Head-to-head · 🇮🇳 India
SBI SimplyClick vs Amazon Pay ICICI
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 4 of 10
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 3 of 10
Verdict
SBI SimplyClick wins 4-3. First card for online buyers, low entry fee Amazon Pay ICICI is still the right call if heavy amazon shoppers — best free card in india.
Side-by-side
| Criterion | SBI SimplyClick | Amazon Pay ICICI |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = ₹500 Amazon Pay balance on first transaction |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | = ₹300,000 | = ₹300,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
FAQ
›SBI SimplyClick vs Amazon Pay ICICI: which is better?
SBI SimplyClick wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, Amazon Pay ICICI for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction.