Head-to-head · 🇮🇳 India
SBI SimplyClick vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
Premium
Axis Bank
Axis Reserve
VISA
Wins 3 of 10
Verdict
SBI SimplyClick wins 6-3. First card for online buyers, low entry fee Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | SBI SimplyClick | Axis Reserve |
|---|---|---|
| Annual fee | ₹499 | · ₹50,000 |
| Joining fee | ₹499 | · ₹50,000 |
| Top reward rate | 10% (shopping) | · 5% (general) |
| Base reward rate | · 1.25% | 5% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹100,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹300,000 | · ₹5,000,000 |
| Min credit score | 700 | · 820 |
| 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 Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›SBI SimplyClick vs Axis Reserve: which is better?
SBI SimplyClick wins on more dimensions (6 vs 3). 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 Reserve 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 Reserve: 50,000 EDGE points + Taj Epicure membership.