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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.
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Last updated: 21 July 2026

Both Amazon Pay ICICI Bank Credit Card and Cashback SBI Credit Card suit shopping-focused spenders, but they earn and cost differently. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle. Amazon Pay ICICI Bank Credit Card also brings perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers. If shopping spending matters more, go with Amazon Pay ICICI Bank Credit Card; if utilities is the priority, Cashback SBI Credit Card fits better.

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

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹999 + GST
Renewal FeeLifetime Free
Renewal Fee₹999 + GST
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverAnnual fee is reversed if annual spends in the previous year are Rs. 2,00,000 or more.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.5% + GST
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.75% per month (45% per annum)

Rewards & Benefits

Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Welcome BonusNo specific welcome benefits or joining perks are listed for this card.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards Rate5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNot applicable

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges2.5% of the amount withdrawn or a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

Cashback SBI Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

Who is it for?

The Cashback SBI Card is an entry-level cashback credit card that delivers straightforward savings on everyday spending with 5% cashback on online transactions and 1% on offline spends. It pairs flat cashback with a fuel surcharge waiver and a spend-based annual fee waiver, making it ideal for users who want direct, easy-to-track benefits without managing points. Best suited for regular shoppers and online spenders who can meet the Rs. 2 lakh annual spend threshold, this card simplifies rewards while offering global acceptance and contactless convenience.

Pros

Key benefits and features.

Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.

Lifetime free with no joining or annual fees, offering significant long-term value.

Unlimited cashback with no maximum capping on the Amazon Pay balance earned.

Reward points are automatically credited as Amazon Pay balance and have no expiry date.

Low international forex mark-up at 1.99% makes international spends more economical.

Pros

Key benefits and features.

Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.

High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.

Strong option for online spending compared to other cashback cards with simple auto-credit.

Contactless payment facility available for quick and secure low-value transactions.

Global acceptance in over 24 million outlets ensures usability during travel and shopping.

Cons

Key drawbacks and limitations.

Primarily focused on Amazon shopping, limiting benefits for other spending categories.

Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.

Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.

The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.

Cons

Key drawbacks and limitations.

Several categories are excluded from cashback eligibility, limiting earnings on key spends.

Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.

Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.

No instant discounts during online sales, reducing appeal during promotional shopping periods.

Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)Apply for Cashback SBI Credit Card(opens in new tab)