Compare credit cards

4.4/ 5

3 cards selected · tap any row to highlight

Trending matchups

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card

ICICI Bank

SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Card

HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

Amazon Pay ICICI Bank Credit Card
77
Very Good
Amazon Pay ICICI Bank Credit Card

ICICI Bank

SimplyCLICK SBI Card
75
Very Good
SimplyCLICK SBI Card

SBI Card

HDFC Millennia Credit Card
77
Very Good
HDFC Millennia Credit Card

HDFC Bank

01—CardCheck Score & Pillars
CardCheck Score
77Best
75
77Best
Rating Verdict
Very Good
Very Good
Very Good
Reward Power (35%)
34/35
35/35
34/35
Fee Value & ROI (25%)
25/25
24/25
20/25
Lounge & Travel (20%)
4/20
4/20
11/20
Forex & Access (20%)
14/20
12/20
12/20
02—Basic Info
Bank
ICICI Bank
SBI Card
HDFC Bank
Network
Visa
Visa
Visa, Mastercard, Diners, RuPay
Card type
Co-branded
Regular
Regular
Best for
Rewards on Amazon Purchases
Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
online shoppers
03—Fees
Joining fee
FreeBest
₹499
₹1,000
Annual fee
FreeBest
₹499
₹1,000
Fee waiver
FreeBest
₹1,00,000
₹1,00,000
Interest-free days
50
50
50
04—Interest
APR (min)
42%Best
42%Best
43.2%
APR (max)
46%
42%Best
43.2%
Late payment fee
₹1,300
₹1,300
₹1,300
Cash advance fee
2.5%
2.5%
2.5%
05—Rewards
Reward type
cashback
points
cashback
Min rate
1%
1.25%Best
1%
Max rate
5%
10%Best
5%
Points / ₹100
—
1
1
Point value
₹1
₹0.25
₹1
Monthly cap
—
₹5,000
₹2,000
06—Travel & Lounge
Domestic lounge / qtr
0
0
1Best
Lounge spend criteria
—
—
On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
Intl lounge / year
0
0
0
Priority Pass
DreamFolks
07—Forex & Fuel
Forex markup
1.99%Best
3.5%
3.5%
Fuel surcharge waiver
08—Features
Metal card
Contactless
UPI linked
09—Eligibility
Invite only
Rows won
06of 10
03of 10
01of 10

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03

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CardCheck Comparison Index & Cardholder Ratings

Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.

100% Unbiased Index
Tool & Evaluation Rating
4.4/ 5.0

Based on 111 verified cardholder ratings

87% 4-Star & 5-Star Satisfaction

Rating Breakdown

5 ★
57
4 ★
40
3 ★
11
2 ★
3
1 ★
0
Indexed Cards: 156Fee Audits: 100% MITC

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Frequently Asked Questions: Amazon Pay ICICI Bank Credit Card vs SimplyCLICK SBI Card

Which is better: Amazon Pay ICICI Bank Credit Card or SimplyCLICK SBI Card?

Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 75/100 (Very Good) for SimplyCLICK SBI Card (a lead of +2 points). Amazon Pay ICICI Bank Credit Card gains its scoring lead primarily through forex & terms (14 vs 12) and fee value & ROI (25 vs 24) while tying on lounge & travel privileges.

How do annual fees and fee waiver spend rules compare?

Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, SimplyCLICK SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.

How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and SimplyCLICK SBI Card?

Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, SimplyCLICK SBI Card offers a base rate of 1.25% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.

Which card has better airport lounge access: Amazon Pay ICICI Bank Credit Card or SimplyCLICK SBI Card?

Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, SimplyCLICK SBI Card provides no complimentary airport lounge access.

Which card is better for international foreign currency spends?

Amazon Pay ICICI Bank Credit Card levies a foreign currency markup fee of 1.99%, while SimplyCLICK SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.

Is CardCheck's comparison data unbiased and verified against official bank MITC?

Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).