Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Axis Bank Atlas Credit Card vs SBI SimplyCLICK Credit Card for ₹100,000 Monthly Spend
Comparing Axis Bank Atlas Credit Card vs SBI SimplyCLICK Credit Card at ₹100,000/month. Axis Bank Atlas Credit Card wins, delivering ₹33,460 net annual value (2.79% ROI) vs ₹14,160 for SBI SimplyCLICK Credit Card.
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₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹19,300/yr Higher Value
Axis Bank Atlas Credit Card
Delivers ₹33,460 net annual returns (2.79% ROI) vs ₹14,160 on SBI SimplyCLICK Credit Card.
Card A
Axis Bank Atlas Credit Card
Axis Bank
₹33,460Net Annual Benefit
Gross Rewards:₹39,360/yr
Effective Fee (incl. GST):₹5,900
Net ROI on Spend:2.79%
Card B
SBI SimplyCLICK Credit Card
SBI Card
₹14,160Net Annual Benefit
Gross Rewards:₹14,160/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.18%
Fee Waiver Progress (1L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,000/year Extra YieldPair Axis Bank Atlas Credit Card + Airtel Axis Bank Credit Card
Pair Axis Bank Atlas Credit Card with Airtel Axis Bank Credit Card to capture up to ₹3,000/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | Axis Bank Atlas Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹1,000 (4%) | ₹625 (2.5%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹600 (4%) | ₹38 (0.25%) |
| Electricity, Water, Gas & Broadband BillsUtility and telecom merchant category codes excluded from earning EDGE miles | ₹12,000/mo | 0% Excluded | ₹30 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹480 (4%) | ₹150 (1.25%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹400 (4%) | ₹125 (1.25%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, capped at ₹400/mo; zero EDGE miles earned | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹800 (10%) | ₹200 (2.5%) |
| LIC, Health & Term Insurance PremiumsInsurance spends excluded from earning EDGE miles | ₹5,000/mo | 0% Excluded | ₹13 (0.25%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero EDGE miles earned | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (4%) | ₹0 (0.25%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹33,460 | +₹14,160 |
Frequently Asked Questions
Which card is better between Axis Bank Atlas Credit Card and SBI SimplyCLICK Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), Axis Bank Atlas Credit Card mathematically outperforms SBI SimplyCLICK Credit Card by ₹19,300/year. Axis Bank Atlas Credit Card delivers ₹33,460 net annual benefit (2.79% effective yield), while SBI SimplyCLICK Credit Card returns ₹14,160 (1.18% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: Axis Bank Atlas Credit Card annual fee is payable at ₹5,900 (incl. 18% GST). SBI SimplyCLICK Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Axis Bank Atlas Credit Card loses ₹0/year to monthly cashback caps, while SBI SimplyCLICK Credit Card loses ₹0/year. Axis Bank Atlas Credit Card remains uncapped at this spend. SBI SimplyCLICK Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Axis Bank Atlas Credit Card and SBI SimplyCLICK Credit Card?▼
The calculated crossover breakeven spend is ₹24,000/month, where higher-fee benefits overtake the lower-fee option.