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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs Swiggy HDFC Bank 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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HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardSwiggy HDFC Bank Credit Card
Annual FeeFree₹500
Joining FeeFree₹500
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate1%1%
Reward CurrencyAmazon Pay BalanceCashback
NetworkVisaMastercard
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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.

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or Swiggy HDFC Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Amazon Pay ICICI Bank Credit Card and Swiggy HDFC Bank Credit Card?
Amazon Pay ICICI Bank Credit Card has no annual fee, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or Swiggy HDFC Bank Credit Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. Swiggy HDFC Bank Credit Card offers 1% base rewards with bonuses on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and Swiggy HDFC Bank 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 Swiggy HDFC Bank 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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