Amazon Pay ICICI Bank Credit Card vs AU KOSMO Credit Card
ICICI Bank · AU Small Finance Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual FeeFree
Max Reward5%
AU Small Finance BankScoreGood
Annual FeeFree
Max Reward1.5%
Amazon Pay ICICI Bank Credit Card leads overall with a CardCheck Score of 77/100 (+16 pts over AU KOSMO Credit Card).
4-Pillar Head-to-Head Breakdown
Amazon vs AUReward Power
35%Amazon34/35
AU20/35
Amazon Wins
Fee Value & ROI
25%Amazon25/25
AU25/25
Tie (25/25)
Lounge & Travel
20%Amazon4/20
AU4/20
Tie (4/20)
Forex & Access
20%Amazon14/20
AU12/20
Amazon Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 77Best
- 61
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 20/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- AU Small Finance Bank
- Network
- Visa
- RuPay
- Card type
- Co-branded
- Co-branded
- Best for
- Rewards on Amazon Purchases
- UPI payments and rewards
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Fee waiver
- Free
- Free
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 46%
- 45%Best
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 5%Best
- 1.5%
- Point value
- ₹1
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Lounge spend criteria
- —
- 1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 3.47%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹30,000
- —
- Invite only
Rows won
04of 06
02of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 77Best | 61 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 20/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | AU Small Finance Bank |
| Network | Visa | RuPay |
| Card type | Co-branded | Co-branded |
| Best for | Rewards on Amazon Purchases | UPI payments and rewards |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Free | Free |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 46% | 45%Best |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 5%Best | 1.5% |
| Point value | ₹1 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Lounge spend criteria | — | 1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.47% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹30,000 | — |
| Invite only | ||
| Rows won | 04of 06 | 02of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Amazon Pay ICICI Bank Credit Card | AU KOSMO Credit Card |
|---|---|---|
| CardCheck Score | 77/100Very Good | 61/100Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 5% | 1.5% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 1.99% | 3.47% |
Choose Amazon Pay ICICI Bank Credit Card if:
Your spending centers around rewards on amazon purchases and you want direct partner rewards with ICICI Bank.
Choose AU KOSMO Credit Card if:
Your spending aligns with upi payments and rewards and you prioritize AU Small Finance Bank's redemption benefits.
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Frequently asked questions: Amazon Pay ICICI Bank Credit Card vs AU KOSMO Credit Card
- Which is better: Amazon Pay ICICI Bank Credit Card or AU KOSMO Credit Card?
- Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 61/100 (Good) for AU KOSMO Credit Card (a lead of +16 points). Amazon Pay ICICI Bank Credit Card gains its scoring lead primarily through reward potential (34 vs 20) and forex & terms (14 vs 12) while tying on fee value & ROI and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, AU KOSMO Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and AU KOSMO Credit Card?
- Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, AU KOSMO Credit Card offers a base rate of 1.5% and up to 1.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Amazon Pay ICICI Bank Credit Card or AU KOSMO Credit Card?
- Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, AU KOSMO Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Amazon Pay ICICI Bank Credit Card levies a foreign currency markup fee of 1.99%, while AU KOSMO Credit Card charges 3.47%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).