CardHungry

Side-by-side · honest numbers

Axis IOCL Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of Axis IOCL Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis IOCL Credit Card

Axis Bank

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
Axis IOCL Credit Card

Axis IOCL Credit Card

Axis Bank

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹910/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Groceries (offline)₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)—
Fuel₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo—
Top reward rate20 Edge Miles/₹10010X points
Primary reward cap₹5,000 eligible spend/mo₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsNon-IOCL fuel · EMI · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹2,141/yr combined NAV (₹1,230 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →SBI SimplyCLICK details →

Share this comparison

https://cardhungry.com/in/en/compare/axis-iocl-vs-sbi-simplyclick

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplyCLICK leads Axis IOCL Credit Card by about ₹1/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis IOCL Credit Card vs SBI SimplyCLICK comparison table
FeatureAxis IOCL Credit Card

Axis Bank

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹910/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Groceries (offline)₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)—
Fuel₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo—
Top reward rate20 Edge Miles/₹10010X points
Primary reward cap₹5,000 eligible spend/mo₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsNon-IOCL fuel · EMI · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹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?
SBI SimplyCLICK leads with an estimated ₹911/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.

More Axis IOCL Credit Card comparisons