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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI Card vs Axis Bank Easy Gold 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 Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardAxis Bank Easy Gold Credit Card
Annual Fee₹499₹100
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.16666666666666669%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating6.8/105.5/10
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 Easy Gold 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 Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Our Verdict

City Union Bank SimplySAVE SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit 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 Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or Axis Bank Easy Gold Credit Card?
City Union Bank SimplySAVE SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit 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 Easy Gold Credit Card?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while Axis Bank Easy Gold Credit Card has an annual fee of ₹100. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or Axis Bank Easy Gold 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 Easy Gold Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and Axis Bank Easy Gold 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 Easy Gold 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 Easy Gold Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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