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Side-by-Side Comparison|Updated March 2026

Amazon Pay ICICI Bank Credit Card vs SBI Card PULSE

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 PULSE

7.2/10
Annual Fee₹1,499
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAmazon Pay ICICI Bank Credit CardSBI Card PULSE
Annual FeeFree₹1,499
Joining FeeFree₹1,499
Fee Waiver SpendN/A₹2,00,000
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 PULSE

  • 0.62% on Pharmacy & Chemists
  • 0.62% on Dining
  • 0.62% on Movies

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Pros

  • Complimentary Noise ColorFit Pulse Smartwatch worth up to ₹7,999 as a welcome gift.
  • Annual FITPASS PRO and Netmeds First memberships worth over ₹4,000.
  • High 2.5% reward rate (10 RP per ₹100) on pharmacies, chemists, dining, and movies.
  • 8 complimentary domestic lounge visits per year (2 per quarter).

Cons

  • Low base reward rate of 0.5% on non-accelerated categories.
  • Priority Pass membership does not include any complimentary international visits.
  • Milestone voucher of ₹1,500 requires a high annual spend of ₹4 Lakhs.

Our Verdict

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

Offers dedicated memberships for gyms (FITPASS) and online medicine (Netmeds) along with high rewards on pharmacy spends.

Frequently Asked Questions

Which is better: Amazon Pay ICICI Bank Credit Card or SBI Card PULSE?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PULSE 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 PULSE?
Amazon Pay ICICI Bank Credit Card has no annual fee, while SBI Card PULSE has an annual fee of ₹1,499. SBI Card PULSE offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Amazon Pay ICICI Bank Credit Card or SBI Card PULSE?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1%. SBI Card PULSE offers 0.5% base rewards with bonuses on Pharmacy & Chemists and Dining. The better choice depends on your primary spending categories.
Can I have both Amazon Pay ICICI Bank Credit Card and SBI Card PULSE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Amazon Pay ICICI Bank Credit Card and SBI Card PULSE 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 PULSE?
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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