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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI Card vs Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardAxis Bank Titanium Smart Traveler Credit Card
Annual Fee₹499₹100
Joining Fee₹499₹250
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.16666666666666669%0.04000000000000001%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaMastercard
Editor Rating6.8/106.2/10
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 Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

Our Verdict

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

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
City Union Bank SimplySAVE SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card offers 0.04000000000000001% base rewards with bonuses on International Spends and Domestic Travel (Hotels, Ai.... The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card?
For beginners, Axis Bank Titanium Smart Traveler 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.

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