Head-to-head · 🇮🇳 India
Axis ACE vs Amazon Pay ICICI
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 2 of 10
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 6 of 10
Verdict
Amazon Pay ICICI wins 6-2. Heavy Amazon shoppers — best free card in India Axis ACE is still the right call if bill payments + utilities + fuel — set-and-forget cashback.
Side-by-side
| Criterion | Axis ACE | Amazon Pay ICICI |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | · 4% (fuel) | 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = ₹500 Amazon Pay balance on first transaction |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
FAQ
›Axis ACE vs Amazon Pay ICICI: which is better?
Amazon Pay ICICI wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Amazon Pay ICICI for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction.