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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI Card vs Axis Bank Magnus for Burgundy 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 Magnus for Burgundy Credit Card

9.2/10
Annual Fee₹30,000
Base Rewards1.2000000000000002%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardAxis Bank Magnus for Burgundy Credit Card
Annual Fee₹499₹30,000
Joining Fee₹499₹30,000
Fee Waiver Spend₹1,00,000₹30,00,000
Base Reward Rate0.16666666666666669%1.2000000000000002%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaMastercard
Editor Rating6.8/109.2/10
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 Magnus for Burgundy Credit Card

  • 1.2% on Monthly Spends > ₹1.5 Lakh — 2 pts/month
  • 1.2% on Travel EDGE Portal (< ₹2 Lakh) — 200000 pts/month
  • 1.2% on Travel EDGE Portal (> ₹2 Lakh)

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 Magnus for Burgundy Credit Card

Pros

  • Industry-leading 5:4 transfer ratio to 20+ airline and hotel partners.
  • Up to 24% value-back on travel bookings via the Travel EDGE portal.
  • Unlimited domestic and international lounge access with 4 guest visits annually.
  • 8 complimentary airport meet-and-greet services per calendar year.

Cons

  • High eligibility barrier requiring Axis Burgundy relationship status.
  • Strict spend-based criteria (₹50k in 3 months) for domestic lounge access.
  • Significant list of reward exclusions including utilities, insurance, and gold.

Our Verdict

Axis Bank Magnus for Burgundy 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 Magnus for Burgundy Credit Card if

Optimized for monthly spends exceeding ₹1.5 Lakh with accelerated 14% reward rates.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or Axis Bank Magnus for Burgundy Credit Card?
Axis Bank Magnus for Burgundy 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 Magnus for Burgundy Credit Card?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Magnus for Burgundy Credit Card offers a fee waiver on ₹30,00,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or Axis Bank Magnus for Burgundy 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 Magnus for Burgundy Credit Card offers 1.2000000000000002% base rewards with bonuses on Monthly Spends > ₹1.5 Lakh and Travel EDGE Portal (< ₹2 Lakh). The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and Axis Bank Magnus for Burgundy 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 Magnus for Burgundy 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 Magnus for Burgundy 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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