ICICI Amazon Pay vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
ICICI Amazon Pay
Why this card wins: Everyday Amazon Spends — 5% cashback for Amazon Prime members
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | Lifetime Free | ₹299 + GST |
| Joining Fee | Nil | ₹99 + GST |
| Rewards | 5% cashback for Amazon Prime members | 2 reward points per ₹100 on all spends |
| Best For | Everyday Amazon Spends | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | ₹500 Amazon Pay cashback | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.9 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Amazon Pay
Everyday Amazon Spends
Visa • Cashback
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
- 1% cashback on all other payments
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, ICICI Amazon Pay ranks highest among your selected cards. It excels at Everyday Amazon Spends and offers 5% cashback for Amazon Prime members.
Frequently asked questions
Which is better: ICICI Amazon Pay or PNB Rupay Platinum?
ICICI Amazon Pay has the higher CardKhoj rating (4.9/5) and is best for everyday amazon spends. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Amazon Pay and PNB Rupay Platinum?
ICICI Amazon Pay is cheaper to hold at Lifetime Free, compared with ₹299 + GST for PNB Rupay Platinum.
Do ICICI Amazon Pay and PNB Rupay Platinum offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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