Which card has a lower forex fee: ICICI Amazon Pay Credit Card or Cashback SBI Card?

ICICI Amazon Pay Credit Card has lower forex markup (1.99% vs 3.5%).

Which card has a lower annual fee: ICICI Amazon Pay Credit Card or Cashback SBI Card?

ICICI Amazon Pay Credit Card has a lower annual fee (₹0 vs ₹999).

Which card offers better lounge access?

ICICI Amazon Pay Credit Card: No domestic lounge. Cashback SBI Card: No domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Add another card →

ICICI Bank Amazon Pay vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Amazon Pay and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex ICICI Bank Amazon Pay Low fee ICICI Bank Amazon Pay

Quick comparison

Three core metrics

Amazon Pay ICICI Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge No lounge access

Cashback SBI Card

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Amazon Pay

2% on Amazon + 1% on General spend

Cashback

1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Amazon Pay: ₹0 vs SBI Card Cashback: ₹999), forex markup (1.99% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup ICICI Bank Amazon Pay wins

ICICI Bank Amazon Pay is better for forex

ICICI Bank Amazon Pay is stronger here. Forex markup is 2%.

Amazon Pay: Limited data Cashback: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Amazon Pay: Limited data Cashback: Limited data
Rewards Tie

Both cards are similar for rewards

Estimated base reward value is ~1% on base spend.

Cashback: Limited data
Annual fee ICICI Bank Amazon Pay wins

ICICI Bank Amazon Pay is better for fees

ICICI Bank Amazon Pay is stronger here. Annual fee is ₹0.

Amazon Pay: Limited data Cashback: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Amazon Pay: ~₹500/month at base rate
Cashback SBI Card: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Amazon Pay ICICI Bank	Cashback SBI Card
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 3.5%	1.99%	3.5%
Fees
Annual fee ₹0 vs ₹999	₹0	₹999
Joining fee ₹0 vs ₹999	₹0	₹999
Fee waiver spend Only available for Cashback SBI Card	Not specified	₹2,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.