Amazon Pay ICICI Bank Credit Card vs Scapia Federal Bank Credit Card
How Amazon Pay ICICI Bank Credit Card and Scapia Federal Bank 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
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Nil — lifetime-free |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | Travellers who want zero forex markup and lounge access at no annual fee. |
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
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
Amazon Pay ICICI Bank Credit Card vs Scapia Federal Bank 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. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. 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 Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
Amazon Pay ICICI Bank Credit Card: Nil — lifetime-free. Scapia Federal Bank Credit Card: Nil — lifetime-free. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
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.