All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
IndianOil HDFC vs Amazon Pay ICICI
Quick answer
IndianOil HDFC vs Amazon Pay ICICI is a close match. Compare annual fee, top reward rate, lounge access and forex markup — pick the card whose strengths match your spending, and always pay the full bill monthly.
HDFC Bank
IndianOil HDFC
RuPay · Visa
ICICI Bank
Amazon Pay ICICI
Visa
Our pick
It's genuinely a toss-up — it comes down to your spending.
Pick based on the one row that matches how you actually spend.
| Feature | IndianOil HDFC | Amazon Pay ICICI |
|---|---|---|
| Annual fee | ₹500 | Free ✓ |
| Top reward rate | 5% | 5% |
| Lounge visits/yr | 0 | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 43% ✓ | 45% |
| Min income/mo | ₹20,000 | ₹20,000 |