Compare Amazon Pay ICICI Bank Credit Card and CASHBACK SBI Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Amazon-heavy users who want an annual-fee-free card with simple, non-expiring Amazon Pay rewards and a relatively low published forex markup.
People whose eligible spend is primarily online and who can use the cashback caps efficiently.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/amazon-pay-icici-credit-card-vs-cashback-sbi-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Amazon Pay ICICI Bank Credit Card | CASHBACK SBI Card |
|---|---|---|
| Joining fee | Nil | ₹999 + taxes |
| Annual fee | Nil | ₹999 + taxes |
| Fee waiver | Not required under the reviewed standard fee schedule | Renewal fee of ₹999 + applicable taxes is waived on annual spends of ₹2 lakh or more in the preceding year. |
| Rewards | 5% Amazon Pay rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members; 2% at eligible Amazon Pay partner merchants; 1% on eligible other spends | 5% cashback on eligible online spends; 1% on eligible offline spends |
| Lounge | Not positioned as an airport-lounge card | No core lounge benefit highlighted on the reviewed product page |
| Forex markup | 1.99% foreign-currency markup on the reviewed issuer page | 3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions. |
| Network | Visa | Visa / Mastercard (variant-dependent) |
| Eligibility / approval | Invite-only programme; reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of at least ₹30,000 for salaried or self-employed applicants; approval remains with ICICI Bank | Subject to SBI Card approval and current underwriting policy |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 2 attached first-party sources
Reviewed September 11, 2026 · 2 attached first-party sources