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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs City Union Bank SimplySAVE SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardCity Union Bank SimplySAVE SBI Card
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.16666666666666669%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating7.5/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

City Union Bank SimplySAVE SBI Card

  • 1.67% on Dining
  • 1.67% on Movies
  • 1.67% on Grocery
  • 1.67% on Departmental Stores

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

City Union Bank SimplySAVE SBI Card

Pros

  • 10X Reward Points on daily essentials like Dining, Movies, Departmental Stores, and Grocery.
  • Welcome bonus of 2,000 Reward Points effectively offsets the joining fee.
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh annual spend.
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Cons

  • Very low base reward rate of 0.17% on non-category spends.
  • Accelerated rewards are capped at 5,000 points per month.
  • No complimentary airport lounge access or travel-specific benefits.

Our Verdict

Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose City Union Bank SimplySAVE SBI Card if

Low entry barrier and high rewards on common categories like groceries and dining.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or City Union Bank SimplySAVE SBI Card?
Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Signature Credit Card and City Union Bank SimplySAVE SBI Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while City Union Bank SimplySAVE SBI Card has an annual fee of ₹499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or City Union Bank SimplySAVE SBI Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. City Union Bank SimplySAVE SBI Card offers 0.16666666666666669% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and City Union Bank SimplySAVE SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and City Union Bank SimplySAVE SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or City Union Bank SimplySAVE SBI Card?
For beginners, City Union Bank SimplySAVE SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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