- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs SBI Card SimplySAVE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the SBI Card SimplySAVE. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge Axis Bank IndianOil Axis Bank Premium RuPay upi Axis Bank IndianOil Axis Bank Premium RuPay
Quick comparison
Three core metrics- Annual fee ₹499 Waivable at ₹1,00,000 spend
- Forex markup 3.5%
- Domestic lounge No complimentary lounge access
Reward earning explained
Per card1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Limited data1 pt / ₹150 · Up to 10 pts / ₹150 on Departmental Stores
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs SBI Card SimplySAVE: ₹499), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for lounge access
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Tie Both cards are similar for rewards
Axis Bank IndianOil Axis Bank Premium RuPay conservative base value ~0.1% vs SBI Card SimplySAVE's ~0.2%. SBI Card SimplySAVE conservative base value ~0.2% vs Axis Bank IndianOil Axis Bank Premium RuPay's ~0.1%.
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upi Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for UPI usage
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Supports UPI via RuPay network.
Axis Bank IndianOil Axis Bank Premium RuPay
Confidence: Low (limited information available)
Verify with issuer , opens external siteSBI Card SimplySAVE
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI SimplySAVE: ~₹80/month at base rate
- IndianOil Axis Bank Premium: ~₹70/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | SimplySAVE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹499 | ₹1,000 | ₹499 |
| Joining fee ₹1,000 vs ₹499 | ₹1,000 | ₹499 |
| Fee waiver spend ₹30,000 vs ₹1,00,000 | ₹30,000 | ₹1,00,000 |
| Rewards | ||
| Points per ₹150 1 EDGE Miles / ₹150 vs 1 pt / ₹150 | 1 EDGE Miles / ₹150 | 1 pt / ₹150 |
| Conservative base value ~0.1% vs ~0.2% | ~0.1% | ~0.2% |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI SimplySAVE | Not specified | ₹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.