Annual Fee
₹499
₹500
Joining Fee
₹499
₹500
Fee Waiver Spend
₹1,00,000
N/A
Forex Markup
3.5%
3.5%
Card Comparison
SBI SimplyCLICK vs Axis My Zone
SBI SimplyCLICK vs Axis My Zonecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
Quick take
How they compare
SBI SimplyCLICK and Axis My Zone suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 13 partner deals vs 4. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
SBI SimplyCLICK
- Annual fee
- ₹499 + GST
- Everyday rate
- 0.3%
- Monthly cap
- ₹10,000/mo
Notable strengths
- Flat rewards on every spend
Axis My Zone
- Annual fee
- ₹500 + GST
- Everyday rate
- 0.4%
- Monthly cap
- No cap
Notable strengths
- No monthly reward cap
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
61 specs · 13 sections
SBI SimplyCLICK
Axis My Zone
Feature
SBI SimplyCLICK
Axis My Zone
Reward Type
Reward Points
Reward Points
Base Rate
0.25%
0.4%
Online Rate
1.25%
—
Offline Rate
0.25%
0.4%
Effective Base Rate
0.25%
0.4%
Point Value
₹0.25
₹0.2
Redemption Quality
MEDIUM
LOW
Best Redemption
₹0.25
₹0.4
Worst Redemption
₹0.15
₹0.2
Amazon
1.25%
—
Apollo Pharmacy
2.5%
—
Bookmyshow
2.5%
—
Cleartrip
2.5%
—
Dominos
2.5%
—
Grocery / Supermarkets
1.25% online / 0.25% offline
0.4%
Fuel / Petrol / Diesel / CNG
0% (Excluded)
0% (Excluded)
Restaurants / Dine-in
1.25% online / 0.25% offline
0.4%
Flights, Hotels, OTAs, Tour Operators
1.25% online / 0.25% offline
0.4%
Other Retail / Catch-all
1.25% online / 0.25% offline
0.4%
Monthly Cap
₹10,000
No cap
Est. Annual Cap
₹1,20,000
No cap
Total Excluded
6 categories
10 categories
Cinema / Movie Theatres
Earns rewards
Excluded
Gold / Jewellery
Earns rewards
Excluded
Electricity, Water, Gas, Internet, DTH, Mobile Recharge
Earns rewards
Excluded
Insurance Premiums
Earns rewards
Excluded
Domestic Visits/Year
None
4
International Visits/Year
None
None
Priority Pass
No
No
Est. Annual Value
—
₹1,760
Forex Markup
3.5%
3.5%
Description
Amazon Gift Card Worth Rs. 500
Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance
Estimated Value
₹400
₹999
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
individuals looking for an entry-level shopping credit card with minimal charges and a decent reward rate. Those who simply want an SBI Credit Card to enjoy ongoing offers can also consider this option, as it meets all the basic requirements and provides accelerated reward points across several popular brands and platforms.
Movies, Shopping, Food
Min Income
Not specified
Not specified
Income Proof
Required
Required
Secured FD
No
Available
Accepting Applications
Yes
Yes
Network
Mastercard
Visa, Mastercard
Card Tier
Entry
Entry
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Frequently asked questions
- What are the annual fees for SBI SimplyCLICK Credit Card and Axis My Zone Credit Card?
- SBI SimplyCLICK Credit Card has ₹499 + GST. Axis My Zone Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- SBI SimplyCLICK Credit Card earns about 0.25% on general spends; Axis My Zone Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.
- Do online and offline rewards differ between them?
- SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline. Axis My Zone Credit Card: same rate online and offline.
- What is the forex markup on each card?
- SBI SimplyCLICK Credit Card: 3.5%. Axis My Zone Credit Card: 3.5% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- SBI SimplyCLICK Credit Card: none specified. Axis My Zone Credit Card: yes — see the lounge row above for limits.
Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.
Sources: SBI Card - SBI SimplyCLICK · Axis Bank - Axis My Zone