Which card has a lower forex fee: ICICI Amazon Pay Credit Card or SBI Cashback Credit 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 SBI Cashback Credit 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 complimentary lounge access. SBI Cashback Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

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

Pairwise comparison Compare 3+ cards →

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

Quick comparison

Three core metrics

Amazon Pay ICICI Bank

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

Cashback SBI Card

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

Reward earning explained

Per card

Amazon Pay

Limited data

Cashback

1% · Up to 5% on online spend

Limited data

Pick based on what matters

3 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 complimentary lounge access vs No complimentary 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 1.99%.
Lounge access Tie

Both cards are similar for lounge access

Explicit no-lounge evidence or verified zero entitlement.
Rewards Tie

Both cards are similar for rewards

ICICI Bank Amazon Pay conservative base value ~1% vs SBI Card Cashback's ~1%. SBI Card Cashback conservative base value ~1% vs ICICI Bank Amazon Pay's ~1%.

ICICI Bank Amazon Pay

Confidence: Low (limited information available)

Verify with issuer

SBI Card Cashback

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Amazon Pay ICICI Bank	Cashback SBI Card
Lounge Access
Domestic lounge visits	No complimentary lounge access	No complimentary lounge access
Forex / International Use
Forex markup 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 SBI Cashback	Not specified	₹2,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Base cashback Some reward lanes are unsupported — base rate only for comparison.	1%	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.