Which card has a lower forex fee: Axis Bank ACE Credit Card or SBI SimplyCLICK RuPay Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or SBI SimplyCLICK RuPay Credit Card?

Both cards have the same annual fee (₹499 annual fee).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. SBI SimplyCLICK RuPay Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs SBI Card SimplyCLICK RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the SBI Card SimplyCLICK RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

ACE

SimplyCLICK RuPay

The short answer

Verdict

Pick ACE for lounge access.

Pick SimplyCLICK RuPay for upi.

Head-to-head

Three core metrics

Annual fee

ACE ₹499 Waivable at ₹2,00,000 spend

SimplyCLICK RuPay ₹499 Waivable at ₹1,00,000 spend
Forex markup

ACE 3.5%

SimplyCLICK RuPay 3.5%
Domestic lounge

ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

SimplyCLICK RuPay No complimentary lounge access

ACE: +4 lounge visits/yr

Reward earning explained

Per card

ACE

1.5% · Up to 5% on Google Pay

Strong data

SimplyCLICK RuPay

1 pt / ₹100 · Up to 10 pts / ₹100 on online spend

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs SBI Card SimplyCLICK RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank ACE wins

Axis Bank ACE is better for lounge access

Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank ACE conservative base value ~1.5% per ₹100. SBI Card SimplyCLICK RuPay is not safely INR-comparable (no usable point value).

ACE: Strong data SimplyCLICK RuPay: Strong data
upi SBI Card SimplyCLICK RuPay wins

SBI Card SimplyCLICK RuPay is better for UPI usage

SBI Card SimplyCLICK RuPay is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
SBI SimplyCLICK RuPay: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	ACE Axis Bank	SimplyCLICK RuPay SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year vs No complimentary lounge access	4/year	No complimentary lounge access
International lounge visits Only available for ACE	No international lounge access	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee	₹499	₹499
Annual-fee waiver ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for SBI SimplyCLICK RuPay	Not specified	₹100–₹1,100 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap	Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap
Rewards
Base earn 1.5% vs 1 pt / ₹100	1.5%	1 pt / ₹100
Conservative base value ~1.5% vs Not safely INR-comparable	~1.5%	Not safely INR-comparable
Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs 10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend	₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic)	10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE	₹1	Not specified

Notes

Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank ACE

Verify with issuer

SBI Card SimplyCLICK RuPay

Verify with issuer