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Credit CardsComparisons

Amazon Pay ICICI vs AU Bank NOMO Credit Card

A head-to-head comparison of Amazon Pay ICICI and AU Bank NOMO Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

Amazon Pay ICICI

Amazon Loyalists

Annual Fee
Lifetime Free
Reward Rate
5% for Prime Members
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Lifetime FreeCard B

AU Bank NOMO Credit Card

Credit Builders & First-Time Applicants

Annual Fee
₹199
Reward Rate
2 RP per ₹100 (~0.5% effective at ₹0.25/point)
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Feature comparison

FeatureAmazon PayAU Bank
Annual FeeLifetime Free₹199 joining fee only; Lifetime Free from year 2 (backed by Fixed Deposit of ₹10,000+)
Reward Rate5% for Prime Members2 RP per ₹100 (~0.5% effective at ₹0.25/point)
Best ForAmazon LoyalistsCredit Builders & First-Time Applicants
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmazon PayAU Bank
Online shopping
Everyday spending
Airport lounge access
Zero forex markup

Quick verdict

Choose Amazon Pay ICICI if:

  • Lower annual fee (₹Nil vs ₹199)
  • You spend heavily on online shopping

Choose AU Bank NOMO Credit Card if:

  • You spend heavily on everyday spending
  • You spend heavily on zero forex markup
  • You spend heavily on airport lounge access

Full pros & cons

Amazon Pay ICICI

What's good
  • Zero annual fee — forever free to hold
  • Cashback added instantly to Amazon Pay balance
  • 3% cashback for non-Prime members on Amazon
  • Reduced 1.99% forex markup on international transactions (since October 2025)
Watch out for
  • Only 1% returns outside the Amazon ecosystem
  • Cashback redeemable only on Amazon India
  • No cashback on rent, EMI, utilities, fuel, taxes, education, and international transactions at non-Amazon merchants; gold coins, rent, taxes, education excluded on Amazon too
  • 1% fee on wallet loads of ₹5,000+ (since January 2026)
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AU Bank NOMO Credit Card

What's good
  • FD-backed — no credit history or income proof required; near-guaranteed approval
  • 0.99% forex markup on international transactions — best-in-class for a secured/starter card
  • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
  • Builds CIBIL score over time — ideal first step toward premium cards
  • 500 welcome RP + quarterly milestones (500 RP at ₹25K, +500 RP at ₹50K spend)
Watch out for
  • Requires locking ₹10,000+ in a fixed deposit with AU Bank — opportunity cost
  • Very low earn rate (0.5% effective) — purely a credit-building, not a rewards card
  • Domestic lounge access requires ₹50,000 spend in the previous quarter (raised from ₹20K in April 2026)
  • Zero rewards on fuel, rent, EMI, education, government, and BBPS payments
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