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

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

Which card offers better lounge access?

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

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.17%).

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.

Lounge Axis Bank ACE Rewards Axis Bank ACE

Quick comparison

Three core metrics

ACE Axis Bank

Annual fee ₹499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

SimplySAVE SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ACE

1.5% · Up to 5% on Google Pay

Limited data

SimplySAVE

1 pt / ₹150 · Up to 10 pts / ₹150 on Departmental Stores

Limited data

Pick based on what matters

3 dimensions

Start 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%.

Axis Bank ACE

Confidence: Low (limited information available)

Verify with issuer

SBI Card SimplySAVE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

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.

Swipe for all fields

Field	ACE Axis Bank	SimplySAVE SBI Card
Lounge Access
Domestic lounge visits 4/year vs No complimentary lounge access	4/year	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
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%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25
Point validity Only available for SBI SimplySAVE	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.