Flipkart Axis Bank Credit Card vs Flipkart SBI Card
Flipkart SBI Card by ₹900 a year at ₹75,000 a month
Flipkart SBI Card vs Amazon Pay ICICI Bank
Amazon Pay ICICI Bank vs Flipkart SBI Card: which should you pick?
Flipkart's card against Amazon's. Flipkart SBI pays 7.5% on Myntra and 5% on Flipkart, Shopsy and Cleartrip, each on its own ₹4,000 quarterly ceiling, 4% at Netmeds, PVR, Uber and Zomato and 1% elsewhere; Amazon Pay ICICI pays 5% on Amazon.in for Prime members and 1% almost everywhere else, uncapped, as Amazon Pay balance. Amazon Pay ICICI is ahead only at ₹25k a month; Flipkart SBI takes over from ₹50k. ₹500 waived at ₹3,50,000 of spend against lifetime free, and neither opens a lounge. The door differs too: ICICI calls the Amazon card an invite-only programme, and SBI's is open to apply.
Flipkart SBI Card wins for almost everyone: Amazon Pay ICICI Bank is only ahead below ₹50,000 a month, and by ₹5 lakh a month Flipkart SBI Card is ₹6,000 a year better off. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to Amazon Pay ICICI Bank's ₹7,600. Pick Amazon Pay ICICI Bank instead if you spend abroad: its forex markup is 2.0% against 3.5% on Flipkart SBI Card, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Amazon Pay ICICI Bank costs ₹0 — lifetime free, Flipkart SBI Card ₹500/yr.
Side by side
| Fact | Flipkart SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| Can you get it | Open to apply✓ Better | By invitation only |
| Fee (joining · annual, + GST) | ₹500/yr | ₹0 — lifetime free✓ Better |
| Fee waiver | Spend ₹3,50,000 a year | None |
| Reward rate on everyday spend | 1.0% | 1.0% |
| Points | SBI Card Cashback | Amazon Pay balance |
| Our value per point | ₹1.00 † | ₹1.00 |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 0 of 792 |
| Forex markup | 3.5% + GST | 1.99% + GST✓ Better |
| Welcome benefit | ₹250 Flipkart gift card on fee realisation; applying through the Flipkart, Myntra or Cleartrip app adds a further voucher and a ₹750 Cleartrip flights coupon | not published |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Flipkart SBI Card is ahead on 5 of the 9 rows we can call.
More facts 8 rows
| Fact | Flipkart SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| Our rank | #146 | Not ranked (invite-only) |
| Our verdict | Keep | Keep |
| Lounge visits in India | None — no complimentary lounge access | None |
| Lounge visits abroad | None | None |
| Forex, in the bank’s words | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% on rupee transactions of ₹1,000 or more taken abroad | 1.99% + GST — named as exception 4 to ICICI's 3.50% standard in the master MITC |
| Interest (APR) | up to 3.75%/mo (45%/yr), charged from the transaction date, with a ₹25 minimum finance charge per transaction | 3.75%/mo (45%/yr) |
| Income needed (salaried) | not published | ₹20,000+/month (product page eligibility panel) |
| Income needed (self-employed) | not published | ₹30,000+/month (product page eligibility panel) |
† Flipkart SBI Card: The unit is a rupee, not a point: SBI's own T&C says the cashback "is directly credited to the SBI Card account within two working days of the statement generation". Nothing to claim, nothing to expire — so ₹1.00 is floor, value and ceiling alike. What bites is the cap: each accelerated category has its own ₹4,000 ceiling per quarter, and the quarter runs from your first transaction after account opening, not the calendar.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | Flipkart SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| At ₹30,000 a month | ₹2,900 | ₹3,000✓ Better |
| At ₹75,000 a month | ₹8,500✓ Better | ₹7,600 |
| At ₹1.5 lakh a month | ₹16,900✓ Better | ₹15,100 |
| At ₹3 lakh a month | ₹33,800✓ Better | ₹30,200 |
| At ₹5 lakh a month | ₹56,400✓ Better | ₹50,400 |
| Pays for itself from | ₹5,000 a month | The first rupee✓ Better |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | Flipkart SBI Card | Amazon Pay ICICI Bank | Ahead |
|---|---|---|---|
| ₹25,000 | ₹2,300 | ₹2,500✓ Better | Amazon Pay ICICI Bank by ₹200 |
| ₹50,000 | ₹5,600✓ Better | ₹5,000 | Flipkart SBI Card by ₹600 |
| ₹75,000 | ₹8,500✓ Better | ₹7,600 | Flipkart SBI Card by ₹900 |
| ₹1 lakh | ₹11,300✓ Better | ₹10,100 | Flipkart SBI Card by ₹1,200 |
| ₹1.25 lakh | ₹14,100✓ Better | ₹12,600 | Flipkart SBI Card by ₹1,500 |
| ₹1.5 lakh | ₹16,900✓ Better | ₹15,100 | Flipkart SBI Card by ₹1,800 |
| ₹1.75 lakh | ₹19,700✓ Better | ₹17,600 | Flipkart SBI Card by ₹2,100 |
| ₹2 lakh | ₹22,600✓ Better | ₹20,200 | Flipkart SBI Card by ₹2,400 |
| ₹2.25 lakh | ₹25,400✓ Better | ₹22,700 | Flipkart SBI Card by ₹2,700 |
| ₹2.5 lakh | ₹28,200✓ Better | ₹25,200 | Flipkart SBI Card by ₹3,000 |
| ₹2.75 lakh | ₹31,000✓ Better | ₹27,700 | Flipkart SBI Card by ₹3,300 |
| ₹3 lakh | ₹33,800✓ Better | ₹30,200 | Flipkart SBI Card by ₹3,600 |
| ₹3.25 lakh | ₹36,700✓ Better | ₹32,800 | Flipkart SBI Card by ₹3,900 |
| ₹3.5 lakh | ₹39,500✓ Better | ₹35,300 | Flipkart SBI Card by ₹4,200 |
| ₹3.75 lakh | ₹42,300✓ Better | ₹37,800 | Flipkart SBI Card by ₹4,500 |
| ₹4 lakh | ₹45,100✓ Better | ₹40,300 | Flipkart SBI Card by ₹4,800 |
| ₹4.25 lakh | ₹47,900✓ Better | ₹42,800 | Flipkart SBI Card by ₹5,100 |
| ₹4.5 lakh | ₹50,800✓ Better | ₹45,400 | Flipkart SBI Card by ₹5,400 |
| ₹4.75 lakh | ₹53,600✓ Better | ₹47,900 | Flipkart SBI Card by ₹5,700 |
| ₹5 lakh | ₹56,400✓ Better | ₹50,400 | Flipkart SBI Card by ₹6,000 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 and 0
Flipkart SBI Card's SBI Card Cashback cannot be moved to any airline or hotel; Amazon Pay ICICI Bank's Amazon Pay balance cannot be moved to any.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
Flipkart SBI Card
- No lounge access of any kind — absent from the T&C booklet, the product record and the MITC
- Every accelerated category caps at ₹4,000 a quarter, and the quarter runs from your first transaction after account opening, not the calendar
- The '12% off on Cleartrip' still on the product page is a coupon offer its own T&C ends on 30 June 2026 — only the 5% cashback is ongoing
Amazon Pay ICICI Bank
- International spends have earned ZERO rewards since 11 Oct 2025 — the T&C says so, the product page does not
- No lounge access of any kind, domestic or international
- Amazon Pay balance is a closed wallet: no transfers, no airline, no cash-out
Common questions 5 answered
Which is better, Flipkart SBI Card or Amazon Pay ICICI Bank?
Flipkart SBI Card wins for almost everyone: Amazon Pay ICICI Bank is only ahead below ₹50,000 a month, and by ₹5 lakh a month Flipkart SBI Card is ₹6,000 a year better off. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to Amazon Pay ICICI Bank's ₹7,600. Pick Amazon Pay ICICI Bank instead if you spend abroad: its forex markup is 2.0% against 3.5% on Flipkart SBI Card, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Amazon Pay ICICI Bank costs ₹0 — lifetime free, Flipkart SBI Card ₹500/yr.
Flipkart SBI Card or Amazon Pay ICICI Bank: which is worth more at ₹3 lakh a month?
Flipkart SBI Card beats Amazon Pay ICICI Bank by ₹3,600 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, Flipkart SBI Card or Amazon Pay ICICI Bank?
Amazon Pay ICICI Bank: ₹0 — lifetime free against ₹500/yr. Flipkart SBI Card waives its fee if you spend ₹3,50,000 a year; Amazon Pay ICICI Bank has no fee waiver.
Which gets you into more airport lounges, Flipkart SBI Card or Amazon Pay ICICI Bank?
Both get you into 0 of the 792 lounges we track.
How current is this comparison?
Flipkart SBI Card was last checked against its bank's own documents on 12 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Related comparisons
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More on these two cards 10 pages
- What SBI Card Cashback are worth
- What Amazon Pay balance are worth
- Flipkart SBI Card: joint #1 for Amazon & Flipkart
- Credit card forex markup in India, bank by bank
- HSBC Live+ vs Amazon Pay ICICI Bank
- Amazon Pay ICICI Bank vs Flipkart Axis Bank Credit Card
- Amazon Pay ICICI Bank vs HDFC Bank Millennia
- CASHBACK SBI Card vs Amazon Pay ICICI Bank
- Swiggy BLCK HDFC Bank Credit Card vs Amazon Pay ICICI Bank
- SimplyCLICK SBI Card vs Amazon Pay ICICI Bank
Sources
Flipkart SBI Card was last checked against its bank's own documents on 12 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every fact above comes from these 9 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 9 sources
- Official Product page — the ₹500 joining and renewal fees and the ₹3.5 lakh reversal read
- Official Terms & Conditions booklet — the full cashback table, its caps and its exclusions read
- Official Preferred partner list — the four merchants behind the 4% rate read
- Official Cleartrip offer terms — the 12% headline is a coupon offer dated to 30 June 2026 read
- Official SBI Card MITC — the ₹500/₹500 fee row and the 3.5% foreign-currency markup read
- Official ICICI's credit-card charges notice — 2% on skill-based gaming and 1% on wallet loads of ₹5,000+ from 15 Jan 2026; 1% on transportation spends past ₹50,000 from 1 Feb 2026 read
- Official Product page — no joining fee, no annual fee, 1.99% forex mark-up, and 5%/3%/2%/1% rewards credited as Amazon Pay balance read
- Official Card T&C (last updated 12 Oct 2026), cl. XXIV — rewards credit to Amazon Pay balance, and international transactions have earned nothing since 11 Oct 2025 read
- Official MITC (re-issued October 2026) — Nil joining, Nil annual, Nil add-on; 1.99% forex named as exception 4 to the 3.50% standard read