Axis Bank Neo vs SimplyCLICK SBI Card
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Neo vs SimplyCLICK SBI Card (Sept 2026): for the standard ₹32k/month profile SimplyCLICK SBI Card wins on score (46/100, ₹6,394 recurring net savings a year) vs Neo 35/100 (₹2,266). Cheapest to hold: Neo (₹295 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Axis Bank Neo scores highest (35/100) with ₹2,266 recurring net savings a year. SimplyCLICK SBI Card saves more in pure rupees (₹6,394) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 35/100 | 46/100 BEST |
| Recurring net savings | ₹2,266/yr | ₹6,394/yr BEST |
| Effective savings rate | 0.7% | 2.0% BEST |
| Annual fee incl. GST | Waived | Waived |
| Usable lounge visits | ✈ none you can use 0 | ✈ none you can use 0 |
| Why it fits | ✓ 40% off Zomato up to ₹120 (twice a month) earns you about ₹1,680 a… | ✓ 5X on all other online spends earns you about ₹1,575 a year on… |
| Main drawback | ! No usable lounge access although you asked for it. | ! No usable lounge access although you asked for it. |
| How the net figure adds up | ||
| + Reward value on your spend | ₹1,906 at ₹0.2/EDGE Reward Points | ₹2,434 at ₹0.25/SBI Reward Points BEST |
| + Milestone bonuses you reach | none | ₹3,600 2 of 2 achieved BEST |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 waived at ₹50,000 spend | ₹0 waived at ₹1,00,000 spend |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹2,266/yr | ₹6,394/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 0.7% | 2.0% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹43 0.1% | ₹108 0.1% BEST |
| Dining & food delivery (₹48,000/yr) | ₹1,705 3.6% BEST | ₹442 0.9% |
| Online shopping (₹72,000/yr) | ₹72 0.1% | ₹1,215 1.7% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹11 0.1% | ₹27 0.1% BEST |
| Bills & utilities (₹30,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹24 0.1% | ₹300 1.3% BEST |
| Hotels (₹12,000/yr) | ₹12 0.1% | ₹150 1.3% BEST |
| Movies & OTT (₹9,600/yr) | ₹10 0.1% | ₹120 1.3% BEST |
| Insurance premiums (₹18,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹29 0.1% | ₹72 0.1% BEST |
| Base earn rate | 0.1% | 0.25% BEST |
| Accelerated categories | 3 rules
| 2 rules
|
| Excluded categories | fuel, rent, utilities, insurance, education | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones | None |
|
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹250 + GST | ₹499 + GST |
| Fee waiver | On ₹50,000 annual spend | On ₹1,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | None | ₹500 Amazon voucher on fee payment ≈ ₹450 |
| First-year value (separate) | ₹1,971 | ₹6,255 BEST |
| Travel | ||
| Domestic lounge entitlement | None | None |
| International lounge entitlement | None | None |
| Lounge condition | None | None |
| Forex markup | 3.5% | 3.5% |
| Redemption & simplicity | ||
| Reward currency | EDGE Reward Points · ₹0.2/unit | SBI Reward Points · ₹0.25/unit |
| How to redeem | Details1 ERP = ₹0.20. | Details1 RP = ₹0.25 on vouchers and statement credit. |
| Redemption flexibility | ★★★★☆ BEST | ★★★☆☆ |
| Simplicity | ★★★★☆ BEST | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver | fuel waiver |
| Eligibility | Income ₹3L+/yr | Income ₹2L+/yr; easy approval |
| Score breakdown | ||
| Net savings rate | 14/100 × 55% = 7.7 | 40/100 × 55% = 21.8 |
| Usable lounge access | 0/100 × 15% = 0.0 | 0/100 × 15% = 0.0 |
| Redemption flexibility | 80/100 × 10% = 8.0 | 60/100 × 10% = 6.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 60/100 × 5% = 3.0 |
| Fee safety | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Sources | ||
| Official source | Axis Bank – Neo product page | SBI Card – SimplyCLICK |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Neo or SimplyCLICK SBI Card?
For the example profile, SimplyCLICK SBI Card scores highest (46/100, ₹6,394 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Neo: ₹295 incl. GST; SimplyCLICK SBI Card: ₹589 incl. GST.