Are you looking for a rewards credit card that perfectly matches your spending patterns and lifestyle? Well, we have some great news. The Card Insider team has compiled a thorough comparison of two very popular credit cards: Axis Ace and SBI SimplyClick Credit Cards.
The Axis Ace Credit Card is a yearned cashback card in India, ideal for individuals looking to earn rewards on their everyday expenses. It provides enticing perks such as complimentary lounge access, dining privileges, and good cashback on various expenses. On the other hand, the SBI SimplyClick Credit Card is an entry-level card offering attractive rewards for online and partner brand purchases. Whether you’re a frequent online shopper or someone who loves earning rewards on everyday expenses, this article will help you make the ideal choice for you. Discover the annual fees, reward rates, welcome benefits, and much more as we present a side-by-side analysis to assist you in finding the perfect card.
Axis Ace Credit Card
One of the most desired cashback cards in India, the Axis Ace Credit Card, is best suited for people who love to earn cashback from every transaction they make. Users having this card will have to pay a joining fee of ₹499 plus taxes, but currently, there is a limited-time offer going on where users do not have to pay any joining fee when applying for this card. The card also has a spend-based waiver where upon spending ₹2 lakhs in the previous year, the annual fee will waived.
This card offers many rewarding features and rewards. Users will get complimentary lounge access, dining delights, and a fuel surcharge waiver. This card offers cashback on every spend. You will get 5% cashback on utility bill payments such as electricity, water, gas, etc, and DTH recharges done through Google Pay and 4% cashback on brands like Zomato, Swiggy, and Ola, both capped at ₹500. Cardholders will also get 1.5% cash back on other spends with no monthly capping.
SBI SimplyClick Credit Card
SBI SimplyClick Credit Card is an entry-level card that is best suited for shopping. With an affordable annual fee of ₹499 plus taxes, which can be waived on spending ₹1 lakh in the previous year. The card is actually more rewarding if compared to other entry-level cards. Cardholders will earn 10X Reward Points on partner brands such as Dominos, Apollo, Myntra, Swiggy, Cleartrip, Netmeds, BookMyShow, and Yatra. On online purchases, users will get 5X Reward Points, and on offline transactions, they will earn 1 Reward Points. The card offers an Amazon voucher worth ₹500 as a welcome benefit. On spending ₹1 lakh with this card, you will get a ClearTrip/Yatra voucher worth ₹2,000 as a milestone benefit, and on spending ₹2 lakhs, users will again receive vouchers worth ₹2,000. Though this card does not offer any other benefits like travel, airport lounge, dining, movies, or insurance, it is still way better than other entry-level cards just because of its rewards rate.
Comparison Table
| Categories | Axis Ace Credit Card | SBI SimplyClick Credit Card |
| Annual Fees | ₹499 + GST | ₹499 + GST |
| Reward Rate |
|
|
| Reward Redemption | Cashback earned will be credited to the cardholder’s account |
|
| Welcome Benefits | N/A | Amazon gift card worth ₹500 |
| Milestone Benefit | N/A | Cleatrip/Yatra vouchers worth ₹4,000 on spending ₹2 lakh |
| Entertainment/Dining | 20% discount on 4,000 + restaurants | N/A |
| Travel Benefits | Four complimentary airport lounge visits every year | N/A |
Verdict
Both Axis Ace and SBI SimplyClick Credit Cards have their unique advantages for people with different preferences. The Axis Ace Credit Card is best for individuals who want cashback rewards, including dining and lounge privileges, on every transaction. In contrast, the SBI SimplyClick Credit Card is a strong choice for those who mostly shop online and seek attractive milestone benefits. Before buying a credit card, consider your spending habits, lifestyle, and the rewards that best match your needs.