Find my best card →
faayda.com › compare › HDFC Business MoneyBack vs Amazon Pay ICICI
Comparison · हिन्दी

HDFC Business MoneyBack vs Amazon Pay ICICI

Both cards compared on real rupee returns for best online cashback card self-employed business India. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
HDFC
BUSINESS MONEY
ASHOK KUMAR
VS
ICICI
AMAZON PAY ICI
ASHOK KUMAR
Our verdict
Amazon Pay ICICI Credit Card wins for most people
Amazon Pay ICICI dominates with ₹3,120 annual benefit versus HDFC Business MoneyBack's ₹370, delivering nearly 8.4x more value. The lifetime-free Amazon card easily justifies itself for most spenders.
Side-by-side comparison
HDFC Bank Business MoneyBack Credit Card Amazon Pay ICICI Credit Card ✓
Annual benefit ₹370 ₹3,120
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹50,000/year 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 → 4 reward points per ₹200 on online spends (about 0.5% at up to ₹0.25 a point on SmartBuy or the catalogue); 2 points per ₹200 on other spends (about 0.25%); grocery points capped at 1,000 a month; no points on rent or education 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 → 2.5% 1.99%
Best for Existing holders only: HDFC Bank has stopped issuing this card Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (self-employed or 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 →
Apply now ↗ Full review →
When each card wins
HDFC Bank Business MoneyBack Credit Card
HDFC Business MoneyBack works only if you're an existing HDFC holder who can waive the ₹500 fee through ₹50,000 annual spend. Even then, benefits remain modest compared to modern cashback cards.
Amazon Pay ICICI Credit Card
Amazon Pay ICICI excels for Prime members with regular Amazon shopping, benefiting from 5% cashback on purchases plus 2% on partner merchants. The fee-free structure makes it risk-free for any spender.
Who should get which card
Get HDFC Bank Business MoneyBack if you…
· Existing HDFC Bank customers with loyalty to the bank
· Those who can easily cross ₹50,000 annual spend to waive fees
· Users with very high online shopping (4x rewards on online spends)
Get Amazon Pay ICICI if you…
· Amazon Prime members who shop regularly on Amazon
· Anyone wanting lifetime-free credit card with consistent cashback
· Spenders across shopping, dining, and groceries seeking broad rewards
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

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Amazon Pay ICICI vs Axis Flipkart →Flipkart SBI vs Amazon Pay ICICI →Amazon Pay ICICI vs HDFC Millennia →Paytm SBI vs Amazon Pay ICICI →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Amazon Pay ICICI Credit Card offers better annual returns for most spend profiles.
HDFC Bank Business MoneyBack Credit Card has an annual fee of ₹500 + taxes (waived on ₹50,000/year spend). Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
HDFC Bank Business MoneyBack Credit Card offers 4 reward points per ₹200 on online spends (about 0.5% at up to ₹0.25 a point on SmartBuy or the catalogue); 2 points per ₹200 on other spends (about 0.25%); grocery points capped at 1,000 a month; no points on rent or education. 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.
HDFC Bank Business MoneyBack Credit Card lounge access: None. Amazon Pay ICICI Credit Card lounge access: No.
HDFC Bank Business MoneyBack Credit Card charges 2.5% forex markup. Amazon Pay ICICI Credit Card charges 1.99% forex markup.