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| Feature | SBI Card SBI Cashback Credit Card | ICICI Bank Amazon Pay ICICI Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | ICICI Bank |
| Network | Visa | Visa |
| Annual fee | ₹999 + GST per year | Lifetime free |
| Annual fee waiver | At ₹2,00,000 annual spending | Not required |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Beauty & wellness | 5% · Selected online merchant cashback | 1% · Other eligible Amazon Pay rewards |
| Dining & delivery | 5% · Selected online merchant cashback | 1% · Other eligible Amazon Pay rewards |
| Groceries & essentials | 5% · Selected online merchant cashback | 1% · Other eligible Amazon Pay rewards |
| Online shopping | 5% · Eligible online shopping cashback | 1% · Prime Amazon and travel rewards |
| Subscriptions & streaming | 5% · Selected online merchant cashback | 1% · Amazon Pay category rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Eligible online cashback: ₹2,000/statement cycle · Eligible offline cashback: ₹2,000/statement cycle · Aggregate statement-cycle cashback: ₹4,000/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 2.0% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month salaried · ₹30,000/month self-employed |
| Terms verified | 14 Sept 2026 | 14 Sept 2026 |
| Best suited to | People spending ₹15,000+ monthly across various e-commerce and delivery apps. | Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance. |
| Main trade-off | Online and offline cashback are capped separately at ₹2,000 each per statement cycle. Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and other listed categories are excluded. No airport lounge access. | The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
