Airtel Axis Bank Credit Card vs Amazon Pay ICICI Credit Card

Airtel Axis Bank Credit Card vs Amazon Pay ICICI Credit Card

Last Updated : Feb. 22, 2025, 12:56 p.m.

Both the Airtel Axis Bank credit card and the Amazon Pay ICICI credit card are co-branded credit cards providing great benefits on online shopping. The Airtel Axis Bank Credit Card is curated to provide benefits to Airtel customers in the form of cashback, discounts, and vouchers. But, the benefits are not only restricted to Airtel spends but also across spends on other dining and grocery brands like Zomato, Swiggy, and BigBasket. Further, users can enjoy complimentary airport lounge access, dining discounts, etc. This co-branded credit card is highly beneficial for the frequent Airtel users. The Amazon Pay ICICI Credit Card is the first credit card in the country, which enables customers to shop on Amazon.in. This card provides ample cashback on transactions done at Amazon and 1% cashback on all other payments. Get a fuel surcharge waiver of 1% each time you refuel. Let us now compare both the credit cards with respect to their benefits, features, and fees.

Key Features and Benefits - A comparison of Airtel Axis Bank Credit Card versus Amazon Pay ICICI Card

ParameterAmazon Pay ICICI Credit CardAirtel Axis Bank credit card

Fees

  • No joining fee or annual fee
  • Get an annual fee waiver on annual spends greater than Rs. 2,00,000

Welcome benefit

  • Get an Amazon eVoucher worth Rs. 500 on the first transaction within 30 days of card issuance.

Cashback

  • Cashback of 5% on spends made on Amazon India for Amazon Prime customers.
  • Cashback of 3% on spends made on Amazon India for non-prime customers.
  • Cashback of 2% on payments made to 100 plus Amazon Pay partner merchants.
  • Cashback of 1% on other expenses such as travel, dining, insurance payments, and shopping.
  • 25% cashback on Airtel Mobile, Broadband, DTH, and WiFi bill payments via the Airtel Thanks app.
  • Earn 10% cashback on utility bill payments such as gas, electricity, etc. via the Airtel Thanks app.
  • Earn 10% cashback on Swiggy, Zomato, and BigBasket.
  • Get a cashback of 1% on all other spends.

Fuel surcharge waiver

  • Avail a fuel surcharge waiver of 1% each time when refueling.

  • Get a fuel surcharge waiver of 1% on fuel purchases at all fuel stations across India on transactions between Rs. 400 and Rs. 4000.

EMI options

  • No cost EMI for 3 and 6 months on Amazon.in

  • Convert transactions of Rs. 2500 or more into easy EMIs.

Reward earnings

  • Earnings will be in the form of Amazon Pay balance. There is no upper cap or expiry date on the rewards earned.
  • The reward earnings can be used for buying 10 crore plus products at Amazon.in and at 100 Amazon Pay partner merchants.

Security

  • ICICI credit cards come with an embedded microchip that provides an additional security against counterfeiting and duplication of cards.
  • These new chip cards have an additional layer of security in the form of a Personal Identification Number (PIN)
  • The credit card has several features, including fraud protection, zero liability on lost cards, and a one-time password (OTP) option.

Discounts

  • Enjoy up to 15% off at partnered restaurants via EazyDiner.

Special offers

Receive the following offers on Wednesdays

  • Instant savings of up to 15% on flights and hotels via GoIbibo and MakeMyTrip.
  • Get a discount of 10% on orders via Swiggy and Amazon Fresh.
  • Get 10% off up to Rs. 1000 on Tira

Complimentary Airport Lounge Access

  • No complimentary airport lounge access/Travel benefits/Entertainment benefits.
  • 4 complimentary lounge visits within India (4 lounge access in a year) on minimum spends of Rs. 50,000 in the previous 3 months.
  • No international airport lounge access or movie benefits.
  • No golf benefits

Golf privileges

  • No golf privileges
  • No golf benefits

Which Card is the best to choose?

The best card to be chosen depends on your lifestyle and spending patterns. The Airtel Axis Bank credit card is the most suitable for people who use Airtel services and pay high utility bills. The card provides high cashback rewards in these categories. Further, users can also gain attractive cashback by shopping online on dining and grocery apps. The Amazon Pay ICICI Bank credit card is most suited for people who shop on Amazon India. This card pays you back every time you shop on Amazon and also on other expenses such as dining, shopping, insurance payments, travel, and much more. So, for people who want to maximize their savings on Amazon India purchases can choose this card.

Frequently Asked Questions (FAQs)

What are the benefits of the Amazon Pay Credit Card?

What are the annual finance charges on the Airtel Axis Bank credit card?

Is there a criteria for annual fee waiver on the Airtel Axis Bank credit card?

What is the Amazon Pay ICICI Credit Card most suitable for?

How do I close my Airtel Axis Bank credit card?

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