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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma 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

SBI Card - Tata Croma Card

7/10
Annual Fee₹499
Base Rewards1%
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

FeatureSBI Card - Tata Croma CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%1%
Reward CurrencyEmpower PointsAmazon Pay Balance
NetworkMastercardVisa
Editor Rating7/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card

  • 0% on Croma Spends
  • 0% on Grocery & Departmental Stores
  • 0% on Tata Partner Outlets

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

SBI Card - Tata Croma Card

Pros

  • 1.5% value back on all Croma purchases with no stated cap
  • Accelerated 3% reward rate (3x points) on departmental stores and grocery spends
  • Direct 1:1 redemption value (1 point = ₹1) for Tata ecosystem spends
  • Up to 5% value back at select Tata partner outlets like Westside and Titan

Cons

  • No complimentary airport lounge access on this variant
  • Low base reward rate of 1% on non-Tata and non-accelerated spends
  • Rewards are highly concentrated within the Tata ecosystem

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  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.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

Choose SBI Card - Tata Croma Card if

High value back across Croma, Westside, and other Tata brands with 1:1 redemption.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: SBI Card - Tata Croma 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, SBI Card - Tata Croma Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Croma Card and Amazon Pay ICICI Bank Credit Card?
SBI Card - Tata Croma Card has an annual fee of ₹499, while Amazon Pay ICICI Bank Credit Card has no annual fee. SBI Card - Tata Croma Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card or Amazon Pay ICICI Bank Credit Card?
SBI Card - Tata Croma Card offers a base reward rate of 1% with accelerated rewards on Croma Spends and Grocery & Departmental Stores. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Croma Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Croma 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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