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
₹500 + GST
₹999 + GST
Renewal Fee
Nil
₹500 + GST
₹999 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Foreign Transaction Fees
1.99% markup on international transactions.
3.5% of transaction value; 1.5% for DCC.
3.5% of the international transaction value.
Interest Rate (APR)
3.75% per month (45% per annum) on ATM withdrawals and if min. due paid.
3.75% per month (55.55% per annum).
3.75% per month (45% per annum) on outstanding balance.
Rewards & Benefits
Welcome Bonus
Up to ₹2,500 in cashback and discounts for Prime/Non-Prime, plus 1-month EazyDiner membership.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Not Applicable
Rewards Rate
Up to 5% cashback on Amazon, 2% on partners, 1% on others. Unlimited & non-expiring.
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil charges for redeeming reward points.
No charges for cashback redemption.
₹99 per redemption transaction.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
Travel Benefits
Up to 5% cashback on flights & hotels booked on Amazon (Prime members), 3% for others.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Not Applicable
Movie Benefits
Not Applicable
Unlimited 4% cashback on PVR movie ticket bookings.
Not Applicable
Dining Benefits
Minimum 15% discount on dining bills at restaurants in the Culinary Treats Programme.
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
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 spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
None explicitly offered.
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, min. ₹500 charge.
2.5% of amount (minimum Rs. 500).
2.5% of amount withdrawn or min Rs. 500, whichever is higher.