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Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold Credit Card vs ICICI Bank Platinum Chip Credit Card

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

Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Easy Gold Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹100Free
Joining FeeFreeFree
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.2%0.125%
Reward CurrencyEDGE Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating5.5/106.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

ICICI Bank Platinum Chip Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: Axis Bank Easy Gold Credit Card or ICICI Bank Platinum Chip Credit Card?
ICICI Bank Platinum Chip Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and ICICI Bank Platinum Chip Credit Card?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while ICICI Bank Platinum Chip Credit Card has no annual fee. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or ICICI Bank Platinum Chip Credit Card?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Easy Gold Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip 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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