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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank 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

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
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

FeaturePharmeasy HDFC Bank Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹500Free
Joining Fee₹500Free
Fee Waiver Spend₹70,000N/A
Base Reward Rate0.04%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating6.8/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Pharmeasy HDFC Bank 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, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Pharmeasy HDFC Bank Credit Card and Amazon Pay ICICI Bank Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while Amazon Pay ICICI Bank Credit Card has no annual fee. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Pharmeasy HDFC Bank Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank 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: Pharmeasy HDFC Bank 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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