SimplyCLICK SBI Card vs Amazon Pay ICICI

Reviewed by Chandan Kumar Dash

Amazon Pay ICICI has the lower annual fee (Free against ₹499). SimplyCLICK SBI Card waives its fee on ₹1,00,000 of spend a year; Amazon Pay ICICI has no spend waiver. For spends abroad, Amazon Pay ICICI charges the lower forex markup (1.99% plus GST). On all three sample spends below, Amazon Pay ICICI comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

Feature	SimplyCLICK SBI CardSBI Card0 wins	Amazon Pay ICICIICICI3 wins · ahead
Annual fee	₹499	LowerFree
Joining fee	₹499	LowerFree
Fee waiver	Waived on ₹1,00,000 spend a year	No fee to waive
Rewards	10X Reward Points on online spends with exclusive partners, 5X on other online spends	5% on Amazon for Prime members, 3% for non-Prime, 2% at 100+ partner merchants, 1% elsewhere
Airport lounges	None listed	None listed
Forex markup	3.5% plus GST	Lower1.99% plus GST
Points	Reward Points, about ₹0.25 a point	Cashback or not listed
Published minimum income and age	Not published	Not published
Network	Mastercard	Visa
Apply	ApplyAffiliate link	Bank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	SimplyCLICK SBI Card	Amazon Pay ICICI
Everyday spender₹30,000 a month	₹2,850 a year₹2,850 rewards, no fee to pay	More₹4,260 a year₹4,260 rewards, no fee to pay
Online shopper₹50,000 a month	₹7,575 a year₹7,575 rewards, no fee to pay	More₹10,320 a year₹10,320 rewards, no fee to pay
Frequent traveller₹1,00,000 a month	₹11,310 a year₹11,310 rewards, no fee to pay	More₹13,920 a year₹13,920 rewards, no fee to pay

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, SimplyCLICK SBI Card or Amazon Pay ICICI?

On all three sample spends below, Amazon Pay ICICI comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

Amazon Pay ICICI (Free against ₹499). SimplyCLICK SBI Card waives it on ₹1,00,000 of spend a year.

Add a third card SimplyCLICK SBI Card Amazon Pay ICICI

More comparisons

Spot a mistake on this page? Tell us