CASHBACK SBI Card
SBI Card
Amazon Pay ICICI Bank Credit Card
ICICI Bank
ACE Credit Card
Axis Bank
- CardCheck Score
- 70
- 77
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 25/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 14/20
- 12/20
- Bank
- SBI Card
- ICICI Bank
- Axis Bank
- Network
- Visa
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Regular
- Best for
- Online cashback
- Rewards on Amazon Purchases
- Cashback on utility bills via Google Pay and daily spending
- Joining fee
- ₹999
- FreeBest
- ₹499
- Annual fee
- ₹999
- FreeBest
- ₹499
- Fee waiver
- ₹2,00,000
- FreeBest
- ₹2,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 42%Best
- 42%Best
- 55.55%
- APR (max)
- 42%Best
- 46%
- 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
- 3.5%
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- 18
- Min income / month
- ₹25,000
- ₹20,000
- ₹25,000
- Min CIBIL
- —
- 720
- 700Best
- Invite only
| Attribute ↓ | Column A | Column B | ★ Overall pick Column C |
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 70 | 77 | 79Best |
| Rating Verdict | Very Good | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 25/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 14/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | SBI Card | ICICI Bank | Axis Bank |
| Network | Visa | Visa | Visa |
| Card type | Regular | Co-branded | Regular |
| Best for | Online cashback | Rewards on Amazon Purchases | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | |||
| Joining fee | ₹999 | FreeBest | ₹499 |
| Annual fee | ₹999 | FreeBest | ₹499 |
| Fee waiver | ₹2,00,000 | FreeBest | ₹2,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 42%Best | 42%Best | 55.55% |
| APR (max) | 42%Best | 46% | 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 | 3.5% | 1.99%Best | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Min age | 21 | 21 | 18 |
| Min income / month | ₹25,000 | ₹20,000 | ₹25,000 |
| Min CIBIL | — | 720 | 700Best |
| Invite only | |||
| Rows won | 02of 10 | 04of 10 | 04of 10 |
Free tools
More CardCheck tools
Frequently Asked Questions: CASHBACK SBI Card vs Amazon Pay ICICI Bank Credit Card
Which is better: CASHBACK SBI Card or Amazon Pay ICICI Bank Credit 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 provides better net value across rewards and fee structures.
How do annual fees and fee waiver spend rules compare?
CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
How do the reward rates and cashback compare between CASHBACK SBI Card and Amazon Pay ICICI Bank Credit Card?
CASHBACK SBI Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Amazon Pay ICICI Bank Credit 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: CASHBACK SBI Card or Amazon Pay ICICI Bank Credit Card?
CASHBACK SBI Card provides no complimentary airport lounge access. On the other hand, Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access.
Which card is better for international foreign currency spends?
CASHBACK SBI Card levies a foreign currency markup fee of 3.5%, while Amazon Pay ICICI Bank Credit Card charges 1.99%. 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).