Compare

Eternal SBI Card vs Amazon Pay ICICI Bank Credit Card vs Cashback SBI Credit Card

The winning cell in each row is highlighted; “winner” only means best on that single metric for a typical ₹1L/month spend.

For a typical ₹1L/month spend

Cashback SBI Credit Card earns ₹9,480/yr more

Swipe to see all columns →

Metric	SBI Card Eternal SBI Card Apply on the bank’s credit card page	ICICI Bank Amazon Pay ICICI Bank Credit Card Visit card page	SBI Card Cashback SBI Credit Card Apply for this card
Fees
Annual fee	₹499/yr	Lifetime free	₹999/yr
Joining fee	₹499	Nil	₹999
Fee waiver	₹2,00,000 spend	N/A	₹2,00,000 spend
Forex markup	3.5%	1.99%	3.5%
Fee waived on this spend	Yes	Yes	Yes
Rewards
Reward type	Cashback	Cashback	Cashback
Base rate	1%	1%	0%
Advertised rate	10%	5%	5%
Excluded categories	Fuel, Wallet loads, Rent, Insurance, Education, Utilities	Rent, Wallet loads, Fuel	Rent, Wallet loads, Fuel, Insurance, Utilities, Education, UPI
Net reward (typical ₹1L/mo)
Net reward / yr	₹8,040	₹9,120	₹18,600
Benefits
Golf access	No	No	Not verified
Concierge	Not verified	Not verified	Not verified
Lounge
Domestic visits / yr	None	None	None
International visits / yr	None	None	None
Spend gate	None	None	None
Railway lounge access	Not verified	Not verified	Not verified
Welcome & rating
Welcome value	—	₹300	—
Editorial rating	—	4.6/5	4.6/5

Card details are indicative and subject to change by the issuer. Always verify on the issuer's MITC before applying.