IndusInd Bank Platinum Aura Edge 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.
| Feature |  IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank5 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% base, up to 1.6% on dining | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.2% | 0.17% | |
| Dining and food delivery | 1.6% | 1.67% | |
| Groceries | 0.2% | 1.67% | |
| Travel: flights, hotels, trains | 0.2% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.2% | 0.17% | |
| Rent | 0.2% | Earns nothing | |
| Insurance premiums | 0.2% | 0.17% | |
| School and college fees | 0.2% | 0.17% | |
| Wallet top-ups | 0.2% | 0.17% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.2% | 0.17% | |
| Everything else | 0.2% | 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 | |||
| 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 | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.95% | 3.75% | |
| Interest rate (annual) | 47.4% | 45% | |
| Redemption | |||
| Redemption fee | ₹100 | - | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | 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
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend the two come out level. 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
- First-time credit card users
- Department store shoppers
- People buying electronics or appliances
- Users earning Rs 25,000 a month or more
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Base earn on other spends is very low
- 3.5% forex markup
- No lounge access listed
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (IndusInd Bank Platinum Aura Edge 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, IndusInd Bank Platinum Aura Edge Credit Card or SBI SimplySAVE Credit Card?
IndusInd Bank Platinum Aura Edge Credit Card. IndusInd Bank Platinum Aura Edge 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?
IndusInd Bank Platinum Aura Edge Credit Card has the lowest forex markup. IndusInd Bank Platinum Aura Edge Credit Card: 3.5%; 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: IndusInd Bank Platinum Aura Edge Credit Card 0.2%, 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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