Side-by-side · honest numbers
ICICI Amazon Pay Credit Card vs SBI Card MILES vs Standard Chartered Smart Card
Honest side-by-side comparison of ICICI Amazon Pay Credit Card, SBI Card MILES, Standard Chartered Smart Card — 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 Standard Chartered Smart Card by about ₹4,099/yr.
| Feature | ICICI Amazon Pay Credit Card ICICI Bank | SBI Card MILES SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹3,290/yr | ₹3,731/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 6X reward points | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
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?
- ICICI Amazon Pay Credit Card lists a minimum monthly income of ₹25,000.
- 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
SBI Card MILES
SBI Card
Standard Chartered Smart Card
Standard Chartered
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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,830/yr | ₹3,290/yr | ₹3,731/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 6X reward points | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-amazon-pay-vs-sbi-card-miles-vs-sc-smartMore ICICI Amazon Pay Credit Card comparisons
- ICICI Amazon Pay Credit Card vs 811 Dream Different Credit Card
- ICICI Amazon Pay Credit Card vs AU Altura Credit Card
- ICICI Amazon Pay Credit Card vs AU Zenith Credit Card
- ICICI Amazon Pay Credit Card vs American Express Gold Card
- ICICI Amazon Pay Credit Card vs American Express Platinum Travel Card
- ICICI Amazon Pay Credit Card vs American Express SmartEarn Credit Card
- ICICI Amazon Pay Credit Card vs Amex Membership Rewards CC
- ICICI Amazon Pay Credit Card vs Axis Bank ACE Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Airtel Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Atlas Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Amazon Pay Credit Card vs Axis Bank Magnus Credit Card