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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs SBI Card AURUM

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
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SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardSBI Card AURUM
Annual FeeFree₹9,999
Joining FeeFree₹9,999
Fee Waiver SpendN/A₹12,00,000
Base Reward Rate1%1%
Reward CurrencyAmazon Pay BalanceAURUM Reward Point
NetworkVisaVisa
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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.

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card AURUM 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 SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or SBI Card AURUM?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card AURUM 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 SBI Card AURUM?
Amazon Pay ICICI Bank Credit Card has no annual fee, while SBI Card AURUM has an annual fee of ₹9,999. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or SBI Card AURUM?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Amazon Pay ICICI Bank Credit Card or SBI Card AURUM?
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.

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