Amazon Pay ICICI Bank Credit Card vs SimplyCLICK SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: SimplyCLICK SBI Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Amazon Pay ICICI Bank Credit Card (Lifetime Free) vs SimplyCLICK SBI Card (₹499/yr).
- Base Reward Rate: Amazon Pay ICICI Bank Credit Card (1% Cashback) vs SimplyCLICK SBI Card (1 pts/₹100).
- Lounge Access: Amazon Pay ICICI Bank Credit Card (0 dom) vs SimplyCLICK SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2ICICI Bank · fee ₹0
Smart verdict
Get the SimplyCLICK SBI Card — it earns you +₹160/yr over the Amazon Pay ICICI Bank Credit Card, mostly from your utilities & bills spend.
Why the winner can show fewer rewards: recurring rewards are only one part of net value. SimplyCLICK SBI Card is ahead after adding milestone benefits and subtracting the effective annual fee; compare those three lines before choosing a card.
How Your Spends Convert to Rewards
Live calculation breakdown for Amazon Pay ICICI Bank Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Utilities & Bills | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Insurance | ₹1,500/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 2% Cashback | ₹120 | ₹1,440/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2% Cashback | ₹40 | ₹480/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 5% Cashback | ₹175 | ₹2,100/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1% Cashback | ₹50 | ₹600/yr | Active Earn |
Groceries | ₹7,000/mo | 1% Cashback | ₹70 | ₹840/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1% Cashback | ₹30 | ₹360/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Amazon Pay ICICI Bank Credit CardICICI Bank | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Joining fee | Nil | ₹499 |
| Annual fee | Lifetime free | ₹499/yr |
| Fee waiver | — | Spend ₹1,00,000/yr |
| Base reward | 1% cashback | 1 pts / ₹100 |
| Top reward categories | 5% amazon, 2% online | 5x online |
| Redemption friction | Auto credit | Moderate |
| Point expiry | Never expire | 24 months |
| Lounge access | None | None |
| Forex markup | 1.99% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | ₹2.4L/yr | Not stated |
| Min income · self-employed | ₹3.6L/yr | Not stated |
| Eligibility (as stated) | Salaried Rs.20,000/month; Self-employed Rs.30,000/month | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Verdict at a Glance
Choose Amazon Pay ICICI Bank Credit Card if your monthly spending is focused on amazon, online and you want a 100% Lifetime Free card without fee waiver anxiety.
Choose SimplyCLICK SBI Card if you spend heavily on online.
Amazon Pay ICICI Bank Credit Card vs SimplyCLICK SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
SimplyCLICK SBI Card
At ₹25,000/month, SimplyCLICK SBI Card nets ₹5,275/yr vs Amazon Pay ICICI Bank Credit Card at ₹3,300/yr — a ₹1,975 edge.
SimplyCLICK SBI Card
At ₹50,000/month, SimplyCLICK SBI Card nets ₹6,460/yr vs Amazon Pay ICICI Bank Credit Card at ₹6,300/yr — a ₹160 edge.
Amazon Pay ICICI Bank Credit Card
At ₹1,00,000/month, Amazon Pay ICICI Bank Credit Card nets ₹12,480/yr vs SimplyCLICK SBI Card at ₹8,860/yr — a ₹3,620 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Amazon Pay ICICI Bank Credit Card or SimplyCLICK SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), SimplyCLICK SBI Card comes out ahead by about ₹160 per year, driven mostly by utilities & bills spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Amazon Pay ICICI Bank Credit Card or SimplyCLICK SBI Card?▼
Amazon Pay ICICI Bank Credit Card earns 1% as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Amazon Pay ICICI Bank Credit Card and SimplyCLICK SBI Card?▼
Amazon Pay ICICI Bank Credit Card: lifetime free. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do Amazon Pay ICICI Bank Credit Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Amazon Pay ICICI Bank Credit Card excludes fuel, rent, utilities, insurance; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is Amazon Pay ICICI Bank Credit Card ever the better pick over SimplyCLICK SBI Card?▼
Within a normal spend range at ₹50,000/month, SimplyCLICK SBI Card stays ahead. Amazon Pay ICICI Bank Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.