Unacceptable Amazon
Once Amazon refused to give (10%) discount on Amazon 'Sale'.

They said that the discount is only for regular ICICI credit card and not for ICICI Amazon Pay Card.

It is for such discounts that ICICI bought credit.

When I asked the Amazon customer service center, 'Will the next 'sale' be the same?', they said, 'No, there will be a discount', but I am not sure.

If there is an offer on ICICI Card in the next Amazon 'sale', you must try it.

3. SBI Simply Click Credit Card
After buying ICICI credit card I bought SBI Simply Click credit card on the recommendation of my friend Harish for the same online offers.

Similar to the ICICI Amazon Pay Card, it also has benefits. Spend ₹40,000 and get Amazon Gift Voucher ₹500 for 2000 Reward points.

You can use it to buy products on Amazon.

The only drawback is that the Auto Debit facility to pay monthly installments cannot be activated online or in the app itself.

Application should be sent by registered post to Gurgaon office.

This easy service can be implemented on the website, in the app itself, but why, I don't understand this practice!

I applied online for this credit. The person who came to get the details shared my mobile number with others.

After this spam calls could not bear the nuisance, the series (TRAI) has now reduced due to complaints.

Annual fee is ₹499. They said that if you spend ₹1 lakh per year, they will refund the annual fee.

Since it's only been six months since I got this credit card, I haven't had a chance to comment on the customer service.

SBI App
There is a separate app for SBI credit cards. Both the other banks have integrated the bank account into the app.

Initially using both (Bank Account / Credit Card) apps was tough but the design (UI) of the SBI app was very impressive.

All are easy to control and use. Allowed Credit Limit can be easily reduced as per our requirement.

Which of the three credit cards is best?
As mentioned earlier, we have to choose the loan based on our usage. I assume I didn't do that for HDFC.

The reason is that I have earned ₹14,000 through Reward Points on my credit card spending over the last five years.

I got ₹3000 in six months through SBI Simply Click loan. Previously, one loan is now three, expenses are divided.

Due to low credit limit in ICICI Amazon Pay Card, could not use much. However, I made a significant amount of money.