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Side-by-Side Comparison|Updated March 2026

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

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - SimplyCLICK SBI CardAxis Bank Vistara Credit Card
Annual Fee₹499₹1,500
Joining Fee₹499₹1,500
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.0625%0.8%
Reward CurrencyReward PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.5/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

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

Axis Bank Vistara Credit Card

No accelerated rewards listed

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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

Our Verdict

SBI Card - SimplyCLICK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit 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 Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

Frequently Asked Questions

Which is better: SBI Card - SimplyCLICK SBI Card or Axis Bank Vistara Credit Card?
SBI Card - SimplyCLICK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit 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 Vistara Credit Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or Axis Bank Vistara 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 Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - SimplyCLICK SBI Card and Axis Bank Vistara Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and Axis Bank Vistara 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 Vistara 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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