Choosing a credit card has become very challenging because so many credit cards in the market offer unique features. Those individuals who do not have credit card knowledge always remain confused about which credit card to take as per their needs. Some credit cards provide more cashback and some that charge lower fees. Amazon Pay ICICI Credit Card is famous for its cashback and no annual fee and One Card Credit Card is famous for its unique design and no reward redemption fee. If you want to take any of these two credit cards, then it is very important to know which of these two credit cards is the best.
Overview of OneCard Credit Card
- Get 2 reward points for every Rs 100 spent
- Value of 1 reward point = 10 paisa
- Get 5 times the rewards on your top 2 spending categories each month.
- There is no upper limit on reward points earned
- Reward points will never expire
- Get points on EMI transactions
- Replacement Charges
- Metal Card – Rs 3,000
- Plastic Card – Rs 145
- Reward points will not accrue for :
- Money Transfers
- Rent Payments
- Cash Withdrawals
- Digital Wallet Loading
- Top-up Transactions
Overview of Amazon Pay ICICI Credit Card
- No joining fee or annual fee
- No limit or expiry date on the rewards earned using this card
- No cost EMI – 3&6 months on amazon.in
- Value of 1 reward point – Rs 1
- 5% Cashback on Amazon purchases if you’re a Prime member of Amazon
- 3% Cashback on Amazon purchases if you’re not a Prime member of Amazon
- Get 2% Cashback on Amazon Pay
- 1% Fuel surcharge waiver
- 1% Cashback on all other expenses
OneCard Credit Card vs Amazon Pay ICICI Credit Card – Fees & Charges
| Particulars | OneCard Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
| Joining Fee | Nil | Nil |
| Annual Fee | Nil | Nil |
| Card Replacement Fee | Rs 3,000 for a metal card. Rs 145 for a plastic card. | Rs 100 |
| Cash Advance Fee | 2.5% | 2.5% or INR 500 (whichever is higher) |
| Finance Charges | 30% – 42% p.a. | 42% – 45.6% p.a. |
| Over Limit Penalty | 2.5% | 2.5% or INR 550 (whichever is higher) |
| Late Payment Charges | 2.5% of the total amount due (Max. Rs. 1,000) | Nil: For outstanding balance less than Rs 100. Rs 100: For outstanding balance between Rs 100 to Rs 500. Rs 500: For outstanding balance between Rs 501 to Rs 5,000. Rs 750: For outstanding balance between Rs 5,001 to Rs 10,000. Rs 900: For outstanding balance between Rs 10,001 to Rs 25,000. Rs 1000: For outstanding balance between Rs 25,001 to Rs 50,000. Rs 1200: For outstanding balance above Rs 50,000. |
OneCard Credit Card vs Amazon Pay ICICI Credit Card – Cashback & Rewards
| Particulars | OneCard Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
| Cashback | 2 reward points for every Rs 100 spent | 5% Cashback on Amazon purchases (if you’re a Prime member) |
| Value of 1 Reward Point | 10 paisa | Rs 1 |
| Upper Limit in Reward Points | No Limit | No Limit |
OneCard Credit Card vs Amazon Pay ICICI Credit Card – Eligibility Criteria
| Particulars | OneCard Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
| Age | Minimum 18 years or above | Above 18 Years |
| CIBIL Score | If the CIBIL score is not up to mark then the Minimum FD of Rs 5,000 is Required | 750+ |
How To Apply for OneCard Credit Card?
Step 1:- Install the OneCard application.
Step 2:- Enter your mobile number and submit OTP.
Step 3:- Now, Set your PIN.
Step 4:- Enter your details (Name, Date of Birth, Gender, Address, PAN).
Step 5:- If you don’t have a OneCard office near you, then you’ll need an FD of Rs 5,000 or more.
How To Apply for Amazon Pay ICICI Credit Card?
Step 1:- Visit ICICI Bank’s official website.
Step 2:- Select “Get Amazon Pay Card” then enter your Aadhaar and PAN details.
Step 3:- Now, enter your details (Name, Date of Birth, Gender, E-mail ID, Occupation, Address and Family Details)
Step 4:- Select an E-mail ID for verification.
Step 5:- The application number will be shown in front of you, copy it and after some time you will get a call from the bank, then after the application is approved, your credit card will be dispatched.
