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 ₹3,793/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.

Which cards are secured (FD-backed)?

SBM ZET Credit Card is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

ICICI Amazon Pay Credit Card vs SBM ZET Credit Card

Honest side-by-side comparison of ICICI Amazon Pay Credit Card, SBM ZET Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Amazon Pay Credit Card

ICICI Bank

Card 2

SBM ZET Credit Card

SBM Bank India

Your adjusted comparison

Feature	ICICI Amazon Pay Credit Card ICICI Bank	SBM ZET Credit Card SBM Bank India
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,793/yr	₹1,561/yr
Online shopping	₹2,400 × 5% = ₹120/mo (₹1,440/yr)	—
Top reward rate	5%	Lifetime free
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: Partner voucher discounts on ZET app — no published UPI %
Key exclusions	EMI · Fuel · Rent · Wallet · Jewellery	Cash withdrawal
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹6,871/yr combined NAV (₹3,078 vs best solo). Both annual fees apply.

ICICI Amazon Pay Credit Card details →SBM ZET Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Amazon Pay Credit Card leads SBM ZET Credit Card by about ₹2,232/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Amazon Pay Credit Card vs SBM ZET Credit Card comparison table
Feature	ICICI Amazon Pay Credit Card ICICI Bank	SBM ZET Credit Card SBM Bank India
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	₹3,793/yr	₹1,561/yr
Online shopping	₹2,400 × 5% = ₹120/mo (₹1,440/yr)	—
Top reward rate	5%	Lifetime free
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: Partner voucher discounts on ZET app — no published UPI %
Key exclusions	EMI · Fuel · Rent · Wallet · Jewellery	Cash withdrawal
Bonuses
Signup bonus	—	—

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 ₹3,793/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.
Which cards are secured (FD-backed)?: SBM ZET Credit Card is secured — useful for thin credit files without a bureau pull at application.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More ICICI Amazon Pay Credit Card comparisons