Amazon Pay ICICI Bank Credit Card vs SBI Cashback Credit Card
How Amazon Pay ICICI Bank Credit Card and SBI Cashback Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Amazon Pay ICICI Bank Credit Card is lifetime-free, while SBI Cashback Credit Card carries a fee (₹999 + GST (waived on ₹2L annual spend)). If you won't reliably hit SBI Cashback Credit Card's waiver spend, Amazon Pay ICICI Bank Credit Card is the cheaper card to keep.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | SBI Cashback Credit CardSBI Card | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹999 + GST (waived on ₹2L annual spend) |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / RuPay |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Approx 21–70 yrs; salaried/self-employed with stable income |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | Online shoppers who want flat, auto-credited cashback across most sites. |
Amazon Pay ICICI Bank Credit Card
- Lifetime-free — no joining or annual fee, ever
- 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
- No reward cap; cashback credited as Amazon Pay balance
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
Amazon Pay ICICI Bank Credit Card vs SBI Cashback Credit Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Amazon Pay ICICI Bank Credit Card is lifetime-free, while SBI Cashback Credit Card carries a fee (₹999 + GST (waived on ₹2L annual spend)). If you won't reliably hit SBI Cashback Credit Card's waiver spend, Amazon Pay ICICI Bank Credit Card is the cheaper card to keep. On rewards, Amazon Pay ICICI Bank Credit Card gives 5% back on amazon for prime members (3% non-prime), with no annual fee, ever. whereas SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited.
Amazon Pay ICICI Bank Credit Card is lifetime-free (no fee, ever), while SBI Cashback Credit Card charges ₹999 + GST (waived on ₹2L annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.