Entry-level credit cards have become a popular choice among first-time cardholders and everyday spenders. These cards are not only affordable, but they also offer rewards and benefits to their users. Whether you want to earn rewards on your daily purchases, enjoy exclusive discounts, or simply build your credit profile, these cards offer a great starting point.
Among the many options available in the market, the SBI SimplyCLICK and Axis My Zone Credit Cards are the two strong contenders. While both cards come with attractive welcome offers, reward programs, milestone benefits, and fuel surcharge waivers, they are for different spending habits. The first is the SBI SimplyCLICK Credit Card, an excellent choice for online shopping enthusiasts. It offers 10X reward points on purchases with partner brands and 5X on other online transactions. With a modest joining fee of ₹499 plus taxes, it gifts an Amazon voucher worth ₹500 as a welcome benefit, making it a valuable card for first-time users looking to maximize their spending rewards.
On the other hand, Axis My Zone Credit Card, which is great for movie buffs and food lovers, offers BOGO on movie tickets, discounts on Swiggy, and special dining deals. With a joining fee of ₹500 plus taxes, it also includes a free SonyLiv subscription as a welcome gift, making entertainment and dining more enjoyable and affordable.
In Terms of Fees and Welcome Benefits
When it comes to fees and welcome benefits, both the SBI SimplyCLICK and Axis My Zone Credit Cards offer excellent value for beginners. The cards come with a similar joining fee, making them affordable options for those looking to enjoy credit card benefits without spending a fortune. The Axis My Zone Credit Card comes with a joining annual fee of ₹500 + GST. While the SBI SimplyCLICK comes with a joining fee of ₹499 + GST. The annual fee will be waived if you spend ₹1 lakh within a year
However, the real difference lies in what you get in return. SBI SimplyCLICK welcomes new cardholders with an Amazon gift card worth ₹500, effectively offsetting the joining fee and appealing to online shoppers. On the other hand, Axis My Zone offers a free SonyLiv Subscription Worth ₹1,499 for users who enjoy entertainment and dining perks.
| Feature | SBI SimplyCLICK Credit Card | Axis My Zone Credit Card |
| Joining Fee | ₹499 + GST | ₹500 + GST |
| Annual Fee Waiver | Available on the Spending of 1 Lakh | N/A |
| Welcome Benefit | Amazon Gift Card Worth ₹500 | Free SonyLIV Subscription Worth ₹1,499 |
In Terms of Reward Rate
When comparing reward rates, the SBI SimplyCLICK Credit Card is clearly more rewarding for people who shop online often. With this card, you earn 1 reward point for every ₹100 spent on offline purchases, but the real advantage starts with online spending. It offers 5X reward points on most online transactions and goes up to 10X reward points on select partner sites such as Amazon, Myntra, Swiggy, BookMyShow, Cleartrip, Dominos, Netmeds, and Yatra. This makes it a great option for regular online shoppers. However, there is a monthly cap of 10,000 bonus reward points, which can limit very high spenders.
In contrast, the Axis My Zone Credit Card keeps things much simpler. You earn 4 EDGE REWARD points for every ₹200 spent, which can later be redeemed through the Axis Bank reward catalog.
| Feature | SBI SimplyCLICK Credit Card | Axis My Zone Credit Card |
| Offline Spending Rewards | 1 Reward Point Per ₹100 Spent | N/A |
| Online Spending Rewards | 5X Reward Points | Same 4 EDGE REWARD points per ₹200 spent |
| Bonus/Accelerated Rewards | 10X Reward Points on Partner sites like Amazon, Myntra, Swiggy, BookMyShow, Cleartrip, Dominos, Netmeds, Yatra | N/A |
| Monthly Limit | 10,000 bonus reward points cap | N/A |
In Terms of Milestone Benefits
When we compare milestone benefits, the Axis My Zone Credit Card has an advantage, while the SBI SimplyCLICK Credit Card does not offer any milestone rewards. With Axis My Zone, if you spend ₹1.5 lakh in a card anniversary year, you get 1,000 EDGE Reward Points as a bonus. This means you are rewarded for using your card more during the year. On the other hand, SBI SimplyCLICK does not have any milestone benefits, so you only earn rewards based on your regular spending. In short, Axis My Zone gives you an extra reward for higher spending, while SBI SimplyCLICK keeps things simple without any milestone system.
In Terms of Complimentary Airport Lounge Access
With Axis My Zone, cardholders can enjoy one complimentary airport lounge visit per calendar quarter at select airport lounges in India, but this benefit is available only when you spend at least ₹50,000 in the previous three months. On the other hand, the SBI SimplyCLICK Credit Card does not include any airport lounge access. So, if lounge access is important for you, Axis My Zone has an advantage.
Bottom Line
Choosing between the SBI SimplyCLICK and Axis My Zone Credit Cards depends on your spending habits and preferences. The SBI SimplyCLICK Credit Card is an excellent choice for frequent online shoppers, offering an impressive reward point system for purchases made with partner brands and for other online transactions. The welcome benefit of an Amazon voucher is an added advantage for online shopping enthusiasts. On the other hand, the Axis My Zone Credit Card serves more entertainment and dining lovers with its BOGO movie ticket offers, discounts on Swiggy, and a complimentary SonyLiv subscription.
While both cards have unique offerings, if you prefer online shopping and maximizing reward points, the SBI SimplyCLICK might be the better option. However, if movies and dining out are more your scene, then the Axis My Zone could be the one for you, making experiences both more enjoyable and affordable.