Axis ACE vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
Axis ACE
Why this card wins: Bill Payments — 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato
| Feature | ||
|---|---|---|
| Bank | Axis Bank | SBI |
| Card Type | Cashback | Cashback |
| Annual Fee | Lifetime Free | ₹499 + GST |
| Joining Fee | Nil | ₹499 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 10X Reward Points on online partners |
| Best For | Bill Payments | Direct Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | ₹500 Amazon gift card |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.6 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
SBI SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Verdict
Based on rating and overall value, Axis ACE ranks highest among your selected cards. It excels at Bill Payments and offers 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato.
Frequently asked questions
Which is better: Axis ACE or SBI SimplyCLICK?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. SBI SimplyCLICK is the better fit if your priority is direct online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and SBI SimplyCLICK?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹499 + GST for SBI SimplyCLICK.
Do Axis ACE and SBI SimplyCLICK offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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