Side-by-side · honest numbers
AU Zenith Credit Card vs Axis Bank SELECT Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of AU Zenith Credit Card, Axis Bank SELECT Credit Card, SBI SimplySAVE — 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, SBI SimplySAVE ranks first for estimated net annual value — ahead of Axis Bank SELECT Credit Card by about ₹5,543/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Axis Bank SELECT Credit Card Axis Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹62/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 3X points/₹150 | 2 EDGE miles/₹150 | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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.
AU Zenith Credit Card
AU Small Finance Bank
Axis Bank SELECT Credit Card
Axis Bank
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | 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 CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹62/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 3X points/₹150 | 2 EDGE miles/₹150 | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/au-zenith-vs-axis-select-vs-sbi-simplysaveMore AU Zenith Credit Card comparisons
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