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Comparison · हिन्दी

Amazon Pay ICICI vs SBI Cashback

Both cards compared on real rupee returns for best online cashback credit card India Amazon vs SBI. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
ICICI
AMAZON PAY ICI
ASHOK KUMAR
VS
SBI
CASHBACK
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
SBI Cashback wins with ₹7,401 annual benefit versus Amazon Pay ICICI's ₹2,520, delivering nearly 3x more value despite its annual fee, making it the superior choice for this spend profile.
Side-by-side comparison
Amazon Pay ICICI Credit Card SBI Cashback Credit Card ✓
Annual benefit ₹2,520 ₹7,401
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹999 + taxes (waived on ₹2L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99% 3.5%
Best for Amazon Prime members Flat 5% on all online spends up to ₹40,000/month
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹4L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 700+
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When each card wins
Amazon Pay ICICI Credit Card
Amazon Pay ICICI suits committed Amazon Prime members with primarily marketplace shopping, where 5% rewards on large Amazon purchases offset the lack of utility cashback benefits.
SBI Cashback Credit Card
SBI Cashback excels for balanced spenders with significant online purchases (shopping + dining), as its 5% online cap generates substantial returns that outweigh the ₹999 annual fee.
Who should get which card
Get Amazon Pay ICICI if you…
· Primarily shop on Amazon with Prime membership
· Prefer lifetime-free card with no annual commitment
· Minimal online spend outside Amazon ecosystem
Get SBI Cashback if you…
· Make ₹40,000+ monthly online purchases (shopping + dining)
· Value flat 5% cashback on all online transactions
· Easily cross ₹2L annual spend for fee waiver
· Seek maximum rewards despite annual fee structure
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
Amazon Pay ICICI Credit Card has an annual fee of Lifetime free. SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend).
Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon. SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month.
Amazon Pay ICICI Credit Card lounge access: No. SBI Cashback Credit Card lounge access: No.
Amazon Pay ICICI Credit Card charges 1.99% forex markup. SBI Cashback Credit Card charges 3.5% forex markup.