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Feature	ICICI Bank Amazon Pay ICICI Bank Credit Card	Indian Overseas Bank IOB ZET Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	ICICI Bank	Indian Overseas Bank
Network	Visa	RuPay
Annual fee	Lifetime free	Lifetime free
Annual fee waiver	Not required	Not required
Base reward rate	1%	0%
Limits and access Check caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Not eligible	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	2.0%	2.5%
Monthly income requirement	Approx. ₹20,000/month salaried · ₹30,000/month self-employed	Fixed-deposit backed
Terms verified	14 Sept 2026	24 Sept 2026
Best suited to	Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance.	Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.
Main trade-off	The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only.	The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	ICICI BankAmazon Pay ICICI Bank Credit Card Entry · Visa	Indian Overseas BankIOB ZET Credit Card Entry · RuPay
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	ICICI Bank	Indian Overseas Bank
Network	Visa	RuPay
Annual fee	Lifetime free	Lifetime free
Annual fee waiver	Not required	Not required
Base reward rate	1%	0%
Limits and accessCheck caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Not eligible	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	2.0%	2.5%
Monthly income requirement	Approx. ₹20,000/month salaried · ₹30,000/month self-employed	Fixed-deposit backed
Terms verified	14 Sept 2026	24 Sept 2026

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Amazon Pay ICICI Bank Credit Card

Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance.

Main trade-off

The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only.

Full analysis →Apply ↗

IOB ZET Credit Card

Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.

Main trade-off

The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.

Full analysis →Apply ↗