ICICI Bank Amazon Pay Visa Credit Card vs RBL Bank Platinum Delight Mastercard Credit Card: Which is Better in 2026?
vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | ICICI Amazon Pay | RBL Platinum Delight |
|---|---|---|
| Annual fee | None | ₹1,000 |
| Joining fee | None | Not listed |
| Annual fee waived | Not listed | On ₹2 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 |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, ICICI Amazon Pay returns about ₹4,600 more a year after annual fees (₹4,800 vs ₹1,200 in rewards).
| Spend profile | ICICI Amazon Pay | RBL Platinum Delight |
|---|---|---|
| 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 | ₹1,000 |
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).
Both Icici Bank Amazon Pay Visa Credit Card and Rbl Bank Platinum Delight Mastercard Credit Card are active products in India. The side-by-side table below summarises fees, rewards and travel perks from the same mTuzo benefits feed used on each card’s CardChat page — use it plus the short verdicts to decide which fits your spend pattern.
Last updated:
| Feature | Icici Bank Amazon Pay Visa Credit Card | Rbl Bank Platinum Delight Mastercard Credit Card |
|---|---|---|
| Bank | ICICI Bank | RBL Bank |
| Network | Visa | MasterCard |
| Joining fee | No Joining Fees | — |
| Annual / renewal fee | No Annual Fee | Annual Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Waiver of Annual Membership 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 | — |
| 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 | Welcome Benefit - 4000 Reward Points |
| Milestone benefit | — | Earn 1000 Bonus Reward Points Every Month |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Icici Bank Amazon Pay Visa Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 5% Cashback For Amazon Prime Member vs Earn 2 Reward Points per Rs.100). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Neither card clearly dominates on lounge data in our automated parse — or both are similarly strong. Use the lounge rows in the table and your own travel pattern (domestic vs international) to break the tie.
Which has lower effective cost?
Renewal fee wording differs between issuers, so compare the “Annual / renewal fee” row directly: Icici Bank Amazon Pay Visa Credit Card — No Annual Fee Rbl Bank Platinum Delight Mastercard Credit Card — Annual Fee of Rs.1000 Then read waiver rules; a higher published fee can still be cheaper net if you usually clear spend-based waivers.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you already bank with ICICI Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Rbl Bank Platinum Delight Mastercard Credit Card?
Consider Rbl Bank Platinum Delight Mastercard Credit Card if you already bank with RBL Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Icici Bank Amazon Pay Visa Credit Card — domestic: —; international: —. Rbl Bank Platinum Delight Mastercard Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the ICICI Bank and RBL Bank websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the ICICI Bank and RBL Bank websites.
On the first reward band we surface, Icici Bank Amazon Pay Visa Credit Card shows a stronger headline earn (Earn 5% Cashback For Amazon Prime Member vs Earn 2 Reward Points per Rs.100). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Icici Bank Amazon Pay Visa Credit Card: Waiver wording not in our benefit extract — check ICICI Bank. Rbl Bank Platinum Delight Mastercard Credit Card: Spend Rs.2 Lakhs For Waiver of Annual Membership Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Icici Bank Amazon Pay Visa Credit Card: 3.5% - Foreign Currency Transactions Rbl Bank Platinum Delight Mastercard Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the ICICI Bank and RBL Bank websites.
Icici Bank Amazon Pay Visa Credit Card: 100% Back up to Rs.200 on Amazon Shopping For Prime Members Rbl Bank Platinum Delight Mastercard Credit Card: Welcome Benefit - 4000 Reward Points Welcome campaigns are time-bound — verify eligibility and fulfilment on the ICICI Bank and RBL Bank websites.