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Comparison · हिन्दी

Paytm SBI Card SELECT vs Amazon Pay ICICI

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

Last updated: August 2026 · Based on current card terms
SBI
CARD SELECT
ASHOK KUMAR
VS
ICICI
ASHOK KUMAR
Our verdict
Paytm SBI Card SELECT wins for most people
Card A wins with ₹5,461 annual benefit versus Card B's ₹3,240, despite its ₹1,499 annual fee. The higher cashback rates on shopping and dining make it superior for this spend profile.
Side-by-side comparison
Paytm SBI Card SELECT ✓ Amazon Pay ICICI Credit Card
Annual benefit ₹5,461 ₹3,240
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹2,00,000/year 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 → 5% cashback on Paytm travel, movies and Paytm Mall; 2% on other Paytm app spends; 1% on all other spends 5% on Amazon for Prime members, 3% for non-Prime; 2% on 100+ partners; 1% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year via Priority Pass (2 per quarter) + 2 international visits/year 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% 3.5%
Best for Premium Paytm users wanting the highest cashback on travel and movies via Paytm Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹40,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Paytm SBI Card SELECT
Choose Card A if you spend over ₹2,00,000 annually (fee waived) or actively use Paytm for travel bookings and shopping. The 5% cashback on Paytm Mall and travel maximizes returns on your regular ₹6,000 monthly shopping.
Amazon Pay ICICI Credit Card
Choose Card B if you're an Amazon Prime member with significant Amazon purchases or prefer a no-fee card with simpler rewards. It suits those who don't want annual fee obligations.
Who should get which card
Get Paytm SBI Card SELECT if you…
· Premium Paytm ecosystem users gaining fee waiver at ₹2,00,000+ annual spend
· Shoppers prioritizing 5% cashback on Paytm Mall (₹6,000/month shopping spend)
· Travel bookers maximizing 5% cashback on Paytm flights and hotels
· Best value for your ₹17,000 monthly spend despite the fee
Get Amazon Pay ICICI if you…
· Amazon Prime members with heavy Amazon purchase habits
· Fee-averse users preferring lifetime-free cards
· Those with minimal Paytm ecosystem integration
· Lower-spend individuals unlikely to breach ₹2,00,000 annual threshold
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 →Amazon Pay ICICI vs HDFC Millennia →Paytm SBI vs Amazon Pay ICICI →Amazon Pay ICICI vs SBI Cashback →Best Travel Credit Cards →Best Shopping Credit Cards →Best Cashback Credit Cards →
Frequently asked questions
Based on our analysis, Paytm SBI Card SELECT offers better annual returns for most spend profiles.
Paytm SBI Card SELECT has an annual fee of ₹1,499 + taxes (waived on ₹2,00,000/year spend). Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
Paytm SBI Card SELECT offers 5% cashback on Paytm travel, movies and Paytm Mall; 2% on other Paytm app spends; 1% on all other spends. Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on 100+ partners; 1% on others.
Paytm SBI Card SELECT lounge access: 4 domestic visits/year via Priority Pass (2 per quarter) + 2 international visits/year. Amazon Pay ICICI Credit Card lounge access: No.
Paytm SBI Card SELECT charges 3.5% forex markup. Amazon Pay ICICI Credit Card charges 3.5% forex markup.