Various credit cards from ICICI Bank are available, each suited to a different set of interests and spending patterns. The ICICI Bank Platinum Credit Card and the Amazon Pay ICICI Bank Credit Card are compared in this article as two well-liked options. After reading this comparison, we promise you’ll know which card better suits your needs.
ICICI Bank Platinum Credit Card: A Brief Overview
The ICICI Bank Platinum Credit Card offers its users various privileges and rewards. Let’s examine in detail the benefits that this card provides:
Reward Points: With the help of this card, get 2 reward points per Rs. 100 on every transaction. These reward points can be redeemed for multiple benefits, including vouchers and merchandise. Also, you can earn 1 reward point per Rs. 100 spent on insurance-related transactions or other bills.
Fuel Surcharge Waiver: The card offers 1% of fuel surcharge waiver, making it a cost-effective choice for those who frequently use their card for fuel purchases.
Reward Redemption: Cardholders may also redeem reward points for shopping or gift vouchers and for purchasing products from the Rewards Catalog.
Amazon Pay ICICI Bank Credit Card: A Brief Overview
Amazon Pay ICICI Bank Credit Card is one popular co-branded card for regular online shoppers. Here are its key features:
Cashback Rewards: This card stands out because of its cashback rewards for different categories, specifically on Amazon.in. Prime members can get 5% cashback, while non-Prime users can get 3%. Cardholders can earn cashback on shopping, mobile recharge, bill payments, and other expenses.
Amazon Prime Membership: Cardholders are qualified for a complimentary Amazon Prime membership, giving them access to a vast library of entertainment, fast shipping, and exclusive deals on Amazon.in.
Dining Benefits: This card also offers a 15% discount on dining and 1% fuel surcharge waivers at all petrol stations across India, enhancing its overall value proposition.
Comparing the Two Cards:
Rewards and Cashback:
ICICI Bank Platinum Credit Card: It offers reward points on each transaction, that can be redeemed for various benefits. However, the cashback potential is lower than that of the Amazon Pay ICICI Bank Credit Card.
Amazon Pay ICICI Bank Credit Card: This card shines in terms of cashback, particularly on Amazon.in. The cashback potential can be significant if you’re an avid online shopper.
Welcome Offers:
ICICI Bank Platinum Credit Card: It may come with welcome offers, typically in the form of discounts or vouchers.
Amazon Pay ICICI Bank Credit Card: The credit card often includes a substantial Amazon gift card as a welcome offer.
Membership Benefits:
ICICI Bank Platinum Credit Card offers some exclusive benefits. They may not be as extensive as the Amazon Prime membership provided by the Amazon Pay ICICI Bank Credit Card.
Fuel Surcharge Waiver and Dining Discounts:
Both cards offer 1% fuel surcharge waivers and dining discounts, making them attractive for those who dine out or drive frequently.
Conclusion
Choosing between the ICICI Bank Platinum Credit Card and the Amazon Pay ICICI Bank Credit Card depends on your spending habits and priorities. If you’re looking for a versatile card with reward points and welcome offers, the ICICI Bank Platinum Credit Card is a solid choice. However, if you’re a dedicated online shopper, the Amazon Pay ICICI Bank Credit Card offers substantial cashback rewards and an Amazon Prime membership that can elevate your online shopping experience.