AU CA 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: 5 October 2026.
| Feature |  AU CA Credit CardAU Small Finance Bank5 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 2% on dining | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.5%; 2% only at Software purchases | 0.17% | |
| Dining and food delivery | 2% | 1.67% | |
| Groceries | 0.5% | 1.67% | |
| Travel: flights, hotels, trains | 2% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.25% | 0.17% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 0.17% | |
| School and college fees | Earns nothing | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government payments | Not stated; 2% only at Tax payments | Earns nothing | |
| Spend abroad or in a foreign currency | 0.5% | 0.17% | |
| Everything else | 0.5% | 0.17% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | Free | ₹499 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 75 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | 1.99% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 2.99% | 3.75% | |
| Interest rate (annual) | 35.88% | 45% | |
| Page content | |||
| Documents needed | PAN card ICAI membership proof Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,100
- Fee a year
- ₹0
- You keep
- ₹2,100
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, AU CA Credit Card comes out ₹780 a year ahead of SBI SimplySAVE 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
- Online shopping only at Software purchases: 2% back, up to ₹1,250 a month
- Dining: 2% back, up to ₹1,250 a month
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Skip it if most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- Skip it if you rarely spend on Software purchases, dining, travel or Tax payments: the 2% rate applies only there, everything else earns 0.5%
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (AU CA 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 CA Credit Card or SBI SimplySAVE Credit Card?
AU CA Credit Card. AU CA Credit Card: no annual fee; SBI SimplySAVE Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
AU CA Credit Card has the lowest forex markup. AU CA Credit Card: 1.99%; 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 CA 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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