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Amazon Pay ICICI Credit Card Vs. Bank of Baroda Snapdeal Credit Card

Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card

Bank of Baroda Snapdeal Credit Card

Bank of Baroda Snapdeal Credit Card

Comparison of Amazon Pay ICICI Credit Card and Bank of Baroda Snapdeal Credit Card

Feature
Amazon Pay ICICI Credit Card
Bank of Baroda Snapdeal Credit Card
Annual Fee
₹0
₹249 + GST
Joining Fee
₹0
₹249 + GST
Welcome Benefits
Amazon Pay ICICI Credit Card is entirely free for life. There are no hidden charges for card issuance or annual maintenance,
Receive a ₹500 Snapdeal shopping voucher on first card usage within 30 days of card issuance.
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • Prime Member Rewards
  • Partner Merchant Cashback
  • Lifetime Free Card
  • Fuel Surcharge Waiver
  • Culinary Treats Programme
  • Accelerated Cashback
  • Online Shopping Rewards
  • Standard Rewards
  • Welcome Benefit
  • Fuel Surcharge Waiver
  • Low Annual Fee
  • Smart EMI Option
Dos
  • Use the card for Amazon purchases to maximise 5% or 3% cashback
  • Pay the credit card bill on time to maintain a good credit score
  • Utilise Amazon Pay at partner merchants to earn 2% cashback
  • Set up auto-debit for bill payments to avoid late fees
  • Keep the card secure and use contactless payments when possible
  • Use the card on Snapdeal for all purchases to earn 5% unlimited cashback.
  • Complete the first transaction within 30 days to claim the ₹500 Snapdeal welcome voucher.
  • Use the card for online shopping, groceries, and departmental stores to earn 10 reward points per ₹100.
  • Pay the full outstanding balance before the due date to avoid finance charges.
  • Keep fuel transactions between ₹400 and ₹5,000 to benefit from the 1% surcharge waiver.
Don'ts
  • Avoid overspending beyond repayment capacity
  • Do not miss even the minimum payment due
  • Ignore transaction alerts; they help detect fraudulent activity
  • Share card details or OTPs with untrusted sources
  • Use the card for cash advances unless absolutely necessary
  • Avoid cash advances unless necessary, as a 2.5% fee and immediate finance charges apply from the withdrawal date.
  • Do not miss the 30-day window for the welcome voucher or the 60-day window for the 500 bonus reward points.
  • Do not expect uncapped 10x rewards on online shopping and groceries, this rate is capped at 2,000 reward points per statement cycle.
  • Do not rely solely on the minimum amount due payment, as finance charges of 3.49% per month apply on the remaining balance.
  • Avoid unnecessary foreign currency transactions, as a 3.5% forex markup fee applies.

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