Side-by-side · honest numbers
ICICI Amazon Pay Credit Card vs IRCTC ICICI Bank Credit Card vs SBI Card ELITE
Honest side-by-side comparison of ICICI Amazon Pay Credit Card, IRCTC ICICI Bank Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card ranks first for estimated net annual value — ahead of SBI Card ELITE by about ₹6,129/yr.
| Feature | ICICI Amazon Pay Credit Card ICICI Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | Lifetime free | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹880/yr | ₹1,701/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 5% | 10% reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Amazon Pay Credit Card
ICICI Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | ICICI BankGold ICICI Amazon Pay Credit Card •••• •••• •••• 4242 Quick facts ICICI Amazon Pay Credit Card Top reward5% Annual feeLifetime Free Min income₹25,000/mo Tap to flip back ICICI Amazon Pay Credit Card ICICI Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | Lifetime free | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹880/yr | ₹1,701/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 5% | 10% reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
ICICI Amazon Pay Credit Card details →IRCTC ICICI Bank Credit Card details →SBI Card ELITE details →
Share this comparison
https://cardhungry.com/in/en/compare/icici-amazon-pay-vs-irctc-icici-vs-sbi-eliteMore ICICI Amazon Pay Credit Card comparisons
- ICICI Amazon Pay Credit Card vs 811 Dream Different Credit Card
- ICICI Amazon Pay Credit Card vs AU Altura Credit Card
- ICICI Amazon Pay Credit Card vs AU Zenith Credit Card
- ICICI Amazon Pay Credit Card vs American Express Gold Card
- ICICI Amazon Pay Credit Card vs American Express Platinum Travel Card
- ICICI Amazon Pay Credit Card vs American Express SmartEarn Credit Card
- ICICI Amazon Pay Credit Card vs Amex Membership Rewards CC
- ICICI Amazon Pay Credit Card vs Axis Bank ACE Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Airtel Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Atlas Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Magnus Credit Card