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Side-by-Side Comparison|Updated March 2026

Apollo SBI Card SELECT vs Amazon Pay ICICI Bank Credit Card

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

SBI Card

Apollo SBI Card SELECT

7.2/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkMastercard
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureApollo SBI Card SELECTAmazon Pay ICICI Bank Credit Card
Annual Fee₹1,499Free
Joining Fee₹1,499Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyApollo Health CreditAmazon Pay Balance
NetworkMastercardVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Apollo SBI Card SELECT

  • 0% on Apollo 24|7 and Pharmacy
  • 0% on Dining, Movies, Entertainme...

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Apollo SBI Card SELECT

Pros

  • High 10% reward rate on Apollo 24|7 and Apollo Pharmacy spends.
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 in Apollo Health Credits.
  • Complimentary annual health check-up package worth ₹1,999 on meeting spend criteria.
  • Valuable milestone gift of a Noise Smartwatch worth ₹7,999 on ₹6 Lakh annual spend.

Cons

  • Reward redemption is strictly restricted to the Apollo ecosystem.
  • Low base reward rate of 0.5% on general spends.
  • International lounge visits are not complimentary despite the Priority Pass membership.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Our Verdict

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

Choose Apollo SBI Card SELECT if

Significant savings on recurring pharmacy bills, lab tests, and doctor consultations within the Apollo network.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Apollo SBI Card SELECT or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Apollo SBI Card SELECT and Amazon Pay ICICI Bank Credit Card?
Apollo SBI Card SELECT has an annual fee of ₹1,499, while Amazon Pay ICICI Bank Credit Card has no annual fee. Apollo SBI Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Apollo SBI Card SELECT or Amazon Pay ICICI Bank Credit Card?
Apollo SBI Card SELECT offers a base reward rate of 0.25% with accelerated rewards on Apollo 24|7 and Pharmacy and Dining, Movies, Entertainme.... Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Apollo SBI Card SELECT and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Apollo SBI Card SELECT and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Apollo SBI Card SELECT or Amazon Pay ICICI Bank Credit 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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