Amazon Pay ICICI Bank Credit Card VS Cashback SBI Credit Card VS Flipkart Axis Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Cashback SBI Credit Card
Flipkart Axis Bank Credit Card
Who is it for?
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.
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.
Pros
Key benefits and features.
Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.
Cashback is directly credited to your statement, simplifying the redemption process.
Enjoy unlimited cashback on preferred partners and most other eligible card spends.
Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.
Provides a beneficial 1% fuel surcharge waiver at all stations across India.
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.
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.
Cons
Key drawbacks and limitations.
Offers relatively low 1% cashback on most offline shopping and general spends.
The card currently does not provide any complimentary insurance benefits to cardholders.
High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.
Welcome benefits for new cardholders have seen a reduction from previous offers.
Reports suggest some users face challenges with voucher redemption and card cancellations.