Amazon Pay ICICI Bank Credit Card
Rs 0Annual fee
0Domestic lounge
1.99%Forex markup
Best for
amazon, amazon pay merchants, online, lifetime free
Top rewards
Amazon.in (Prime members): 5% cashback; Amazon.in (Non-Prime members): 3% cashback; Amazon Pay partner merchants: 2% cashback
American Express SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, entry level, shopping, amazon, zomato
Top rewards
partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends
| Feature | Amazon Pay ICICI Bank Credit Card | American Express SmartEarn Credit Card |
|---|---|---|
| Issuer | ICICI Bank | American Express |
| Network | Visa | American Express |
| Joining fee | Rs 0 | Rs 495 |
| Annual fee | Rs 0 | Rs 495 |
| Fee waiver spend | - | Rs 40,000 |
| Reward type | cashback | membership rewards |
| Best for | amazon, amazon pay merchants, online, lifetime free | online, entry level, shopping, amazon, zomato |
| Top reward categories | Amazon.in (Prime members): 5% cashback; Amazon.in (Non-Prime members): 3% cashback; Amazon Pay partner merchants: 2% cashback | partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 1.99% | 3.5% |
| Milestone benefits | Not listed | Vouchers worth Rs 500 each on reaching spends of Rs 1.20 lakh, Rs 1.80 lakh, and Rs 2.40 lakh in a cardmembership year |
| Redemption | Not listed | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel, rent transactions, gold, silver, and precious metals, tax-related payments, education transactions, international transactions | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers |