawbacks and limitations.
Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.
Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.
The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.
No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.
Cons
Key drawbacks and limitations.
Offers relatively low 1% cashback on most offline shopping and general spends.
The card currently does not provide any complimentary insurance benefits to cardholders.
High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.
Welcome benefits for new cardholders have seen a reduction from previous offers.
Reports suggest some users face challenges with voucher redemption and card cancellations.
Cons
Key drawbacks and limitations.
The card lacks complimentary domestic and international airport lounge access for travelers.
A reward redemption fee of ₹99 plus GST is charged for every redemption transaction made.
High monthly spending of over ₹20,000 is required to unlock the 10X reward point benefit.
Essential spending categories like fuel and EMI transactions do not earn any reward points.
Cons
Key drawbacks and limitations.
Lacks complimentary domestic or international airport lounge access, limiting benefits for travelers.
Does not provide explicit insurance benefits, which is a common feature in many other cards.
Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.