Amazon Pay ICICI Bank Credit Card VS ICICI Bank BizPay Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
ICICI Bank BizPay Card
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.
Streamlined management of business expenses, reducing manual data entry and administrative tasks.
Wide acceptance and accessibility across numerous merchant outlets and e-commerce platforms.
High annual spending limit of up to ₹50 lakh, catering to significant business needs.
Provides real-time spending insights and immediate reports for effective cost control.
Equipped with advanced security features, including an embedded microchip, OTP validation.
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.
A significant CMS Portal fee of ₹25,000 + GST is applicable.
Cash withdrawal transactions incur a charge of ₹21 + GST.
Absence of a clear rewards program or specific cashback benefits.
No explicit details on KYC tiers or associated balance limits.
No mention of NCMC transit compatibility for public transport.