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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs SBI Card ELITE

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 ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardSBI Card ELITE
Annual FeeFree₹4,999
Joining FeeFree₹4,999
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate1%0.5%
Reward CurrencyAmazon Pay BalanceSBI Reward Points
NetworkVisaVisa
Editor Rating9.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

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

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or SBI Card ELITE?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card ELITE 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 ELITE?
Amazon Pay ICICI Bank Credit Card has no annual fee, while SBI Card ELITE has an annual fee of ₹4,999. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or SBI Card ELITE?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and SBI Card ELITE 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 ELITE?
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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