CheQ AU Credit Card VS IDFC FIRST Wealth Credit Card VS HDFC Bank Titanium Edge Credit Card VS Amazon Pay ICICI Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
IDFC FIRST Wealth Credit Card
HDFC Bank Titanium Edge Credit Card
Amazon Pay ICICI Bank Credit Card
Who is it for?
Who is it for?
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.
Lifetime-free credit card with no joining or annual membership charges forever.
Extremely low foreign currency markup of 1.5% for international transactions.
Interest-free cash withdrawals for up to 45 days providing excellent liquidity.
Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.
Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.
Pros
Key benefits and features.
Zero joining fee and easily waivable renewal fee makes it budget-friendly.
Offers accelerated rewards on dining, making it good for foodies.
Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.
Comes with EMV chip and zero liability protection for secure transactions.
An interest-free period of up to 50 days helps manage your monthly finances better.
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.
Low monetary value for reward points fixed at a base rate of ₹0.25 per point.
Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.
High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.
Cons
Key drawbacks and limitations.
Lack of premium benefits like airport lounge access and comprehensive travel features.
A redemption fee of Rs. 99 applies for most reward point redemptions.
High foreign currency markup of 3.5% makes international spending expensive.
The card offers no specific welcome benefits, which some users might expect.
Reward points are only valid for two years, requiring timely redemption.
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.