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Side-by-Side Comparison|Updated March 2026

Paytm 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

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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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

FeaturePaytm SBI CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver SpendN/AN/A
Base Reward Rate1%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkRuPayVisa
Editor Rating7.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Paytm 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, Paytm SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm SBI Card and Amazon Pay ICICI Bank Credit Card?
Paytm SBI Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee.
Which card has better rewards: Paytm SBI Card or Amazon Pay ICICI Bank Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm 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: Paytm 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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