Amazon Pay 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
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 / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends
| Feature | Amazon Pay Credit Card | 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 / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹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 ₹500 each on reaching spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a cardmembership year |
| Redemption | Not Listed | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 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 |