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Side-by-Side Comparison|Updated March 2026

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

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

City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardAxis Bank ACE Credit Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.16666666666666669%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating6.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

City Union Bank SimplySAVE SBI Card

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

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

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.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

Axis Bank ACE 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 City Union Bank SimplySAVE SBI Card if

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

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or Axis Bank ACE Credit Card?
Axis Bank ACE 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 City Union Bank SimplySAVE SBI Card and Axis Bank ACE Credit Card?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while Axis Bank ACE Credit Card has an annual fee of ₹499. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or Axis Bank ACE Credit Card?
City Union Bank SimplySAVE SBI Card offers a base reward rate of 0.16666666666666669% with accelerated rewards on Dining and Movies. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. City Union Bank SimplySAVE SBI Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: City Union Bank SimplySAVE SBI Card or Axis Bank ACE Credit 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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