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AU Ananta vs SBI SimplySAVE Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Ananta Credit Card versus SBI SimplySAVE Credit Card compared
FeatureAU Ananta Credit CardAU Ananta Credit CardAU Small Finance Bank3 recent changes →
SBI SimplySAVE Credit CardSBI SimplySAVE Credit CardState Bank of India4 recent changes →
Rewards by spend
Rewards0.5% base, up to 1.25% on dining0.17% base, up to 1.67% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.25%0.17%
Dining and food delivery1.25%1.67%
Groceries0.5%1.67%
Travel: flights, hotels, trains1.25%0.17%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%0.17%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%0.17%
School and college feesEarns nothing0.17%
Wallet top-ups0.5%0.17%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.5%0.17%
Everything else0.5%0.17%
Card identity
Card typesameDiningDining
NetworksameVisaVisa
Card tierMidEntry
Fees
Joining fee₹2,000 + GST₹499 + GST
Annual fee₹2,000 + GST₹499 + GST
Fee waived at₹3,00,000₹1,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹200₹100
Lounge access
Domestic lounge visits16-
International lounge visits0-
Lounge condition4 complimentary domestic airport lounge visits per calendar quarter, unlocked by booking a ₹5,000+ flight via AU Rewardz that quarter-
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

AU Ananta Credit Card
Rewards a year
₹1,656
Fee a year
- ₹2,360
You keep
- ₹704
SBI SimplySAVE Credit Card
Rewards a year
₹1,320
Fee a year
₹0
You keep
₹1,320

At this spend, SBI SimplySAVE Credit Card comes out ₹2,024 a year ahead of AU Ananta Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Ananta Credit Card
  • Salaried users earning Rs 25,000 a month or more
  • Heavy online shoppers and diners
  • People who spend Rs 3 lakh or more a year on one card
  • Occasional domestic flyers who book through the bank portal
SBI SimplySAVE Credit Card
  • First-time card users
  • Families with regular grocery bills
  • People who eat out often

Watch-Outs

AU Ananta Credit Card
  • 5X earning is capped at 5,000 points a statement, shared across all three categories
  • Lounge visits need a Rs 5,000 flight booking on AU Rewardz that quarter
  • No points on fuel, rent, education, government payments, EMIs or bill payments via BBPS
  • 3.49% forex markup makes it poor for foreign spends
SBI SimplySAVE Credit Card
  • Very low rate outside 10X categories
  • Accelerated points are capped monthly
  • No lounge access

Card data sourced via CardAdvisor.in (AU Ananta Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Ananta Credit Card or SBI SimplySAVE Credit Card?

SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; AU Ananta Credit Card: ₹2,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Ananta Credit Card has the lowest forex markup. AU Ananta Credit Card: 3.49%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: AU Ananta Credit Card 0.5%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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