Amazon Pay ICICI Bank Credit Card vs RBL Bank Cookies Credit Card
How Amazon Pay ICICI Bank Credit Card and RBL Bank Cookies Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Amazon Pay ICICI Bank Credit Card is lifetime-free, while RBL Bank Cookies Credit Card carries a fee (₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.). If you won't reliably hit RBL Bank Cookies Credit Card's waiver spend, Amazon Pay ICICI Bank Credit Card is the cheaper card to keep.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
RBL Bank Cookies Credit Card — better for first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | RBL Bank Cookies Credit CardRBL Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 5 Reward Points per ₹100 online, 1 RP per ₹100 offline on eligible categories; 1 RP = approx ₹0.20-0.25 (official page states up to ₹0.20, aggregators cite ₹0.25); ₹99 + GST redemption fee. |
| Lifetime-free | Yes | No |
| Network | Visa | Visa |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required). |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | First-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on Zomato, Uber and Myntra and want simple 10% app cashback. |
Amazon Pay ICICI Bank Credit Card
- Lifetime-free — no joining or annual fee, ever
- 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
- No reward cap; cashback credited as Amazon Pay balance
RBL Bank Cookies Credit Card
- 10% cashback on Zomato, Uber and Myntra (cap ₹300/brand, ₹900/month total)
- 10% instant discount up to ₹300/month on BookMyShow movie tickets (once a month)
- Fuel surcharge waiver on fuel spends ₹500-4,000 (cap ₹150/month)
Amazon Pay ICICI Bank Credit Card vs RBL Bank Cookies Credit Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. RBL Bank Cookies Credit Card suits first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Amazon Pay ICICI Bank Credit Card is lifetime-free, while RBL Bank Cookies Credit Card carries a fee (₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.). If you won't reliably hit RBL Bank Cookies Credit Card's waiver spend, Amazon Pay ICICI Bank Credit Card is the cheaper card to keep. On rewards, Amazon Pay ICICI Bank Credit Card gives 5% back on amazon for prime members (3% non-prime), with no annual fee, ever. whereas RBL Bank Cookies Credit Card gives 10% cashback on zomato, uber and myntra, capped at ₹300 per brand and ₹900 total per calendar month (min ₹100/txn).
Amazon Pay ICICI Bank Credit Card is lifetime-free (no fee, ever), while RBL Bank Cookies Credit Card charges ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.