Tata Neu Infinity HDFC Bank vs Amazon Pay ICICI Bank
Tata Neu Infinity HDFC Bank by ₹5,100 a year at ₹75,000 a month
SimplyCLICK SBI Card vs Amazon Pay ICICI Bank
SBI Card
Amazon Pay ICICI Bank vs SimplyCLICK SBI Card: which should you pick?
The two online-shopping entry cards. SimplyCLICK pays 10X at eleven partners including Cleartrip, Yatra, Myntra and Swiggy and 5X on other online spend up to 10,000 points a month, in SBI Reward Points at four to the rupee, so 2.5% and 1.25%, and 0.25% offline; Amazon Pay ICICI pays 5% on Amazon.in for Prime members and 1% almost everywhere else, uncapped, as Amazon Pay balance. Amazon Pay ICICI out-earns SimplyCLICK at every spend level the page tests. It is lifetime free with 1.99% forex, against ₹499 waived at ₹1,00,000 of spend and 3.5%, and neither has a lounge. SimplyCLICK's case is the door: ICICI calls the Amazon card an invite-only programme, and SBI's is open to apply.
At every spend from ₹25,000 to ₹5 lakh a month, Amazon Pay ICICI Bank beats SimplyCLICK SBI Card, and its lead widens from ₹1,800 to ₹36,300 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Amazon Pay ICICI Bank returns ₹7,600 a year in rewards to SimplyCLICK SBI Card's ₹2,100. On the rows below, SimplyCLICK SBI Card has no clear edge over Amazon Pay ICICI Bank. Amazon Pay ICICI Bank is by invitation only; SimplyCLICK SBI Card is the one you can apply for directly.
SimplyCLICK SBI Card pays 2 annual spend milestones, the first at ₹1,00,000 a year, and Amazon Pay ICICI Bank pays none.
Side by side
| Fact | SimplyCLICK SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| Can you get it | Open to apply✓ Better | By invitation only |
| Fee (joining · annual, + GST) | ₹499/yr | ₹0 — lifetime free✓ Better |
| Fee waiver | Spend ₹1,00,000 a year | None |
| Reward rate on everyday spend | 0.3% | 1.0%✓ Better |
| Points | SBI Reward Points | Amazon Pay balance |
| Our value per point | ₹0.25 † | ₹1.00 |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 0 of 792 |
| Forex markup | 3.5% + GST | 1.99% + GST✓ Better |
| Welcome benefit | An Amazon.in e-gift card worth ₹500 on payment of the ₹499 annual fee — the fee back, in Amazon credit | not published |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Amazon Pay ICICI Bank is ahead on 9 of the 10 rows we can call.
More facts 8 rows
| Fact | SimplyCLICK SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| Our rank | #267 | Not ranked (invite-only) |
| Our verdict | Keep | Keep |
| Lounge visits in India | None — no complimentary lounge access | None |
| Lounge visits abroad | None | None |
| Forex, in the bank’s words | 3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers | 1.99% + GST — named as exception 4 to ICICI's 3.50% standard in the master MITC |
| Interest (APR) | up to 3.75%/mo (45%/yr) — the SBI MITC's rate for every unsecured card | 3.75%/mo (45%/yr) |
| Income needed (salaried) | not published | ₹20,000+/month (product page eligibility panel) |
| Income needed (self-employed) | not published | ₹30,000+/month (product page eligibility panel) |
† SimplyCLICK SBI Card: SBI Reward Points are 4 to the rupee against the rewards catalogue — ₹0.25 a point, and that is both the floor and the ceiling. They reach no airline, no hotel and no transfer partner of any kind, so the travel value on this card lives entirely in the Cleartrip and Yatra earn and the Cleartrip and Yatra vouchers, not in the currency. Points expire 24 months from accrual, and after a voluntary card closure you get 30 days to redeem before the balance lapses — close the card any other way and it is forfeited outright.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | SimplyCLICK SBI Card | Amazon Pay ICICI Bank |
|---|---|---|
| At ₹30,000 a month | ₹800 | ₹3,000✓ Better |
| At ₹75,000 a month | ₹2,100 | ₹7,600✓ Better |
| At ₹1.5 lakh a month | ₹4,200 | ₹15,100✓ Better |
| At ₹3 lakh a month | ₹8,500 | ₹30,200✓ Better |
| At ₹5 lakh a month | ₹14,100 | ₹50,400✓ Better |
| Pays for itself from | ₹9,000 a month, by waiving its fee | The first rupee✓ Better |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | SimplyCLICK SBI Card | Amazon Pay ICICI Bank | Ahead |
|---|---|---|---|
| ₹25,000 | ₹700 | ₹2,500✓ Better | Amazon Pay ICICI Bank by ₹1,800 |
| ₹50,000 | ₹1,400 | ₹5,000✓ Better | Amazon Pay ICICI Bank by ₹3,600 |
| ₹75,000 | ₹2,100 | ₹7,600✓ Better | Amazon Pay ICICI Bank by ₹5,500 |
| ₹1 lakh | ₹2,800 | ₹10,100✓ Better | Amazon Pay ICICI Bank by ₹7,300 |
| ₹1.25 lakh | ₹3,500 | ₹12,600✓ Better | Amazon Pay ICICI Bank by ₹9,100 |
| ₹1.5 lakh | ₹4,200 | ₹15,100✓ Better | Amazon Pay ICICI Bank by ₹10,900 |
| ₹1.75 lakh | ₹4,900 | ₹17,600✓ Better | Amazon Pay ICICI Bank by ₹12,700 |
| ₹2 lakh | ₹5,600 | ₹20,200✓ Better | Amazon Pay ICICI Bank by ₹14,600 |
| ₹2.25 lakh | ₹6,300 | ₹22,700✓ Better | Amazon Pay ICICI Bank by ₹16,400 |
| ₹2.5 lakh | ₹7,100 | ₹25,200✓ Better | Amazon Pay ICICI Bank by ₹18,100 |
| ₹2.75 lakh | ₹7,800 | ₹27,700✓ Better | Amazon Pay ICICI Bank by ₹19,900 |
| ₹3 lakh | ₹8,500 | ₹30,200✓ Better | Amazon Pay ICICI Bank by ₹21,700 |
| ₹3.25 lakh | ₹9,200 | ₹32,800✓ Better | Amazon Pay ICICI Bank by ₹23,600 |
| ₹3.5 lakh | ₹9,900 | ₹35,300✓ Better | Amazon Pay ICICI Bank by ₹25,400 |
| ₹3.75 lakh | ₹10,600 | ₹37,800✓ Better | Amazon Pay ICICI Bank by ₹27,200 |
| ₹4 lakh | ₹11,300 | ₹40,300✓ Better | Amazon Pay ICICI Bank by ₹29,000 |
| ₹4.25 lakh | ₹12,000 | ₹42,800✓ Better | Amazon Pay ICICI Bank by ₹30,800 |
| ₹4.5 lakh | ₹12,700 | ₹45,400✓ Better | Amazon Pay ICICI Bank by ₹32,700 |
| ₹4.75 lakh | ₹13,400 | ₹47,900✓ Better | Amazon Pay ICICI Bank by ₹34,500 |
| ₹5 lakh | ₹14,100 | ₹50,400✓ Better | Amazon Pay ICICI Bank by ₹36,300 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 and 0
SimplyCLICK SBI Card's SBI Reward Points cannot be moved to any airline or hotel; Amazon Pay ICICI Bank's Amazon Pay balance cannot be moved to any.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
SimplyCLICK SBI Card
- 0.25% on everything offline — one Reward Point per ₹100 at four points to the rupee
- No lounge access of any kind, domestic or international, and 3.5% forex
- SBI Reward Points reach no airline and no hotel programme — ₹0.25 in the catalogue is the floor and the ceiling
Amazon Pay ICICI Bank
- International spends have earned ZERO rewards since 11 Oct 2025 — the T&C says so, the product page does not
- No lounge access of any kind, domestic or international
- Amazon Pay balance is a closed wallet: no transfers, no airline, no cash-out
Common questions 5 answered
Which is better, SimplyCLICK SBI Card or Amazon Pay ICICI Bank?
At every spend from ₹25,000 to ₹5 lakh a month, Amazon Pay ICICI Bank beats SimplyCLICK SBI Card, and its lead widens from ₹1,800 to ₹36,300 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Amazon Pay ICICI Bank returns ₹7,600 a year in rewards to SimplyCLICK SBI Card's ₹2,100. On the rows below, SimplyCLICK SBI Card has no clear edge over Amazon Pay ICICI Bank. Amazon Pay ICICI Bank is by invitation only; SimplyCLICK SBI Card is the one you can apply for directly.
SimplyCLICK SBI Card or Amazon Pay ICICI Bank: which is worth more at ₹3 lakh a month?
Amazon Pay ICICI Bank beats SimplyCLICK SBI Card by ₹21,700 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, SimplyCLICK SBI Card or Amazon Pay ICICI Bank?
Amazon Pay ICICI Bank: ₹0 — lifetime free against ₹499/yr. SimplyCLICK SBI Card waives its fee if you spend ₹1,00,000 a year; Amazon Pay ICICI Bank has no fee waiver.
Which gets you into more airport lounges, SimplyCLICK SBI Card or Amazon Pay ICICI Bank?
Both get you into 0 of the 792 lounges we track.
How current is this comparison?
SimplyCLICK SBI Card was last checked against its bank's own documents on 3 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
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- What Amazon Pay balance are worth
- Amazon Pay ICICI Bank: joint #1 for Amazon & Flipkart
- Credit card forex markup in India, bank by bank
- SimplyCLICK SBI Card vs HDFC Bank Millennia
- SimplySAVE SBI Card vs SimplyCLICK SBI Card
- Amazon Pay ICICI Bank vs HDFC Bank Millennia
- Flipkart SBI Card vs Amazon Pay ICICI Bank
- CASHBACK SBI Card vs Amazon Pay ICICI Bank
- Swiggy BLCK HDFC Bank Credit Card vs Amazon Pay ICICI Bank
Sources
SimplyCLICK SBI Card was last checked against its bank's own documents on 3 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every fact above comes from these 10 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 10 sources
- Official SBI's Reward Point terms for this card — the 5X cap at 10,000 points a month, the affiliate- channel carve-out on Cleartrip and Yatra, and the rent, government and gaming exclusions read
- Official SBI's own product record — the eleven 10X partners including Cleartrip and Yatra, the ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of online spend, and isOnline "yes" read
- Official The card's own Terms & Conditions — the exclusion list, the 24-month point expiry and the 30-day window to redeem after closing the card read
- Official SBI's MITC — SimplyCLICK SBI Card ₹499 annual and renewal, waived on ₹1 lakh of spend in the preceding year, and a 3.5% foreign-currency transaction fee read
- Official Key Fact Statement — SimplyCLICK ₹499 joining and ₹499 renewal, waived on ₹1 lakh of spend in the preceding year read
- Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against read
- Official ICICI's credit-card charges notice — 2% on skill-based gaming and 1% on wallet loads of ₹5,000+ from 15 Jan 2026; 1% on transportation spends past ₹50,000 from 1 Feb 2026 read
- Official Product page — no joining fee, no annual fee, 1.99% forex mark-up, and 5%/3%/2%/1% rewards credited as Amazon Pay balance read
- Official Card T&C (last updated 12 Oct 2026), cl. XXIV — rewards credit to Amazon Pay balance, and international transactions have earned nothing since 11 Oct 2025 read
- Official MITC (re-issued October 2026) — Nil joining, Nil annual, Nil add-on; 1.99% forex named as exception 4 to the 3.50% standard read