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Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹10,000Free
Joining Fee₹10,000Free
Fee Waiver SpendN/AN/A
Base Reward Rate3%1%
Reward CurrencyMaharaja Club PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating9/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

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.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

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

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.

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 Vistara Infinite Credit Card or Amazon Pay ICICI Bank Credit Card?
Both Axis Bank Vistara Infinite Credit Card and Amazon Pay ICICI Bank 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 Axis Bank Vistara Infinite Credit Card and Amazon Pay ICICI Bank Credit Card?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, while Amazon Pay ICICI Bank Credit Card has no annual fee.
Which card has better rewards: Axis Bank Vistara Infinite Credit Card or Amazon Pay ICICI Bank Credit Card?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. 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 Vistara Infinite 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 Vistara Infinite 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 Vistara Infinite 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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