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4.4/ 53 cards selected · tap any row to highlight
Trending matchups
Amazon Pay ICICI Bank Credit Card
ICICI Bank
CASHBACK SBI Card
SBI Card
ACE Credit Card
Axis Bank
- CardCheck Score
- 77
- 70
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 20/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- 11/20
- Forex & Access (20%)
- 14/20
- 12/20
- 12/20
- Bank
- ICICI Bank
- SBI Card
- Axis Bank
- Network
- Visa
- Visa
- Visa
- Card type
- Co-branded
- Regular
- Regular
- Best for
- Rewards on Amazon Purchases
- Online cashback
- Cashback on utility bills via Google Pay and daily spending
- Joining fee
- FreeBest
- ₹999
- ₹499
- Annual fee
- FreeBest
- ₹999
- ₹499
- Fee waiver
- FreeBest
- ₹2,00,000
- ₹2,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 42%Best
- 42%Best
- 55.55%
- APR (max)
- 46%
- 42%Best
- 55.55%
- Late payment fee
- ₹1,300
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- cashback
- cashback
- cashback
- Min rate
- 1%
- 1%
- 1.5%Best
- Max rate
- 5%
- 5%
- 5%
- Point value
- ₹1
- —
- —
- Monthly cap
- —
- ₹4,000
- —
- Domestic lounge / qtr
- 0
- 0
- 1Best
- Lounge spend criteria
- —
- —
- ₹50,000 spend in the previous 3 calendar months.
- Intl lounge / year
- 0
- 0
- —
- Priority Pass
- DreamFolks
- Forex markup
- 1.99%Best
- 3.5%
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 77 | 70 | 79Best |
| Rating Verdict | Very Good | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 20/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 | 11/20 |
| Forex & Access (20%) | 14/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | ICICI Bank | SBI Card | Axis Bank |
| Network | Visa | Visa | Visa |
| Card type | Co-branded | Regular | Regular |
| Best for | Rewards on Amazon Purchases | Online cashback | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | ₹999 | ₹499 |
| Annual fee | FreeBest | ₹999 | ₹499 |
| Fee waiver | FreeBest | ₹2,00,000 | ₹2,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 42%Best | 42%Best | 55.55% |
| APR (max) | 46% | 42%Best | 55.55% |
| Late payment fee | ₹1,300 | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | cashback | cashback | cashback |
| Min rate | 1% | 1% | 1.5%Best |
| Max rate | 5% | 5% | 5% |
| Point value | ₹1 | — | — |
| Monthly cap | — | ₹4,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 0 | 1Best |
| Lounge spend criteria | — | — | ₹50,000 spend in the previous 3 calendar months. |
| Intl lounge / year | 0 | 0 | — |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 1.99%Best | 3.5% | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 05of 09 | 01of 09 | 03of 09 |
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CardCheck Comparison Index & Cardholder Ratings
Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.
Based on 111 verified cardholder ratings
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Frequently Asked Questions: Amazon Pay ICICI Bank Credit Card vs CASHBACK SBI Card
Which is better: Amazon Pay ICICI Bank Credit Card or CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 70/100 (Very Good) for CASHBACK SBI Card (a lead of +7 points). Amazon Pay ICICI Bank Credit Card gains its scoring lead primarily through fee value & ROI (25 vs 20) and forex & terms (14 vs 12) while tying on reward potential and lounge & travel privileges.
How do annual fees and fee waiver spend rules compare?
Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, CASHBACK SBI Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Amazon Pay ICICI Bank Credit Card or CASHBACK SBI Card?
Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, CASHBACK SBI Card provides no complimentary airport lounge access.
Which card is better for international foreign currency spends?
Amazon Pay ICICI Bank Credit Card levies a foreign currency markup fee of 1.99%, while CASHBACK SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).