Best credit Card For 2020. Which credit card is best in India 2020?

Well I am answering this after my experience with 3 Major Banks Credit cards namely ICICI, SBI, and HDFC.

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I have not used other Cards of other Banks, but I can surely say in terms of Benefits the below card is undoubtedly the BEST credit card in India 2020.

Amazon Pay ICICI Credit card

Firstly, It is lifetime free for eligible users.

Secondly, Well simply because of the straight forward benefits it offers. Most cards have some overly unique or complex reward scheme, like Platinum, Coral ICICI transfers the reward point into payback account, which you need to claim after accumulating certain points or buy foolish non useful stuff from payback site.

Your scope of utilizing the reward points is limited, the process is complex and you pay some kind of charges too at the time of redemption. The rewards boils down to 0.25- 0.50 % of transaction amount plus some redemption charges

Unlike the above Amazon Pay ICICI Credit card directly credits all your reward points in the form of amazon pay money balance and not after some ages, but instantly on the day of your credit card bill generation.

Also the rewards are as low as 1% of transaction amount and as high as 5% ( Yes it is 5% and this is not a typo), with no other charges. Simple straight forward credit of rewards as amazon pay money into your amazon pay account.

Now the fun begins, you can actually make use of this amount for something worthwhile. You may pay postpaid bills, electricity bills, DTH bills, recharges and a plethora of stuff to pay via amazon. Alternatively you may buy something actually useful from amazon like a Mobile phone, Books, clothes etc.

Yes you don't get lounge access, free movie tickets, but come on, if I spent ₹50000 on credit card monthly i get back minimum ₹ 500 back to use for something useful, isn't better than other useless things.

Amazon Pay Credit Card Benefits & Features

• Amazon Pay ICICI Bank Credit Card Benefits:
• No joining fee or annual fee
• No limit to the earnings from this card
• No expiry date for your earnings
• Earnings can be used for purchasing 10 crore+ products at Amazon.in and at 100+ partner merchants.

Amazon Pay ICICI Bank Credit Card Features:

• Earn 5% back on Amazon.in for Amazon Prime customers*
• Earn 3% back on Amazon.in for non-prime customers*
• Earn 2% back on 100+ Amazon Pay partner merchants by using this card on Amazon Pay *
• Earn 1% back on other payments*

Get More details on the Official Amazon Site HERE.

Thus, Its safe to say that Amazon Credit Card is the way to go for Credit Card in 2020.

Related To Amazon Credit Card:

• Amazon credit card eligibility
• amazon credit card application status
• amazon credit card benefits
• amazon pay icici credit card eligibility
• amazon pay icici credit card limit
• amazon icici credit card eligibility
• amazon pay icici credit card review
• who can apply for an amazon pay icici bank credit card?

Review of Amazon credit card in 2020:

Amazon Pay ICICI credit card is awesome. I know someone who has been using it, and she loves it. But if it is worth it for you depends on your lifestyle. Let me elaborate.

Amazon Pay ICICI credit card is specially designed for Amazon customers. If you are an Amazon Prime member, then you get a 5% cashback on every purchase. If you are a non-prime Amazon member, then the cashback is limited to only 3%.

Moreover, you earn a cashback of 2% at 100+ Amazon Pay partner merchants. This is only if you use Amazon Pay as the payment method. You get a cashback of 1% on every other payment done using Amazon Pay.

Let me ask one question in return, are you an Amazon customer?

The card only makes sense if you use Amazon for most of your online shopping needs. It is superb, it has many cashback benefits and discounts, along with zero joining fee, and reward points with no limits or expiry dates.

Other miscellaneous benefits include 2% reward points on movie tickets and food orders, and 1% reward points on all non-EMI purchases. There are, however, no fuel surcharge waiver or airport lounge access benefits. Of course, you can always earn more rewards using apps like CRED to pay your credit card bills.

I would suggest you should get this only if you are an Amazon customer.

There is a counterpart to this: Flipkart Axis Bank credit card. If you use Flipkart more than Amazon, then you should consider this credit card as it offers 5% cashback on Flipkart as well as Myntra, MakeMyTrip, UrbanClap, etc.

If you think you are going to utilise the benefits of the card, then it is more than worth it for you.