BEST FOR AMAZON SHOPPERS, NO ANNUAL FEE

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card - Our Money Guide Our Rating 4.5
Top Reasons to Choose
✔︎
Lifetime free card
✔︎
5% unlimited cashback on Amazon for Prime members (including flights & hotels), 3% for Non-Prime
✔︎
2% cashback on 100+ Amazon Pay partners
Annual Fee

₹0

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹3,60,000 per year

Annual Fee Offers
  • Welcome offers: ₹2000 + ₹500 discount on Amazon Prime membership

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

  • 5% cashback for Amazon Prime members
  • 3% cashback for Non-Prime members

Exceptions & important exclusions-

  • 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
  • No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

  • Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
  • Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

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The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal.

Benefits

  • High Cashback Rates: 5% on Amazon for Prime members 
  • No Annual Fee 
  • No Spending Limits on Earning Cashback: Unlimited cashback earning potential 
  • Wide Partner Network offering 2% Unlimited Cashback: 100+ Amazon Pay merchants 
  • Instant Redemption: Automatic Amazon Pay balance credit

Drawbacks

  • Limited Offline Benefits: Primarily designed for online shopping 
  • Poor Non-Amazon Rewards: Only 1% cashback on non-Amazon purchases
  • No Lounge Access
  • Prime Dependency: Maximum benefits require Amazon Prime membership

To read the full review of the card , please click here

HIGH REWARD ON HPCL FUEL PURCHASES

ICICI HPCL Super Saver Credit Card

ICICI HPCL Super Saver Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
6.50% reward on HPCL fuel, on purchases up to ₹5000 per month
✔︎
5% reward at departmental stores, electricity/mobile bills - on total spends up to ₹2000 per month
✔︎
Domestic airport lounge access - 1 time per quarter (quarterly card spending of ₹75000 required)
✔︎
BookMyShow movie tickets - 25% discount (up to ₹100), 2 times per month. Inox movie tickets - 25% discount (up to ₹100), 2 times per month
✔︎
Complimentary 24×7 emergency road side assistance
Annual Fee

₹500

Minimum Income

Salaried: ₹20,000 per month | Self-employed: ₹2,40,000 per year

Annual Fee Offers
  • Welcome offer: 2000 reward points worth ₹500 (on spending ₹5000 within 45 days)
  • Renewal offer: Annual fee waived at ₹1.50 lakhs annual spend

6.50% reward on HPCL fuel 

  • 4% cashback, on purchases up to ₹5000 per month
  • 1.50% through HP Pay App, on purchases up to ₹5000 per month
  • 1% fuel surcharge waiver at HPCL stations, on fuel transactions between ₹400 and ₹4000 

5% reward at departmental stores & utilities (electricity/ mobile bills)  

  • 20 reward points worth ₹5, per ₹100 spent
  • Monthly limit: 400 reward points worth ₹100, reached at ₹2000 monthly spend 

0.50% reward on other card purchases 

  • 2 reward points worth ₹0.50, per ₹100 spent
  • Important exclusions: No rewards on non-HPCL fuel spends, rent, e-wallets, EMIs, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, fees, interest and other charges.

Domestic airport lounge access: 1 visit per quarter (requires ₹75000 spending in the previous quarter)

25% discount on movie tickets

  • BookMyShow: 25% discount (up to ₹100), 2 times per month
  • Inox: 25% discount (up to ₹100), 2 times per month

24/7 Automobile Assistance: Phone support, on-site repair, key assistance, tire support, battery services, fuel delivery

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Benefits

  • Attractive reward of 6.50% on HPCL fuel spends
  • 5% reward at departmental stores, electricity & mobile bills
  • Complimentary domestic airport lounge access
  • Movie ticket benefits of up to ₹400 per month
  • 24/7 automobile assistance privileges

Drawbacks

  • May not be suitable for high fuel spenders (monthly fuel expenses exceeding ₹5000)
  • Low monthly spend limit to get 5% benefit on departmental store purchases, and on electricity & mobile bill payments.
  • You will need to consider other cards to earn higher reward on non-fuel spends

To read the full review of the card , please click here

Starter fuel card from ICICI || low annual fee

ICICI Bank HPCL Coral Credit Card

ICICI Bank HPCL Coral Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
3.50%
Reward on HPCL fuel purchases up to ₹4000 per month
✔︎
25% discount (up to ₹100) at BookMyShow movie tickets - 2 times per month
✔︎
Low annual fee of ₹199
✔︎
Low annual spend requirement of ₹50,000 to get annual fee waivers
Annual Fee

₹199

Minimum Income

Salaried: ₹20,000 per month | Self-employed: ₹2.40 lakh per year

Annual Fee Offers
  • Renewal offer: Annual fee waived at ₹50,000 yearly spend

3.50% reward on fuel purchases

  • 2.50% cashback on HPCL fuel purchases (monthly cashback limit: ₹100, reached at ₹4000 monthly spend)
  • 1% fuel surcharge waiver at HPCL fuel stations, only on fuel transactions between ₹400 and ₹4000

0.50% reward on other spends

  • 2 reward points worth ₹0.50 on every ₹100 spent
  • Reward points redemption: 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI’s rewards redemption platform for a variety of vouchers and products.

Important exclusions & restrictions: 

  • No reward points on non-HPCL fuel, rent, e-wallet loads, EMI transactions, balance transfer, personal loan on credit cards, cash advance, payments of fees, interest and other charges
  • 0.25% reward on insurance and utilities: 1 reward point on every ₹100 spent

25% discount on BookMyShow movie tickets 

  • Offer valid if you purchase a minimum of 2 tickets
  • When you purchase a minimum of two tickets, you get a 25% discount (up to ₹100)
  • Valid 2 times per month
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Benefits

  • Decent entry-level fuel card, with movie discounts
  • Low annual fee of ₹199
  • Low annual spend requirement of ₹50,000 to get annual fee waivers

Drawbacks to consider

  • Comparatively low fuel rewards
  • Low rewards on non-fuel spends

To read the full review of the card , please click here
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