Flipkart SBI Credit Card vs. Amazon Pay ICICI Credit Card - Which Is The Best Credit Card For Online Shopping?
- Pratibha Sharma
- 7 hours ago
- 7 min read
In today's blog, we will provide you with information about the Flipkart SBI Credit Card vs. the Amazon Pay ICICI Credit Card, which card is best for shopping, specifically its welcome benefits, cashback rate, and more. For more information, read below:
Flipkart SBI Credit Card
The Flipkart SBI Credit Card is a co-branded card created by State Bank of India in partnership with Flipkart. It is designed mainly for people who shop often on Flipkart and Myntra, but it also comes with good benefits for daily spending. The card works on the Visa platform, so it is widely accepted across India and abroad.
One of the biggest highlights of this card is the cashback system. Users get 5% unlimited cashback on purchases made on Flipkart and Myntra, which makes it a great choice for frequent online shoppers. For some people, shopping gives inner satisfaction whenever they feel stressed best way to remove stress is shopping. For other platforms like Swiggy, Uber, and PVR, the card offers 4% cashback, while all other spends earn 1.5% cashback. This gives cardholders a steady way to save money on both online and offline purchases.
Apart from cashback, the Flipkart SBI Credit Card also provides welcome benefits such as Flipkart vouchers after joining, along with access to fuel surcharge waivers. Customers can also enjoy airport lounge visits in India, making it useful for travelers.
Overall, the Flipkart SBI Credit Card is a simple yet rewarding card that helps users save extra every time they shop, dine, travel, or enjoy entertainment.
What Are The Welcome Benefits Of the Flipkart SBI Credit Card?
(a) An INR 250 Flipkart Gift Card will be gifted to the cardholder on payment of the joining fee
(b) Flipkart and Cleartrip e-gift cards worth INR 500 each on the cardholder's first transaction on Flipkart within 30 days of card approval for applications made through the Flipkart App
Flipkart e-gift cards are like prepaid money that can be used to shop for mobiles, clothes, electronics, groceries, and more on Flipkart, while Cleartrip e-gift cards are meant for booking flights, hotels, and travel packages on Cleartrip. Both are delivered digitally, easy to redeem with a code and PIN, and make convenient gifting options, Flipkart for shopping and Cleartrip for travel.
What Is The Cashback Rate Of the Flipkart SBI Credit Card?
5% Cashback on Flipkart (quarterly cashback limit of INR 4,000).
5% cashback on Cleartrip (quarterly cashback limit of INR 4,000).
7.5% Cashback on Myntra (quarterly cashback limit of INR 4,000).
4% Cashback on Uber, Zomato, Netmeds, PVR (quarterly cashback limit of INR 4,000).
1% uncapped cashback on all other spends, excluding some.
Movie Benefits
4% Cashback on Uber, Zomato, Netmeds, PVR (quarterly cashback limit of INR 4,000). 1% uncapped cashback on all other spends, excluding some.
Dining Benefits
4% Cashback on Uber, Zomato, Netmeds, PVR (quarterly cashback limit of INR 4,000). 1% uncapped cashback on all other spends, excluding some.
Other Benefits
Annual fee reversal on credit card spends of INR 3.5 Lakh.
Special Features
7.5% Cashback on Myntra (quarterly cashback limit of INR 4,000).
Eligibility Criteria
Age: You must be minimum 21 and 70 years old.Income: You must have a stable source of income.Credit score: A good credit score is generally required.
Fees And Charges:
Joining Fees: INR 500 + GST
Annual fees: INR 500 + GST
Cash Advance Fees: 2.5%
Interest Rate: 3.75% per month, 45% per annum
Late payment fees: Late Payment charges will be applicable if the Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.. 0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000
Foreign Currency Transactions Fee: 3.5%
How to apply for a Credit Card?
There are three major ways to apply for the Flipkart SBI Credit Card:
1. Online:
This is a fast and easy method.
Visit the SBI Card website.
Choose the "Credit Cards" tab and navigate to Flipkart SBI Credit Card.
Click on the "Apply Now" button and fill out the online application form with all your details.
Upload the requisite documents, such as proof of identity, proof of address, and proof of income.
Submit the application form.
2. Offline:
This method involves visiting a SBI branch.
Ask for the Flipkart SBI Credit Card application form.
Fill out the form with all of your details.
Attach the requisite documents.
Submit the application form to the bank.
3. By Phone:
Contact the SBI Card helpline at 1860-180-1290 or 3902-0202.
Request for a Flipkart SBI Credit Card application form.
The bank will then send you the form by courier.
Fill out the form with all of your details.
Attach the requisite documents.
Send the completed application form back to the bank.
Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Bank Credit Card is a lifetime free credit card that has become very popular among online shoppers in India. Launched by ICICI Bank in partnership with Amazon, this card is designed to reward people who frequently shop on Amazon as well as those who make everyday purchases. Since it is a Visa card, it is widely accepted across stores and websites, both in India and abroad. The customer doesn't have to worry about the card availability, whether it's in India or abroad.
The main highlight of this card is its cashback system. Customers who are Amazon Prime members get 5% cashback on purchases made on Amazon, while non-Prime members receive 3%. For payments made through Amazon Pay to partner merchants like Swiggy, BookMyShow, and Yatra, users earn 2% cashback. On all other spends, the card offers 1% cashback, which gets directly added as an Amazon Pay balance. This balance can be used to shop on Amazon or pay at thousands of partner websites and apps. This will become helpful in many ways for the customers.
What makes this card even more attractive is that there are no joining fees or annual charges, making it cost-friendly for all users. With simple rewards, easy cashback, and no hidden costs, the Amazon Pay ICICI Bank Credit Card is a smart option for anyone who shops or pays online often.
What Are The Welcome Benefits Of The Amazon Pay ICICI Credit Card?
Welcome benefit: Rs 600 Amazon gift card for non-Prime applications, and Rs 750 Amazon gift card for Prime members.
“Amazon gift card for Prime members” means an extra shopping balance or reward that Amazon gives only to Prime users as part of offers or promotions.
Sometimes, Amazon also runs special offers where only Prime members receive gift cards as rewards for shopping during sales or festivals.
What Is The Cashback Rate Of The Amazon Pay ICICI Credit Card?
The cashback rate is 5% on the Amazon website and app for the cardholders if they are also an Amazon Prime member.
Non-prime members will get 3% cashback on the Amazon app and website.
Cardholders will get 2% cashback on Amazon Pay for certain kinds of utility bill payments.
Cardholders will get 1% cashback on all other payments.
Special Features
There is no maximum cap for the rewards earned on the Amazon Pay ICICI Bank credit card.
Eligibility Criteria
You must be at least 21 years old to apply for the credit card. You must have a good credit score of 750 or above. You must be a citizen of India.
Fees And Charges:
Joining Fees: NIL
Annual fees: NIL
Cash Advance Fees: 2.50% on the advanced amount, subject to a minimum of Rs 300.
Interest Rate: 3.5% - 3.8%p.m. or 42% - 45.6%p.a.
Late payment fees: Range from INR 100 to INR 1200.
Foreign currency transactions: Mark-up of 3.50%.
How to apply for a Credit Card?
Online Application:
Eligibility: Ensure you meet the minimum eligibility criteria of being 18 years old, having a regular source of income, and fulfilling the bank's credit score requirements.
Head to the website: Visit the official Amazon Pay ICICI Bank Credit Card application page: https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card
Fill in the details: Provide your personal information, contact details, employment details, and income information accurately.
Select your variant: Choose your preferred variant – Platinum or Signature. They differ in annual fees, reward rates, and benefits.
Review and submit: Carefully review your application before submitting it. Once submitted, you'll receive a confirmation message.
Contact Details
1800 1080
Conclusion :
Both the Flipkart SBI Credit Card and the Amazon Pay ICICI Credit Card are excellent options for online shoppers, but they serve slightly different needs. If Flipkart or Myntra is where you do most of your shopping, the Flipkart SBI Card clearly stands out. The 5% cashback on Flipkart and Myntra, along with 4% on partner apps like Swiggy and Uber, makes it a strong choice for people who want savings across shopping, food delivery, and travel. Extra perks like welcome vouchers, fuel surcharge waivers, and complimentary lounge access also add good value.
On the other side, the Amazon Pay ICICI Credit Card is designed for people who prefer Amazon and want a simple, cost-free option. Prime members enjoy 5% cashback on Amazon, while non-Prime members still get 3%. The best part of this card its has no joining or annual charges, making it a lifetime free card. Since cashback is directly credited as an Amazon Pay balance in your account, it can be used easily for shopping, bill payments, and other partner platforms.
To conclude, the right card depends on your shopping habits, from where customers are comfortable and have the trust to shop. If Flipkart is your favorite marketplace, go with SBI; if Amazon is where you shop more, ICICI is the smarter pick.
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