Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs SBI Pulse
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 6 of 10
IN
SBI Card
SBI Pulse
Wins 1 of 10
Verdict
Amazon Pay ICICI wins 6-1. Heavy Amazon shoppers — best free card in India SBI Pulse is still the right call if health/fitness focused — smartwatch + wellness benefits..
Side-by-side
| Criterion | Amazon Pay ICICI | SBI Pulse |
|---|---|---|
| Annual fee | No annual fee | · ₹1,499 |
| Joining fee | None | · ₹1,499 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = Noise smartwatch on activation + 5,000 reward points |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | 4.7/5 | · 3.9/5 |
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 Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
FAQ
›Amazon Pay ICICI vs SBI Pulse: which is better?
Amazon Pay ICICI wins on more dimensions (6 vs 1). 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 Pulse 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 Pulse: Noise smartwatch on activation + 5,000 reward points.