Vyaya
Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
View Full Details

ICICI Bank

Amazon Pay ICICI Bank Credit Card

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

Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Select Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹1,000Free
Joining Fee₹1,000Free
Fee Waiver Spend₹1,50,000N/A
Base Reward Rate1%1%
Reward CurrencyCashPointAmazon Pay Balance
NetworkVisaVisa
Editor Rating7.8/109.5/10
Forex Markup3.5%3.5%

Pros & Cons

Paytm HDFC Bank Select Credit Card

Pros

  • 5% CashPoints on Paytm spends including recharges, utility bills, and travel bookings.
  • 3% CashPoints on popular brands like Swiggy, Ajio, BigBasket, and Uber.
  • 8 complimentary domestic lounge visits per year (2 per quarter).
  • Quarterly milestone vouchers worth ₹500 on spending ₹50,000.

Cons

  • Monthly cashback caps on all categories (e.g., ₹1,500 for Paytm spends).
  • No rewards on fuel, wallet loads, rent, and EMI transactions.
  • High annual interest rate of 45% p.a.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose Paytm HDFC Bank Select Credit Card if

Users who frequently pay utility bills, recharges, and book movies/travel through the Paytm app.

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 Select 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 Select 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 Select Credit Card and Amazon Pay ICICI Bank Credit Card?
Paytm HDFC Bank Select Credit Card has an annual fee of ₹1,000, while Amazon Pay ICICI Bank Credit Card has no annual fee. Paytm HDFC Bank Select Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Select Credit Card or Amazon Pay ICICI Bank Credit Card?
Paytm HDFC Bank Select Credit Card offers a base reward rate of 1%. 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 Select 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 Select 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 Select 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.

Related Comparisons

Paytm HDFC Bank Select Credit Card vs Axis Bank ACE Credit CardAmazon Pay ICICI Bank Credit Card vs Axis Bank ACE Credit CardPaytm HDFC Bank Select Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardAmazon Pay ICICI Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit Card

Explore More

Paytm HDFC Bank Select Credit Card Full ReviewAmazon Pay ICICI Bank Credit Card Full ReviewAll HDFC Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips