Airtel Axis Bank Credit Card vs SimplyCLICK SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Airtel Axis Bank Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Airtel Axis Bank Credit Card (₹500/yr) vs SimplyCLICK SBI Card (₹499/yr).
- Base Reward Rate: Airtel Axis Bank Credit Card (1% Cashback) vs SimplyCLICK SBI Card (1 pts/₹100).
- Lounge Access: Airtel Axis Bank Credit Card (0 dom) vs SimplyCLICK SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1Axis Bank · fee waived
2SBI Card · fee waived
Smart verdict
Get the Airtel Axis Bank Credit Card — it earns you +₹4,640/yr over the SimplyCLICK SBI Card, mostly from your dining & food delivery spend.
It flips to the SimplyCLICK SBI Card if that drops to about ₹0/mo.
How Your Spends Convert to Rewards
Live calculation breakdown for Airtel Axis Bank Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Insurance | ₹1,500/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 1% Cashback | ₹60 | ₹720/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1% Cashback | ₹35 | ₹420/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1% Cashback | ₹20 | ₹240/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 10% Cashback | ₹500 | ₹6,000/yr | Active Earn |
Groceries | ₹7,000/mo | 10% Cashback | ₹200 | ₹2,400/yr | Cap Hit (₹200/mo) |
Utilities & Bills | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1% Cashback | ₹30 | ₹360/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Airtel Axis Bank Credit CardAxis Bank | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹500 | ₹499 |
| Annual fee | ₹500/yr | ₹499/yr |
| Fee waiver | Spend ₹2,00,000/yr | Spend ₹1,00,000/yr |
| Base reward | 1% cashback | 1 pts / ₹100 |
| Top reward categories | 1% utilities, 10% dining, 10% groceries | 5x online |
| Redemption friction | Auto credit | Moderate |
| Point expiry | Never expire | 24 months |
| Lounge access | None⚠ Domestic lounge access discontinued effective 12-Apr-2026. | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not specified (bank discretion) | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Verdict at a Glance
Choose Airtel Axis Bank Credit Card if your monthly spending is focused on utilities, dining.
Choose SimplyCLICK SBI Card if you spend heavily on online.
Airtel Axis Bank Credit Card vs SimplyCLICK SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Airtel Axis Bank Credit Card
At ₹25,000/month, Airtel Axis Bank Credit Card nets ₹6,780/yr vs SimplyCLICK SBI Card at ₹5,275/yr — a ₹1,505 edge.
Airtel Axis Bank Credit Card
At ₹50,000/month, Airtel Axis Bank Credit Card nets ₹11,100/yr vs SimplyCLICK SBI Card at ₹6,460/yr — a ₹4,640 edge.
Airtel Axis Bank Credit Card
At ₹1,00,000/month, Airtel Axis Bank Credit Card nets ₹15,600/yr vs SimplyCLICK SBI Card at ₹8,860/yr — a ₹6,740 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Airtel Axis Bank Credit Card or SimplyCLICK SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), Airtel Axis Bank Credit Card comes out ahead by about ₹4,640 per year, driven mostly by dining & food delivery spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Airtel Axis Bank Credit Card or SimplyCLICK SBI Card?▼
Airtel Axis Bank Credit Card earns 1% as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Airtel Axis Bank Credit Card and SimplyCLICK SBI Card?▼
Airtel Axis Bank Credit Card: ₹500 + GST per year, waived on ₹2,00,000 annual spend. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do Airtel Axis Bank Credit Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Airtel Axis Bank Credit Card excludes fuel, rent, insurance; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is SimplyCLICK SBI Card ever the better pick over Airtel Axis Bank Credit Card?▼
Yes. Holding other spends constant, SimplyCLICK SBI Card overtakes once your dining & food delivery spend falls to roughly ₹0/month. Below that point the fee and base-rate maths flip in its favour.