SBI SimplyCLICK and ICICI Amazon Pay are two of India’s most talked-about starter credit cards for people who shop online. One is a reward-points card with big multipliers on selected websites; the other is a pure cashback card built around Amazon.in and Amazon Pay.
There is no single “winner”: the better card is the one whose fees, earn rules, and caps match how you actually spend. Below is a straight comparison using the same figures shown on each card’s page on CardCheck (snapshot 2026-04-23). Banks can change benefits — always confirm the latest offer and MITC before you apply.
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| Topic | SimplyCLICK SBI Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|
| Card page | SimplyCLICK SBI Card | Amazon Pay ICICI Bank Credit Card |
| Joining / annual fee | ₹499 / ₹499 + taxes | ₹0 / ₹0 (lifetime free) |
| Annual fee waiver | Waived on ₹1,00,000 yearly spend (as published) | — (no renewal fee) |
| Hero earn | 10× SBI Reward Points on listed online partners (e.g. Amazon, BookMyShow, Cleartrip, Lenskart, Dominos, Yatra — per the live list); 5× on other online; 1× offline | 5% cashback on Amazon.in for Prime; 3% without Prime; 2% at Amazon Pay partners; 1% elsewhere |
| Point / cashback mechanics | Reward points (SBI quotes 1 point ≈ ₹0.25 in worked examples → about 2.5% value on 10× partner spend, 1.25% on 5× online) | Cashback to Amazon Pay balance each month |
| Monthly cap on rewards (where listed) | Yes — ₹100 per month on accelerated earn in the published benefit list (confirm current cap in SBI Card’s MITC). | No monthly cap on headline Amazon cashback for Prime / non-Prime in the published list |
| Airport lounge | Not part of this product | Not part of this product |
| Published minimum income | ₹20,000 / month | ₹25,000 / month |
| Published CIBIL floor | 680 | 750 |
| Published retail APR band | 42% p.a. | 42% p.a. |
| Foreign currency mark-up (as listed) | 3.5% | 3.5% |
GST applies on fees where the bank says “plus taxes.” Approval and limit are always up to the issuer.
Which one earns more for you?
Choose Amazon Pay ICICI Bank Credit Card if Amazon.in is already your main wallet: 5% back for Prime members on the mall (no monthly cap in the published wording), no annual fee, and rewards land in Amazon Pay every month. It is hard to beat as a first card if you live inside that ecosystem and meet the income and CIBIL lines on the page.
Choose SimplyCLICK SBI Card if you want one card that still rewards many different online brands (travel, movies, food apps, etc.) through 10× on partners and 5× on other online spend — and you are comfortable with reward points and occasional caps instead of plain rupee cashback. The ₹499 fee is often waived on ₹1 lakh annual spend, and milestone Amazon e-voucher style benefits are described at ₹1 lakh and ₹2 lakh yearly spend in the benefit list (see SBI’s current terms).
Overlap on Amazon: SimplyCLICK’s 10× line includes Amazon among its online partners in the published list, but the effective rupee value still depends on redemption and any points cap. Amazon Pay ICICI is simpler: straight cashback percentages on Amazon for Prime vs non-Prime.
Limits, exclusions, and fine print
SimplyCLICK: accelerated points do not apply everywhere online — they apply to named partners and categories in SBI’s programme. Common no-points areas in the published list include fuel, EMI, cash advances, utility and government payments — read the MITC before you depend on a category.
Amazon Pay ICICI: cashback generally does not accrue on fuel, EMI, wallet loading, or international spend in the exclusion list; money stays inside the Amazon Pay world — which is perfect for heavy Amazon users and less ideal if you want statement credit in your bank account.
Both issuers can change partner lists and earn rules. If a charge does not track the way you expect, it is usually merchant category code (MCC) or payment path — the bank’s MITC is the final word.
Disclosure
CardCheck compares publicly described products; we do not issue cards or set interest rates. Numbers here match the card pages at the snapshot date; your offer letter and the bank’s MITC override any summary.
FAQ
- Is SimplyCLICK or Amazon Pay ICICI better for Amazon only?
If almost everything you buy is on Amazon.in and you are Prime, Amazon Pay ICICI is usually simpler (5% straight cashback in the published structure). SimplyCLICK can still be strong on Amazon through its 10× partner bucket, but you must be comfortable with points and programme rules.
- Which has the lower fee?
Amazon Pay ICICI is lifetime free on the card page (₹0 joining and ₹0 annual). SimplyCLICK lists ₹499 joining and ₹499 annual, with renewal waived on ₹1 lakh annual spend — so the “cheaper” card depends on whether you clear that spend.
- What about income and credit score?
The product pages list ₹25,000/month and 750 minimum CIBIL for Amazon Pay ICICI, versus ₹20,000/month and 680 for SimplyCLICK — banks may approve above or below those public bars.
- Can I hold both?
Yes — many people pair a co-brand with a general online card. Use each card where its published rate is highest, pay the full bill on time, and avoid rotating debt (APR is high on every card if you revolve).
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Vineet Verma
Lead AnalystLead Financial Researcher & Credit Card Analyst at CardCheck
Vineet specializes in Indian retail banking terms, reward point economics, and MITC verification. Every insight is audited against official bank filings.