Head-to-head · 🇮🇳 India
SBI SimplyClick vs Axis Atlas
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Premium
Axis Bank
Axis Atlas
Wins 2 of 10
Verdict
SBI SimplyClick wins 5-2. First card for online buyers, low entry fee Axis Atlas is still the right call if travel-heavy spenders who transfer to airline partners (vistara, singapore airlines, etc.).
Side-by-side
| Criterion | SBI SimplyClick | Axis Atlas |
|---|---|---|
| Annual fee | ₹499 | · ₹5,000 |
| Joining fee | ₹499 | · ₹5,000 |
| Top reward rate | = 10% (shopping) | = 10% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 5,000 EDGE Miles on joining |
| Fee waiver threshold | ₹100,000 / yr | · ₹750,000 / yr |
| Min income | ₹300,000 | · ₹800,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
Axis Atlas
- 5x EDGE Miles per ₹100 on travel (5x cap above standard rate)
- 2 EDGE Miles per ₹100 on everything else
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners (1:2 ratio)
- 3.5% forex markup (high — pair with Diners for international)
FAQ
›SBI SimplyClick vs Axis Atlas: which is better?
SBI SimplyClick wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, Axis Atlas for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. Axis Atlas: 5,000 EDGE Miles on joining.