What are the annual fees for Amazon Pay ICICI Bank Credit Card and Axis Bank ACE Credit Card?

Amazon Pay ICICI Bank Credit Card has no annual fee. Axis Bank ACE Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Amazon Pay ICICI Bank Credit Card earns about 1% on general spends; Axis Bank ACE Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Amazon Pay ICICI Bank Credit Card: 1.99%. Axis Bank ACE Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits. Axis Bank ACE Credit Card: yes — see the lounge row above for limits.

Card Comparison

Amazon Pay ICICI vs Axis ACE

The key difference: Free vs ₹499 annual fee. Amazon Pay ICICI vs Axis ACEcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Amazon Pay ICICI Bank

ICICI Bank

FeeFree

Eff. rate1%

CapNone

Fee

Free

Eff. rate

Cap

None

Axis Bank ACE

Axis Bank

Fee₹499+GST

Eff. rate1.5%

CapCategory

Fee

₹499+GST

Eff. rate

1.5%

Cap

How they compare

Amazon Pay ICICI and Axis ACEsuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Amazon Pay ICICI

Annual fee: Free
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem
No monthly reward cap

Axis ACE

Annual fee: ₹499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Google Pay (up to 5%)
Direct cashback — nothing to redeem
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

54 specs · 14 sections

Amazon Pay ICICI Bank

Axis Bank ACE

Feature

Amazon Pay ICICI Bank

Axis Bank ACE

Annual Fee

Free

₹499

Joining Fee

Free

₹499

Fee Waiver Spend

N/A

₹2,00,000

Forex Markup

1.99%

3.5%

Reward Type

Cashback

Base Rate

1.5%

Online Rate

1.5%

Offline Rate

1.5%

Effective Base Rate

1.5%

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹1

Amazon

—

Amazon Pay Partners

—

Google Pay

—

Ola

—

Swiggy

—

Zomato

—

Grocery / Supermarkets

1.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

Flights, Hotels, OTAs, Tour Operators

1.5%

Other Retail / Catch-all

1.5%

Monthly Cap

No cap

Category caps apply

Est. Annual Cap

No cap

Category caps apply

Total Excluded

8 categories

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Earns rewards

Excluded

International Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

₹1,760

Forex Markup

1.99%

3.5%

Description

—

Joining fee of â‚¹499 reversed on spending â‚¹10,000 within 45 days of card setup

Estimated Value

—

₹499

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Amazon

Utility Bills, Online Spends, Food Delivery

Min Income

₹20,000/month

Not specified

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Entry

Classic

Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)

2% surcharge

None

Third-party wallet loads > ₹5,000

1% surcharge

None

Transport > ₹50,000

1% surcharge

None

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Amazon Pay ICICI Bank Credit Card and Axis Bank ACE Credit Card?: Amazon Pay ICICI Bank Credit Card has no annual fee. Axis Bank ACE Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Amazon Pay ICICI Bank Credit Card earns about 1% on general spends; Axis Bank ACE Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Amazon Pay ICICI Bank Credit Card: 1.99%. Axis Bank ACE Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits. Axis Bank ACE Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: ICICI Bank - Amazon Pay ICICI · Axis Bank - Axis ACE