1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
Compare 3+ cards →
Axis Bank ACE vs SBI Card SimplySAVE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the SBI Card SimplySAVE. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for lounge access and rewards.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendSimplySAVE ₹499 Waivable at ₹1,00,000 spend
- Forex markup ACE 3.5%SimplySAVE 3.5%
- Domestic lounge ACE: +4 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsSimplySAVE No complimentary lounge access
Reward earning explained
Per card1 pt / ₹150 · 10 pts / ₹150 on eligible departmental Stores, dining, grocery, and movies
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs SBI Card SimplySAVE: ₹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 Axis Bank ACE wins Axis Bank ACE is better for rewards
Axis Bank ACE is stronger here. Axis Bank ACE conservative base value ~1.5% vs SBI Card SimplySAVE's ~0.2%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- SBI SimplySAVE: ~₹80/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | SimplySAVE 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 SimplySAVE | Not specified | ₹400–₹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 · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 1.5% vs 1 pt / ₹150 | 1.5% | 1 pt / ₹150 |
| Conservative base value ~1.5% vs ~0.2% | ~1.5% | ~0.2% |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs 5,000 points per month — shared across Departmental Stores, Dining, Grocery & Movies | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | 5,000 points per month — shared across Departmental Stores, Dining, Grocery & Movies |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
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 , opens external siteSBI Card SimplySAVE
Verify with issuer , opens external site