All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
Amazon Pay ICICI vs SBI Unnati (Secured)
Quick answer
Amazon Pay ICICI vs SBI Unnati (Secured) is a close match. Compare annual fee, top reward rate, lounge access and forex markup — pick the card whose strengths match your spending, and always pay the full bill monthly.
ICICI Bank
Amazon Pay ICICI
Visa
SBI Card
SBI Unnati (Secured)
Visa
Our pick
It's genuinely a toss-up — it comes down to your spending.
Pick based on the one row that matches how you actually spend.
| Feature | Amazon Pay ICICI | SBI Unnati (Secured) |
|---|---|---|
| Annual fee | Free ✓ | ₹499 |
| Top reward rate | 5% ✓ | 0% |
| Lounge visits/yr | 0 | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 45% | 42% ✓ |
| Min income/mo | ₹20,000 | None ✓ |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: Amazon Pay ICICI or SBI Unnati (Secured)?
- Amazon Pay ICICI and SBI Unnati (Secured) are closely matched. Use the comparison rows to pick the card that fits your actual spending pattern.
- How should I choose between Amazon Pay ICICI and SBI Unnati (Secured)?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. Amazon Pay ICICI and SBI Unnati (Secured) both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.