Side-by-side · honest numbers
ICICI Amazon Pay Credit Card vs SBI Card ELITE
Honest side-by-side comparison of ICICI Amazon Pay Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Amazon Pay Credit Card
ICICI Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | ICICI Amazon Pay Credit Card ICICI Bank | SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,481/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | ||
| Signup bonus | — | ₹5,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/icici-amazon-pay-vs-sbi-eliteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card leads SBI Card ELITE by about ₹10,299/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | ICICI Amazon Pay Credit Card ICICI Bank | SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,481/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | 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 ₹6,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Amazon Pay Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More 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 Altura+ Credit Card
- ICICI Amazon Pay Credit Card vs AU LIT 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