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Comparison · हिन्दी

Paytm SBI Card vs Amazon Pay ICICI

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

Last updated: · Based on current card terms
SBI
PAYTM SBI
ASHOK KUMAR
VS
ICICI
AMAZON PAY ICI
ASHOK KUMAR
Our verdict
Amazon Pay ICICI Credit Card wins for most people
Amazon Pay ICICI wins with ₹2,160 annual benefit versus Paytm SBI Card's ₹1,541, delivering ₹619 more value despite different reward structures and fee models.
Side-by-side comparison
Paytm SBI Credit Card Amazon Pay ICICI Credit Card ✓
Annual benefit ₹1,541 ₹2,160
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,00,000/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 → 3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends 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 → 4 domestic visits/year (1 per quarter) 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 Paytm app users wanting cashback on travel, movies and online shopping via Paytm Amazon Prime members
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/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+
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Apply now ↗ Full review →
When each card wins
Paytm SBI Credit Card
Paytm SBI Card suits users who spend heavily on Paytm Mall, movies, and travel bookings through the Paytm app, where 3% cashback significantly boosts rewards over general spends.
Amazon Pay ICICI Credit Card
Amazon Pay ICICI excels for Amazon Prime members with regular shopping habits, offering 5% cashback on purchases plus lifetime free status, maximizing value across your spend profile.
Who should get which card
Get Paytm SBI if you…
· Frequent Paytm Mall and Paytm app users
· Those booking travel and movies via Paytm
· Spenders crossing ₹1,00,000/year to waive fees
Get Amazon Pay ICICI if you…
· Amazon Prime members with regular shopping
· Prefer lifetime free card with no annual fee
· Benefit from 5% cashback on Amazon purchases
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, Amazon Pay ICICI Credit Card offers better annual returns for most spend profiles.
Paytm SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend). Amazon Pay ICICI Credit Card has an annual fee of Lifetime free.
Paytm SBI Credit Card offers 3% cashback on Paytm Mall, movies and travel via Paytm; 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 Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon.
Paytm SBI Credit Card lounge access: 4 domestic visits/year (1 per quarter). Amazon Pay ICICI Credit Card lounge access: No.
Paytm SBI Credit Card charges 3.5% forex markup. Amazon Pay ICICI Credit Card charges 1.99% forex markup.