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