Vyaya
Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs Apollo SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
View Full Details

SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardApollo SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyAmazon Pay BalanceReward Points
NetworkVisaMastercard
Editor Rating9.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or Apollo SBI Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Amazon Pay ICICI Bank Credit Card and Apollo SBI Card?
Amazon Pay ICICI Bank Credit Card has no annual fee, while Apollo SBI Card has an annual fee of ₹499. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or Apollo SBI Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Amazon Pay ICICI Bank Credit Card or Apollo SBI Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Amazon Pay ICICI Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardApollo SBI Card vs Axis Bank - Flipkart Axis Bank Credit CardAmazon Pay ICICI Bank Credit Card vs Axis Bank Aura Credit CardApollo SBI Card vs Axis Bank Aura Credit CardAmazon Pay ICICI Bank Credit Card vs SBI Card PULSEApollo SBI Card vs SBI Card PULSE

Explore More

Amazon Pay ICICI Bank Credit Card Full ReviewApollo SBI Card Full ReviewAll ICICI Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips