ICICI Amazon Pay vs SC Ultimate
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 | Standard Chartered |
| Card Type | Cashback | Super Premium |
| Annual Fee | Lifetime Free | ₹5,000 + GST |
| Joining Fee | Nil | ₹5,000 + GST |
| Rewards | 5% cashback for Amazon Prime members | 3.33% rewards value on all spends |
| Best For | Everyday Amazon Spends | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | ₹500 Amazon Pay cashback | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹15,000/month | ₹1,00,000/month |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.9 | 4.7 |
| 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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
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 SC Ultimate?
ICICI Amazon Pay has the higher CardKhoj rating (4.9/5) and is best for everyday amazon spends. SC Ultimate is the better fit if your priority is luxury travel. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Amazon Pay and SC Ultimate?
ICICI Amazon Pay is cheaper to hold at Lifetime Free, compared with ₹5,000 + GST for SC Ultimate.
Do ICICI Amazon Pay and SC Ultimate offer airport lounge access?
ICICI Amazon Pay: no complimentary lounge access. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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