Annual Fee
Free
₹499
Joining Fee
Free
₹499
Fee Waiver Spend
N/A
₹1,00,000
Forex Markup
1.99%
3.5%
Card Comparison
Amazon Pay ICICI vs SBI SimplyCLICK
Amazon Pay ICICI vs SBI SimplyCLICKcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Quick take
How they compare
Amazon Pay ICICI and SBI SimplyCLICK suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹499 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
Amazon Pay ICICI
- Annual fee
- Free
- Everyday rate
- 1%
- Monthly cap
- No cap
Notable strengths
- Bonus rewards on Amazon (up to 5%)
- Direct cashback — nothing to redeem
- No monthly reward cap
SBI SimplyCLICK
- Annual fee
- ₹499 + GST
- Everyday rate
- 0.3%
- Monthly cap
- ₹10,000/mo
Notable strengths
- Flat rewards on every spend
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
62 specs · 14 sections
Amazon Pay ICICI Bank
SBI SimplyCLICK
Feature
Amazon Pay ICICI Bank
SBI SimplyCLICK
Reward Type
Cashback
Reward Points
Base Rate
1%
0.25%
Online Rate
1%
1.25%
Offline Rate
1%
0.25%
Effective Base Rate
1%
0.25%
Point Value
₹1
₹0.25
Redemption Quality
HIGH
MEDIUM
Best Redemption
₹1
₹0.25
Worst Redemption
₹1
₹0.15
Amazon
5%
1.25%
Amazon Pay Partners
2%
—
Apollo Pharmacy
—
2.5%
Bookmyshow
—
2.5%
Cleartrip
—
2.5%
Grocery / Supermarkets
1%
1.25% online / 0.25% offline
Fuel / Petrol / Diesel / CNG
0% (Excluded)
0% (Excluded)
Restaurants / Dine-in
1%
1.25% online / 0.25% offline
Flights, Hotels, OTAs, Tour Operators
1%
1.25% online / 0.25% offline
Other Retail / Catch-all
1%
1.25% online / 0.25% offline
Monthly Cap
No cap
₹10,000
Est. Annual Cap
No cap
₹1,20,000
Total Excluded
8 categories
6 categories
Electricity, Water, Gas, Internet, DTH, Mobile Recharge
Excluded
Earns rewards
Education / School / College Fees
Excluded
Earns rewards
Online Gaming / Betting
Earns rewards
Excluded
International Transactions
Excluded
Earns rewards
Domestic Visits/Year
None
None
International Visits/Year
None
None
Priority Pass
No
No
Est. Annual Value
—
—
Forex Markup
1.99%
3.5%
Description
—
Amazon Gift Card Worth Rs. 500
Estimated Value
—
₹400
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
Online Shopping, Amazon
individuals looking for an entry-level shopping credit card with minimal charges and a decent reward rate. Those who simply want an SBI Credit Card to enjoy ongoing offers can also consider this option, as it meets all the basic requirements and provides accelerated reward points across several popular brands and platforms.
Min Income
₹20,000/month
Not specified
Income Proof
Required
Required
Secured FD
No
No
Accepting Applications
Yes
Yes
Network
Visa
Mastercard
Card Tier
Entry
Entry
Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)
2% surcharge
None
Third-party wallet loads > ₹5,000
1% surcharge
None
Transport > ₹50,000
1% surcharge
None
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Frequently asked questions
- What are the annual fees for Amazon Pay ICICI Bank Credit Card and SBI SimplyCLICK Credit Card?
- Amazon Pay ICICI Bank Credit Card has no annual fee. SBI SimplyCLICK Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- Amazon Pay ICICI Bank Credit Card earns about 1% on general spends; SBI SimplyCLICK Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.
- Do online and offline rewards differ between them?
- Amazon Pay ICICI Bank Credit Card: same rate online and offline. SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline.
- What is the forex markup on each card?
- Amazon Pay ICICI Bank Credit Card: 1.99%. SBI SimplyCLICK Credit Card: 3.5% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits. SBI SimplyCLICK Credit Card: none specified.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: ICICI Bank - Amazon Pay ICICI · SBI Card - SBI SimplyCLICK