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Axis My Zone Credit Card VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 September 2026

Both SBI SimplyCLICK Credit Card and Axis My Zone Credit Card suit shopping-focused spenders, but they earn and cost differently. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. Axis My Zone Credit Card costs ₹500 + GST and earns 4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20. SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while Axis My Zone Credit Card counters with 1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if movies is the priority, Axis My Zone Credit Card fits better.

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CheQ AU Credit Card

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Axis My Zone Credit Card
Axis My Zone Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% per month (55.55% per annum).
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusComplimentary SonyLiv Premium annual subscription worth ₹1,499 after first transaction.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards Rate4 EDGE Points per ₹200 spent (0.4% reward rate).
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per calendar quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsFlat 7% off (up to ₹2k) on flights & 18% off (up to ₹4k) on hotels via Cleartrip.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie BenefitsBOGO movie tickets via District by Zomato, up to ₹200 off on 2nd ticket monthly.
Movie Benefits10X Reward Points on BookMyShow.
Dining BenefitsFlat ₹120 off on Swiggy (2x/month), up to 15% off (max ₹500) with EazyDiner.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹4,000), max ₹400 waiver per cycle.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawal amount, min ₹500.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis My Zone Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The Axis My Zone Credit Card is an entry-level offering from Axis Bank, ideal for new-to-credit individuals and those who frequently spend on movies, dining, and food. It provides a complimentary SonyLiv Premium annual subscription, attractive Buy One Get One movie offers, significant Swiggy discounts, and domestic airport lounge access. Available on multiple networks including RuPay with UPI linking, it offers substantial value for a nominal fee.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

Excellent Buy One Get One movie ticket offers via District by Zomato for movie enthusiasts.

Enjoy significant discounts on food delivery orders through Swiggy, enhancing daily savings.

Complimentary domestic airport lounge access adds convenience for frequent domestic travelers.

Attractive discounts on shopping platforms like AJIO and dining via EazyDiner and Dining Delights.

Welcome benefit includes a complimentary SonyLiv Premium annual subscription worth ₹1,499.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

Lounge access is conditional on a substantial ₹50,000 spend in the preceding calendar quarter.

No reward points on key categories like movies, fuel, wallet reloads, and utility payments.

The general reward rate of 0.4% on eligible spends is relatively low for a credit card.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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