Amazon Pay ICICI Credit Card vs Kotak IndianOil Credit Card
Detailed comparison of these two popular credit cards
Winner
Amazon Pay ICICI Credit Card
ICICI Bank
EntryVS
Kotak IndianOil Credit Card
Kotak Mahindra Bank
Entry*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs ₹449
Effective Rate
(cash value)
1.0% vs 1.3%
Lounge Access
None vs None
Detailed Comparison
| Feature | Amazon Pay ICICI Credit Card | Kotak IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹449 |
| Annual Fee | FREE | ₹449 |
| Fee Waiver | None | Spend ₹50K annually |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | 💵Cashback | ⛽Fuel Points |
| Effective Cash Value | 1% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹2.4L |
Amazon Pay ICICI Credit Card is Best For
Amazon Prime members
Watch Out
- • Best value only on Amazon ecosystem
Kotak IndianOil Credit Card is Best For
IndianOil fuel users with regular grocery/dining spends
Watch Out
- • Caps on accelerated categories limit value
Our Verdict
Based on overall features and value,
Amazon Pay ICICI Credit Card wins!
Score: 43vsScore: 27
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