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Credit CardsComparisons

Amazon Pay ICICI vs IndusInd Bank Tiger Credit Card

A head-to-head comparison of Amazon Pay ICICI and IndusInd Bank Tiger 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
Apply Now Read full review →
Lifetime FreeCard B

IndusInd Bank Tiger Credit Card

Lifetime-Free Travel & Lounge

Annual Fee
Lifetime Free
Reward Rate
Up to 6X tiered (~2.4% effective)
Apply Now Read full review →

Feature comparison

FeatureAmazon PayIndusInd Bank
Annual FeeLifetime FreeLifetime Free
Reward Rate5% for Prime MembersUp to 6X tiered (~2.4% effective)
Best ForAmazon LoyalistsLifetime-Free Travel & Lounge
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmazon PayIndusInd Bank
Online shopping
Domestic travel
International travel
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose Amazon Pay ICICI if:

  • You spend heavily on online shopping
  • This is your first credit card

Choose IndusInd Bank Tiger Credit Card if:

  • You spend heavily on international travel
  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access
  • You spend heavily on everyday spending
  • You spend heavily on fuel surcharge waiver

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)

IndusInd Bank Tiger Credit Card

What's good
  • Truly lifetime free — no annual or joining fee
  • 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
  • Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
  • 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
  • Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
  • Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
  • 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
  • Reward Point value is ₹0.40 each — middling redemption value vs cashback cards