Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 3 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 2 of 10
Verdict
Amazon Pay ICICI wins 3-2. Heavy Amazon shoppers — best free card in India ICICI HPCL Coral is still the right call if fuel-heavy spenders at hpcl pumps..
Side-by-side
| Criterion | Amazon Pay ICICI | ICICI HPCL Coral |
|---|---|---|
| Annual fee | No annual fee | · ₹199 |
| Joining fee | None | · ₹199 |
| Top reward rate | = 5% (shopping) | = 5% (fuel) |
| 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 transaction |
| Fee waiver threshold | · N/A (no fee) | ₹50,000 / yr |
| Min income | · ₹300,000 | ₹250,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.7/5 | · 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
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›Amazon Pay ICICI vs ICICI HPCL Coral: which is better?
Amazon Pay ICICI wins on more dimensions (3 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, ICICI HPCL 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 HPCL Coral: 2,000 PAYBACK points on first transaction.