Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card vs Cashback SBI Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
NIL / Lifetime Free
Rs. 500 + GST
Rs. 999 + Taxes/GST
Renewal Fee
NIL / Lifetime Free
Rs. 500 + GST from the 2nd year onwards
Rs. 999 + Taxes/GST
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
Annual fee waived on annual spends greater than Rs. 3,50,000 (excluding rent/wallet loads).
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
3.5% of the international transaction value.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% per month (45% per annum) on outstanding balance.
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
Not Applicable
Rewards Rate
Up to 5% on Amazon (Prime), 3% (non-Prime); 2% on partners; 1% on other eligible spends.
Earn 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, 1% elsewhere.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil
Nil.
₹99 per redemption transaction.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Not Applicable
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Not Applicable
Movie Benefits
Not Applicable
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel transactions between Rs. 400-4,000, capped at Rs. 400 per month.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of the cash amount, with a minimum of Rs. 500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.