CheQ AU Credit Card VS Amazon Pay ICICI Bank Credit Card
Both CheQ AU Credit Card and Amazon Pay ICICI Bank Credit Card suit different spenders, but they earn and cost differently. CheQ AU Credit Card is lifetime-free and earns up to 12 percent on select brands; 5 percent on other online spends; 2.5 percent on CheQ UPI; 1 percent on all other transactions. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5 percent for Prime / 3 percent for Non-Prime on Amazon; 2 percent on bill payments and 1 percent on other spends. CheQ AU Credit Card also brings Indias first LED card with dual Visa + RuPay issuance, while Amazon Pay ICICI Bank Credit Card counters with its own niche benefits. Compare the fee and reward differences above against your priority spend category - shopping, dining, fuel, or travel - to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
Amazon Pay ICICI Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
India's first LED-enabled credit card offers a unique and visually engaging payment experience.
High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.
Lifetime free for the standard variant, making it an attractive option with no annual fees.
Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.
Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.
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.
Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.
Rewards are not applicable on several categories like fuel, education, gold, and rent payments.
Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.
Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.
No domestic or international airport lounge access on this card.
Applications for the LED card open only from April 28, 2026, indicating a future availability.
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.