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Side-by-Side Comparison|Updated March 2026

Axis Bank Rewards Credit Card vs Amazon Pay ICICI Bank 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 Rewards Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.32%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Rewards Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹1,000Free
Joining Fee₹1,000Free
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.32%1%
Reward CurrencyEDGE Reward PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Rewards Credit Card

  • 0% on Apparel & Departmental Stores — 1008 pts/month

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Rewards Credit Card

Pros

  • 10X EDGE Reward points on apparel and departmental store spends up to ₹7,000 per month.
  • Monthly milestone benefit of 1,500 EDGE Reward points on spending ₹30,000.
  • Flat ₹150 off on Swiggy twice a month on orders above ₹500.
  • Annual fee waiver on relatively low spending of ₹2 Lakhs per year.

Cons

  • Lounge access is subject to a high spend requirement of ₹50,000 in the previous 3 months.
  • Low reward redemption value of ₹0.20 per point.
  • Accelerated rewards are capped at a low monthly spend threshold of ₹7,000.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Our Verdict

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

Choose Axis Bank Rewards Credit Card if

Strong rewards on apparel and departmental stores make it ideal for regular mall shoppers.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Axis Bank Rewards Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Rewards 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 Rewards Credit Card and Amazon Pay ICICI Bank Credit Card?
Axis Bank Rewards Credit Card has an annual fee of ₹1,000, while Amazon Pay ICICI Bank Credit Card has no annual fee. Axis Bank Rewards Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Rewards Credit Card or Amazon Pay ICICI Bank Credit Card?
Axis Bank Rewards Credit Card offers a base reward rate of 0.32% with accelerated rewards on Apparel & Departmental Stores. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Rewards Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Rewards Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Rewards Credit Card or Amazon Pay ICICI 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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