Check below for a comparison between the ICICI Amazon Pay vs Paytm HDFC Credit Card or Paytm HDFC vs ICICI Amazon Pay credit card and find which is better –
In the evolving landscape of digital finance, choosing the right credit card becomes a strategic decision, and the comparison between the ICICI Amazon Pay Credit Card and the Paytm HDFC Credit Card takes centre stage.
The ICICI Amazon Pay Credit Card, crafted in collaboration with the e-commerce giant, offers tailored benefits such as exclusive cashback and rewards on Amazon transactions, making it an appealing choice for frequent online shoppers.
Conversely, the Paytm HDFC Credit Card focuses on the digital payment ecosystem, providing cashback and rewards on Paytm transactions and associated spending.
This comprehensive analysis delves into the distinctive features of each card, empowering users to make an informed decision based on their specific spending patterns and digital payment preferences.
Whether you prioritize specialized rewards for Amazon transactions or seek benefits within the Paytm ecosystem, understanding the nuanced attributes of these credit cards will guide you toward the one that seamlessly aligns with your financial goals and digital lifestyle.
Table of Contents
Overview of ICICI Amazon Pay credit card
Positioned as a cashback card, the Amazon Pay ICICI Credit Card delivers a lucrative 5% cash back for Prime users when utilizing the Amazon shopping app.
Complementing this, it extends a 1% cashback benefit for online and offline spending, making it a versatile and no-cost credit card for life.
Tailored for online shopping enthusiasts, the Amazon Pay ICICI Credit Card is an introductory co-branded credit card designed to meet the needs of Amazon shoppers.
With a heightened reward rate for Amazon transactions, this basic credit card is ideal for those who prioritize simplicity over additional benefits.
Overview of Paytm HDFC credit card
Extending a warm welcome to its clientele through the premium Paytm First Membership, this card offers a range of exclusive benefits and enticing deals within the Paytm app.
Users can pocket a cashback of 2%-3% on purchases made on the Paytm platform and 1% on expenditures outside the Paytm realm.
Moreover, achieving designated spending goals can unlock an additional cashback of up to Rs. 1,200 annually. Delving into the financial aspect, the card is associated with an annual fee of Rs. 500.
ICICI Amazon Pay vs Paytm HDFC Credit Card
| Features/Charges | Amazon Pay ICICI Credit Card | Paytm HDFC Credit Card |
|---|---|---|
| Joining Fees | NIL | Rs. 49 + Taxes |
| Annual Fees | NIL | Rs. 49 + Taxes |
| Welcome Benefits | Get a welcome gift in the form of Amazon Pay Balance, ranging from Rs300 to Rs600. | Enjoy a 3% cashback on Paytm Mall, Paytm Movies, and Mini App transactions, complemented by a 2% cashback on various Paytm app purchases. Additionally, you’ll earn a 1% cashback on all remaining expenditures using this credit card. |
| Cashback / Rewards point | Avail a 5% cashback as a Prime member, a 3% cashback as a non-Prime user, and a 1% cashback on all other transactions. | Get a 3% cashback on transactions at Paytm Mall, Paytm Movies, and the Mini App, coupled with a 2% cashback on additional purchases through the Paytm app. Furthermore, receive a 1% cashback on all other expenses when utilizing this credit card. |
| Dining benefits | Take advantage of the ‘Culinary Treats program’ benefits with this card, ensuring a 15% discount at participating restaurants. | Benefit from reductions of up to 20%. |
| Travel benefits | N/A | N/A |
| Annual fees waiver | N/A | If your monthly spending reaches Rs. 5,000 or exceeds it, the Rs. 50 monthly fee is automatically canceled. |
| Fuel surcharge waiver | Experience the advantage of a 1% fuel surcharge waiver with this card at all fuel pumps nationwide. | For every fuel transaction, the 1% fuel surcharge is not applicable |
