Head-to-head · Updated July 2026
SBI Card SimplyCLICK vs Amazon Pay ICICI Credit Card
First-card favourites for online shoppers — voucher milestones vs straight Amazon cashback.
If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.
Our verdict
On steady-state net value (rewards + milestones − annual fee), the Amazon Pay ICICI Credit Card wins 3 of our 3 modelled spending patterns. The SBI Card SimplyCLICK trails across the board on these profiles. For a personal answer, put your real numbers into the recommender.
Net annual value, three ways
Verified reward rates and caps applied to three monthly spending patterns; milestones included, welcome bonuses excluded. Methodology
| Spending pattern | SBI Card SimplyCLICK | Amazon Pay ICICI Credit Card | Better pick |
|---|---|---|---|
| Everyday spender₹35,000/mo | ₹6,441/yr | ₹7,560/yr | Amazon Pay ICICI |
| Online-first shopper₹55,000/mo | ₹11,091/yr | ₹17,160/yr | Amazon Pay ICICI |
| Frequent traveller₹1,10,000/mo | ₹10,851/yr | ₹20,400/yr | Amazon Pay ICICI |
Side by side
| SBI Card SimplyCLICK | Amazon Pay ICICI Credit Card | |
|---|---|---|
| Joining fee | ₹499 | Lifetime free |
| Annual fee | ₹499 | Lifetime free |
| Fee waiver | Renewal fee of ₹499 reversed on annual spends of ₹1,00,000 or more in the preceding year | Lifetime free; no joining or annual fee |
| Top reward rate | 2.5% | 5% |
| Base reward rate | 0.25% | 1% |
| Welcome bonus value | ₹500 | — |
| Forex markup | 3.5% | 1.99% |
| Lounge access | — | — |
| Min salaried income | — | ₹20,000/mo |
| Our rating | 4.3 / 5 | 4.6 / 5 |
Verified 2026-06-11 (SBI Card) · 2026-06-11 (Amazon Pay). Confirm current terms on the issuer's site.
Frequently asked
Is the SBI Card SimplyCLICK better than the Amazon Pay ICICI Credit Card?
For most of the spending patterns we model, the Amazon Pay ICICI Credit Card comes out ahead on net annual value (rewards minus fees). The SBI Card SimplyCLICK still wins for some profiles — check the persona table for the pattern closest to yours.
Which card has the lower annual fee?
Amazon Pay ICICI Credit Card has the lower annual fee (Lifetime free vs ₹499), before any waiver conditions.
Can I hold both cards?
Yes — banks assess each application independently, and pairing complementary cards is a common strategy. Mind the combined fees, your credit utilisation, and space out applications so multiple hard enquiries don't dent your score.
How is the net value calculated?
We apply each card's verified reward rates and caps to a monthly spend pattern, add unlocked milestone benefits, and subtract the annual fee — steady-state, excluding one-time welcome bonuses. The full formula is on our methodology page.