vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹500); both charge a 3.5% forex markup.
| Key facts | Airtel Axis | ICICI Amazon Pay |
|---|---|---|
| Annual fee | ₹500 | None |
| Joining fee | ₹500 | None |
| Annual fee waived | On ₹2 lakh annual spend | Not listed |
| Top reward rate | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments | 5% Cashback For Amazon Prime Member |
| Base rewards | 1% Cashback on All Other Spends | 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, both return about ₹4,800 a year; ICICI Amazon Pay comes out about ₹500 ahead because of its lower annual fee.
| Spend profile | Airtel Axis | ICICI Amazon Pay |
|---|---|---|
| Reward value: top rate / base rate | 25% / 1% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹4,800 |
| Annual fee | ₹500 | None |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Airtel Axis Bank Visa Credit Card and the ICICI Bank Amazon Pay Visa Credit Card both offer cashback rewards with distinct focuses. Airtel Axis Bank card excels in high cashback on Airtel services, while the ICICI Amazon Pay card is tailored for Amazon Prime members with strong cashback on Amazon and travel spends. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, but differ in fee structures and reward categories.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Airtel Axis Bank Visa Credit Card | Icici Bank Amazon Pay Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.500 | No Joining Fees |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | No Annual Fee |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | — |
| Top reward rate | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments | Earn 5% Cashback For Amazon Prime Member |
| Base rate (other spends) | 1% Cashback on All Other Spends | Earn 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get Amazon eVoucher Worth Rs.500 on First Transaction | 100% Back up to Rs.200 on Amazon Shopping For Prime Members |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Both cards provide competitive cashback rewards valued at around Rs.4,800 annually at Rs.20,000 monthly spend. The Airtel Axis Bank card offers a top cashback rate of 25% on Airtel mobile, broadband, WiFi, and DTH payments, with a base cashback of 1% on other spends. The ICICI Amazon Pay card gives 5% cashback for Amazon Prime members on Amazon spends and 1% on other merchants, including international spends. While Airtel's rewards are heavily focused on Airtel services and select apps like Bigbasket and Swiggy, the ICICI card rewards Amazon Prime users broadly on Amazon and travel, making it more versatile for online shopping and travel-related expenses.
For travel-related benefits, the ICICI Bank Amazon Pay Visa Credit Card stands out by offering up to 5% cashback on travel for Amazon Prime members and 3% for non-members. The Airtel Axis Bank Visa Credit Card does not list any specific travel or lounge benefits in our data. Both cards provide a 1% fuel surcharge waiver, but ICICI's card has a clear advantage for travel spend cashback, making it more suitable for frequent travelers.
The ICICI Amazon Pay Visa Credit Card has no joining or annual fees, making it cost-effective for users who want to avoid upfront and recurring charges. In contrast, the Airtel Axis Bank Visa Credit Card charges a Rs.500 joining fee and Rs.500 annual fee from the second year onwards, which can be waived by spending Rs.2 lakhs annually. Both cards have a 3.5% forex markup fee and a 1% fuel surcharge waiver. Overall, ICICI's card offers a lower effective cost for users who prefer no-fee cards.
The Airtel Axis Bank Visa Credit Card requires an annual spend of Rs.2 lakhs to waive the Rs.500 annual fee from the second year onwards, which may be a consideration for moderate spenders. The ICICI Amazon Pay Visa Credit Card has no joining or annual fees, simplifying cost management for cardholders.
Airtel Axis Bank card rewards are heavily concentrated on Airtel services and select utility and food delivery apps, making it ideal for users deeply integrated into these ecosystems. The ICICI Amazon Pay card focuses on Amazon Prime members, offering strong cashback on Amazon purchases and travel, appealing to online shoppers and travelers.
Consider Airtel Axis Bank Visa Credit Card if you frequently pay for Airtel mobile, broadband, WiFi, or DTH services and want to maximize cashback in these categories. This card is also suitable if you use apps like Bigbasket, Swiggy, or Zomato regularly, as it offers 10% cashback on these platforms. However, be prepared for the joining fee and annual fee unless you can meet the Rs.2 lakh spend for waiver.
Consider ICICI Bank Amazon Pay Visa Credit Card if you are an Amazon Prime member or a frequent Amazon shopper looking for strong cashback on Amazon spends and travel. The card’s no joining or annual fee structure makes it attractive for cost-conscious users. It also benefits those who want consistent cashback on travel and other spends, with additional cashback on Amazon Pay gift cards and partners.
The Airtel Axis Bank Visa Credit Card charges Rs.500 as a joining fee and Rs.500 annual fee from the second year, waived on Rs.2 lakh annual spend. The ICICI Bank Amazon Pay Visa Credit Card has no joining or annual fees.
The ICICI Bank Amazon Pay Visa Credit Card offers up to 5% cashback on travel for Amazon Prime members and 3% for non-members. The Airtel Axis Bank Visa Credit Card does not list specific travel rewards.
Yes, both cards charge a 3.5% forex markup fee on foreign currency transactions.
Yes, both cards offer a 1% fuel surcharge waiver on fuel purchases.
The Airtel Axis Bank Visa Credit Card offers 25% cashback on Airtel mobile, broadband, WiFi, and DTH payments. The ICICI Bank Amazon Pay Visa Credit Card offers 5% cashback for Amazon Prime members on Amazon spends.
The Airtel Axis Bank Visa Credit Card provides an Amazon eVoucher worth Rs.500 on the first transaction. The ICICI Bank Amazon Pay Visa Credit Card offers 100% cashback up to Rs.200 on Amazon shopping for Prime members.