Axis Bank SELECT Credit Card vs City Union Bank Simplysave SBI Card: Comparison Analysis (2026)

Looking specifically at Axis Bank SELECT Credit Card vs City Union Bank Simplysave SBI Card, For Axis Bank SELECT Credit Card, the joining fee is Nil and the recurring annual renewal fee is ₹ 3,000. In contrast, City Union Bank Simplysave SBI Card charges a joining fee of Nil and an annual fee of ₹ 499. In India, annual membership charges for both cards are subject to 18% Goods & Services Tax (GST).

From a cardholder's perspective, Spend-based waivers let you reverse annual renewal charges. For Axis Bank SELECT Credit Card, the annual fee is waived by reaching the annual milestone retail spend. For City Union Bank Simplysave SBI Card, you can get the fee reversed by reaching the annual milestone retail spend. Check your average monthly transactions to confirm which milestone you can reach naturally without overspending.

The useful distinction here is simple: Axis Bank SELECT Credit Card offers 20 EDGE Points per ₹200 on retail spends up to ₹20,000 per month (~2%); 10 EDGE Points per ₹200 on all other spends (~1%), with A solid daily accumulation engine. You net 10 EDGE points for every ₹200 on standard spends, which doubles to 20 points per ₹200 when shopping for high-frequency needs like apparel, groceries, and department stores. You also trigger a 5,000-point milestone bonus upon crossing ₹3 Lakhs in annual spending.. Meanwhile, City Union Bank Simplysave SBI Card delivers 10X Reward Points on everyday spends, with Earn 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery purchases. Earn 1 Reward Point per ₹150 spent on all other eligible categories. 4 Reward Points = ₹1 (Base redemption value is ₹0.25 per point). If you want hassle-free monthly statement discounts, direct cashback is best; if you plan to redeem for flight tickets or hotel stays, reward point systems often offer higher multiplier returns.

For airport lounge access, Axis Bank SELECT Credit Card offers 6 Complimentary International Lounge visits per year via Priority Pass., while City Union Bank Simplysave SBI Card does not include complimentary airport lounge visits. Always verify whether either card requires minimum calendar-quarter spends (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock complimentary access vouchers.

For a practical 2026 decision, Axis Bank SELECT Credit Card features: "Kickstart your premium journey with a hefty welcome bonus of 10,000 EDGE Reward Points upon your first swipe within 30 days, easily offsetting the initial joining fee.". Meanwhile, City Union Bank Simplysave SBI Card provides: "2,000 bonus Reward Points on spending ₹2,000 or more within the first 60 days of card setup.". These introductory gifts help recoup first-year joining costs right away.

Looking specifically at Axis Bank SELECT Credit Card vs City Union Bank Simplysave SBI Card, CardsGuruji's score guidance for Axis Bank SELECT Credit Card is 750+; CardsGuruji's score guidance for City Union Bank Simplysave SBI Card is 700+. This is editorial guidance, not an issuer requirement. Each bank independently evaluates income, employment, existing obligations, repayment history and other criteria; check the current issuer terms, and remember that no score guarantees approval.

From a cardholder's perspective, Yes, holding both cards simultaneously can be a powerful two-card wallet strategy if they serve complementary spend categories (for example, using one card for online shopping and groceries, and the other for utility bills, travel, or fuel). If both cards are issued by different banks, each bank grants an independent credit limit, which increases your overall available credit and helps lower your credit utilization ratio.

The useful distinction here is simple: Both Axis Bank SELECT Credit Card and City Union Bank Simplysave SBI Card standardly offer a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 or ₹5,000 at petrol stations nationwide (subject to monthly waiver caps). However, categories like rent payments, wallet reloads, cash withdrawals, and government utility bills are often excluded from earning points or carry separate processing surcharges.

Choose Axis Bank SELECT Credit Card if your spending aligns with its primary reward partner ecosystem, you can comfortably achieve its fee waiver milestone, and its fee structure (₹ 3,000) fits your budget. Select City Union Bank Simplysave SBI Card if you will actively use its unique perks (10X Reward Points on everyday spends) and lounge access privileges (secondary travel perks). You can apply for either card online with paperless digital KYC verification.