ICICI Amazon Pay vs SBI Cashback
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ICICI Amazon Pay Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.0/10.
| Feature | ICICI Amazon Pay | SBI Cashback |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.0/10 |
| Annual Fee | Free | ₹999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose ICICI Amazon Pay
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- Your primary spend is: online-shopping, cashback, beginner
When to Choose SBI Cashback
- You can meet the fee waiver condition: Spend ₹2L/year
- Your primary spend is: cashback, online-shopping
Forex Cost Comparison
On ₹1,00,000 annual international spending: ICICI Amazon Pay costs ₹2,348 in forex fees vs SBI Cashback at ₹4,130. You save ₹1,782/year with ICICI Amazon Pay.
Annual Fee Value Analysis
To break even on SBI Cashback's ₹999 fee at 1% rewards, spend ₹8,325/month.
ICICI Amazon Pay is lifetime free — no break-even needed.