ICICI Bank
Best valueAmazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
5% on Amazon (Prime)
Annual fee
Lifetime free
HDFC Bank · Visa
HDFC MoneyBack+
Low-fee starter card with 10x CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹500 + GST, renewal ₹500 + GST.
- Annual fee waives once you spend ₹50,000 in a card year.
- Headline earn rate: 10x on select merchants.
- No complimentary airport lounge access on this card.
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