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ICICI Amazon Pay Credit Card vs RBL Bank Icon Credit Card

Honest side-by-side comparison of ICICI Amazon Pay Credit Card, RBL Bank Icon 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

ICICI Amazon Pay Credit Card

ICICI Bank

RBL Bank Icon Credit Card

RBL Bank

Your adjusted comparison

Feature
ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card

ICICI Bank

RBL Bank Icon Credit Card

RBL Bank Icon Credit Card

RBL Bank

Fees & eligibility
Annual feeLifetime free₹5,000
Fee waiver thresholdLifetime freeNo waiver published
Min income₹25,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,481/yr-₹5,780/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr)—
Travel—₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate5%2X points/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

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

ICICI Amazon Pay Credit Card details →RBL Bank Icon 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 RBL Bank Icon Credit Card by about ₹12,261/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

ICICI Amazon Pay Credit Card vs RBL Bank Icon Credit Card comparison table
FeatureICICI Amazon Pay Credit Card

ICICI Bank

RBL Bank Icon Credit Card

RBL Bank

Fees & eligibility
Annual feeLifetime free₹5,000
Fee waiver thresholdLifetime freeNo waiver published
Min income₹25,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,481/yr-₹5,780/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr)—
Travel—₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate5%2X points/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryEMI · Fuel · Rent
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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