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Amazon Pay ICICI Bank Credit Card VS ICICI Bank Business Advantage Blue 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.
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Last updated: 21 July 2026
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CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹500 + GST
Renewal FeeLifetime Free
Renewal Fee₹500 + GST
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverJoining fee waived on ₹50,000 spend in 60 days. Renewal fee waived on ₹5,00,000 spend annually.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.75% per month (minimum due) or 3.40% per month (general, 40.80% annually).

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 BonusJoining fee waiver if you spend ₹50,000 or more within 60 days of card issuance.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards RateUp to 1% cashback on domestic/international spends, capped at ₹500/month. Additional 0.20% on bill payment.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary visits per year (2/quarter) at select lounges, with ₹35,000 spend in previous quarter.
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits24x7 concierge services for flight/hotel booking, car rentals, and emergency auto assistance.
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining BenefitsMinimum 15% discount on dining bills under ICICI Bank Culinary Treats Program at 2500+ restaurants.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver1% waiver at HPCL stations on transactions up to ₹5,000/month, max waiver ₹500/month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal air accident cover up to ₹75 lakhs and zero credit card lost liability.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges2.5% of transaction amount or ₹300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

ICICI Bank Business Advantage Blue 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 ICICI Bank Business Advantage Blue Credit Card is a powerful financial tool designed for professionals, entrepreneurs, and MSMEs. It simplifies spending and rewards businesses with cashback on eligible transactions. Positioned as a card for business savings and smart spending, it offers key benefits such as cashback on transactions, complimentary domestic airport lounge access, and comprehensive concierge services. This card is highly recommended for business individuals who frequently incur expenses on air travel and professional services, allowing for substantial savings on business expenditures, coupled with enhanced security features.

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.

Designed for business savings, offering cashback on recurring business expenses.

Provides additional cashback for timely bill payments via Corporate Net Banking.

Includes valuable benefits like domestic lounge access and dining discounts.

Comprehensive 24x7 concierge services enhance convenience for business travel.

Offers robust insurance benefits including personal air accident cover.

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.

Cashback is capped at ₹500 per month, which may limit benefits for high spenders.

No cashback is earned if the monthly spend is less than ₹25,000.

Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

The foreign currency markup of 3.5% is relatively high for international transactions.

Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.

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.
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