GSM 1800 / 1900 / 850 / 900 WCDMA Band I (2100) / Band II (1900) / Band V (850) / Band VIII (900)
4G LTE Rel. 8 (UE Cat 3) – 700, 800, 900, 1800, 2100, 2600 MHz
Nokia Lumia 1020搭載了4130萬畫素背照式CMOS感光元件，尺寸為1/1.5吋（2/3吋），總像素為7712×5360。4:3的影像尺寸為7136×5360像素（3820萬畫素），16:9的影像尺寸為7712×4352像素（3360萬畫素）。單一畫素尺寸為1.12微米，元件尺寸為8.80×6.60毫米，焦距轉換率為3.93×35mm，16:9等效焦長為25mm，4:3的等效焦長為27mm，光圈為2.2。
對比
Nokia 808 Pureview搭載4130萬畫素CMOS感光元件，尺寸為 1/1.2 吋，總像素為7728×5368。取決於使用者的拍攝長寬比，在預設的相機軟體的16:9影像尺寸為7728×4354像素（3360 萬畫素），4:3影像尺寸為7152×5368像素（3820萬畫素）。使用專業拍攝（Nokia Pro Cam）[6]軟體可拍攝完整的感光元件尺寸，儲存超過30M檔案大小，完整解析度（7728×5368，4148萬）的相片。單一畫素尺寸為1.4µm，元件尺寸為10.67×8.00毫米，焦距轉換率為3.2×35mm的16:9等效焦長為26mm，4:3則是28mm，光圈為2.4。
知道您的小工具（KnowYourGadget）的卡玛拉萨（Kamalahasan）：「Nokia Lumia 1020 is a great improvement over the Nokia 808. The camera is just superb and one of the best we have seen on a mobile device. If you need a simple smartphone and your phone doubles as your point and shoot, this is the device for you.」[7]
滄者極限（英语：AnandTech）的布賴恩·克盧格（Brian Klug）：「I think it’s fair to say that once again Nokia has basically set the bar for the rest of the smartphone imaging world – in terms of both hardware and software features.」[8]
美國雜誌Finnamore的評論家克里斯（Chris Finnamore）：「Simply stunning photos make the Lumia 1020 the ultimate cameraphone.[9]He gave it five stars and awarded it the Expert Reviews: Ultimate award, which places it among other high-end flagships such as the Galaxy S4 and the iPhone 5S, which also received the award.」[10][11]
數碼攝影諢論（英语：Digital Photography Review）網站的艾琳洛（Erin Lodi）：「Despite the lower lighting level, the Nokia is able to out-perform its rivals by a healthy margin. Fine detail is better maintained and the image is generally "cleaner." This benefit (that comes from a combination of a larger sensor and the noise-reducing effect of downscaling images), is one of the significant advantages of Nokia's decision to use a large sensor in a smartphone. Whether you look at the resolution stripe on the left of the image or the etched portrait on the right, the 1020 is significantly out-performing its rivals.」[12]
The Verge的大衛·皮爾斯（David Pierce）則評論道：「this is a remarkable phone, hampered by its operating system.」[13]
科技新时代的Dan Nosowitz：「Nokia's new Lumia smartphone has amazing hardware (especially its unprecedented 41-megapixel camera). And it doesn't matter at all, because its software lags so far behind its hardware.」[14]
衛報的查爾斯·亞瑟（Charles Arthur）：「The Finnish phone maker released its remarkable Lumia 1020 phone with a 41-megapixel camera - but it's still missing native apps for low-quality Instagram, Vine and Snapchat」[15]
PC雜誌（英语：PC Magazine）的吉姆·費舍爾（Jim Fisher）和薩沙（Sascha Segan）：「The Lumia 1020 is a big step forward for camera phones, but the step isn't complete. Nokia's sensor and lens advances must be paired with a CPU and image processor fast enough to make shooting effortless, and Windows Phone's creative app gaps need to be filled in.」[16]
Gadgetmania網站的一位評論家：「If you absolutely need the best camera on a smartphone and don’t mind Windows Phone 8 and spending a good chunk of money upfront, the Lumia 1020 is worth looking at, but I don’t expect it to be very popular.」[17]
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