Amazon Pay ICICI Bank Credit Card VS Flipkart Axis Bank Credit Card VS IDFC FIRST Millennia Credit Card VS SBI SimplyCLICK Credit Card
Comparing 4 cards side by side: Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank Credit Card, IDFC FIRST Millennia Credit Card, SBI SimplyCLICK Credit Card. Amazon Pay ICICI Bank Credit Card is lifetime-free and earns 5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. IDFC FIRST Millennia Credit Card is lifetime-free and earns 10X points on spends above ₹20,000 and birthdays; 3X on other spends (1X = 1 pt per ₹200). SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points on exclusive online partners, 5X on other online spends, and 1 RP per ₹100 on offline spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
IDFC FIRST Millennia Credit Card
SBI SimplyCLICK Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
Pros
Key benefits and features.
Lifetime free credit card with no joining or annual fees, offering great value.
Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.
Reward points never expire, ensuring long-term value and flexibility in redemption.
Earn up to 10x reward points on dining, travel, international, and birthday spends.
Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.
Pros
Key benefits and features.
Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.
Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.
The annual fee can be easily waived by spending ₹1 lakh in the previous year.
Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.
Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.
Cons
Key drawbacks and limitations.
The card does not offer any domestic or international airport lounge access.
A reward redemption fee of ₹99 + GST is charged for every redemption.
A foreign currency markup of 3.5% applies to all international transactions.
Cash advance charges of ₹199 + GST are applicable per transaction.
Cons
Key drawbacks and limitations.
Does not offer complimentary domestic or international lounge access, limiting travel perks.
Lacks comprehensive insurance benefits, which might be a concern for some cardholders.
Reward redemption options, while available, might feel limited compared to premium credit cards.