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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Digital 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.

HDFC Bank

Paytm HDFC Bank Digital Credit Card

7.2/10
Annual Fee₹149
Base Rewards1%
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

FeaturePaytm HDFC Bank Digital Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹149Free
Joining Fee₹149Free
Fee Waiver Spend₹25,000N/A
Base Reward Rate1%1%
Reward CurrencyCashPointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Digital Credit Card

  • 0% on Paytm Scan & Pay
  • 0% on Swiggy
  • 0% on Uber

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Paytm HDFC Bank Digital Credit Card

Pros

  • 2% CashPoints on Scan & Pay via Paytm app and Swiggy/Uber spends.
  • High reward value of 1:1 when redeemed against statement balance.
  • Low annual fee of ₹149 with an easy waiver at ₹25,000 annual spend.
  • Welcome benefit of 150 CashPoints on initial transactions covers the joining fee.

Cons

  • Monthly reward caps are relatively low (₹250-₹500 per category).
  • No airport lounge access or travel-specific benefits.
  • High interest rate of 45% per annum if balance is not cleared.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose Paytm HDFC Bank Digital Credit Card if

Ideal for those who frequently use Paytm for Scan & Pay and utility payments.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Digital 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, Paytm HDFC Bank Digital Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm HDFC Bank Digital Credit Card and Amazon Pay ICICI Bank Credit Card?
Paytm HDFC Bank Digital Credit Card has an annual fee of ₹149, while Amazon Pay ICICI Bank Credit Card has no annual fee. Paytm HDFC Bank Digital Credit Card offers a fee waiver on ₹25,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Digital Credit Card or Amazon Pay ICICI Bank Credit Card?
Paytm HDFC Bank Digital Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Scan & Pay and Swiggy. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Digital Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Digital 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: Paytm HDFC Bank Digital 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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