Amazon Pay ICICI Bank Credit Card vs SBI Card PRIME
How Amazon Pay ICICI Bank Credit Card and SBI Card PRIME 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 Card PRIME carries a fee (₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)). If you won't reliably hit SBI Card PRIME'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 Card PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / Mastercard / RuPay / American Express |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
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 Card PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
Amazon Pay ICICI Bank Credit Card vs SBI Card PRIME — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. SBI Card PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. 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 Card PRIME carries a fee (₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)). If you won't reliably hit SBI Card PRIME'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 Card PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
Amazon Pay ICICI Bank Credit Card is lifetime-free (no fee, ever), while SBI Card PRIME charges ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 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.