vs
In short: ICICI Amazon Pay has the lower annual fee (none vs ₹999); both charge a 3.5% forex markup.
| Key facts | ICICI Amazon Pay | SBI Cashback |
|---|---|---|
| Annual fee | None | ₹999 |
| Joining fee | None | ₹999 |
| Annual fee waived | Not listed | On ₹2 lakh annual spend |
| Top reward rate | 5% Cashback For Amazon Prime Member | 5% Cashback on Online Spends |
| Base rewards | 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | 1% Cashback on Offline Spends |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, both return about ₹4,800 a year; ICICI Amazon Pay comes out about ₹999 ahead because of its lower annual fee.
| Spend profile | ICICI Amazon Pay | SBI Cashback |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹4,800 |
| Annual fee | None | ₹999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Icici Bank Amazon Pay Visa Credit Card and the Sbi Card Visa Cashback Credit Card both offer 5% cashback on select spends and 1% cashback on other transactions, making them competitive cashback options. The ICICI card has no joining or annual fees, while the SBI card charges Rs.999 for both but offers a renewal fee waiver on spending Rs.2 lakhs. Both cards charge a 3.5% forex markup and provide a 1% fuel surcharge waiver.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Icici Bank Amazon Pay Visa Credit Card | Sbi Card Visa Cashback Credit Card |
|---|---|---|
| Bank | ICICI Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | No Joining Fees | Joining Fee of Rs.999 |
| Annual / renewal fee | No Annual Fee | Renewal Fee of Rs.999 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Waiver of Renewal Fee |
| Top reward rate | Earn 5% Cashback For Amazon Prime Member | Get 5% Cashback on Online Spends |
| Base rate (other spends) | Earn 1% Cashback on Other Merchants Outside Amazon.in For Amazon Prime Member | Get 1% Cashback on Offline Spends |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | 100% Back up to Rs.200 on Amazon Shopping For Prime Members | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Both cards offer a top cashback rate of 5% and a base cashback rate of 1%, resulting in similar annual rewards of about Rs.4,800 at Rs.20,000 monthly spend. The Icici Bank Amazon Pay Visa Credit Card focuses on Amazon and Amazon Pay partner spends with additional cashback on travel and gift cards, especially rewarding Amazon Prime members. The SBI Card Visa Cashback Credit Card provides straightforward 5% cashback on online spends and 1% on offline spends without category restrictions. If you frequently shop on Amazon or use Amazon Pay, the ICICI card may provide more targeted value, while the SBI card suits general online and offline spenders.
Neither card lists domestic or international lounge access in our data. Both cards offer a 1% fuel surcharge waiver, which is a modest benefit for fuel purchases. The Icici Bank Amazon Pay Visa Credit Card additionally offers 3% to 5% cashback on travel spends depending on Prime membership, which could be more rewarding for travel-related expenses compared to the SBI card that does not specify travel rewards.
The Icici Bank Amazon Pay Visa Credit Card has no joining or annual fees, making it cost-effective for users who want to avoid upfront and recurring charges. The SBI Card Visa Cashback Credit Card charges a Rs.999 joining and renewal fee but waives the renewal fee if you spend Rs.2 lakhs annually. Both cards charge a 3.5% forex markup and provide a 1% fuel surcharge waiver. For users seeking a no-fee card, the ICICI option is preferable, while the SBI card may be suitable if you can meet the waiver criteria.
The SBI Card Visa Cashback Credit Card offers a renewal fee waiver if you spend Rs.2 lakhs in a year, which can reduce the effective cost for higher spenders. The Icici Bank Amazon Pay Visa Credit Card has no annual or joining fees.
The Icici Bank Amazon Pay Visa Credit Card provides enhanced cashback rates for Amazon Prime members, including 5% cashback on Amazon spends and travel, plus a welcome benefit of 100% cashback up to Rs.200 on Amazon shopping. Non-Prime members receive lower rates, making Prime membership a key factor in maximizing rewards.
Consider Icici Bank Amazon Pay Visa Credit Card if you are an Amazon Prime member or frequent Amazon shopper looking for targeted cashback benefits, especially on Amazon Pay gift cards and travel spends. Its no joining or annual fees make it a straightforward choice for those wanting to avoid fees.
Consider Sbi Card Visa Cashback Credit Card if you want a straightforward cashback card with 5% rewards on all online spends and 1% on offline spends, and if you can comfortably spend Rs.2 lakhs annually to waive the renewal fee. This card suits users who prefer simple cashback without category restrictions and are okay with paying an upfront joining fee.
No, the Icici Bank Amazon Pay Visa Credit Card has no joining fees and no annual fees.
The SBI Card Visa Cashback Credit Card charges a Rs.999 renewal fee, which can be waived if you spend Rs.2 lakhs in a year.
Both cards offer 5% cashback on select spends: the ICICI card on Amazon and travel for Prime members, and the SBI card on online spends. Both provide 1% cashback on other spends, including offline transactions.
Lounge access is not listed in our data for either card.
Both cards charge a 3.5% forex markup on foreign currency transactions.
Yes, both cards offer a 1% fuel surcharge waiver.