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SBI SimplyCLICK Credit Card VS Axis Bank Magnus 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: 17 July 2026

These sit at opposite ends of the spectrum. SBI SimplyCLICK Credit Card is an affordable ₹499 + GST online-shopping card with 10X points on select partners and a ₹500 Amazon voucher that nearly offsets the fee. Axis Bank Magnus Credit Card costs ₹12,500 + GST but delivers unlimited domestic and international lounge access, a 3rd-night-free hotel benefit at Oberoi/Trident, and a ₹12,500 welcome voucher. SimplyCLICK is the sensible pick for new-to-credit online shoppers; Magnus is built for high spenders who travel often and can offset the fee with ₹25L annual spend.

SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card
Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹12,500 + GST
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Spend Based WaiverAnnual membership fee waived on expenditure of ₹25 Lakhs or more in the preceding anniversary year (₹30 Lakhs for Burgundy variant).
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Yearly).
Interest Rate (APR)3.0% per month (42.58% annually) on extended credit.

Rewards & Benefits

Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Welcome BonusChoose any one gift voucher worth ₹12,500 from Luxe, Yatra, or Postcard Hotels.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Rewards Rate12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessUnlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months). 4 complimentary guest visits annually.
International Lounge Access
International Lounge AccessUnlimited complimentary international airport lounge access with Priority Pass membership. 4 complimentary guest visits annually.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Travel BenefitsUnlimited complimentary domestic and international airport lounge access. Discounted stays at Oberoi and Leela Palace Hotels.
Movie Benefits10X Reward Points on BookMyShow.
Movie Benefits
Dining Benefits10X Reward Points on Dominos and Swiggy.
Dining Benefits15% discount (up to ₹1,000 via Eazydiner) at over 4,000 restaurants under Axis Dining Delights.
Golf Benefits
Golf Benefits4 complimentary rounds of green fees per calendar year (max 1 per month) via Mastercard World Program.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000. Max waiver ₹400 per month.

Security & Other

Insurance Benefits
Insurance BenefitsCredit Shield protection worth ₹5 Lakh, Purchase protection worth ₹2 Lakh, Lost/Delayed Baggage coverage of $500.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
Cash Advance ChargesNil (interest charges are applicable).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI SimplyCLICK Credit Card

Axis Bank Magnus Credit Card

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.

Who is it for?

The Axis Bank Magnus Credit Card is a super-premium offering designed for high-income individuals seeking a luxurious lifestyle. It provides extensive travel benefits, including unlimited domestic and international airport lounge access, and a competitive 2% foreign currency markup. Cardholders enjoy a robust rewards program with accelerated earnings on travel and dining discounts. With comprehensive insurance and an annual fee waiver based on spending, it's ideal for those who frequently travel and spend big.

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.

Pros

Key benefits and features.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Reduced foreign currency markup fee of 2% makes international spends more economical.

Comprehensive insurance benefits including Credit Shield cover and purchase protection.

Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.

The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.

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.

Cons

Key drawbacks and limitations.

High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.

No golf benefits are explicitly listed in the main product details, unlike other premium cards.

Several benefits like movie BOGO offers and concierge services have been removed recently.

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.
Apply for SBI SimplyCLICK Credit Card(opens in new tab)Apply for Axis Bank Magnus Credit Card(opens in new tab)