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

BEST IN CLASS REWARDS STRUCTURE (UP TO 36%) AND LIFESTYLE BENEFITS

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
✔︎
36% reward on hotel bookings
✔︎
18% reward on flight bookings & gift vouchers
✔︎
3% reward on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited golf rounds both in India and abroad
✔︎
2 free BookMyShow movie tickets (up to ₹750 each), per month
✔︎
Complimentary EazyDiner Prime membership
Annual Fee

₹12499

Minimum Income

Invite Only

Annual Fee Offers
  • Welcome Offer: 12,500 reward points worth ₹12,500, Taj Epicure Membership with free one-night stay
  • Renewal Offer: Annual fee waiver at ₹10 lakh annual spend, else 12500 reward points worth ₹12,500 on payment of annual fee

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

  • Hotel bookings: 36% rewards (36 points per ₹100)
  • Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

  • 3 points per ₹100
  • Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

  • Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
  • Grocery purchases: 1,000 reward points
  • Utility bill payments: 1,000 reward points 
  • Education payments: 1,000 reward points 
  • Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

  • Flight and hotel bookings
  • Select brand vouchers

- Lower Value Redemptions

  • Cashback: 1 point = ₹0.40
  • Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

  • ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
  • ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

  • Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
  • Unlimited complimentary golf rounds (India & abroad)
  • 2% foreign exchange fee (lower than standard rates)
  • Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

  • Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
  • 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

  • Ongoing EazyDiner Prime membership
  • Fuel surcharge waiver up to ₹1,000 per month
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Benefits

  • Industry-leading reward rates on card spending, especially travel
  • Comprehensive lifestyle benefits including unlimited golf and lounge access
  • Free movie tickets (2 per month) - not available in competitor cards like HDFC Infinia
  • Reasonable annual fee compared to some popular super-premium cards like Axis Burgundy

Drawbacks to consider

  • Invite-only eligibility limits accessibility
  • Caps on accelerated reward points can disadvantage high spenders
  • Changing policies on popular e-voucher purchases on ICICI iSHOP platform (like Amazon Pay vouchers)
  • Does not offer a strong airline/ hotel points transfer program, especially compared to Axis & HSBC super-premium credit cards
  • Lower redemption value for non-travel options, hence more suitable for frequent travelers

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

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

ICICI Bank Parakram Select Credit Card

ICICI Bank Parakram Select Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
2.50%
Reward on grocery & department store purchases
✔︎
International airport lounge access - 1 time per year
✔︎
Domestic airport lounge access - 8 times per year
✔︎
Free golf rounds in India - up to 4 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on grocery & department store purchases (5X)

  • 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
  • This is valid only on total monthly purchases up to ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
  • 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)

  • 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
  • 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

Exceptions: No reward points are given on fuel purchases, utility bills, government transactions, insurance, rent payments, e-wallet loading transactions, international spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card, all types of card fees and other charges.

Complimentary international airport lounge access – 1 time per year

Complimentary domestic airport lounge access – 2 times per quarter. This benefit is applicable only if you have spent a minimum of ₹75,000 on your credit card, in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

  • You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
  • Up to a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits

  • Personal accident insurance of ₹2 lakh
  • Air accident cover of ₹20 lakhs

Fuel surcharge waiver, up to ₹250 per month

  • 1% waiver fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000.
  • And only on fuel purchases up to ₹25000 per month (since the waiver amount is limited to ₹250 per month).
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Benefits

  • Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
  • Higher benefit of 2.50% on grocery and department store purchases
  • Complimentary international airport lounge access (1 time per year)
  • Complimentary domestic airport lounge access (2 times per quarter)
  • Complimentary golf rounds, up to 4 rounds per month

Drawbacks to consider

  • The reward rate on non-shopping spends like travel, fuel etc is low

To read the full review of the card , please click here
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Best ICICI Credit Card for Online Shopping

  • Amongst the entry-level cards, Amazon Pay ICICI Bank Credit Card is one of the best icici bank credit cards  in India.
  • With the launch of the ICICI iSHOP portal, the ICICI Emeralde Private Metal Credit Card offers excellent rewards on certain shopping purchases, especially if you take advantage of high rewards on shopping gift vouchers through iSHOP portal.
Card Name Annual Fee Benefits

Amazon Pay ICICI Bank Credit Card

Minimum Income

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

 Annual Fee - ₹ 0
  • Welcome offers: ₹2000 + ₹500 discount on Amazon Prime membership
 Special Benefits
  • Lifetime free card
  • 5% cashback on Amazon for Amazon Prime members, 3% for non-Prime
  • 2% cashback on 100+ Amazon Pay partners

ICICI Bank Emeralde Private Metal Credit Card

Minimum Income

Invite Only

 Annual Fee - ₹ 12499
  • Welcome Offer: 12,500 reward points worth ₹12,500, Taj Epicure Membership with free one-night stay
  • Renewal Offer: Annual fee waiver at ₹10 lakh annual spend, else 12500 reward points worth ₹12,500 on payment of annual fee
 Special Benefits
  • 36% reward on hotel bookings 
  • 18% reward on flight bookings & gift vouchers
  • 3% reward on other card spends 

Monthly limit: 18,000 accelerated reward points, reached at spending between ₹54,000 to ₹1.20 lakhs depending on spend categories

  • Unlimited domestic & international airport lounge access
  • Unlimited golf rounds both in India and abroad
  • 2 free BookMyShow movie tickets (up to ₹750 each), every month
  • Complimentary EazyDiner Prime membership

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