SimplyCLICK SBI Card
SBI Card
Amazon Pay ICICI Bank Credit Card
ICICI Bank
SBI Card
ICICI BankAmazon Pay ICICI Bank Credit Card leads overall with a CardCheck Score of 77/100 (+2 pts over SimplyCLICK SBI Card).
4-Pillar Head-to-Head Breakdown
SimplyCLICK vs Amazon- CardCheck Score
- 75
- 77Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
- Bank
- SBI Card
- ICICI Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
- Rewards on Amazon Purchases
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹1,00,000
- FreeBest
- Interest-free days
- 50
- 50
- APR (min)
- 42%
- 42%
- APR (max)
- 42%Best
- 46%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- Reward type
- points
- cashback
- Min rate
- 1.25%Best
- 1%
- Max rate
- 10%Best
- 5%
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- ₹1
- Monthly cap
- ₹5,000
- —
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 1.99%Best
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- Min income / month
- ₹20,000
- ₹20,000
- Min CIBIL
- 750
- 720Best
- Invite only
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 77Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | ICICI Bank |
| Network | Visa | Visa |
| Card type | Regular | Co-branded |
| Best for | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow | Rewards on Amazon Purchases |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹1,00,000 | FreeBest |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42%Best | 46% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1.25%Best | 1% |
| Max rate | 10%Best | 5% |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | ₹1 |
| Monthly cap | ₹5,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.99%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹20,000 | ₹20,000 |
| Min CIBIL | 750 | 720Best |
| Invite only | ||
| Rows won | 03of 09 | 06of 09 |
| Key Specification | SimplyCLICK SBI Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 77/100Very Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹1L/yr | No waiver |
| Max Reward Potential | 10% | 5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 1.99% |
Choose SimplyCLICK SBI Card if:
Your spending centers around online shoppers — 10x on amazon, cleartrip, lenskart, bookmyshow and you want direct partner rewards with SBI Card.
Choose Amazon Pay ICICI Bank Credit Card if:
Your spending aligns with rewards on amazon purchases and you prioritize ICICI Bank's redemption benefits.
Free tools
More CardCheck tools
Frequently Asked Questions: SimplyCLICK SBI Card vs Amazon Pay ICICI Bank Credit Card
Which is better: SimplyCLICK SBI Card or Amazon Pay ICICI Bank Credit 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?
SimplyCLICK SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
How do the reward rates and cashback compare between SimplyCLICK SBI Card and Amazon Pay ICICI Bank Credit Card?
SimplyCLICK SBI Card offers a base reward rate of 1.25% and up to 10% on accelerated partner categories. Meanwhile, Amazon Pay ICICI Bank Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: SimplyCLICK SBI Card or Amazon Pay ICICI Bank Credit Card?
SimplyCLICK SBI Card provides no complimentary airport lounge access. On the other hand, Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access.
Which card is better for international foreign currency spends?
SimplyCLICK SBI Card levies a foreign currency markup fee of 3.5%, while Amazon Pay ICICI Bank Credit Card charges 1.99%. 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).