Amazon Pay ICICI Bank Credit Card
ICICI Bank
SimplyCLICK SBI Card
SBI Card
Regalia Gold Credit Card
HDFC Bank
- CardCheck Score
- 77
- 75
- 82Best
- Rating Verdict
- Very Good
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 24/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- 18/20
- Forex & Access (20%)
- 14/20
- 12/20
- 12/20
- Bank
- ICICI Bank
- SBI Card
- HDFC Bank
- Network
- Visa
- Visa
- Mastercard
- Card type
- Co-branded
- Regular
- Premium
- Best for
- Rewards on Amazon Purchases
- Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
- Travel rewards
- Joining fee
- FreeBest
- ₹499
- ₹2,500
- Annual fee
- FreeBest
- ₹499
- ₹2,500
- Fee waiver
- FreeBest
- ₹1,00,000
- ₹4,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 42%Best
- 42%Best
- 43.2%
- APR (max)
- 46%
- 42%Best
- 45%
- Late payment fee
- ₹1,300
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- cashback
- points
- points
- Min rate
- 1%
- 1.25%
- 1.33%Best
- Max rate
- 5%
- 10%Best
- 6.67%
- Points / ₹100
- —
- 1
- 2.67Best
- Point value
- ₹1
- ₹0.25
- ₹0.5
- Monthly cap
- —
- ₹5,000
- —
- Domestic lounge / qtr
- 0
- 0
- 3Best
- Lounge spend criteria
- —
- —
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- 0
- 0
- 6Best
- Priority Pass
- DreamFolks
- Forex markup
- 1.99%Best
- 3.5%
- 2%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- 21
- Min income / month
- ₹20,000
- ₹20,000
- ₹1,00,000
- Min CIBIL
- 720Best
- 750
- 750
- Invite only
| Attribute ↓ | Column A | Column B | ★ Overall pick Column C |
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 77 | 75 | 82Best |
| Rating Verdict | Very Good | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 24/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | ICICI Bank | SBI Card | HDFC Bank |
| Network | Visa | Visa | Mastercard |
| Card type | Co-branded | Regular | Premium |
| Best for | Rewards on Amazon Purchases | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow | Travel rewards |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | ₹499 | ₹2,500 |
| Annual fee | FreeBest | ₹499 | ₹2,500 |
| Fee waiver | FreeBest | ₹1,00,000 | ₹4,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 42%Best | 42%Best | 43.2% |
| APR (max) | 46% | 42%Best | 45% |
| Late payment fee | ₹1,300 | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | cashback | points | points |
| Min rate | 1% | 1.25% | 1.33%Best |
| Max rate | 5% | 10%Best | 6.67% |
| Points / ₹100 | — | 1 | 2.67Best |
| Point value | ₹1 | ₹0.25 | ₹0.5 |
| Monthly cap | — | ₹5,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 0 | 3Best |
| Lounge spend criteria | — | — | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | 0 | 0 | 6Best |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 1.99%Best | 3.5% | 2% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Min age | 21 | 21 | 21 |
| Min income / month | ₹20,000 | ₹20,000 | ₹1,00,000 |
| Min CIBIL | 720Best | 750 | 750 |
| Invite only | |||
| Rows won | 06of 13 | 02of 13 | 05of 13 |
Free tools
More CardCheck tools
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 provides better net value across rewards and fee structures.
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).