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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs Axis Bank Vistara Infinite Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardAxis Bank Vistara Infinite Credit Card
Annual FeeFree₹10,000
Joining FeeFree₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate1%3%
Reward CurrencyAmazon Pay BalanceMaharaja Club Points
NetworkVisaVisa
Editor Rating9.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Pros & Cons

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Both Amazon Pay ICICI Bank Credit Card and Axis Bank Vistara Infinite Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Choose Axis Bank Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or Axis Bank Vistara Infinite Credit Card?
Both Amazon Pay ICICI Bank Credit Card and Axis Bank Vistara Infinite Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Amazon Pay ICICI Bank Credit Card and Axis Bank Vistara Infinite Credit Card?
Amazon Pay ICICI Bank Credit Card has no annual fee, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or Axis Bank Vistara Infinite Credit Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and Axis Bank Vistara Infinite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Amazon Pay ICICI Bank Credit Card or Axis Bank Vistara Infinite Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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