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Side-by-Side Comparison|Updated March 2026

Reliance 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

Reliance SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureReliance SBI CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkRuPayVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Pros & Cons

Reliance SBI Card

Pros

  • Accelerated 10 Reward Points per ₹100 spent on Ajio and JioMart (2.5% value back).
  • 5 Reward Points per ₹100 spent at participating Reliance Retail stores like Trends and Smart Bazaar.
  • Welcome benefit of ₹500 Reliance Retail voucher effectively offsets the joining fee.
  • Low annual fee waiver threshold of ₹1 Lakh annual spend.

Cons

  • No complimentary airport lounge access in the base variant.
  • Reward redemption fee of ₹99 + GST applies to every redemption request.
  • Base reward rate of 0.25% on non-Reliance spends is very low.

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose Reliance SBI Card if

High value back on grocery (JioMart), fashion (Ajio, Trends), and electronics (Reliance Digital).

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Reliance 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, Reliance SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card and Amazon Pay ICICI Bank Credit Card?
Reliance SBI Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee. Reliance SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Reliance SBI Card or Amazon Pay ICICI Bank Credit Card?
Reliance SBI Card offers a base reward rate of 0.25%. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance 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: Reliance 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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