In the ever-expanding world of credit cards, choosing the right one can be a daunting task. Two popular options that often find themselves in the spotlight are the SBI SimplyClick Credit Card and the Amazon Pay ICICI Credit Card. Both cards cater to the digital-savvy consumer, offering attractive rewards and benefits for online shopping and digital transactions. This comprehensive comparison will delve into the features, rewards structures, and unique selling points of these two credit cards, helping you make an informed decision about which one aligns best with your spending habits and financial goals. After you determine which card to apply for, check your free CIBIL score on Wishfin’s portal. You can also view your detailed CIBIL report. Your credit score and credit history are important eligibility criteria which lenders look into before approving your credit card application. The higher your credit score, the simpler will be the approval of your application. A really low score will lead to the denial of your credit card application. So, the CIBIL score must be checked before approval to know where you stand. If your score does not meet the eligibility criteria set by the lender, then you must take steps to improve your score before you apply.
SBI SimplyClick Credit Card vs Amazon Pay ICICI Credit Card: A Detailed Comparison
| Feature | SBI SimplyClick Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
|
Annual fee |
Rs. 499 + taxes |
No joining fee or annual fee |
|
Reward Rate (Amazon) |
10x reward points on online spends with exclusive partners: 24/7/BookMyShow/Apollo/Dominos/Myntra/IGP/Netmeds/Yatra/Swiggy |
5% cashback for Prime members, 3% for non Prime members |
|
Reward Rate (Other Online Partners) |
10X reward points on exclusive partners like Cleartrip, BookMyShow, etc. |
2% cashback on Amazon Pay merchant partners |
|
Reward Rate (Other Online Spends) |
5X reward points |
2% cashback on payments to 100 plus partner merchants. |
|
Reward Rate (Other Spends) |
1 reward point per Rs. 100 spent |
1% cashback |
|
Welcome Benefit |
Amazon.in gift card worth Rs. 500 on payment of annual fee |
None mentioned |
|
Milestone Benefit |
e-Vouchers worth Rs. 2,000 each on annual online spends of Rs. 1 lakh and Rs. 2 lakhs respectively. |
None mentioned |
|
Fuel Surcharge Waiver |
1% fuel surcharge waiver (Rs. 100 per statement cycle) for each transaction between Rs. 500 to Rs. 3000 |
Not specified |
|
Dining benefits |
No specific dining benefits |
15% off on dining payments with partnered restaurants under ICICI Bank's Culinary Treats Program |
|
EMI Options |
No-cost EMI for 3 & 6 months on Amazon.in |
Exclusive 6-month no-cost EMI on millions of products on Amazon.in |
|
Reward Point Value |
1 Reward point = Re 1 |
1 Cashback point = Re. 1 |
|
Reward Expiry |
No expiry on reward points |
No expiry on cashback points |
SBI SimplyCLICK Credit Card vs Amazon Pay ICICI Credit Card - Key Differences
- Annual Fee: The SBI SimplyClick card has an annual fee of Rs. 499 + taxes, which can be waived if you spend Rs. 1 lakh in the previous year. The Amazon Pay ICICI card is lifetime free.
- Reward Structure: While both cards offer enhanced rewards for online shopping, the SBI card uses a point-based system, whereas the Amazon Pay card offers direct cashback.
- Amazon-specific Benefits: The Amazon Pay ICICI card offers higher rewards specifically for Amazon.in purchases, especially for Prime members.
- Partner Ecosystems: The SBI card has its own set of exclusive online partners, while the Amazon Pay card leverages Amazon’s extensive merchant network.
- Welcome Benefits: The SBI card offers a welcome gift of an Amazon.in gift card. The Amazon Pay ICICI card does not offer welcome benefits.
- Milestone Benefits: The SBI card offers additional e-vouchers for reaching certain spending milestones, a feature not advertised for the Amazon Pay card.
SBI SimplyCLICK Credit Card vs Amazon Pay ICICI Credit Card - Which Card Should You Choose?
The choice between these two cards largely depends on your spending habits and preferences:
- If you’re a frequent Amazon shopper and Prime member, the Amazon Pay ICICI Credit Card might offer more value with its higher cashback on Amazon purchases and no annual fee.
- If you shop across various online platforms and can benefit from SBI’s partner offers, the SimplyClick card could be more rewarding, especially if you can easily meet the spend criteria to waive the annual fee.
Both cards offer attractive rewards for online shopping, so consider your specific needs and spending patterns when making your decision.
FREQUENTLY ASKED QUESTIONS
1. Is there a cap on reward points or cashback for the SBI SimplyClick and Amazon Pay ICICI Credit Cards?
The SBI SimplyClick Credit Card has a maximum cap of earning 10,000 reward points in a month. The Amazon Pay ICICI Credit Card does not mention any specific cap on cashback earnings.
2. Is there an annual fee waiver option for these cards?
SBI SimplyClick:
- Annual fee of Rs. 499 + taxes is reversed if annual spends exceed Rs. 1,00,000.
Amazon Pay ICICI:
- No annual fee waiver required as it’s a lifetime free card.
3. By what time should I use the rewards earned on the Amazon Pay ICICI credit card?
There is no expiry date for the rewards earned on the Amazon Pay ICICI credit card.
4. What are the advantages of the SBI SimplyClick Credit Card?
Frequent online shoppers can enjoy exclusive benefits with the SBI SimplyClick Credit Card, especially when making purchases on partner platforms like UrbanClap, BookMyShow, FoodPanda, and Cleartrip. 10x reward points are accumulated on these partner websites, and these can be redeemed for gift vouchers. Further, cardholders can get an annual fee waiver on spends of Rs. 1 lakh in a year.
5. Do the credit cards, SBI SimplyClick Credit Card and Amazon Pay ICICI Credit Card offer any travel benefits?
The SBI SimplyClick credit card offers travel benefits as follows:
SBI SimplyClick:
- 10X reward points on Cleartrip and Yatra.
- e-Vouchers worth Rs. 2,000 each on achieving annual online spends of Rs. 1 lakh and Rs. 2 lakhs, which can be used on Cleartrip or Yatra.
Amazon Pay ICICI: This card does not give any specific travel benefits.
