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Amazon Pay ICICI Bank Credit Card vs Cashback SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Cashback SBI Credit Card
Cashback SBI Credit Card

Fees & Charges

Joining Fee
Nil
₹999 + GST
Renewal Fee
Nil
₹999 + GST
Spend Based Waiver
Not Applicable
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Foreign Transaction Fees
1.99%
3.5% of the international transaction value.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (45% per annum) on outstanding balance.

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
Not Applicable
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Reward Type
Cashback
Cashback
Reward Redemption Fee
NIL
₹99 per redemption transaction.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.

Amazon Pay ICICI Bank Credit Card

Cashback SBI Credit Card

Who is it for?

Who is it for?

Pros

Key benefits and features.

A lifetime-free credit card with no joining or annual maintenance fees for cardholders.

Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.

Cashback is automatically credited as Amazon Pay balance with no manual redemption required.

Rewards never expire and there is no maximum capping on the total cashback you can earn.

Competitive foreign currency markup of only 1.99% compared to the standard market rates.

Pros

Key benefits and features.

Benefit from a straightforward 5% cashback on online spends and 1% on offline transactions.

Enjoy a generous monthly cashback cap of Rs. 5,000, offering substantial savings potential.

Excellent choice for online shoppers due to high cashback rates and no merchant restrictions.

Cons

Key drawbacks and limitations.

Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.

Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.

The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.

No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.

Cons

Key drawbacks and limitations.

Cashback is not applicable on several common spending categories including utilities and fuel.

The Rs. 2 Lakh annual spend for fee waiver can be difficult for some, given many excluded categories.

The card no longer offers complimentary lounge access, a popular benefit for many users.

Lack of instant discounts during major online sales may be a drawback for certain shoppers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.