ICICI

Amazon Pay

No annual fee · 1.99% forex markup.

Strong for lounge access (0/year) and no annual fee · Weak for high forex (1.99%) and low base rewards (~1%)

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Good for

  • Fee-sensitive users
  • Airport lounge users

Not ideal for

  • International spenders
  • Rewards-focused users

Spend context

  • Estimated monthly rewards: ~₹500/month (base rewards)
  • Forex cost ~₹1,000 per ₹50k international spend

Approximate, based on base rates and current snapshot.

Annual fee
₹0
No annual fee on file.
Lounge
None (domestic)
Forex
1.99%
Not a low-forex card (2%).
Reward rate
1 pts/₹100
Near median base earn (~1%).

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Lounge Access

Domestic visits
None
International visits
Not included

International Use

Forex markup
1.99%

Fees

Annual fee
₹0
Joining fee
₹0

Rewards

Points per ₹100
1 pts
Point value
₹1
Effective earn
1% (at stated point value)

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