Choosing the right credit card can be overwhelming, especially when you’re torn between two solid options. If you’re stuck between the ICICI Bank Platinum Credit Card and the Amazon Pay ICICI Bank Credit Card, this side-by-side comparison will help you decide which card suits your lifestyle better.
💳 ICICI Bank Platinum Credit Card – Rewarding Every Swipe
The ICICI Bank Platinum Credit Card is a classic choice for those who prefer a traditional rewards program.
Key Benefits:
- PAYBACK Points: Earn 2 points for every ₹100 spent on retail purchases (except fuel).
- BookMyShow Offer: Get up to ₹100 off on two movie tickets twice a month.
- Secure Transactions: Comes with built-in chip and contactless technology.
- Low Interest Rate: 2.49% per month on outstanding amounts.
Fees:
- Joining Fee: ₹500 (waived if annual spends exceed ₹1.5 lakh)
- Annual Fee: ₹500 (waived under the same condition)
🛒 Amazon Pay ICICI Bank Credit Card – Cashback Made Easy
For online shoppers, especially Amazon loyalists, this card offers one of the best cashback structures.
Key Benefits:
- Amazon Cashback:
- 5% for Prime members
- 3% for non-Prime members
- Partner Cashback: 2% with over 100 Amazon Pay partners
- All Other Spends: 1% cashback across all categories
- Fuel Surcharge Waiver: Save 1% on fuel transactions
- Lifetime Free: No joining or annual fee – ever.
- Digital-First: Instant approval and access to a digital card via video KYC.
🔍 Quick Comparison Table
| Feature | ICICI Bank Platinum Card | Amazon Pay ICICI Card |
|---|---|---|
| Reward Type | PAYBACK Points | Cashback |
| Annual Fee | ₹500 (waived on ₹1.5L spend) | ₹0 |
| Best For | General Retail Purchases | Online Shopping on Amazon |
| Cashback/Points Value | Moderate | High (esp. for Amazon Prime) |
| Fuel Surcharge Waiver | ❌ | ✅ 1% waiver |
| EMI Facility | ❌ | ✅ No-cost EMI |
| Instant Digital Card | ❌ | ✅ Available |
✅ Which Card Should You Choose?
- Choose the Amazon Pay ICICI Bank Credit Card if:
- You frequently shop on Amazon
- You prefer cashback over reward points
- You want a zero-fee card with effortless rewards
- Choose the ICICI Bank Platinum Credit Card if:
- You value flexible PAYBACK redemption
- You want entertainment perks like BookMyShow discounts
- You’re okay with a nominal fee in exchange for broader rewards
📝 Final Thoughts from Find My Swipe
Both cards offer solid value, but your spending behavior will determine the winner. At Find My Swipe, we recommend the Amazon Pay ICICI Bank Credit Card for most online shoppers and cashback seekers. However, if you’re looking for a simple, versatile rewards program, the Platinum card won’t disappoint.
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