Icici Bank Amazon Pay Visa Credit Card vs Times Black Icici Bank Credit Card: Which is Better in 2026?
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The Icici Bank Amazon Pay Visa Credit Card offers no joining or annual fees and focuses on Amazon-related cashback benefits, making it suitable for frequent Amazon users. In contrast, the Times Black Icici Bank Credit Card comes with a high joining and renewal fee but provides extensive travel perks, lounge access, and accelerated reward points across various spending categories. Both cards cater to different user needs, with one emphasizing cashback on Amazon spends and the other targeting premium travel and lifestyle 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 | Times Black Icici Bank Credit Card |
|---|---|---|
| Bank | ICICI Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | No Joining Fees | Joining Fee of Rs.20000 |
| Annual / renewal fee | No Annual Fee | Annual Fee of Rs.20000 |
| Annual fee waiver | — | Spend Rs.25 lakh For Annual Fees Waiver |
| Reward rate (headline) | — | 2% Reward Points on Education Transactions |
| Lounge — domestic | — | Visa Meet & Greet - Get a VIP Airport Experience |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Amazon Gift Coupon - 20% Back Upto Rs.100 on Electricity Bill For Non Prime Members | Toni&Guy Complimentary Rs.3000 Gift Voucher |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 1.49% - Foreign Currency Transactions |
Which is better for rewards?
The Times Black Icici Bank Credit Card clearly leads in rewards with 2% reward points on multiple categories including education, government payments, domestic and international transactions, and accelerated 6X points on shopping vouchers and flights. The Icici Bank Amazon Pay Visa Credit Card does not list specific reward points but offers various Amazon gift coupons as cashback benefits, which are valuable primarily for Amazon users. For general rewards versatility and higher value, Times Black is better, but for Amazon-focused cashback, the Amazon Pay card may suffice.
Which is better for travel?
Times Black Icici Bank Credit Card offers superior travel benefits including unlimited complimentary international lounge access and a VIP airport experience with Visa Meet & Greet. The Icici Bank Amazon Pay Visa Credit Card does not provide any lounge access or dedicated travel perks. Therefore, for travelers seeking premium airport services and lounge access, Times Black is the preferable choice.
Which has lower effective cost?
The Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees, making it a cost-effective option for users who want basic cashback benefits without any cost. On the other hand, the Times Black Icici Bank Credit Card has a high joining and renewal fee of Rs. 20,000 each year, which can be waived only after spending Rs. 25 lakh annually. This makes the Amazon Pay card more suitable for beginners or those unwilling to pay hefty fees.
Co-Brand and Cashback Focus
The Icici Bank Amazon Pay Visa Credit Card is co-branded with Amazon and offers cashback primarily in the form of Amazon gift coupons on various bill payments and recharges. This makes it highly focused on Amazon ecosystem users. In contrast, the Times Black Icici Bank Credit Card is a premium general-purpose card with diverse reward categories and no co-branding.
Forex Markup Charges
The Times Black Icici Bank Credit Card offers a lower forex markup fee of 1.49% on foreign currency transactions compared to 3.5% on the Icici Bank Amazon Pay Visa Credit Card. This makes Times Black more cost-effective for international spending.
Milestone and Welcome Benefits
Times Black provides multiple milestone benefits such as gift vouchers and complimentary passes upon reaching high annual spends, along with a substantial welcome voucher. The Amazon Pay card offers welcome cashback in the form of Amazon gift coupons but no milestone rewards.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you are looking for a no-fee credit card with cashback benefits primarily on Amazon transactions and related bill payments. It is ideal for users who prefer simple, fee-free cards with Amazon gift coupons as rewards and do not require travel or lounge benefits.
Who should pick Times Black Icici Bank Credit Card?
Consider Times Black Icici Bank Credit Card if you are a premium user who spends extensively and values luxury travel benefits such as unlimited international lounge access, concierge services, and accelerated reward points across multiple categories. This card suits frequent travelers and high spenders willing to pay a significant annual fee for exclusive privileges.
Frequently Asked Questions
No, the Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees.
The Times Black Icici Bank Credit Card offers unlimited complimentary international lounge visits and a Visa Meet & Greet VIP airport experience.
Yes, the Rs. 20,000 annual fee can be waived if you spend Rs. 25 lakh in the year.
The Times Black Icici Bank Credit Card has a lower forex markup fee of 1.49%, compared to 3.5% on the Icici Bank Amazon Pay Visa Credit Card.
No milestone benefits are listed for the Icici Bank Amazon Pay Visa Credit Card.
It offers a Toni&Guy complimentary Rs. 3000 gift voucher along with other vouchers worth up to Rs. 12,000 on various brands.