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Axis Bank Neo Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of Axis Bank Neo 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

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Spend assumptions

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

Axis Bank Neo Credit Card

Axis Bank

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature
Axis Bank Neo Credit Card

Axis Bank Neo Credit Card

Axis Bank

SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹15,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,751/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹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 rate10% off10 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: Per Neo reward structure on eligible spends · cap Issuer caps applyEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

Stack mode (hold both)

Cap-aware split: ~₹3,371/yr combined NAV (₹620 vs best solo). Both annual fees apply.

Axis Bank Neo Credit Card details →SBI SimplySAVE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplySAVE leads Axis Bank Neo Credit Card by about ₹1,731/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 Neo Credit Card vs SBI SimplySAVE comparison table
FeatureAxis Bank Neo Credit Card

Axis Bank

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹15,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,751/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹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 rate10% off10 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: Per Neo reward structure on eligible spends · cap Issuer caps applyEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

Frequently asked questions

Which card has the lower annual fee?
Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI SimplySAVE leads with an estimated ₹2,751/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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