Cashback SBI Card vs Amazon Pay ICICI
Cashback SBI Card is better for online shopping, travel & flights, while Amazon Pay ICICI wins on groceries, food delivery & dining, bills & recharges. Amazon Pay ICICI is cheaper to keep (lifetime free).
| Cashback SBI Card | Amazon Pay ICICI Credit Card | |
|---|---|---|
| Issuer | SBI Card | ICICI Bank |
| Network | Visa | Visa |
| Best for | Online shopping | Amazon shoppers |
| Headline benefit | 5% online cashback | 5% on Amazon |
| Joining fee | ₹999 | Free |
| Annual fee | ₹999 | Free |
| Fee waiver | ₹2,00,000 spend | Not needed |
| Works on UPI | No | No |
| Lounge access | None | None |
| Online shopping rewards | 5% | 4% |
| Groceries rewards | 1% | 2% |
| Food delivery & dining rewards | 1% | 2% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | 2% |
| Travel & flights rewards | 5% | 2% |
| Everything else rewards | 1% | 1% |
| Apply now | Apply now |
Choose Cashback SBI Card if…
- No merchant restrictions: 5% on almost any website
- Straight cashback with no points to redeem
- Simple, predictable rewards
Watch out for
- Online cashback is capped at ₹5,000 per statement
- No lounge access
- Fuel, rent and wallets excluded
Choose Amazon Pay ICICI if…
- Lifetime free, so no fee to recover
- Rewards credited as Amazon Pay balance
- Great first card that's easy to get
Watch out for
- Best value only for Amazon Prime members
- Rewards usable only on Amazon
- No lounge access
Verdict
Cashback SBI Card is better for online shopping, travel & flights, while Amazon Pay ICICI wins on groceries, food delivery & dining, bills & recharges. Amazon Pay ICICI is cheaper to keep (lifetime free). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.