Amazon Pay ICICI Bank Credit Card vs HDFC Bank Swiggy BLCK Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
Amazon Pay ICICI Bank Credit Card wins 3 of 12 categories
Across rewards, fees and benefits, Amazon Pay ICICI Bank Credit Card edges ahead. But the best card for you depends on how you spend — check the detailed breakdown below.
85/100
Higher Expert Score
Head-to-head comparison
Overview
Expert Score
85/100
85/100
Bank
ICICI Bank
HDFC Bank
Network
Visa
Mastercard
Reward Rate
5%
10%
Fees & Charges
Joining Fee
FREE
₹1,000
Annual Fee
FREE
₹1,000
Forex Markup
1.99%
3.5%
Finance Charges
3.75% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
Up to 5% on Amazon
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick Amazon Pay ICICI Bank Credit Card if…
- You want better joining fee
- You want better annual fee
- You want better fuel waiver
Frequently asked questions
Which has a better expert score, Amazon Pay ICICI Bank Credit Card or HDFC Bank Swiggy BLCK Credit Card?+
Both cards score 85/100 in our editorial review.
Which card has lower fees?+
Amazon Pay ICICI Bank Credit Card costs ₹0 to join and ₹0 annually. HDFC Bank Swiggy BLCK Credit Card costs ₹1,000 to join and ₹1,000 annually.
Which card should I pick?+
Amazon Pay ICICI Bank Credit Card wins more categories overall in our breakdown. That said, the right choice depends on what you actually spend on — review the head-to-head table above and pick the one that matches your usage.