ICICI Amazon Pay Credit Card vs KIWI UPI RuPay Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
ICICI Bank
★ 4.5 / 5.0
ICICI Amazon Pay Credit Card
Amazon Shoppers & Digital Payments
YES Bank
★ 4.7 / 5.0
KIWI UPI RuPay Credit Card
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.5 / 5.0
★ 4.7 / 5.0
Annual Fee
Lifetime Free
Lifetime Free
Fee Waiver Condition
No annual fee ever
Lifetime Free credit card with zero joining and zero annual maintenance fees
Reward Rate
5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else
Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)
Finance APR
3.40% per month (40.8% per annum)
3.75% per month (45% per annum)
Welcome Offer
Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining
Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback
Top Perks
- • 5% cashback on all Amazon.in purchases (Amazon Prime members)
- • 3% cashback on all Amazon.in purchases (non-Prime members)
- • 2% cashback at 100+ Amazon Pay merchant partners
- • 1% cashback on all other spends
- • 1.5% base cashback (6 Kiwis per ₹100 spent) on all eligible UPI Scan & Pay transactions
- • Up to 5% milestone cashback upon reaching annual UPI spend thresholds via Neon program
- • 1 Kiwi = ₹0.25 cashback valuation, redeemable as statement credit
- • Instant virtual card issuance and direct UPI QR scanning inside Kiwi App
Best Suited For
Amazon Shoppers & Digital Payments
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends