Side-by-side · honest numbers
ICICI Amazon Pay Credit Card vs Kotak Urbane Gold Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of ICICI Amazon Pay Credit Card, Kotak Urbane Gold Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹6,049/yr.
| Feature | ICICI Amazon Pay Credit Card ICICI Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹140/yr | ₹1,781/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 5% | 3X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Amazon Pay Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Amazon Pay Credit Card leads with an estimated ₹7,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Amazon Pay Credit Card
ICICI Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | ICICI BankGold ICICI Amazon Pay Credit Card •••• •••• •••• 4242 Quick facts ICICI Amazon Pay Credit Card Top reward5% Annual feeLifetime Free Min income₹25,000/mo Tap to flip back ICICI Amazon Pay Credit Card ICICI Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹140/yr | ₹1,781/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 5% | 3X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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https://cardhungry.com/in/en/compare/icici-amazon-pay-vs-kotak-urbane-vs-sbi-simplyclickMore ICICI Amazon Pay Credit Card comparisons
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