Amazon Pay ICICI Bank Credit Card vs Flipkart SBI Card
How Amazon Pay ICICI Bank Credit Card and Flipkart SBI 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 Flipkart SBI Card carries a fee (₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend)). If you won't reliably hit Flipkart SBI 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.
Flipkart SBI Card — better for regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | Flipkart SBI CardSBI Card | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption. |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / Mastercard |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. |
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
Flipkart SBI Card
- 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
- 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access
Amazon Pay ICICI Bank Credit Card vs Flipkart SBI Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. Flipkart SBI Card suits regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. 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 Flipkart SBI Card carries a fee (₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend)). If you won't reliably hit Flipkart SBI 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 Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter)
Amazon Pay ICICI Bank Credit Card is lifetime-free (no fee, ever), while Flipkart SBI Card charges ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.