I spend around 15k every month from my card.
It depends if majority of your spends can be routed through Apay then sbi cashback may not be worth it . But in most cases it will be worth it and widely accepted.
I get that it will be worth it other wise but why do you think it may not be worth it if I pay through Amazon Pay, the cashback is still higher in SBI card
See i m not a commerce guy , but here is my understanding. Apay card is already ltf , the sbi card is paid ,The delta of cashback is 2% (5-3%), lets say you are able to route 80% spends via amazon pay . So on 12k you are only getting 2% extra via sbi and on remaining 3k which could not be routed through APAY you can get 5% via SBI.
But now the exclusions category come into play and it is per each mcc code so you gotta check that yourself how much of your spends are actually excluded from my understanding amazonpay icici excludes way less things.
Its not ltf. You need to pay 399 for prime. Its ltf it you want 3% cb
Makes sense. Thank you!