Amazon Pay ICICI Bank Credit Card vs Standard Chartered Titanium Credit Card
ICICI Bank · Standard Chartered Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual FeeFree
Max Reward5%
Standard Chartered BankScoreBasic
Annual Fee₹750
Max Reward0.67%
Amazon Pay ICICI Bank Credit Card leads overall with a CardCheck Score of 75/100 (+26 pts over Standard Chartered Titanium Credit Card).
4-Pillar Head-to-Head Breakdown
Amazon vs StandardReward Power
35%Amazon34/35
Standard15/35
Amazon Wins
Fee Value & ROI
25%Amazon25/25
Standard18/25
Amazon Wins
Lounge & Travel
20%Amazon4/20
Standard4/20
Tie (4/20)
Forex & Access
20%Amazon12/20
Standard12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 75Best
- 49
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- Standard Chartered Bank
- Network
- Visa
- Mastercard
- Card type
- Co-branded
- Regular
- Best for
- Rewards on Amazon Purchases
- Basic Mastercard — 5X on dining and fuel, low ₹750 annual fee
03—Fees
- Joining fee
- FreeBest
- ₹250
- Annual fee
- FreeBest
- ₹750
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%Best
- 0.13%
- Max rate
- 5%Best
- 0.67%
- Points / ₹100
- —
- 2
- Point value
- —
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹25,000
- ₹15,000
- Min CIBIL
- 750
- 650Best
- Invite only
Rows won
05of 06
01of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75Best | 49 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Standard Chartered Bank |
| Network | Visa | Mastercard |
| Card type | Co-branded | Regular |
| Best for | Rewards on Amazon Purchases | Basic Mastercard — 5X on dining and fuel, low ₹750 annual fee |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹250 |
| Annual fee | FreeBest | ₹750 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1%Best | 0.13% |
| Max rate | 5%Best | 0.67% |
| Points / ₹100 | — | 2 |
| Point value | — | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹25,000 | ₹15,000 |
| Min CIBIL | 750 | 650Best |
| Invite only | ||
| Rows won | 05of 06 | 01of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Amazon Pay ICICI Bank Credit Card | Standard Chartered Titanium Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 49/100Basic |
| Annual Fee | Free (₹0) | ₹750 |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 5% | 0.67% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 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 Standard Chartered Titanium Credit Card if:
Your spending aligns with basic mastercard — 5x on dining and fuel, low ₹750 annual fee and you prioritize Standard Chartered Bank's redemption benefits.
Frequently asked questions: Amazon Pay ICICI Bank Credit Card vs Standard Chartered Titanium Credit Card
- Which is better: Amazon Pay ICICI Bank Credit Card or Standard Chartered Titanium Credit Card?
- Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 49/100 (Basic) for Standard Chartered Titanium Credit Card (a lead of +26 points). Amazon Pay ICICI Bank Credit Card provides better net value across rewards and fee structures.
- 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, Standard Chartered Titanium Credit Card charges an annual fee of ₹750 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and Standard Chartered Titanium Credit Card?
- Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Standard Chartered Titanium Credit Card offers a base rate of 0.13% and up to 0.67% 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 Standard Chartered Titanium Credit Card?
- Amazon Pay ICICI Bank Credit Card provides no complimentary domestic lounge access. On the other hand, Standard Chartered Titanium Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Amazon Pay ICICI Bank Credit Card levies a foreign currency markup fee of 3.5%, while Standard Chartered Titanium Credit Card 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).