Side-by-side · honest numbers
American Express Platinum Travel Card vs Axis Bank SELECT Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of American Express Platinum Travel Card, Axis Bank SELECT Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹4,209/yr.
| Feature | American Express Platinum Travel Card American Express | Axis Bank SELECT Credit Card Axis Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹62/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 2 EDGE miles/₹150 | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- American Express Platinum Travel Card leads with an estimated ₹5,990/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Platinum Travel Card
American Express
Axis Bank SELECT Credit Card
Axis Bank
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card American Express | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹62/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 3X Membership Rewards/₹150 | 2 EDGE miles/₹150 | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | ₹500 |
American Express Platinum Travel Card details →Axis Bank SELECT Credit Card details →SBI SimplyCLICK details →
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https://cardhungry.com/in/en/compare/amex-platinum-travel-vs-axis-select-vs-sbi-simplyclickMore American Express Platinum Travel Card comparisons
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