SBI Cashback vs Amazon Pay ICICI

Side-by-side comparison of India's top two online shopping cards.

Feature	SBI Cashback	Amazon Pay ICICI
Online Cashback	5% (Unlimited*)	5% (Amazon Prime only)
Annual Fee	₹999 (Reversible)	Lifetime Free
Offline Cashback	1%	1%

Cons to Consider

SBI fee is ₹999 if spend < 2L/year.
Amazon Pay card restricted to Amazon ecosystem.

Expert Verdict

If you spend >₹10,000/month across multiple sites (Flipkart, Myntra, Swiggy), the SBI Cashback card pays for itself. If you only shop on Amazon, stick to Amazon Pay ICICI.