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ICICI Amazon Pay Credit Card vs Flipkart SBI Card

Honest side-by-side comparison of ICICI Amazon Pay Credit Card, Flipkart SBI Card — 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

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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

Flipkart SBI Card

SBI Card

Your adjusted comparison

Feature
ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card

ICICI Bank

Flipkart SBI Card credit card

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹3,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,793/yr₹7,122/yr
Online shopping₹2,400 × 5% = ₹120/mo (₹1,440/yr)₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo
Groceries (offline)—₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo
Dining & delivery—₹1,050 × 4% = ₹42/mo (₹504/yr)
Travel—₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo
Top reward rate5%5%
Primary reward capNo monthly cap published₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹250

Stack mode (hold both)

Cap-aware split: ~₹13,891/yr combined NAV (₹6,769 vs best solo). Both annual fees apply.

ICICI Amazon Pay Credit Card details →Flipkart SBI Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Flipkart SBI Card leads ICICI Amazon Pay Credit Card by about ₹3,329/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

ICICI Amazon Pay Credit Card vs Flipkart SBI Card comparison table
FeatureICICI Amazon Pay Credit Card

ICICI Bank

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹3,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,793/yr₹7,122/yr
Online shopping₹2,400 × 5% = ₹120/mo (₹1,440/yr)₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo
Groceries (offline)—₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo
Dining & delivery—₹1,050 × 4% = ₹42/mo (₹504/yr)
Travel—₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo
Top reward rate5%5%
Primary reward capNo monthly cap published₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹250

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?
Flipkart SBI Card leads with an estimated ₹7,122/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.

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