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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs CASHBACK 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
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SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardCASHBACK SBI Card
Annual FeeFree₹999
Joining FeeFree₹999
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate1%1%
Reward CurrencyAmazon Pay BalanceCashback
NetworkVisaVisa
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

CASHBACK SBI Card

  • 0% on Online Spends

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

Our Verdict

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

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, CASHBACK 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 CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card has no annual fee, while CASHBACK SBI Card has an annual fee of ₹999. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. CASHBACK SBI Card offers 1% base rewards with bonuses on Online Spends. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and CASHBACK 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 CASHBACK 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.

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