Head-to-head

SBI Card SimplyCLICK vs Amazon Pay ICICI Credit Card

First-card favourites for online shoppers — voucher milestones vs straight Amazon cashback.

SBI Card SimplyCLICK

State Bank of India

4.3

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Amazon Pay ICICI Credit Card

ICICI Bank

4.6

Apply →

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

Provisional comparison: some conditions or reward ceilings still need verification. Treat the figures as examples, not a definitive winner.

On estimated renewal-year value (rewards + milestones − applicable fee including GST), the Amazon Pay ICICI Credit Card wins 2 of our 3 modelled spending patterns. The SBI Card SimplyCLICK takes the rest — so the right answer still depends on your mix. For a personal answer, put your real numbers into the recommender.

Net annual value, three ways

Ordinary eligible purchases, with no specific merchant channel assumed. Fees include GST after modelled waivers; only modelled milestones are included. Unsupported UPI earns zero. Welcome bonuses, transaction rounding and redemption costs are excluded. Methodology

Spending pattern	SBI Card SimplyCLICK	Amazon Pay ICICI Credit Card	Higher estimate
Everyday spender₹35,000/mo	₹1,620/yr	₹3,120/yr	Amazon Pay ICICI
Online-first shopper₹55,000/mo	₹8,050/yr	₹5,640/yr	SBI Card SimplyCLICK
Frequent traveller₹1,10,000/mo	₹6,410/yr	₹10,440/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	—	₹30,000/mo
Our rating	4.3 / 5	4.6 / 5

Verified 2026-09-10 (SBI Card) · 2026-09-10 (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 estimate eligible ordinary rewards and modelled milestones, then subtract the renewal fee including GST after any modelled qualifying-spend waiver. Welcome bonuses and unconfirmed conditions are excluded. No merchant channel is assumed. Incomplete rules or caps make a comparison provisional; see the methodology.

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