Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 5 of 10
IN
SBI Card
SBI Prime
Wins 2 of 10
Verdict
Amazon Pay ICICI wins 5-2. Heavy Amazon shoppers — best free card in India SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | Amazon Pay ICICI | SBI Prime |
|---|---|---|
| Annual fee | No annual fee | · ₹2,999 |
| Joining fee | None | · ₹2,999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | ₹300,000 | · ₹480,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | 4.7/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›Amazon Pay ICICI vs SBI Prime: which is better?
Amazon Pay ICICI wins on more dimensions (5 vs 2). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).