SBI Cashback Credit Card vs Amazon Pay ICICI Credit Card
Last Updated : March 28, 2025, 12:52 p.m.
In the ever-evolving world of credit cards, two popular options stand out for their cashback rewards and online shopping benefits: the SBI Cashback Credit Card and the Amazon Pay ICICI Credit Card . This article will provide a detailed comparison to help you decide which card might be the best fit for your spending habits and lifestyle. After choosing a card and before applying for it, do a free CIBIL score check on Wishfin, since it is an important factor that influences your credit card application approval.
Comparing SBI Cashback Card and Amazon Pay ICICI Credit Card Based on Core Features
| Feature | SBI Cashback Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
Annual Fee | Rs. 999 + GST | Nil |
Joining Fee | Rs. 999 + GST | Nil |
Cashback on Online Transactions | 5% on all online transactions | 5% for Amazon Prime members on Amazon.in, 3% for non-Prime members |
Cashback on Other Spends | 1% on offline spends | 2% on Amazon Pay partner merchants, 1% on all other spends |
Fuel Surcharge Waiver | 1% at all petrol pumps in India | 1% at all refilling stations |
Welcome Benefits | None | None |
Dining Offers | Not specified | Offers up to 15% savings at over 2500 restaurants through its Culinary Treat Program |
Lounge Access | None (discontinued) | Contact the bank |
Minimum Age Requirement | 21 years | 21 years |
Maximum Age Limit | 70 | Not specified |
Income | Regular source of income | A salaried individual must have a monthly income of Rs. 20,000. Self employed individuals must have a yearly income of Rs. 3,60,000 |
Reward Points | Not applicable (cashback model) | Not applicable (cashback model) |
Detailed Analysis of SBI Cashback Card and Amazon Pay ICICI Card
Annual and Joining Fees
The SBI Cashback Credit Card comes with an annual fee and joining fee of Rs. 999 + GST each. However, the annual fee is reversed on spending Rs. 2 lakhs or more annually. In contrast, the Amazon Pay ICICI Credit Card has no annual or joining fees, making it more attractive for those who want to avoid upfront costs.
Cashback Structure
The SBI Cashback Credit Card offers a flat 5% cashback on all online transactions, which is quite generous and not limited to specific platforms. The Amazon Pay ICICI Credit Card, on the other hand, offers 5% cashback only on Amazon.in purchases for Prime members (3% for non-Prime members), and lower rates for other transactions.
Other Benefits
Both credit cards offer a 1% fuel surcharge waiver. The Amazon Pay ICICI Credit Card has an edge in dining benefits, offering up to 15% savings at over 2500 restaurants through its Culinary Treat Program. The SBI Cashback Credit Card used to offer lounge access, but this feature has been discontinued.
Eligibility
The Amazon Pay ICICI Credit Card has a lower minimum age requirement (18 years) compared to the SBI Cashback Credit Card (21 years). Both cards typically require a good credit score (750+) for approval.
SBI Cashback Card vs Amazon Pay ICICI Card - Which Card to Choose?
The choice between these two cards depends on your spending habits and preferences:
- If you shop frequently on Amazon and are a Prime member, the Amazon Pay ICICI Credit Card could be more beneficial.
- If you make a variety of online purchases across different platforms, the SBI Cashback Credit Card’s flat 5% cashback on all online transactions could be more advantageous.
- For those who want to avoid annual fees, the Amazon Pay ICICI Credit Card is the clear winner.
- If dining out is a significant part of your lifestyle, the Amazon Pay ICICI Credit Card’s restaurant discounts could be appealing.
Ultimately, both cards offer strong cashback programs, and the best choice will depend on your individual spending patterns and whether you’re willing to pay an annual fee for potentially higher rewards across a broader range of online merchants.
Frequently Asked Questions (FAQs)
