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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI Card vs Axis Bank Select Credit Card

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

SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - SimplyCLICK SBI CardAxis Bank Select Credit Card
Annual Fee₹499₹3,000
Joining Fee₹499₹3,000
Fee Waiver Spend₹1,00,000₹8,00,000
Base Reward Rate0.0625%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

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

Choose SBI Card - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: SBI Card - SimplyCLICK SBI Card or Axis Bank Select Credit Card?
Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - SimplyCLICK SBI Card and Axis Bank Select Credit Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while Axis Bank Select Credit Card has an annual fee of ₹3,000. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or Axis Bank Select Credit Card?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on Partner Brands and All Other Online Spends. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both SBI Card - SimplyCLICK SBI Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - SimplyCLICK SBI Card or Axis Bank Select Credit Card?
For beginners, SBI Card - SimplyCLICK 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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