Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 4 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
Verdict
Amazon Pay ICICI wins 4-3. Heavy Amazon shoppers — best free card in India ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
Side-by-side
| Criterion | Amazon Pay ICICI | ICICI Coral |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 2,000 PAYBACK points on first 60-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹150,000 / yr |
| Min income | · ₹300,000 | ₹240,000 |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.7/5 | · 4.2/5 |
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
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
FAQ
›Amazon Pay ICICI vs ICICI Coral: which is better?
Amazon Pay ICICI wins on more dimensions (4 vs 3). 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, ICICI Coral 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. ICICI Coral: 2,000 PAYBACK points on first 60-day spend.