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Axis Bank KWIK RuPay Credit Card VS Amazon Pay ICICI Bank 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.
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Last updated: 21 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Axis Bank KWIK RuPay Credit Card
Axis Bank KWIK RuPay Credit Card
Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees1.99% on international spends
Interest Rate (APR)3.6% per month (equivalent to 52.86% per annum).
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.

Rewards & Benefits

Welcome Bonus
Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Rewards RateEarn 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption FeeRs. 49 plus taxes for redeeming 300 to 10,000 EDGE Reward Points; Rs. 99 plus taxes for >10,000 points.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000, max Rs. 150/month.
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank KWIK RuPay Credit Card

Amazon Pay ICICI Bank Credit Card

Who is it for?

The Axis Bank KWIK RuPay Credit Card is a lifetime free offering designed for seamless UPI payments, integrating credit card benefits with everyday transactions. It provides an instant virtual card via the Kiwi app, allowing users to earn 2 EDGE Reward Points for every Rs. 200 spent on domestic and international transactions. This card is ideal for individuals seeking a no-fee credit card that excels in UPI-based spending and general shopping, even at small and rural merchants. While lacking premium travel or lounge benefits, its core value lies in convenience and consistent rewards.

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.

Pros

Key benefits and features.

It is a lifetime free credit card, with no joining or annual fees.

Cardholders receive a virtual credit card instantly upon approval via the Kiwi mobile app.

Offers seamless UPI transaction capability, allowing credit card use at merchants with QR codes.

Provides a decent reward rate of 2 EDGE RPs per Rs. 200 spent on domestic and international transactions.

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.

Cons

Key drawbacks and limitations.

Does not offer international or domestic lounge access.

Lacks specific benefits for travel, dining, movies, golf, or insurance.

Significant reward point exclusions on common spends like fuel and rent.

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.

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 Axis Bank KWIK RuPay Credit Card(opens in new tab)Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)