ICICI Bank Amazon Pay Visa Credit Card vs Times Black ICICI Bank Credit Card: Which is Better in 2026?
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In short: ICICI Amazon Pay has the lower annual fee (none vs ₹20,000); ICICI Times Black has the lower forex markup (1.49% vs 3.5%).
| Key facts | ICICI Amazon Pay | ICICI Times Black |
|---|---|---|
| Annual fee | None | ₹20,000 |
| Joining fee | None | ₹20,000 |
| Annual fee waived | Not listed | On ₹25 lakh annual spend |
| Lounge access | Not listed | Unlimited domestic & international lounge access |
| Forex markup | 3.5% | 1.49% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Icici Bank Amazon Pay Visa Credit Card and the Times Black Icici Bank Credit Card cater to very different user needs. The Amazon Pay card focuses on no fees and cashback on Amazon and utility bill payments, ideal for frequent Amazon shoppers. In contrast, the Times Black card is a premium offering with a high joining fee but rich travel and lifestyle benefits, including unlimited domestic and international lounge access and accelerated rewards.
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 | 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 Domestic Transactions |
| Lounge — domestic | — | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | 100% Back up to Rs.200 on Amazon Shopping For Prime Members | EaseMyTrip Complimentary gift voucher worth Rs.10000 |
| 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 offers superior rewards with 2% points on domestic spends and higher accelerated points on flights and hotels, making it more rewarding for diverse and high-value spending. The Amazon Pay card provides cashback primarily on Amazon shopping and utility bill payments but lacks a broad rewards program. Therefore, for users seeking versatile and higher reward rates, Times Black is better, while Amazon Pay suits those focused on specific cashback categories.
Which is better for travel?
Times Black clearly leads in travel benefits with unlimited complimentary domestic and international lounge access and luxury airport transfers as milestone rewards. The Amazon Pay card does not offer any lounge access or travel-related perks. Hence, for frequent travelers who value premium airport experiences and concierge services, Times Black is a more fitting choice.
Which has lower effective cost?
The Icici Bank Amazon Pay Visa Credit Card has no joining or renewal fees, making it a cost-effective option for beginners or those with limited credit card usage. On the other hand, Times Black comes with a steep Rs. 20,000 joining and annual fee, which can be waived only by spending Rs. 25 lakh annually. This makes Times Black suitable for high spenders who can maximize its benefits, while Amazon Pay is better for fee-sensitive users.
Co-Brand and Cashback Focus
The Icici Bank Amazon Pay Visa Credit Card is co-branded with Amazon and focuses heavily on cashback and gift coupons for Amazon shopping and utility bill payments. In contrast, Times Black is a premium general-purpose credit card with no co-brand affiliation but offers accelerated reward points on travel and lifestyle spends.
Forex Markup Charges
Times Black offers a significantly lower forex markup fee of 1.49%, which benefits international travelers making foreign currency transactions. The Amazon Pay card charges a higher forex markup of 3.5%, making it less ideal for overseas spending.
Milestone and Welcome Benefits
Times Black provides milestone benefits such as complimentary luxury airport transfers and vouchers on high spends, along with a substantial EaseMyTrip voucher worth Rs. 10,000 as a welcome benefit. The Amazon Pay card offers cashback welcome benefits but no milestone rewards.
Who should pick Icici Bank Amazon Pay Visa Credit Card?
Consider Icici Bank Amazon Pay Visa Credit Card if you prefer a no-fee credit card focused on cashback for Amazon Prime members and utility bill payments. It is ideal for users who want simple benefits without worrying about fees or complex milestone spends.
Who should pick Times Black Icici Bank Credit Card?
Consider Times Black Icici Bank Credit Card if you are a high spender looking for premium travel perks such as unlimited lounge access, concierge services, and accelerated rewards on flights and hotels. This card suits frequent travelers and luxury lifestyle seekers who can justify the high fees through extensive usage.
Frequently Asked Questions
No, the Icici Bank Amazon Pay Visa Credit Card has no joining or annual renewal fees.
The forex markup fee on the Times Black Icici Bank Credit Card is 1.49% on foreign currency transactions.
Yes, the Rs. 20,000 annual fee can be waived if you spend Rs. 25 lakh or more in a year.
No, the Icici Bank Amazon Pay Visa Credit Card does not provide any domestic or international lounge access.
It offers an EaseMyTrip complimentary gift voucher worth Rs. 10,000 along with other vouchers like Interflora and Lohono stays.
The Times Black Icici Bank Credit Card is better suited for frequent travelers due to unlimited lounge access and travel-related milestone benefits.