SBI SimplyCLICK Credit Card Vs Amazon Pay ICICI Bank Credit Card

The SBI Bank and ICICI Bank, have always tried to fulfill the needs of every customer. The cards from both the banks always have one or two similarities and those are they both have very genuine credit limits and also possess exclusive offers.

Both SBI SimplyCLICK Credit Card and Amazon Pay ICICI Bank Credit Card are two great beginners or entry-level credit cards. They offer a very reasonable range of rewards and features in their respective parts. All these things can surely make one confused about what would be the right fit for them. It is very important to organize your thoughts about it because the right credit card can help your access the best possible deals in the market. Not only that but the rewards and the perks of having the right credit card also increases your value for money and you also get more rate of return than just simply paying for your expenses with cash.

In this article, the SBI SimplyCLICK Credit Card and Amazon Pay ICICI Bank Credit Card are compared in a manner that specifies the pros and cons of the card clearly which will give you a clearer idea.

SBI SimplyCLICK Credit Card

The SBI SimplyClick Credit Card is an entry-level credit card that is the most popular in its segment by SBI. The card is best suited for online shopping where you can get a high reward rate of 2.5% with popular shopping brands. The card offers 5% rewards on Amazon and with the other online shopping platforms you can get a decent rate of 1.25% and for offline expenses you can get rates around 0.25%.

The SimplyCLICK Credit card comes with a joining or annual fee of Rs. 499 plus applicable taxes. These credit cards give you exciting opportunities to earn gift vouchers which can be worth up to Rs. 4,000 every year with milestone benefits. There are other features and benefits of having this credit card which is listed below –

Features and Benefits

Welcome Benefit –

• Get an Amazon gift voucher worth Rs. 500 as a welcome gift once you realize your joining fee.
• The voucher will be valid for 12 months from the accrual date.

Reward Benefit –

• 1 RP on every Rs. 100 spent for offline purchases.
• 10X RP on online purchases with the partnered merchants including BookMyShow, Dineout, lenskart, Apollo24*7, etc.
• 5X RP on all the other online expenses.
• The max cap of earning the RP in a month is 10,000
• Reward points can be redeemed against a variety of options that are present on the bank’s website.

Milestone Benefits –

• An e-voucher worth Rs. 2,000 from the ClearTrip on an annual spend of over Rs. 1 lakh.
• Another e-voucher worth Rs. 2,000 from ClearTrip if the annual spending goes over Rs. 2 Lakh.
• The joining was waiver on the annual spending over Rs.  1 Lakh.

Fuel –

• 1% fuel surcharge waiver at all the fuel stations.
• Only for the transactions between Rs. 500 and Rs. 3,000
• The maximum benefit is capped at Rs. 100 per month.

Fees –

• Joining / Annual Fee – Rs. 499 + applicable taxes
• Reward Redemption Rate – Rs. 99 plus applicable taxes on every redemption request
• Interest Rate – 3.5% per month or 42% annual fee
• Foreign Exchange Fee – 3.5% of the total transaction amount
• Cash Advance Charge – 2.5% of the withdrawal amount or Rs. 500 whichever is higher.

The SBI SimplyCLICK Credit Card is on the list of the most wanted credit cards in the market. With a lot of exciting benefits and rewards.

Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is one of the favorite credit cards in the market, very well suited to the shopping needs of every individual. This credit card has a very decent rewarding system with which you get cashback on your Amazon Pay reflecting the amount directly on your Amazon Pay.

This card is more rewarding for Amazon Prime Members where the users can get up to 5% cashback on purchases through Amazon. There are other benefits such as dining discounts of up to 15% and waivers at petrol stations throughout the country. There are many other features and benefits which you can avail of with this credit, which are –

Features and Benefits

Welcome Benefit –

• Flat Rs. 150 off on bill payments or on first shopping with Amazon
• 20% cashback on electricity bills up to Rs. 250
• 50 % cashback on prepaid mobile recharge up to Rs. 100
• 25% cashback on postpaid mobile recharge up to Rs. 300
• 10% cash back on gas cylinder payments up to Rs. 125
• 25 % cashback on the broadband bill and DTH recharge up to Rs. 350 and Rs. 100 respectively.

Reward Benefits –

• 5% cashback for Prime members on all purchases made on Amazon
• 3% cashback for non-prime members on all purchases made on Amazon
• The rewards are only applicable in Amazon India for other country-specific domains the cashback will be 1% the same as other online transactions.
• 2% cashback from more than 100 partnered restaurants using Amazon Pay
• 1% cashback on all other transactions online and offline.
• You will receive your rewards at Amazon Pay which will be automatically added to your Amazon account.

Dining Benefits –

• You get up to a minimum of 15% off on all your dining payments with the partnered restaurants of ICICI Banks Culinary Treats Program

Fuel –

• 1 % Fuel surcharge waiver
• The benefit is only applicable if the transaction size does not exceed Rs. 4,000.

Fees and Charges –

• Joining / Annual Fee – NIL
• Interest Rate – 3.5% to 3.8% per month or 42% to 45.6% annual fee
• Foreign Exchange Fee – 3.5% of the total transaction amount
• Cash Advance Charge – 2.5% of the withdrawal amount or Rs. 500 whichever is higher.
• Card Replacement Fee – Rs. 100 in case of issuing a new card.

This is probably the best option for the ones who prefer online shopping and specifically Amazon. This credit card can help you get great value back on all your purchases especially 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 Bank Credit Card
Joining Fee	Rs. 499 + applicable taxes	NIL
Welcome Benefits	Amazon gift voucher worth Rs. 500	Flat Rs. 150 off on bill payments or on first shopping with Amazon 20% cashback on electricity bills up to Rs.250 50 % cashback on prepaid mobile recharge up to Rs. 100 25% cashback on postpaid mobile recharge up to Rs. 300 10% cash back on gas cylinder payments up to Rs. 125 25 % cashback on the broadband bill and DTH recharge up to Rs. 350 and Rs. 100 respectively
Reward Benefits	1 RP on every Rs. 100 spent for offline purchases. 10X RP on online purchases with the partnered merchants including BookMyShow, Dineout, lenskart, Apollo24*7, etc. 5X RP on all the other online expenses.	5% cashback for Prime members on all purchases made on Amazon 3% cashback for non-prime members on all purchases made on Amazon 2% cashback from more than 100 partnered restaurants using Amazon Pay 1% cashback on all other transactions online and offline
Reward Redemption Fee	Rs. 99 plus applicable taxes on every redemption request	N/A
Dining Benefits	N/A	15% off on all your dining payments with the partnered restaurants of ICICI Banks Culinary Treats Program
Milestone Benefits	An e-voucher worth Rs. 2,000 from the ClearTrip on an annual spend of over Rs. 1 lakh. Another e-voucher worth Rs. 2,000 from ClearTrip if the annual spending goes over Rs. 2 Lakh. The joining fees waiver on the annual spends over Rs.  1 Lakh.	N/A
Fuel	1% fuel surcharge waiver at all the fuel stations.	1% fuel surcharge waiver at all the fuel stations.
Interest Rate	3.5% per month or 42% annual fee	3.5% to 3.8% per month or 42% to 45.6% annual fee
Foreign Exchange Rate	3.5% of the total transaction amount	3.5% of the total transaction amount
Cash Advance Fee	2.5% of the withdrawal amount or Rs. 500 whichever is higher	2.5% of the withdrawal amount or Rs. 500 whichever is higher

Conclusion

Both the SBI SimplyCLICK Credit Card and Amazon Pay ICICI Bank Credit Card are remarkable in their fields. SimplyCLICK provides you with reward points on all your purchases which you can further redeem against the bank catalog. Whereas Amazon Pay ICICI is great for users for online shopping and especially make most of their purchases from Amazon. Both these credit cards are very creatively designed and are different from each other but both target the online market. However, the range of accepting the merchant’s payments is larger in Simply CLICK than that of Amazon Pay ICICI card as it only focuses on Amazon. But you also get dining discounts with Amazon Pay ICICI Bank Credit Card.