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Side-by-Side Comparison|Updated May 2026

MakeMyTrip ICICI Bank Credit Card vs Amazon Pay ICICI Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

MakeMyTrip ICICI Bank Credit Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkMastercard
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMakeMyTrip ICICI Bank Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹999Free
Joining Fee₹999Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencymyCashAmazon Pay Balance
NetworkMastercardVisa
Editor Rating8.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

MakeMyTrip ICICI Bank Credit Card

  • 0% on MMT Hotels
  • 0% on MMT Flights/Cabs

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

MakeMyTrip ICICI Bank Credit Card

Pros

  • High 6% reward rate on hotel bookings via MakeMyTrip
  • Industry-leading low forex markup of 0.99%
  • Dual card offering (Mastercard + RuPay) for UPI compatibility
  • Unlimited myCash rewards with no expiry date

Cons

  • Rewards (myCash) can only be redeemed on the MakeMyTrip platform
  • Low reward rate of 1% on non-travel retail spends
  • International lounge access is limited to once per year

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, MakeMyTrip ICICI Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose MakeMyTrip ICICI Bank Credit Card if

Maximum value back of up to 6% on hotels and 3% on flights booked through the platform.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: MakeMyTrip ICICI Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, MakeMyTrip ICICI Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between MakeMyTrip ICICI Bank Credit Card and Amazon Pay ICICI Bank Credit Card?
MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999, while Amazon Pay ICICI Bank Credit Card has no annual fee. MakeMyTrip ICICI Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: MakeMyTrip ICICI Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
MakeMyTrip ICICI Bank Credit Card offers a base reward rate of 1% with accelerated rewards on MMT Hotels and MMT Flights/Cabs. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both MakeMyTrip ICICI Bank Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. MakeMyTrip ICICI Bank Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: MakeMyTrip ICICI Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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