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Comparison · हिन्दी

CRED IndusInd vs Amazon Pay ICICI

Both cards compared on real rupee returns for best online app cashback credit card India CRED vs Amazon. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
INDUSIND
CRED
ASHOK KUMAR
VS
ICICI
AMAZON PAY ICI
ASHOK KUMAR
Our verdict
CRED IndusInd Bank RuPay Credit Card wins for most people
CRED IndusInd wins with ₹4,061 annual benefit versus ₹2,160 from Amazon Pay ICICI. It delivers superior value for this spend profile despite its annual fee, thanks to high rewards on shopping and groceries.
Side-by-side comparison
CRED IndusInd Bank RuPay Credit Card ✓ Amazon Pay ICICI Credit Card
Annual benefit ₹4,061 ₹2,160
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining; ₹499 + taxes annual from Year 2 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 CRED Points per ₹100 on e-commerce and CRED transactions (5%); 1 CP on others; 1 CP = ₹1 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 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% 1.99%
Best for CRED app users wanting best cashback on online shopping and UPI payments Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹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+
Apply now ↗ Full review →
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When each card wins
CRED IndusInd Bank RuPay Credit Card
CRED IndusInd excels when you're a frequent CRED app user making regular UPI payments or shopping online. The 5% cashback on e-commerce and CRED transactions quickly offsets the ₹499 annual fee.
Amazon Pay ICICI Credit Card
Amazon Pay ICICI suits Prime members with concentrated Amazon spending. Choose it if you shop primarily on Amazon and want lifetime free status without annual fee commitments.
Who should get which card
Get CRED IndusInd Bank RuPay if you…
· CRED app users with regular UPI payment habits
· Heavy e-commerce and online shoppers
· Those spending ₹6,000+ monthly on shopping
Get Amazon Pay ICICI if you…
· Amazon Prime members with significant Amazon purchases
· Fee-conscious users wanting lifetime free card
· Shoppers with minimal CRED or online transaction activity
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
CRED IndusInd Bank RuPay vs BOBCARD Uni GoldX →Amazon Pay ICICI vs Axis Flipkart →Flipkart SBI vs Amazon Pay ICICI →Amazon Pay ICICI vs HDFC Millennia →Best Shopping Credit Cards →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, CRED IndusInd Bank RuPay Credit Card offers better annual returns for most spend profiles.
CRED IndusInd Bank RuPay Credit Card has an annual fee of ₹0 joining; ₹499 + taxes annual from Year 2. Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
CRED IndusInd Bank RuPay Credit Card offers 5 CRED Points per ₹100 on e-commerce and CRED transactions (5%); 1 CP on others; 1 CP = ₹1. Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon.
CRED IndusInd Bank RuPay Credit Card lounge access: None. Amazon Pay ICICI Credit Card lounge access: No.
CRED IndusInd Bank RuPay Credit Card charges 3.5% forex markup. Amazon Pay ICICI Credit Card charges 1.99% forex markup.