Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs ICICI Platinum Chip
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 Platinum Chip
VISA
Wins 2 of 10
Verdict
Amazon Pay ICICI wins 3-2. Heavy Amazon shoppers — best free card in India ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | Amazon Pay ICICI | ICICI Platinum Chip |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 0.5% (general) |
| Base reward rate | 1% | · 0.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = No welcome bonus — fee-free for life |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹300,000 | ₹200,000 |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.7/5 | · 3.6/5 |
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 Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›Amazon Pay ICICI vs ICICI Platinum Chip: 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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life.