Annual Fee
Free
Free
Joining Fee
Free
Free
Fee Waiver Spend
N/A
N/A
Forex Markup
1.99%
0%
Card Comparison
Amazon Pay ICICI vs Scapia
The key difference: 2% effective rate vs 1%. Amazon Pay ICICI vs Scapiacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Quick take
How they compare
Amazon Pay ICICI and Scapiasuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
Amazon Pay ICICI
- Annual fee
- Free
- Everyday rate
- 1%
- Monthly cap
- No cap
Notable strengths
- Bonus rewards on Amazon (up to 5%)
- Direct cashback — nothing to redeem
- No monthly reward cap
Scapia
- Annual fee
- Free
- Everyday rate
- 2%
- Monthly cap
- No cap
Notable strengths
- No monthly reward cap
- Low forex markup (0%)
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
53 specs · 14 sections
Amazon Pay ICICI Bank
Scapia
Feature
Amazon Pay ICICI Bank
Scapia
Reward Type
Cashback
Reward Points
Base Rate
1%
2%
Online Rate
1%
2%
Offline Rate
1%
2%
Effective Base Rate
1%
2%
Point Value
₹1
₹0.2
Redemption Quality
HIGH
MEDIUM
Best Redemption
₹1
₹0.2
Worst Redemption
₹1
₹0.2
Amazon
5%
—
Amazon Pay Partners
2%
—
Grocery / Supermarkets
1%
2%
Fuel / Petrol / Diesel / CNG
0% (Excluded)
2%
Restaurants / Dine-in
1%
2%
Flights, Hotels, OTAs, Tour Operators
1%
2%
Other Retail / Catch-all
1%
2%
Monthly Cap
No cap
No cap
Est. Annual Cap
No cap
No cap
Total Excluded
8 categories
2 categories
Fuel / Petrol / Diesel / CNG
Excluded
Earns rewards
Electricity, Water, Gas, Internet, DTH, Mobile Recharge
Excluded
Earns rewards
Education / School / College Fees
Excluded
Earns rewards
Government / Tax Payments
Excluded
Earns rewards
Domestic Visits/Year
None
-1
International Visits/Year
None
None
Priority Pass
No
No
Est. Annual Value
—
₹5,280
Forex Markup
1.99%
0%
International Rate
No
Yes
Description
—
—
Estimated Value
—
—
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
Online Shopping, Amazon
Travel, Shopping
Min Income
₹20,000/month
Not specified
Income Proof
Required
Not required
Secured FD
No
No
Accepting Applications
Yes
No
Network
Visa
Visa, RuPay
Card Tier
Entry
Entry
Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)
2% surcharge
None
Third-party wallet loads > ₹5,000
1% surcharge
None
Transport > ₹50,000
1% surcharge
None
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Frequently asked questions
- What are the annual fees for Amazon Pay ICICI Bank Credit Card and Scapia Credit Card?
- Amazon Pay ICICI Bank Credit Card has no annual fee. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- Amazon Pay ICICI Bank Credit Card earns about 1% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.
- What is the forex markup on each card?
- Amazon Pay ICICI Bank Credit Card: 1.99%. Scapia Credit Card: 0% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: ICICI Bank - Amazon Pay ICICI · Federal Bank - Scapia