Annual Fee
Free
₹999
Joining Fee
Free
₹999
Fee Waiver Spend
N/A
₹2,00,000
Forex Markup
1.99%
3.5%
Card Comparison
Amazon Pay ICICI vs Cashback SBI
The key difference: Free vs ₹999 annual fee. Amazon Pay ICICI vs Cashback SBIcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Quick take
How they compare
Amazon Pay ICICI and Cashback SBIsuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
Amazon Pay ICICI
- Annual fee
- Free
- Everyday rate
- 1%
- Monthly cap
- No cap
Notable strengths
- Bonus rewards on Amazon (up to 5%)
- Direct cashback — nothing to redeem
- No monthly reward cap
Cashback SBI
- Annual fee
- ₹999 + GST
- Everyday rate
- 1%
- Monthly cap
- ₹4,000/mo
Notable strengths
- Strong online-shopping rewards (up to 5%)
- Direct cashback — nothing to redeem
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
52 specs · 14 sections
Amazon Pay ICICI Bank
Cashback SBI
Feature
Amazon Pay ICICI Bank
Cashback SBI
Reward Type
Cashback
Cashback
Base Rate
1%
1%
Online Rate
1%
5%
Offline Rate
1%
1%
Effective Base Rate
1%
1%
Point Value
₹1
₹1
Redemption Quality
HIGH
HIGH
Best Redemption
₹1
₹1
Worst Redemption
₹1
₹1
Amazon
5%
—
Amazon Pay Partners
2%
—
Grocery / Supermarkets
1%
5% online / 1% offline
Fuel / Petrol / Diesel / CNG
0% (Excluded)
0% (Excluded)
Restaurants / Dine-in
1%
5% online / 1% offline
Flights, Hotels, OTAs, Tour Operators
1%
5% online / 1% offline
Other Retail / Catch-all
1%
5% online / 1% offline
Monthly Cap
No cap
₹4,000
Est. Annual Cap
No cap
₹48,000
Total Excluded
8 categories
12 categories
Railway / Train Tickets
Earns rewards
Excluded
Highway Tolls / FASTag
Earns rewards
Excluded
Gold / Jewellery
Earns rewards
Excluded
Insurance Premiums
Earns rewards
Excluded
Domestic Visits/Year
None
None
International Visits/Year
None
None
Priority Pass
No
No
Est. Annual Value
—
—
Forex Markup
1.99%
3.5%
Description
—
—
Estimated Value
—
—
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
Online Shopping, Amazon
Online Shopping, Cashback
Min Income
₹20,000/month
₹30,000/month
Income Proof
Required
Not required
Secured FD
No
No
Accepting Applications
Yes
Yes
Network
Visa
Visa
Card Tier
Entry
Classic
Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)
2% surcharge
None
Third-party wallet loads > ₹5,000
1% surcharge
None
Transport > ₹50,000
1% surcharge
None
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Frequently asked questions
- What are the annual fees for Amazon Pay ICICI Bank Credit Card and Cashback SBI Credit Card?
- Amazon Pay ICICI Bank Credit Card has no annual fee. Cashback SBI Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- Amazon Pay ICICI Bank Credit Card earns about 1% on general spends; Cashback SBI Credit Card earns about 1%. Category and partner rates may differ — see the table above.
- Do online and offline rewards differ between them?
- Amazon Pay ICICI Bank Credit Card: same rate online and offline. Cashback SBI Credit Card: 5% online / 1% offline.
- What is the forex markup on each card?
- Amazon Pay ICICI Bank Credit Card: 1.99%. Cashback SBI Credit Card: 3.5% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits. Cashback SBI Credit Card: none specified.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: ICICI Bank - Amazon Pay ICICI · SBI Card - Cashback SBI