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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.

Features

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

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%
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)
3.75% per month (55.55% 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.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Not Applicable
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
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
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
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
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 at participating restaurants through the ICICI Culinary Treats program.
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 for all fuel purchases across India for transactions up to ₹4,000.
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 the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
2.5% of amount (minimum Rs. 500).
2.5% of amount withdrawn or min Rs. 500, whichever is higher.

Amazon Pay ICICI Bank Credit Card

Flipkart Axis Bank Credit Card

Cashback SBI 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.

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.

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.

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.

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.