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4.4/ 53 cards selected · tap any row to highlight
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CASHBACK SBI Card
SBI Card
Amazon Pay ICICI Bank Credit Card
ICICI Bank
HDFC Millennia Credit Card
HDFC Bank
- CardCheck Score
- 70
- 77Best
- 77Best
- 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
- 20/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 14/20
- 12/20
- Bank
- SBI Card
- ICICI Bank
- HDFC Bank
- Network
- Visa
- Visa
- Visa, Mastercard, Diners, RuPay
- Card type
- Regular
- Co-branded
- Regular
- Best for
- Online cashback
- Rewards on Amazon Purchases
- online shoppers
- Joining fee
- ₹999
- FreeBest
- ₹1,000
- Annual fee
- ₹999
- FreeBest
- ₹1,000
- Fee waiver
- ₹2,00,000
- FreeBest
- ₹1,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 42%Best
- 42%Best
- 43.2%
- APR (max)
- 42%Best
- 46%
- 43.2%
- 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%
- Max rate
- 5%
- 5%
- 5%
- Points / ₹100
- —
- —
- 1
- Point value
- —
- ₹1
- ₹1
- Monthly cap
- ₹4,000
- —
- ₹2,000
- Domestic lounge / qtr
- 0
- 0
- 1Best
- Lounge spend criteria
- —
- —
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- Intl lounge / year
- 0
- 0
- 0
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 70 | 77Best | 77Best |
| 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 | 20/25 |
| 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 | HDFC Bank |
| Network | Visa | Visa | Visa, Mastercard, Diners, RuPay |
| Card type | Regular | Co-branded | Regular |
| Best for | Online cashback | Rewards on Amazon Purchases | online shoppers |
03—Fees Differences highlighted | |||
| Joining fee | ₹999 | FreeBest | ₹1,000 |
| Annual fee | ₹999 | FreeBest | ₹1,000 |
| Fee waiver | ₹2,00,000 | FreeBest | ₹1,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 42%Best | 42%Best | 43.2% |
| APR (max) | 42%Best | 46% | 43.2% |
| 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% |
| Max rate | 5% | 5% | 5% |
| Points / ₹100 | — | — | 1 |
| Point value | — | ₹1 | ₹1 |
| Monthly cap | ₹4,000 | — | ₹2,000 |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 0 | 1Best |
| Lounge spend criteria | — | — | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher |
| Intl lounge / year | 0 | 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 | |||
| Invite only | |||
| Rows won | 02of 08 | 05of 08 | 01of 08 |
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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: 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 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?
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).