Amazon Pay ICICI Credit Card vs Kotak 811 Credit Card
Detailed comparison of these two popular credit cards
Winner
Amazon Pay ICICI Credit Card
ICICI Bank
EntryVS
Kotak 811 Credit Card
Kotak Mahindra Bank
Entry*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs ₹500
Effective Rate
(cash value)
1.0% vs 0.2%
Lounge Access
None vs None
Detailed Comparison
| Feature | Amazon Pay ICICI Credit Card | Kotak 811 Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹0 |
| Annual Fee | FREE | ₹500 |
| Fee Waiver | None | Spend ₹50K annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.2% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹1.8L |
Amazon Pay ICICI Credit Card is Best For
Amazon Prime members
Watch Out
- • Best value only on Amazon ecosystem
Kotak 811 Credit Card is Best For
Entry-level card for Kotak customers
Watch Out
- • Reward point value reduced from ₹0.25 to ₹0.10 in Jun 2025
Our Verdict
Based on overall features and value,
Amazon Pay ICICI Credit Card wins!
Score: 43vsScore: 14
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