Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Axis Bank My Zone Credit Card leads with an estimated ₹3,130/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.

Side-by-side · honest numbers

Axis Bank My Zone Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of Axis Bank My Zone Credit Card, SBI SimplySAVE — 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.

Card 1

Axis Bank My Zone Credit Card

Axis Bank

Card 2

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature	Axis Bank My Zone Credit Card Axis Bank	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹500	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹20,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,130/yr	₹2,751/yr
Groceries (offline)	—	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	—	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	4%	10 RP/₹100
Primary reward cap	₹400 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site	None
UPI rewards	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 · Rent · Wallet
Bonuses
Signup bonus	—	₹2,000

Stack mode (hold both)

Cap-aware split: ~₹4,341/yr combined NAV (₹1,211 vs best solo). Both annual fees apply.

Axis Bank My Zone Credit Card details →SBI SimplySAVE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank My Zone Credit Card leads SBI SimplySAVE by about ₹379/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 Bank My Zone Credit Card vs SBI SimplySAVE comparison table
Feature	Axis Bank My Zone Credit Card Axis Bank	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹500	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹20,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,130/yr	₹2,751/yr
Groceries (offline)	—	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	—	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	4%	10 RP/₹100
Primary reward cap	₹400 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site	None
UPI rewards	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 · 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?: Axis Bank My Zone Credit Card leads with an estimated ₹3,130/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Axis Bank My Zone Credit Card comparisons