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AU Zenith Credit Card vs ICICI Amazon Pay Credit Card

Honest side-by-side comparison of AU Zenith Credit Card, ICICI Amazon Pay Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

AU Zenith Credit Card

AU Small Finance Bank

ICICI Amazon Pay Credit Card

ICICI Bank

Your adjusted comparison

Feature
AU Zenith Credit Card

AU Zenith Credit Card

AU Small Finance Bank

ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹7,999Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,478/yr₹6,481/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr)
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹1505%
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet · Jewellery
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

AU Zenith Credit Card details →ICICI Amazon Pay Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card leads AU Zenith Credit Card by about ₹14,959/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

AU Zenith Credit Card vs ICICI Amazon Pay Credit Card comparison table
FeatureAU Zenith Credit Card

AU Small Finance Bank

ICICI Amazon Pay Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹7,999Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,478/yr₹6,481/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr)
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹1505%
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet · Jewellery
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
ICICI Amazon Pay Credit Card leads with an estimated ₹6,481/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Amazon Pay Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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