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
Standard Chartered · Visa
Standard Chartered Smart
Flat 2% cashback online and 1% offline as statement credit, with no category rules.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹499 + GST, renewal ₹499 + GST.
- Annual fee waives once you spend ₹1,00,000 in a card year.
- Headline earn rate: 2% on online spend.
- No complimentary airport lounge access on this card.
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10x on partner sites
Annual fee
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American Express
Data verifiedAmerican Express SmartEarn
10x points on Amazon, Flipkart, Swiggy, Zomato and Uber at the lowest Amex fee.
10x on select partners
Annual fee
₹495 + GST
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