What are the annual fees for Amazon Pay ICICI Bank Credit Card and HDFC Bank MoneyBack Plus Credit Card?

Amazon Pay ICICI Bank Credit Card has no annual fee. HDFC Bank MoneyBack Plus 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; HDFC Bank MoneyBack Plus Credit Card earns about 0.3333%. 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%. HDFC Bank MoneyBack Plus Credit Card: not disclosed (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. HDFC Bank MoneyBack Plus Credit Card: none specified.

Card Comparison

Amazon Pay ICICI vs HDFC MoneyBack Plus

Amazon Pay ICICI vs HDFC MoneyBack Pluscompared 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

HDFC Bank MoneyBack Plus

HDFC Bank

Fee₹500+GST

Eff. rate0.33%

Cap₹2,500

Fee

₹500+GST

Eff. rate

0.33%

Cap

₹2,500

Quick take

How they compare

Amazon Pay ICICI and HDFC MoneyBack Plus suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹500 annual fee. 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

HDFC MoneyBack Plus

Annual fee: ₹500 + GST
Everyday rate: 0.3%
Monthly cap: ₹2,500/mo

Notable strengths

Flat rewards on every spend

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

54 specs · 14 sections

Amazon Pay ICICI Bank

HDFC Bank MoneyBack Plus

Feature

Amazon Pay ICICI Bank

HDFC Bank MoneyBack Plus

Annual Fee

Free

₹500

Joining Fee

Free

₹500

Fee Waiver Spend

N/A

₹50,000

Forex Markup

1.99%

—

Reward Type

Cashback

Reward Points

Base Rate

0.33%

Online Rate

—

Offline Rate

—

Effective Base Rate

0.33%

Point Value

₹1

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹1

₹0.15

Amazon

3.33%

Amazon Pay Partners

—

Bigbasket

—

3.33%

Flipkart

—

3.33%

Reliance Smart

—

3.33%

Swiggy

—

3.33%

Grocery / Supermarkets

0.33%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.33%

Flights, Hotels, OTAs, Tour Operators

0.33%

Other Retail / Catch-all

0.33%

Monthly Cap

No cap

₹2,500

Est. Annual Cap

No cap

₹30,000

Total Excluded

8 categories

4 categories

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

Excluded

Earns rewards

Education / School / College Fees

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

International Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

Forex Markup

1.99%

—

Description

—

500 CashPoints on card issuance

Estimated Value

—

₹125

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Amazon

Shopping

Min Income

₹20,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, RuPay

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 HDFC Bank MoneyBack Plus Credit Card?: Amazon Pay ICICI Bank Credit Card has no annual fee. HDFC Bank MoneyBack Plus 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; HDFC Bank MoneyBack Plus Credit Card earns about 0.3333%. 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%. HDFC Bank MoneyBack Plus Credit Card: not disclosed (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. HDFC Bank MoneyBack Plus Credit Card: none specified.

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

Sources: ICICI Bank - Amazon Pay ICICI · HDFC Bank - HDFC MoneyBack Plus