ICICI Amazon Pay vs SBI ELITE
Side-by-side credit card comparison to help you choose the best one.
ICICI Amazon Pay
Why this card wins: Everyday Amazon Spends — 5% cashback for Amazon Prime members
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | SBI |
| Card Type | Cashback | Super Premium |
| Annual Fee | Lifetime Free | ₹4,999 + GST |
| Joining Fee | Nil | ₹4,999 + GST |
| Rewards | 5% cashback for Amazon Prime members | 2X reward points on dining, movies & grocery |
| Best For | Everyday Amazon Spends | Premium Lifestyle |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | ₹500 Amazon Pay cashback | 5000 bonus reward points |
| Min Income | ₹15,000/month | ₹60,000/month |
| Lounge Access | None | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.9 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Amazon Pay
Everyday Amazon Spends
Visa • Cashback
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
- 1% cashback on all other payments
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
Verdict
Based on rating and overall value, ICICI Amazon Pay ranks highest among your selected cards. It excels at Everyday Amazon Spends and offers 5% cashback for Amazon Prime members.
Frequently asked questions
Which is better: ICICI Amazon Pay or SBI ELITE?
ICICI Amazon Pay has the higher CardKhoj rating (4.9/5) and is best for everyday amazon spends. SBI ELITE is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Amazon Pay and SBI ELITE?
ICICI Amazon Pay is cheaper to hold at Lifetime Free, compared with ₹4,999 + GST for SBI ELITE.
Do ICICI Amazon Pay and SBI ELITE offer airport lounge access?
ICICI Amazon Pay: no complimentary lounge access. SBI ELITE: unlimited domestic + 6 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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