Annual Fee
₹499
Free
Joining Fee
₹499
Free
Fee Waiver Spend
₹1,00,000
N/A
Forex Markup
3.5%
1.99%
Card Comparison
SBI SimplyCLICK vs Amazon Pay ICICI
SBI SimplyCLICK vs Amazon Pay ICICIcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Quick take
How they compare
SBI SimplyCLICK and Amazon Pay ICICI 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
SBI SimplyCLICK
- Annual fee
- ₹499 + GST
- Everyday rate
- 0.3%
- Monthly cap
- ₹10,000/mo
Notable strengths
- Flat rewards on every spend
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
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
62 specs · 14 sections
SBI SimplyCLICK
Amazon Pay ICICI Bank
Feature
SBI SimplyCLICK
Amazon Pay ICICI Bank
Reward Type
Reward Points
Cashback
Base Rate
0.25%
1%
Online Rate
1.25%
1%
Offline Rate
0.25%
1%
Effective Base Rate
0.25%
1%
Point Value
₹0.25
₹1
Redemption Quality
MEDIUM
HIGH
Best Redemption
₹0.25
₹1
Worst Redemption
₹0.15
₹1
Amazon
1.25%
5%
Amazon Pay Partners
—
2%
Apollo Pharmacy
2.5%
—
Bookmyshow
2.5%
—
Cleartrip
2.5%
—
Grocery / Supermarkets
1.25% online / 0.25% offline
1%
Fuel / Petrol / Diesel / CNG
0% (Excluded)
0% (Excluded)
Restaurants / Dine-in
1.25% online / 0.25% offline
1%
Flights, Hotels, OTAs, Tour Operators
1.25% online / 0.25% offline
1%
Other Retail / Catch-all
1.25% online / 0.25% offline
1%
Monthly Cap
₹10,000
No cap
Est. Annual Cap
₹1,20,000
No cap
Total Excluded
6 categories
8 categories
Electricity, Water, Gas, Internet, DTH, Mobile Recharge
Earns rewards
Excluded
Education / School / College Fees
Earns rewards
Excluded
Online Gaming / Betting
Excluded
Earns rewards
International Transactions
Earns rewards
Excluded
Domestic Visits/Year
None
None
International Visits/Year
None
None
Priority Pass
No
No
Est. Annual Value
—
—
Forex Markup
3.5%
1.99%
Description
Amazon Gift Card Worth Rs. 500
—
Estimated Value
₹400
—
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
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.
Online Shopping, Amazon
Min Income
Not specified
₹20,000/month
Income Proof
Required
Required
Secured FD
No
No
Accepting Applications
Yes
Yes
Network
Mastercard
Visa
Card Tier
Entry
Entry
Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)
None
2% surcharge
Third-party wallet loads > ₹5,000
None
1% surcharge
Transport > ₹50,000
None
1% surcharge
Still weighing your options?
Other popular matchups to line up against your shortlist.
HDFC Millennia vs HDFC MoneyBack PlusAxis Atlas vs Axis MagnusHDFC Millennia vs HDFC Regalia GoldHDFC INFINIA Metal vs ICICI EmeraldeAxis Atlas vs HSBC TravelOneHDFC INFINIA Metal vs HDFC Regalia GoldAxis Magnus vs HDFC INFINIA MetalAmazon Pay ICICI vs Cashback SBICashback SBI vs HDFC MillenniaAxis Atlas vs HDFC Regalia GoldAxis Burgundy Private vs HDFC INFINIA MetalHDFC Diners Club Black Metal Edition vs HDFC INFINIA MetalAmerican Express Platinum Travel vs HDFC Regalia GoldHDFC Diners Club Black Metal Edition vs HDFC Regalia GoldAmerican Express Platinum Travel vs Axis AtlasICICI Emeralde vs ICICI SapphiroCashback SBI vs Tata Neu Infinity HDFCHDFC Regalia Gold vs SBI ELITEAxis ACE vs Axis My ZoneAmazon Pay ICICI vs Flipkart AxisHDFC Regalia Gold vs Tata Neu Infinity HDFCHDFC Diners Club Black Metal Edition vs ICICI EmeraldeHDFC Regalia Gold vs ICICI SapphiroCashback SBI vs HSBC Live+Axis Magnus vs ICICI EmeraldeHDFC Regalia Gold vs HSBC TravelOneHDFC Millennia vs Tata Neu Infinity HDFCAxis Magnus vs HDFC Diners Club Black Metal EditionAmazon Pay ICICI vs HDFC MillenniaHDFC INFINIA Metal vs Yes MarqueeHDFC Regalia Gold vs ICICI EmeraldeAmerican Express Platinum Travel vs HSBC TravelOneYes Marquee vs YES RESERVAxis Atlas vs HDFC INFINIA MetalAxis Atlas vs Yes MarqueeAxis ACE vs Cashback SBIAxis ACE vs HDFC MillenniaICICI Sapphiro vs SBI ELITECashback SBI vs SBI SimplyCLICKHDFC INFINIA Metal vs HSBC TravelOneAmerican Express Platinum Travel vs HDFC INFINIA MetalAxis Atlas vs HDFC Diners Club Black Metal EditionAxis Atlas vs ICICI EmeraldeAxis Magnus vs HDFC Regalia GoldCashback SBI vs Flipkart AxisCashback SBI vs HDFC Regalia GoldHDFC INFINIA Metal vs SBI ELITEHSBC Live+ vs HSBC TravelOneBPCL SBI Octane vs SBI SimplyCLICKHDFC Millennia vs SBI SimplyCLICKHSBC Live+ vs Tata Neu Infinity HDFCAxis Atlas vs ScapiaAxis Magnus vs HSBC TravelOneAxis Magnus vs Yes MarqueeAirtel Axis vs Axis ACEAxis ACE vs Tata Neu Infinity HDFCAirtel Axis vs Cashback SBIAmerican Express Platinum Charge Card vs HDFC INFINIA MetalHDFC INFINIA Metal vs HDFC MillenniaHDFC INFINIA Metal vs Tata Neu Infinity HDFCFlipkart Axis vs HDFC MillenniaHDFC Millennia vs HSBC Live+Axis Burgundy Private vs Axis MagnusAxis ACE vs HSBC Live+ICICI Sapphiro vs IDFC FIRST WealthBPCL SBI Octane vs Cashback SBICashback SBI vs HDFC MoneyBack PlusSBI ELITE vs SBI SimplyCLICKHDFC Regalia Gold vs ScapiaHSBC TravelOne vs ScapiaAmerican Express Platinum Travel vs Axis MagnusAxis Magnus vs ICICI SapphiroAxis Magnus vs SBI ELITEAirtel Axis vs Axis My ZoneAxis My Zone vs HDFC MillenniaAmazon Pay ICICI vs ICICI SapphiroAirtel Axis vs Amazon Pay ICICIHDFC INFINIA Metal vs ICICI SapphiroHDFC Millennia vs ICICI SapphiroHDFC Millennia vs SBI ELITEHDFC MoneyBack Plus vs HDFC Regalia GoldHDFC Regalia Gold vs IDFC FIRST WealthAirtel Axis vs Flipkart AxisAxis Atlas vs Cashback SBIAxis Atlas vs SBI ELITEAxis Atlas vs ICICI SapphiroAxis Atlas vs Axis My ZoneAxis Atlas vs Tata Neu Infinity HDFCAxis ACE vs Axis AtlasICICI Emeralde vs SBI ELITEHDFC Diners Club Black Metal Edition vs ICICI SapphiroHSBC TravelOne vs ICICI SapphiroCashback SBI vs SBI ELITEHDFC MoneyBack Plus vs SBI SimplyCLICKHSBC TravelOne vs SBI ELITECashback SBI vs HDFC INFINIA MetalHDFC INFINIA Metal vs ScapiaHDFC INFINIA Metal vs IDFC FIRST WealthAirtel Axis vs Tata Neu Infinity HDFCAxis Burgundy Private vs IDFC FIRST WealthHDFC Diners Club Black Metal Edition vs HSBC TravelOneAmazon Pay ICICI vs HDFC Regalia GoldAxis Burgundy Private vs ICICI EmeraldeSBI ELITE vs Tata Neu Infinity HDFCBPCL SBI Octane vs HDFC MillenniaAmazon Pay ICICI vs Tata Neu Infinity HDFCAmerican Express Platinum Travel vs SBI ELITEHDFC Millennia vs IDFC FIRST WealthIDFC FIRST Wealth vs ScapiaICICI Sapphiro vs ScapiaICICI Emeralde vs Yes MarqueeAxis Magnus vs Axis My ZoneAxis ACE vs Axis MagnusAxis ACE vs SBI SimplyCLICKAmazon Pay ICICI vs HDFC MoneyBack PlusAxis Burgundy Private vs ICICI SapphiroBPCL SBI Octane vs SBI ELITEAirtel Axis vs HDFC MillenniaICICI Sapphiro vs Tata Neu Infinity HDFCAmerican Express Platinum Charge Card vs American Express Platinum TravelAmazon Pay ICICI vs ScapiaAmerican Express Platinum Travel vs ScapiaHDFC Millennia vs ScapiaCashback SBI vs ScapiaScapia vs Tata Neu Infinity HDFCHSBC TravelOne vs ICICI Emeralde
Frequently asked questions
- What are the annual fees for SBI SimplyCLICK Credit Card and Amazon Pay ICICI Bank Credit Card?
- SBI SimplyCLICK Credit Card has ₹499 + GST. Amazon Pay ICICI Bank Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- SBI SimplyCLICK Credit Card earns about 0.25% on general spends; Amazon Pay ICICI Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.
- Do online and offline rewards differ between them?
- SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline. Amazon Pay ICICI Bank Credit Card: same rate online and offline.
- What is the forex markup on each card?
- SBI SimplyCLICK Credit Card: 3.5%. Amazon Pay ICICI Bank Credit Card: 1.99% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- SBI SimplyCLICK Credit Card: none specified. Amazon Pay ICICI Bank Credit Card: yes — see the lounge row above for limits.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: SBI Card - SBI SimplyCLICK · ICICI Bank - Amazon Pay ICICI