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BOBCARD ICSI Diamond 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
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond 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 WaiverNot applicable as the card is lifetime free.
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Foreign Transaction Fees2% of the total transaction amount.
Foreign Transaction Fees1.99% on international spends
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.

Rewards & Benefits

Welcome BonusComplimentary 6-month FitPass Pro membership. 500 bonus Reward Points on spending ₹5,000 or more within 60 days.
Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Rewards RateEarn 1 RP on every ₹100 retail spend; 5x RP on dining, online, utility bills (capped).
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 FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic airport lounge accesses annually (3 per quarter).
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits12 complimentary domestic lounge accesses annually; reduced 2% forex markup fee.
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Movie Benefits
Movie Benefits
Dining BenefitsEarn 5x Reward Points on dining spends (capped at 1000 RP/cycle).
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400-₹5,000, capped at ₹250 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.

Security & Other

Insurance BenefitsAir accident death cover (₹15L), non-air accident death cover (₹5L), professional indemnity (₹5L).
Insurance Benefits
Cash Advance Charges2.5% (min ₹300) domestic; 3% (min ₹300) international.
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.

BOBCARD ICSI Diamond Credit Card

Amazon Pay ICICI Bank Credit Card

Who is it for?

The BOBCARD ICSI Diamond Credit Card is an exclusive, lifetime-free credit card designed for active ICSI members. It offers accelerated 5x rewards on dining, online, and utility spends, along with 12 complimentary domestic airport lounge accesses annually. With a low 2% foreign currency markup and comprehensive insurance, this card is ideal for professionals seeking strong rewards and travel benefits without annual fees.

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.

Lifetime free card with zero joining and annual fees, offering great value.

Accelerated 5x Reward Points on dining, online, and utility bill payments.

Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.

Reduced foreign currency markup of 2% makes international transactions more affordable.

Comprehensive insurance coverage provides financial security for cardholders.

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.

5x accelerated rewards are capped at 1000 Reward Points per statement cycle.

Complimentary lounge access will become spend-based from January 1, 2025.

No Reward Points are earned on fuel transactions, limiting benefits in this category.

UPI transactions only earn core Reward Points, missing out on bonus rewards.

Card is exclusively available only for active members of The Institute of Company Secretaries of India.

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.
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