vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹500); both charge a 3.5% forex markup.
| Key facts | ICICI Amazon Pay | ICICI Coral |
|---|---|---|
| Annual fee | None | ₹500 |
| Joining fee | None | ₹500 |
| Annual fee waived | Not listed | On ₹1.5 lakh annual spend |
| Top reward rate | 5% Cashback For Amazon Prime Member | 2 Reward Points per ₹100 |
| Base rewards | 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | 2 Reward Points per ₹100 |
| Lounge access | Not listed | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 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, ICICI Amazon Pay returns about ₹4,100 more a year after annual fees (₹4,800 vs ₹1,200 in rewards).
| Spend profile | ICICI Amazon Pay | ICICI Coral |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 0.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹1,200 |
| Annual fee | None | ₹500 |
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 Icici Bank Amazon Pay Visa Credit Card offers a no-fee structure with strong cashback rewards, especially for Amazon Prime members, while the ICICI Bank Coral Credit Card Visa charges a joining and annual fee but provides reward points on various spends including groceries and departmental stores. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, but differ significantly in rewards and lounge access benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Icici Bank Amazon Pay Visa Credit Card | ICICI Bank Coral Credit Card Visa |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | No Joining Fees | Joining Fee of Rs.500 |
| Annual / renewal fee | No Annual Fee | Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.150000 For Waiver of Annual Fee |
| Top reward rate | Earn 5% Cashback For Amazon Prime Member | Earn 2 Reward Points per Rs.100 |
| Base rate (other spends) | Earn 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | — |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | 100% Back up to Rs.200 on Amazon Shopping For Prime Members | — |
| Milestone benefit | — | Earn 2000 Reward Points on Spend of Rs.2 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Icici Bank Amazon Pay Visa Credit Card clearly leads with a top cashback rate of 5% for Amazon Prime members and a base cashback rate of 1% on other spends, translating to about Rs.4,800 annually at Rs.20,000 monthly spend. In contrast, the ICICI Bank Coral Credit Card Visa offers 2 reward points per Rs.100 spent, which converts to roughly Rs.1,200 annually in rewards. The Amazon Pay card’s cashback focus and higher effective return make it more rewarding for regular Amazon users and general spenders alike.
Regarding travel benefits, both cards have a 3.5% forex markup fee and offer a 1% fuel surcharge waiver. The Coral Credit Card provides one complimentary domestic airport lounge access per quarter, which the Amazon Pay card does not list. If lounge access is a priority, the Coral card has an edge, but for general travel spend rewards, the Amazon Pay card offers better cashback rates, especially for Amazon Prime members.
The Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees, making it cost-effective for all users. The ICICI Bank Coral Credit Card Visa charges Rs.500 as joining and annual fees, though the annual fee is waived on spending Rs.150,000 in the anniversary year. For users looking to avoid fees or with lower annual spends, the Amazon Pay card is more economical, while the Coral card’s fee waiver requires significant yearly expenditure.
The Amazon Pay card offers direct cashback with a clear top rate of 5% for Prime members and 1% base cashback, making rewards easy to understand and redeem. The Coral card earns points at a fixed rate of 2 points per Rs.100 spent, with a redemption value of Rs.0.25 per point, which requires users to actively redeem points to realize value.
The Coral Credit Card’s annual fee of Rs.500 can be waived by spending Rs.150,000 annually, which may not be feasible for all users. The Amazon Pay card avoids this complexity by having no fees, making it more beginner-friendly and cost-effective for low to moderate spenders.
Consider Icici Bank Amazon Pay Visa Credit Card if you are an Amazon Prime member or frequent Amazon shopper seeking high cashback rewards without any joining or annual fees. It is also suitable if you prefer straightforward cashback over points and want to avoid fee complexities.
Consider ICICI Bank Coral Credit Card Visa if you value domestic airport lounge access and prefer earning reward points that can be redeemed at Rs.0.25 per point. It may suit users who spend heavily on groceries, departmental stores, and utilities and can meet the Rs.150,000 annual spend to waive the annual fee.
No, the Icici Bank Amazon Pay Visa Credit Card has no joining fees and no annual fees.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The ICICI Bank Coral Credit Card Visa offers one complimentary domestic airport lounge access per quarter, while the Amazon Pay card does not list any lounge access benefits.
The annual fee of Rs.500 on the Coral Credit Card is waived if you spend Rs.150,000 during the anniversary year.
The Amazon Pay card offers up to 5% cashback for Amazon Prime members, whereas the Coral card earns 2 reward points per Rs.100 spent, equivalent to about 0.5% value.
The Amazon Pay card offers 100% cashback up to Rs.200 on Amazon shopping for Prime members. The Coral Credit Card does not list any welcome benefits in our data.