Amazon Pay ICICI vs Edge+ CSB Bank RuPay Credit Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Amazon Pay ICICI and Edge+ CSB Bank RuPay Credit Card differ first on recurring cost: Amazon Pay ICICI has an annual fee of ₹0 against ₹0 for Edge+ CSB Bank RuPay Credit Card, so holding cost is identical. On rewards, Amazon Pay ICICI earns 1% in Amazon Pay balance while Edge+ CSB Bank RuPay Credit Card earns 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back). Amazon Pay ICICI has the lower forex markup at 1.99%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
| Feature | Amazon Pay ICICI | Edge+ CSB Bank RuPay Credit Card |
|---|---|---|
| Issuer | ICICI Bank | CSB Bank (via Jupiter) |
| Joining fee | ₹0 | ₹999 + GST |
| Annual fee | ₹0 | ₹0 |
| Fee waiver | No waiver recorded | No waiver recorded |
| Base rewards | 1% in Amazon Pay balance | 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back) |
| Accelerated routes | Amazon (Prime members) · Amazon (non-Prime) · Amazon Pay partner merchants | 50 Jewels per ₹100 on the selected shopping category, capped at 10,000 Jewels per billing cycle · 25 Jewels per ₹100 on Jupiter Flights, capped at 5,000 Jewels per billing cycle |
| Reward exclusions | fuel, rent, gift cards, wallet load | fuel, rent, gift cards, grocery, utility, subscriptions |
| Forex markup | 1.99% | 3.5% |
| Domestic lounge | none | none |
| International lounge | none | none |
| Card networks | Visa, RuPay | RuPay |
| Best suited to | amazon, cashback, first card, lifetime free | upi credit, online shopping, lifetime free |
| Issuer evidence | Checked 2026-07-16 | Checked 2026-08-04 |
Frequently asked questions
Is the Amazon Pay ICICI better than the Edge+ CSB Bank RuPay Credit Card?
Neither is universally better. Amazon Pay ICICI charges ₹0 a year and earns 1% in Amazon Pay balance; Edge+ CSB Bank RuPay Credit Card charges ₹0 and earns 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back). The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Amazon Pay ICICI or Edge+ CSB Bank RuPay Credit Card?
Both cards carry the same recorded annual fee of ₹0, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, Amazon Pay ICICI or Edge+ CSB Bank RuPay Credit Card?
Amazon Pay ICICI publishes the lower forex markup at 1.99% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.