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Amazon Pay ICICI Bank Credit Card VS Flipkart Axis Bank Credit Card VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Comparing 3 cards side by side: Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank 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. 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.

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeFree (1st year)
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeCashback
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil / No.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge Access
International Lounge Access
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie Benefits
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits10X Reward Points on BookMyShow.
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance Benefits
Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

Flipkart Axis Bank Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

Who is it for?

The Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

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.

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.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)Apply for Flipkart Axis Bank Credit Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)