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In short: both charge a ₹499 annual fee; both charge a 3.5% forex markup.
| Key facts | Axis Ace | SimplyCLICK SBI |
|---|---|---|
| Annual fee | ₹499 | ₹499 |
| Joining fee | ₹499 | Not listed |
| Annual fee waived | On ₹2 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | 10X reward points on Swiggy, Myntra, BookMyShow and 5 more |
| Base rewards | 1.5% Cashback on Other Eligible Merchants | 1 Reward Points per ₹100 |
| Lounge access | 4 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, Axis Ace returns about ₹3,750 more a year after annual fees (₹5,700 vs ₹1,950 in rewards).
| Spend profile | Axis Ace | SimplyCLICK SBI |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1.5% | 2.5% / 0.25% |
| ₹20,000 a month, all general spends | ₹3,600 | ₹600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹5,700 | ₹1,950 |
| Annual fee | ₹499 | ₹499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Ace Visa Signature Credit Card and the Simplyclick SBI Visa Credit Card both offer distinct rewards and benefits suited to different spending habits. Axis Bank Ace focuses on cashback rewards, especially on bill payments via Google Pay, while Simplyclick SBI emphasizes reward points on online and e-commerce spends. Both cards charge an annual fee of Rs.499 with fee waivers based on annual spending thresholds.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Ace Visa Signature Credit Card | Simplyclick Sbi Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.499 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.499 | Annual Fee of Rs.499 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | 10X reward points on Swiggy, Myntra, BookMyShow and 5 more |
| Base rate (other spends) | 1.5% Cashback on Other Eligible Merchants | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | Enjoy 4 Complimentary Lounge Per Calendar Year | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | — | Amazon Gift Card Worth Rs.500 |
| Milestone benefit | — | E-Gift Vouchers Worth Rs.2000 of Cleartrip on Spend of Rs.1Lakh; E-Gift Vouchers Worth Rs.2000 of Cleartrip on Spend of Rs.2Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Axis Bank Ace Visa Signature Credit Card provides a higher cashback rate with 5% on bill payments through Google Pay and 1.5% on other eligible merchants, translating to about Rs.5,700 annually at Rs.20,000 monthly spend. In contrast, the Simplyclick SBI Visa Credit Card offers reward points with a top rate of 10X points on select brands like Swiggy and Myntra, but the effective value is lower at around Rs.1,950 annually. Axis Bank Ace’s straightforward cashback structure may be more appealing for those preferring direct cashback over points redemption.
Both cards provide a 1% fuel surcharge waiver, which is beneficial for regular fuel purchases. The Simplyclick SBI card includes milestone benefits with e-gift vouchers from Cleartrip and Yatra on spending Rs.1 lakh and Rs.2 lakhs annually, which could appeal to travelers who spend heavily on these platforms. Axis Bank Ace does not list milestone benefits in our data. Lounge access details are not listed in our data for one or both cards. Overall, Simplyclick SBI has a slight edge for travel-related rewards through its milestone vouchers, but both cards are fairly basic in travel perks.
Both cards have an annual fee of Rs.499, with Axis Bank Ace waiving the fee on spending Rs.2 lakhs annually and Simplyclick SBI waiving it on Rs.1 lakh spend. The lower waiver threshold on Simplyclick SBI might be easier to achieve for some users. Both cards charge a 3.5% forex markup on foreign currency transactions, which is standard. Axis Bank Ace also offers some fee waivers like no card replacement charges and waived charge slip and cheque payment fees, which might add minor convenience benefits.
Axis Bank Ace offers direct cashback with a top rate of 5% and a base rate of 1.5%, making rewards easy to understand and redeem as cashback credited automatically. Simplyclick SBI provides reward points with accelerated 10X points on select brands, but the base rate is lower at 1 point per Rs.100 spent, which may require more effort to maximize value.
The Axis Bank Ace card requires Rs.2 lakhs annual spend to waive the Rs.499 annual fee, whereas Simplyclick SBI requires only Rs.1 lakh. This makes the Simplyclick SBI card potentially more accessible for fee waiver, especially for moderate spenders.
Consider Axis Bank Ace Visa Signature Credit Card if you prefer straightforward cashback rewards, especially if you frequently pay bills via Google Pay or use Ola, Swiggy, and Zomato, where you get accelerated cashback. It suits users who want simple cashback benefits without managing reward points and redemption complexities.
Consider Simplyclick SBI Visa Credit Card if you are an active online shopper and spend on brands like Swiggy, Myntra, BookMyShow, and Cleartrip. The card’s milestone e-gift vouchers and welcome Amazon gift card add value for those who can meet the spending thresholds and prefer reward points that can be redeemed on multiple platforms.
Both cards have an annual fee of Rs.499. Axis Bank Ace waives this fee if you spend Rs.2 lakhs annually, while Simplyclick SBI waives it on Rs.1 lakh annual spend.
Axis Bank Ace offers 5% cashback on bill payments made through Google Pay, which is higher than Simplyclick SBI’s reward points on similar spends.
Lounge access details are not listed in our data for one or both cards; please check with the issuer for current offerings.
Both cards charge a 3.5% markup fee on foreign currency transactions.
Simplyclick SBI offers an Amazon gift card worth Rs.500 as a welcome benefit, while Axis Bank Ace does not list any welcome benefits.
Yes, both cards provide a 1% fuel surcharge waiver on fuel transactions.