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Comparison · हिन्दी

Axis ACE vs Amazon Pay ICICI

Both cards compared on real rupee returns for best cashback credit card India Axis ACE vs Amazon Pay ICICI. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
ACE
ASHOK KUMAR
VS
ICICI
ASHOK KUMAR
Our verdict
Axis ACE Credit Card wins for most people
Card A wins with ₹4,541 annual benefits versus Card B's ₹3,120. Its higher cashback rates on utilities, dining, and shopping align perfectly with your spend profile, despite the annual fee.
Side-by-side comparison
Axis ACE Credit Card ✓ Amazon Pay ICICI Credit Card
Annual benefit ₹4,541 ₹3,120
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend) Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends 5% on Amazon for Prime members, 3% for non-Prime; 2% on 100+ partners; 1% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend) No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Utility bill payments and everyday flat cashback Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 650+
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Apply now ↗ Full review →
When each card wins
Axis ACE Credit Card
Choose Card A if you pay utility bills via Google Pay regularly and dine out frequently. The 5% cashback on utilities and 4% on Swiggy/Zomato maximizes returns on your actual spending pattern.
Amazon Pay ICICI Credit Card
Choose Card B only if you're a heavy Amazon Prime member with significant spending there. The lifetime-free structure appeals to those avoiding annual fees, though it underperforms on your current spending mix.
Who should get which card
Get Axis ACE if you…
· 5% cashback on utility bills via Google Pay matches your ₹3000 monthly utilities spend
· 4% on Swiggy/Zomato captures your ₹3000 dining budget efficiently
· Fee waives at ₹2L annual spend (achievable with ₹16k/month)
Get Amazon Pay ICICI if you…
· Lifetime free card with no annual fee burden
· Better if you're an Amazon Prime member with significant shopping there
· 2% on 100+ partner merchants provides decent coverage
Partner offer
YES Bank ACE Credit Card
Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure
Apply now →
YES
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →Amazon Pay ICICI vs Axis Flipkart →IDFC FIRST Wealth vs Axis ACE →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Axis ACE Credit Card offers better annual returns for most spend profiles.
Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend). Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends. Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on 100+ partners; 1% on others.
Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). Amazon Pay ICICI Credit Card lounge access: No.
Axis ACE Credit Card charges 3.5% forex markup. Amazon Pay ICICI Credit Card charges 3.5% forex markup.