Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs SBI Card ELITE vs SBI SimplyCLICK
Honest side-by-side comparison of Axis Bank Magnus Credit Card, SBI Card ELITE, 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, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹15,471/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | SBI Card ELITE SBI Card | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹4,999 | ₹499 |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | No waiver published |
| Min income | ₹1,00,000/mo | ₹60,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹1,701/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 5X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | 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 · Wallet · Jewellery | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹5,000 | ₹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?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/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.
Axis Bank Magnus Credit Card
Axis Bank
SBI Card ELITE
SBI Card
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | 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 | ₹12,500 | ₹4,999 | ₹499 |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | No waiver published |
| Min income | ₹1,00,000/mo | ₹60,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹1,701/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 5X reward points | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | 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 · Wallet · Jewellery | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹5,000 | ₹500 |
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https://cardhungry.com/in/en/compare/axis-magnus-vs-sbi-elite-vs-sbi-simplyclickMore Axis Bank Magnus Credit Card comparisons
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