Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
Amazon Pay ICICI wins 6-3. Heavy Amazon shoppers — best free card in India SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | Amazon Pay ICICI | SBI Aurum |
|---|---|---|
| Annual fee | No annual fee | · ₹9,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹3,500,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | 4.7/5 | · 4.6/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Amazon Pay ICICI vs SBI Aurum: which is better?
Amazon Pay ICICI wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amazon Pay ICICI for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.