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Side-by-Side Comparison|Updated March 2026

Lifestyle Home Centre Max SBI Card 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

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureLifestyle Home Centre Max SBI CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver SpendN/AN/A
Base Reward Rate0.25%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating6/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Lifestyle Home Centre Max SBI Card 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, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Lifestyle Home Centre Max SBI Card and Amazon Pay ICICI Bank Credit Card?
Lifestyle Home Centre Max SBI Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee.
Which card has better rewards: Lifestyle Home Centre Max SBI Card or Amazon Pay ICICI Bank Credit Card?
Lifestyle Home Centre Max SBI Card offers a base reward rate of 0.25% with accelerated rewards on Landmark Stores - SHOPPING and DINING. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Lifestyle Home Centre Max SBI Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Lifestyle Home Centre Max SBI Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Lifestyle Home Centre Max SBI Card 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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