Amazon Pay ICICI Bank vs CASHBACK SBI Card
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Amazon Pay ICICI Bank vs CASHBACK SBI Card (Sept 2026): for the standard ₹32k/month profile CASHBACK SBI Card wins on score (60/100, ₹8,834 recurring net savings a year) vs Amazon Pay ICICI Bank 46/100 (₹4,742). Cheapest to hold: Amazon Pay ICICI Bank (lifetime free). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Amazon Pay ICICI Bank scores highest (46/100) with ₹4,742 recurring net savings a year. CASHBACK SBI Card saves more in pure rupees (₹8,834) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 46/100 | 60/100 BEST |
| Recurring net savings | ₹4,742/yr | ₹8,834/yr BEST |
| Effective savings rate | 1.5% | 2.7% BEST |
| Annual fee incl. GST | Free for life | Waived |
| Usable lounge visits | ✈ none you can use 0 | ✈ none you can use 0 |
| Why it fits | ✓ Base rate 1% on other spends earns you about ₹2,006 a year on… | ✓ 5% on all online spends (₹2,000/month cap from 1 Apr 2026) earns you… |
| Main drawback | ! No usable lounge access although you asked for it. | ! No usable lounge access although you asked for it. |
| How the net figure adds up | ||
| + Reward value on your spend | ₹4,382 at ₹1/Amazon Pay balance | ₹8,474 at ₹1/Cashback BEST |
| + Milestone bonuses you reach | none | none |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 lifetime free | ₹0 waived at ₹2,00,000 spend |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹4,742/yr | ₹8,834/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 1.5% | 2.7% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹432 0.6% | ₹432 0.6% |
| Dining & food delivery (₹48,000/yr) | ₹590 1.2% | ₹1,766 3.7% BEST |
| Online shopping (₹72,000/yr) | ₹1,728 2.4% | ₹3,600 5.0% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹108 0.6% | ₹108 0.6% |
| Bills & utilities (₹30,000/yr) | ₹600 2.0% BEST | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹240 1.0% | ₹1,200 5.0% BEST |
| Hotels (₹12,000/yr) | ₹120 1.0% | ₹600 5.0% BEST |
| Movies & OTT (₹9,600/yr) | ₹96 1.0% | ₹480 5.0% BEST |
| Insurance premiums (₹18,000/yr) | ₹180 1.0% BEST | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹288 0.6% | ₹288 0.6% |
| Base earn rate | 1% | 1% |
| Accelerated categories | 4 rules
| 1 rule
|
| Excluded categories | fuel, rent, education | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones | None | None |
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹0 + GST | ₹999 + GST |
| Fee waiver | Lifetime free | On ₹2,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | ₹2,000 Amazon Pay welcome rewards (Prime) ≈ ₹2,000 | None |
| First-year value (separate) | ₹6,742 | ₹7,656 BEST |
| Travel | ||
| Domestic lounge entitlement | None | None |
| International lounge entitlement | None | None |
| Lounge condition | None | None |
| Forex markup | 3.5% | 3.5% |
| Redemption & simplicity | ||
| Reward currency | Amazon Pay balance · ₹1/unit | Cashback · ₹1/unit |
| How to redeem | DetailsCredited as Amazon Pay balance – spendable on Amazon, bills, flights, stores. | DetailsAuto-credited to statement within two days of statement generation. |
| Redemption flexibility | ★★★★★ | ★★★★★ |
| Simplicity | ★★★★★ | ★★★★★ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver | fuel waiver |
| Eligibility | Income ₹3L+/yr; instant issuance for many Amazon users | Income ₹3L+/yr; salaried preferred |
| Score breakdown | ||
| Net savings rate | 29/100 × 55% = 16.2 | 55/100 × 55% = 30.2 |
| Usable lounge access | 0/100 × 15% = 0.0 | 0/100 × 15% = 0.0 |
| Redemption flexibility | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Fee safety | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Sources | ||
| Official source | ICICI Bank – Amazon Pay Credit Card | SBI Card – CASHBACK SBI Card |
| Last reviewed | 2026-09-12 | 2026-09-19 |
Frequently asked questions
Which is better: Amazon Pay ICICI Bank or CASHBACK SBI Card?
For the example profile, CASHBACK SBI Card scores highest (60/100, ₹8,834 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Amazon Pay ICICI Bank: lifetime free; CASHBACK SBI Card: ₹1,179 incl. GST.