Amazon Pay ICICI Bank Credit Card vs IndiGo Kotak Credit Card - Premium
ICICI Bank · Kotak Mahindra Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual FeeFree
Max Reward5%
Kotak Mahindra BankScoreVery Good
Annual Fee₹3,000
Max Reward21%
Amazon Pay ICICI Bank Credit Card leads overall with a CardCheck Score of 77/100 (+1 pts over IndiGo Kotak Credit Card - Premium).
4-Pillar Head-to-Head Breakdown
Amazon vs IndiGoReward Power
35%Amazon34/35
IndiGo35/35
IndiGo Wins
Fee Value & ROI
25%Amazon25/25
IndiGo18/25
Amazon Wins
Lounge & Travel
20%Amazon4/20
IndiGo15/20
IndiGo Wins
Forex & Access
20%Amazon14/20
IndiGo8/20
Amazon Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 77Best
- 76
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 15/20
- Forex & Access (20%)
- 14/20
- 8/20
02—Basic Info
- Bank
- ICICI Bank
- Kotak Mahindra Bank
- Network
- Visa
- Mastercard
- Card type
- Co-branded
- Co-branded
- Best for
- Rewards on Amazon Purchases
- frequent IndiGo flyers
03—Fees
- Joining fee
- FreeBest
- ₹3,000
- Annual fee
- FreeBest
- ₹3,000
- Fee waiver
- Free
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 41.97%Best
- APR (max)
- 46%
- 45%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 2%Best
- Max rate
- 5%
- 21%Best
- Point value
- ₹1
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 2Best
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹20,000
- —
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 77Best | 76 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 15/20 |
| Forex & Access (20%) | 14/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Kotak Mahindra Bank |
| Network | Visa | Mastercard |
| Card type | Co-branded | Co-branded |
| Best for | Rewards on Amazon Purchases | frequent IndiGo flyers |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹3,000 |
| Annual fee | FreeBest | ₹3,000 |
| Fee waiver | Free | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 41.97%Best |
| APR (max) | 46% | 45%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 2%Best |
| Max rate | 5% | 21%Best |
| Point value | ₹1 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 2Best |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹20,000 | — |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Amazon Pay ICICI Bank Credit Card | IndiGo Kotak Credit Card - Premium |
|---|---|---|
| CardCheck Score | 77/100Very Good | 76/100Very Good |
| Annual Fee | Free (₹0) | ₹3,000 |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 5% | 21% |
| Domestic Lounge Access | None | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 1.99% | 3.5% |
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 IndiGo Kotak Credit Card - Premium if:
Your spending aligns with frequent indigo flyers and you prioritize Kotak Mahindra Bank's redemption benefits.
Frequently asked questions: Amazon Pay ICICI Bank Credit Card vs IndiGo Kotak Credit Card - Premium
- Which is better: Amazon Pay ICICI Bank Credit Card or IndiGo Kotak Credit Card - Premium?
- Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 76/100 (Very Good) for IndiGo Kotak Credit Card - Premium (a lead of +1 points). Amazon Pay ICICI Bank Credit Card gains its scoring lead primarily through fee value & ROI (25 vs 18) and forex & terms (14 vs 8).
- 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, IndiGo Kotak Credit Card - Premium charges an annual fee of ₹3,000 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and IndiGo Kotak Credit Card - Premium?
- Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, IndiGo Kotak Credit Card - Premium offers a base rate of 2% and up to 21% 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 IndiGo Kotak Credit Card - Premium?
- Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, IndiGo Kotak Credit Card - Premium provides 2 complimentary domestic lounge visits per quarter (8/year).
- 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 IndiGo Kotak Credit Card - Premium charges 3.5%. 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).