Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 5 of 10
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 4 of 10
Verdict
Amazon Pay ICICI wins 5-4. Heavy Amazon shoppers — best free card in India AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | Amazon Pay ICICI | AU Bank Zenith |
|---|---|---|
| Annual fee | No annual fee | · ₹7,500 |
| Joining fee | None | · ₹7,500 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | · N/A (no fee) | ₹800,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
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
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›Amazon Pay ICICI vs AU Bank Zenith: which is better?
Amazon Pay ICICI wins on more dimensions (5 vs 4). 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 Amazon Pay ICICI for its best categories, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket.