Are you looking for a credit card that aligns perfectly with your spending habits and lifestyle? Let’s dive into a comparison of two popular cards: Axis Ace and SBI SimplyClick.
The Axis Ace Credit Card is highly sought-after for its cashback rewards, making it ideal for individuals who want to earn on their daily expenses. It also offers benefits like complimentary lounge access and dining discounts. On the other hand, the SBI SimplyClick Credit Card is a great entry-level card, offering excellent rewards on online shopping and partner brand transactions. Whether you’re an avid online shopper or someone who enjoys cashback on utilities and dining, this thread will help you find the best fit for your needs. Let’s break down the key features!
Axis Ace Credit Card
- Annual Fee: ₹499 + taxes (waived on spending ₹2 lakhs annually)
- Reward Rate:
- 5% cashback on utility bill payments (electricity, water, gas) and DTH recharges through Google Pay.
- 4% cashback on Zomato, Swiggy, and Ola.
- 1.5% cashback on all other spends, with no monthly cap.
- Benefits:
- Four complimentary airport lounge visits per year.
- 20% discount at over 4,000 restaurants.
- Fuel surcharge waiver.
- Welcome Benefit: None.
- Milestone Benefit: None.
Apply now: Axis Ace Credit Card
SBI SimplyClick Credit Card
- Annual Fee: ₹499 + taxes (waived on spending ₹1 lakh annually)
- Reward Rate:
- 10X Reward Points on partner brands like Myntra, Swiggy, Apollo, Dominos, etc.
- 5X Reward Points on online purchases.
- 1 Reward Point for every ₹100 spent offline.
- Benefits:
- ₹500 Amazon gift card as a welcome benefit.
- ClearTrip/Yatra vouchers worth ₹4,000 on spending ₹2 lakhs annually.
- Welcome Benefit: ₹500 Amazon gift card.
- Milestone Benefit: ClearTrip/Yatra vouchers worth ₹2,000 on reaching ₹1 lakh spend, and another ₹2,000 voucher at ₹2 lakh spend.
Apply now: SBI Simply Click Credit Card
Side-by-Side Comparison:
| Category | Axis Ace Credit Card | SBI SimplyClick Credit Card |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹499 + GST |
| Reward Rate | 5% cashback on utilities & DTH (Google Pay), 4% cashback on Zomato, Swiggy, Ola, 1.5% cashback on others | 10X RP on partner brands (Myntra, Swiggy, etc.), 5X RP on online spends, 1 RP per ₹100 on offline spends |
| Reward Redemption | Cashback credited to cardholder’s account | RP redeemed for gift vouchers (1 RP = ₹0.25) |
| Welcome Benefits | N/A | ₹500 Amazon gift card |
| Milestone Benefit | N/A | ₹4,000 ClearTrip/Yatra vouchers on ₹2 lakh spend |
| Dining/Entertainment | 20% off at 4,000+ restaurants | N/A |
| Travel Benefits | 4 complimentary airport lounge visits annually | N/A |
Conclusion:
- Axis Ace: Best for those who want cashback on everyday spends and travel perks like lounge access and dining discounts.
- SBI SimplyClick: Ideal for frequent online shoppers, especially with partner brands, offering higher rewards and milestone vouchers.
Pick the card that best suits your spending patterns and lifestyle!