Amazon Pay ICICI Bank Credit Card vs Magnus Credit Card
ICICI Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual FeeFree
Max Reward5%
Axis BankScoreExcellent
Annual Fee₹12,500
Max Reward6%
Magnus Credit Card leads overall with a CardCheck Score of 84/100 (+7 pts over Amazon Pay ICICI Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Amazon vs MagnusReward Power
35%Amazon34/35
Magnus34/35
Tie (34/35)
Fee Value & ROI
25%Amazon25/25
Magnus18/25
Amazon Wins
Lounge & Travel
20%Amazon4/20
Magnus20/20
Magnus Wins
Forex & Access
20%Amazon14/20
Magnus12/20
Amazon Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 77
- 84Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 20/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- Axis Bank
- Network
- Visa
- Visa
- Card type
- Co-branded
- Premium
- Best for
- Rewards on Amazon Purchases
- Travel & Lifestyle
03—Fees
- Joining fee
- FreeBest
- ₹12,500
- Annual fee
- FreeBest
- ₹12,500
- Fee waiver
- FreeBest
- ₹25,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 36%Best
- APR (max)
- 46%
- 36%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1.2%Best
- Max rate
- 5%
- 6%Best
- Points / ₹100
- —
- 6
- Point value
- ₹1
- ₹0.2
- Monthly cap
- —
- ₹1,50,000
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- Unlimited
- Lounge spend criteria
- —
- ₹50,000 spend req.
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹30,000
- ₹2,00,000
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 77 | 84Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 20/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Axis Bank |
| Network | Visa | Visa |
| Card type | Co-branded | Premium |
| Best for | Rewards on Amazon Purchases | Travel & Lifestyle |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹12,500 |
| Annual fee | FreeBest | ₹12,500 |
| Fee waiver | FreeBest | ₹25,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 36%Best |
| APR (max) | 46% | 36%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1.2%Best |
| Max rate | 5% | 6%Best |
| Points / ₹100 | — | 6 |
| Point value | ₹1 | ₹0.2 |
| Monthly cap | — | ₹1,50,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | Unlimited |
| Lounge spend criteria | — | ₹50,000 spend req. |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹30,000 | ₹2,00,000 |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Amazon Pay ICICI Bank Credit Card | Magnus Credit Card |
|---|---|---|
| CardCheck Score | 77/100Very Good | 84/100Excellent |
| Annual Fee | Free (₹0) | ₹12,500 |
| Fee Waiver Spend | No waiver | ₹25L/yr |
| Max Reward Potential | 5% | 6% |
| Domestic Lounge Access | None | Unlimited |
| International Lounge | None | Priority Pass (Select) |
| Forex Markup Fee | 1.99% | 2% |
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 Magnus Credit Card if:
Your spending aligns with travel & lifestyle and you prioritize Axis Bank's redemption benefits.
Popular Comparisons for Amazon Pay ICICI Bank Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Magnus Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Amazon Pay ICICI Bank Credit Card vs Magnus Credit Card
- Which is better: Amazon Pay ICICI Bank Credit Card or Magnus Credit Card?
- Magnus Credit Card holds a higher overall rating with a CardCheck Score of 84/100 (Excellent) compared to 77/100 (Very Good) for Amazon Pay ICICI Bank Credit Card (a lead of +7 points). Magnus Credit Card gains its scoring lead primarily through lounge & travel privileges (20 vs 4) while tying on reward potential.
- 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, Magnus Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹25 Lakh.
- How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and Magnus Credit Card?
- Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Magnus Credit Card offers a base rate of 1.2% and up to 6% 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 Magnus Credit Card?
- Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, Magnus Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges (requires ₹50,000 spend in the previous period to unlock).
- 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 Magnus Credit Card charges 2%. 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).