Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 5 of 10
IN
HDFC Bank
HDFC Swiggy
Wins 2 of 10
Verdict
Amazon Pay ICICI wins 5-2. Heavy Amazon shoppers — best free card in India HDFC Swiggy is still the right call if heavy swiggy/instamart users — 10% on the platform tops anything else..
Side-by-side
| Criterion | Amazon Pay ICICI | HDFC Swiggy |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 5% (shopping) | 10% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | 4.7/5 | · 4.5/5 |
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
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›Amazon Pay ICICI vs HDFC Swiggy: which is better?
Amazon Pay ICICI wins on more dimensions (5 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 Amazon Pay ICICI for its best categories, HDFC Swiggy 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. HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value).