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

Amazon Pay ICICI Bank Credit Card has no annual fee. Axis My Zone Credit Card has ₹500 + 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 My Zone Credit Card earns about 0.4%. 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 My Zone 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 My Zone Credit Card: yes — see the lounge row above for limits.

Card Comparison

Amazon Pay ICICI vs Axis My Zone

The key difference: Free vs ₹500 annual fee. Amazon Pay ICICI vs Axis My Zonecompared 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 My Zone

Axis Bank

Fee₹500+GST

Eff. rate0.4%

CapNone

Fee

₹500+GST

Eff. rate

0.4%

Cap

None

Quick take

How they compare

Amazon Pay ICICI and Axis My Zonesuit 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 My Zone

Annual fee: ₹500 + GST
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap

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

52 specs · 14 sections

Amazon Pay ICICI Bank

Axis My Zone

Feature

Amazon Pay ICICI Bank

Axis My Zone

Annual Fee

Free

₹500

Joining Fee

Free

₹500

Fee Waiver Spend

N/A

Forex Markup

1.99%

3.5%

Reward Type

Cashback

Reward Points

Base Rate

0.4%

Online Rate

—

Offline Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹1

₹0.2

Redemption Quality

HIGH

LOW

Best Redemption

₹1

₹0.4

Worst Redemption

₹1

₹0.2

Amazon

—

Amazon Pay Partners

—

Eazydiner

—

15%

Swiggy

—

24%

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

8 categories

10 categories

Cinema / Movie Theatres

Earns rewards

Excluded

Gold / Jewellery

Earns rewards

Excluded

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

—

Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance

Estimated Value

—

₹999

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Amazon

Movies, Shopping, Food

Min Income

₹20,000/month

Not specified

Income Proof

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa

Visa, Mastercard

Card Tier

Entry

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 My Zone Credit Card?: Amazon Pay ICICI Bank Credit Card has no annual fee. Axis My Zone Credit Card has ₹500 + 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 My Zone Credit Card earns about 0.4%. 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 My Zone 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 My Zone 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 My Zone