SBI SimplyCLICK Credit Card and Amazon Pay ICICI Bank Credit Card are two great entry-level credit cards. They offer a very fair selection of rewards and features in their respective sections. The rewards and the perks of having the right credit card also increase your value for money, and you also get a higher rate of return than simply paying for your expenses with cash.
The SBI SimplyCLICK and Amazon Pay ICICI are compared to outline their pros and cons, providing a clearer idea based on the card specifications, like annual fee, reward rate, lifestyle perks, and more.
SBI SimplyCLICK Credit Card
The SBI SimplyClick Credit Card is a popular entry-level card in its segment. It is ideal for online shopping, offering a high reward rate of 2.5% with popular brands. The card provides 5% rewards on Amazon, and for other online platforms, it offers a decent rate of 1.25%. For offline spending, the rewards rate is around 0.25%. The SimplyCLICK Credit Card has a joining or annual fee of ₹499 + GST. Listed below are additional features and benefits of having this credit card.
Welcome Benefit: Receive a ₹500 Amazon gift voucher as a welcome reward once you pay your joining fee. The voucher will be valid for 12 months from the date it is issued.
Reward Benefit: Earn 1 RP for every ₹100 spent on offline purchases, 10X RP on online purchases with partnered merchants, including BookMyShow, Dineout, Lenskart, Apollo24*7, etc., and 5X RP on all other online expenses.
Milestone Benefits: Earn a ₹2,000 e-voucher from ClearTrip with an annual spend of over ₹1 lakh. Receive another ₹2,000 e-voucher from ClearTrip if your yearly spending exceeds ₹2 lakh. The joining fee is waived for annual spending above ₹1 lakh.
The SBI SimplyCLICK Credit Card is among the most sought-after credit cards on the market, offering many exciting benefits and rewards.
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Credit Card is among the most popular credit cards in the market, well-suited to meet the shopping needs of every individual. This card offers a very good rewards system, giving cashback on your Amazon Pay that reflects directly in your Amazon Pay balance. It is more rewarding for Amazon Prime members, who can earn up to 5% cashback on Amazon purchases. Additional benefits include dining discounts of up to 15% and waivers at petrol stations across the country. There are many other features and benefits you can access with this credit card, such as –
Welcome Benefit: Cashback and discounts up to ₹2,500 for both prime and non-prime members, and a one-month EazyDiner membership.
Reward Benefits: 5% cashback for Prime members on all Amazon purchases, 3% cashback for non-Prime members on Amazon transactions, 2% cashback at over 100 partnered restaurants using Amazon Pay, and 1% cashback on all other online and offline transactions.
Dining Benefits: You get up to a minimum of 15% off on all your dining payments with the partnered restaurants of ICICI Bank’s Culinary Treats Program
This is likely the best choice for those who prefer shopping online, especially on Amazon. This credit card offers excellent rewards on all your purchases, particularly if you are a Prime member.
Also Read: Axis Bank ACE Credit Card Vs Amazon Pay ICICI Bank Credit Card
Quick Comparison
Here is a quick comparison of both credit cards to have an overview of which credit card has what benefits –
| Basis | SBI SimplyCLICK Credit Card | Amazon Pay ICICI Credit Card |
| Annual Fee | ₹499 + GST | Lifetime Free |
| Welcome Benefits | Amazon Gift Voucher Worth ₹500 | Cashback and Discounts Up to ₹2,500 and One-Month EazyDiner Membership |
| Reward Benefits |
|
|
| Dining Benefits | N/A | 15% Off on Dining at Partnered Restaurants Under ICICI Culinary Treats Program |
| Milestone Benefits |
|
N/A |
Conclusion
Both the SBI SimplyCLICK Credit Card and the Amazon Pay ICICI Bank Credit Card stand out in their own ways. SimplyCLICK offers reward points on all purchases, which can be redeemed from a catalog of options. Meanwhile, Amazon Pay ICICI is ideal for online shopping, especially when making purchases on Amazon. These credit cards are unique in design and target the online market, but they have some notable differences. For example, SimplyCLICK has a broader range of merchants, while Amazon Pay ICICI is limited to Amazon. However, the Amazon Pay ICICI Bank Credit Card also includes dining discounts.