All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
SBI Unnati (Secured) vs Amazon Pay ICICI
Quick answer
SBI Unnati (Secured) wins this comparison on 2 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
SBI Card
SBI Unnati (Secured)
Visa
ICICI Bank
Amazon Pay ICICI
Visa
Our pick
SBI Unnati (Secured) edges it for most people.
It wins on 2 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | SBI Unnati (Secured) | Amazon Pay ICICI |
|---|---|---|
| Annual fee | Free | Free |
| Top reward rate | 0% | 5% ✓ |
| Lounge visits/yr | 0 | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | None ✓ | ₹20,000 |