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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity 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.

ICICI Bank

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
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

FeatureICICI Bank Platinum Identity Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹750Free
Joining Fee₹2,000Free
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyHand-picked RewardsAmazon Pay Balance
NetworkVisaVisa
Editor Rating7/109.5/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity 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, ICICI Bank Platinum Identity Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Platinum Identity Credit Card and Amazon Pay ICICI Bank Credit Card?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while Amazon Pay ICICI Bank Credit Card has no annual fee. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or Amazon Pay ICICI Bank Credit Card?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity 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: ICICI Bank Platinum Identity 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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