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Amazon Pay ICICI vs ICICI Platinum Chip Card

A head-to-head comparison of Amazon Pay ICICI and ICICI Platinum Chip 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
Annual Fee
Lifetime Free
Reward Rate
2 PAYBACK Points per ₹100
Apply Now Read full review →

Feature comparison

FeatureAmazon PayICICI Platinum
Annual FeeLifetime FreeLifetime Free
Reward Rate5% for Prime Members2 PAYBACK Points per ₹100
Best ForAmazon LoyalistsBank Offers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmazon PayICICI Platinum
Online shopping
Everyday spending

Quick verdict

Choose Amazon Pay ICICI if:

  • You spend heavily on online shopping

Choose ICICI Platinum Chip Card if:

  • You spend heavily on everyday spending

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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ICICI Platinum Chip Card

What's good
  • Zero maintenance cost — purely passive value
  • Unlocks exclusive ICICI e-commerce sale discounts
  • Accepted across all major Indian shopping platforms
Watch out for
  • Very poor base reward rate outside sale events
  • No reward points on rent, e-wallet loads, government, and education spends (2026 change)
  • Reward points expire after 2 years of card inactivity
Apply Now
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