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Comparison · हिन्दी

Flipkart SBI vs Amazon Pay ICICI

Both cards compared on real rupee returns for Flipkart SBI vs Amazon Pay ICICI which shopping credit card is better. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
SBI
FLIPKART SBI
ASHOK KUMAR
VS
ICICI
AMAZON PAY ICI
ASHOK KUMAR
Our verdict
Flipkart SBI Credit Card wins for most people
Card A wins by ₹4,900 annually, delivering ₹8,860 in benefits versus Card B's ₹3,960. Its higher cashback rates on shopping, dining, and travel categories align perfectly with your spend profile, easily overcoming the annual fee.
Side-by-side comparison
Flipkart SBI Credit Card ✓ Amazon Pay ICICI Credit Card
Annual benefit ₹8,860 ₹3,960
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend) Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 7.5% cashback on Myntra, 5% on Flipkart (including Shopsy and Flipkart Travel) and Cleartrip, 4% at Zomato, Uber, PVR and Netmeds, 1% on everything else; each accelerated group is capped at ₹4,000 cashback a quarter; credited straight to your statement 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
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 1.99%
Best for Regular Flipkart, Myntra and Cleartrip shoppers who also order on Zomato or ride Uber, and want automatic cashback instead of points Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Flipkart SBI Credit Card
Choose Card A if you shop regularly on Flipkart/Myntra, dine at Zomato, or book travel via Cleartrip. The accelerated cashback rates in these categories significantly exceed Card B's flat 1-2% returns.
Amazon Pay ICICI Credit Card
Choose Card B only if you're an Amazon Prime member making most purchases on Amazon and rarely use dining, travel, or fuel services. Its lifetime-free status appeals to minimal spenders.
Who should get which card
Get Flipkart SBI if you…
· ₹4,900 higher annual benefit despite ₹500 annual fee
· 7.5% cashback on Myntra, 5% on Flipkart—best-in-class rates
· Rewards dining (4% at Zomato) and travel (5% on Cleartrip)
· Fee waived at ₹3.5L annual spend—easily achievable with your profile
Get Amazon Pay ICICI if you…
· Lifetime free—no annual fee burden
· 5% on Amazon for Prime members only
· Simplest option for Amazon-exclusive shoppers
· No quarterly caps or category restrictions
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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Related guides
Amazon Pay ICICI vs Axis Flipkart →Flipkart SBI vs SBI SimplyCLICK →Amazon Pay ICICI vs HDFC Millennia →Paytm SBI vs Amazon Pay ICICI →Best Shopping Credit Cards →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, Flipkart SBI Credit Card offers better annual returns for most spend profiles.
Flipkart SBI Credit Card has an annual fee of ₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend). Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
Flipkart SBI Credit Card offers 7.5% cashback on Myntra, 5% on Flipkart (including Shopsy and Flipkart Travel) and Cleartrip, 4% at Zomato, Uber, PVR and Netmeds, 1% on everything else; each accelerated group is capped at ₹4,000 cashback a quarter; credited straight to your statement. 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.
Flipkart SBI Credit Card lounge access: None. Amazon Pay ICICI Credit Card lounge access: No.
Flipkart SBI Credit Card charges 3.5% forex markup. Amazon Pay ICICI Credit Card charges 1.99% forex markup.