AXIS ace vs SBI Simplyclick

Nothing on wallet recharge

Sudarshan61 wrote:

Dont miss the Gpay Bill payments which is 5% via Ace credit card.
Enjoy your new card

almost everyone is giving 5% on bill payment

mobikwik by using that cash thing
amazon on some bills (u get 20% anyway if u got rupay )
payzapp has been giving it since eons
HDFC smartpay
SBI too have some autobill registration
better wud we to pay by ola money and get 7% instead using sbi ola card

so that cant be the sole reason

what i am eyeing that this card wud be usefull if a money rotation trick comes by , as it got both billdesk payment as well as 2% where as sbi got 1.25% only (5X 0.25)

sud i be cancelling my simplyclick now as i already spend 30K on it and spending rest of 70K for annual fees waiver will incur me opputunity cost of (2-1.25)% X 70K=Rs. 525 which is greater then the annnual cost of SBI card Rs.500, but cleartrip milestone of Rs. 2000 is what is holding me on this card

consider spend on 2 lac annualy on both card

SBI simplyclick =1.25%x2L=2500(rewards RS)+4000(cleartrip)=6500/200000=3.25% profit
AXIS ACE=2%

both dont get me points on wallet ; axis may have better offer and restaurant delights;i like cashback over cleartrip;i one time thought of converting simplyclick to simplysave will need Rs. 23600 spend to breakeven the cost of 500+18% GST and after it every thign wud be 2.5% but it simplysupport mention grocery (which is online for me) and department store (for me it wud need to be apparrel ) so citi reward is better contender with 2.5% on apparrel AND dept. store.. so the question wud be the definition of "Dept. store " of SBI vs “DEpt stores and apparell” of citibank .. mrchant code is unknown entity at shops so user pl. comment on exp.

editted:cal for simplyclick profit

demerius2020 wrote:

almost everyone is giving 5% on bill payment

No one is giving unlimited.
Payzapp has like 100 Max or 150
RuPay card benefit is again limited to Rs100 per month .

As of now no limit on 5% cashback for bill payments..

Fanil wrote:

Simply click have fee waiver at 1L vs Ace at 2L
Amazon cashback on simply click is 2.5% where as 2% for Ace
2k Cleartrip Voucher on spends of 1L & 2L each vs no milestone benefit for Ace

Advantages of Ace
5% cashback on all gpay transactions
2% cashback on all others transactions. Simply click wins at Amazon but sucks at other merchants
Lounge access on Ace card vs no lounge access on simply click.

Ideally if you spend only 2L per year, simply click is a better option only due to 4k Cleartrip Voucher else Ace is what you shall look for

already for Amazon ICICI for 5% amazon so amazon shop is out of picture untill yono come with amazon again making it 7.25% with yono+simplyclick, as a matter of fact Rupay 20% is far better then all this once i had suffiecient amt of rupay cards

Sudarshan61 wrote:

No one is giving unlimited.
Payzapp has like 100 Max or 150
RuPay card benefit is again limited to Rs100 per month .

As of now no limit on 5% cashback for bill payments..

HDFC smartbuy?
further one get 1% extra when recharged payzapp wallet with amazon icici making it 5+1=6%

demerius2020 wrote:

HDFC smartbuy?
further one get 1% extra when recharged payzapp wallet with amazon icici making it 5+1=6%

Max is 50 in Payzapp. Soon they may make 25 also

Fanil wrote:

Simply click have fee waiver at 1L vs Ace at 2L
Amazon cashback on simply click is 2.5% where as 2% for Ace
2k Cleartrip Voucher on spends of 1L & 2L each vs no milestone benefit for Ace

Advantages of Ace
5% cashback on all gpay transactions
2% cashback on all others transactions. Simply click wins at Amazon but sucks at other merchants
Lounge access on Ace card vs no lounge access on simply click.

Ideally if you spend only 2L per year, simply click is a better option only due to 4k Cleartrip Voucher else Ace is what you shall look for

Worth adding grab.D.e.a.l benefits on ace…they keep doing flat 10% cash backs on Amazon…axis portal is one of the underrated thing.

DO local shops count for dept. stores in SBI simplysave?

demerius2020 wrote:

HDFC smartbuy?
further one get 1% extra when recharged payzapp wallet with amazon icici making it 5+1=6%

HDFC smartbuy has limit as well…
Plus does it give discount on bill pays??

Ace is way ahead

After every transaction you get sms
In sbi no reward for < 100 Rs txn
Reward redemption only as Amazon voucher. Ace is statement

By looking at sbi statement no easy way to know which txns gave rewards

For offline no 10x for Sbi, ace will l give 2%

avgn wrote:

Ace is way ahead

After every transaction you get sms
In sbi no reward for < 100 Rs txn
Reward redemption only as Amazon voucher. Ace is statement

By looking at sbi statement no easy way to know which txns gave rewards

For offline no 10x for Sbi, ace will l give 2%

do ACE give 2% on <100 Rs. TXN?

sbi simplysave give 2.25% on dept stores, Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.SBI 1RP=0.25

demerius2020 wrote:

do ACE give 2% on <100 Rs. TXN?

sbi simplysave give 2.25% on dept stores, Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.SBI 1RP=0.25

Yes

Simply click is best for only on amazon purchases, Ace is a alrounder card. 5 %cashback unlimited on electricity and recharges .. Its a gem 💎 actually..

Fanil wrote:

Simply click have fee waiver at 1L vs Ace at 2L
Amazon cashback on simply click is 2.5% where as 2% for Ace
2k Cleartrip Voucher on spends of 1L & 2L each vs no milestone benefit for Ace

Advantages of Ace
5% cashback on all gpay transactions
2% cashback on all others transactions. Simply click wins at Amazon but sucks at other merchants
Lounge access on Ace card vs no lounge access on simply click.

Ideally if you spend only 2L per year, simply click is a better option only due to 4k Cleartrip Voucher else Ace is what you shall look for

How to get that cleartrip voucher?
I crossed 2 lakhs spend on simplyclick in last 6 months, but didn’t receive anything. Is that coming at the end of 1 year?

ACE is way better if you want to keep things simple and enjoy life. Simplyclick will make life complicated by adding complicated reward points calculation.

good_virus wrote:

How to get that cleartrip voucher?
I crossed 2 lakhs spend on simplyclick in last 6 months, but didn’t receive anything. Is that coming at the end of 1 year?

Ask to his highness sbi cutomercare

demerius2020 wrote:

Ask to his highness sbi cutomercare

They are the biggest cheaters.
They charged me annual fee even after spending 2 lakhs on card.
h2. on complaining got this response.

_Annual Fee: We wish to apprise you the annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account. _

_We wish to inform you that annual fee of Rs.499 plus GST (Applicable Taxes) is applicable for your card account. _

_We regret to inform you that we are unable to reverse any amount towards the annual membership fee on your SBI card account. _

We wish to inform you that as per our records, a waiver of the annual fee on your SBI card account was applicable only in case there was a usage for more than Rs.1.00.0000 in an year on your SBI card account.

This is with reference to your request regarding annual fee Rs. 499 plus GST reversal on your SBI Credit card.

We have reversed the charges of Annual Fee Rs. 499 plus applicable taxes as a services gesture and same will reflect in your next statement.

We also thank you for your patience and interim cooperation with us.

Annual fee: As you are aware, annual fee was levied on your card account post receipt of your consent, duly signed, along with your SBI card application. While we do understand your concerns reversal of annual fee on your card account.

Please appreciate that annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

However, as per features of the product, we are glad to offer waiver of the renewal fee every year in case total annual spends on your card for the previous year are Rs.100,000 or more for all the eligible customer.

demerius2020 wrote:

already for Amazon ICICI for 5% amazon so amazon shop is out of picture untill yono come with amazon again making it 7.25% with yono+simplyclick, as a matter of fact Rupay 20% is far better then all this once i had suffiecient amt of rupay cards

Can you explain the rupay 20% offer?

good_virus wrote:

They are the biggest cheaters.
They charged me annual fee even after spending 2 lakhs on card.
h2. on complaining got this response.

_Annual Fee: We wish to apprise you the annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account. _

_We wish to inform you that annual fee of Rs.499 plus GST (Applicable Taxes) is applicable for your card account. _

_We regret to inform you that we are unable to reverse any amount towards the annual membership fee on your SBI card account. _

We wish to inform you that as per our records, a waiver of the annual fee on your SBI card account was applicable only in case there was a usage for more than Rs.1.00.0000 in an year on your SBI card account.

Escalated to Next level and got this.

This is with reference to your request regarding annual fee Rs. 499 plus GST reversal on your SBI Credit card.

We have reversed the charges of Annual Fee Rs. 499 plus applicable taxes as a services gesture and same will reflect in your next statement.

We also thank you for your patience and interim cooperation with us.

Annual fee: As you are aware, annual fee was levied on your card account post receipt of your consent, duly signed, along with your SBI card application. While we do understand your concerns reversal of annual fee on your card account.

Please appreciate that annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

However, as per features of the product, we are glad to offer waiver of the renewal fee every year in case total annual spends on your card for the previous year are Rs.100,000 or more for all the eligible customer.

Instead of admitting their mistake they are showing off like doing some favor to me.

this is not joke i tell you joke

i usually dont talk to SBI customer care joker as they are dumb .. just ask them the difference between billed and unbilled txn and they cry like babies

so i send them mail and CC the customer care head
Asked those as-wholes “can the credit lmit from one card be trasnferred to another sbi card ?”, before anything the customercarehead gave the email reply -“No !,for that you have to close the card”. and on same day later the customercare executive gave email reply “it has been sucessfully done” .. what a bunch of jokers having no sync withiin themselves, that too on email with written email from official email

another of their joke is if you spent some amt on a website for the first time ,, immediately your card is blocked “suspecting suspicious txn” and a call is come , in case your mobile is silence or switch off at night which is when we get time for shopping online , u wud be struck till morning at the mercy of SBI CC guy who will speak like self-pity old guy ki “system block the card only when you have done something suspicious”

but they are NOT cheaters only fools

i was asking for SBI prime in begining they refused, now they are offering me upgrade when i am happy with simplyclick , also their unwritten rule is they dont give simplyclick and simplysave together as they consider it same card.. so i asked them to give simplysave as addon card to simplyclick as the same card wud be given as addon, now they tell no it is different

also if you question them more they will either hung up on you or will escape door like ki sir you are using inappropiate language, wtf??

only ola 7% and simplyclick 1.25% is good rest ALL SBI card up down and center is junk material

prem4998 wrote:

Can you explain the rupay 20% offer?

100 off on 500 recahrge thru rupay platinum card on amazon/month

100/500=20% (did i miss the math?)

demerius2020 wrote:

this is not joke i tell you joke

i usually dont talk to SBI customer care joker as they are dumb .. just ask them the difference between billed and unbilled txn and they cry like babies

so i send them mail and CC the customer care head
Asked those as-wholes “can the credit lmit from one card be trasnferred to another sbi card ?”, before anything the customercarehead gave the email reply -“No !,for that you have to close the card”. and on same day later the customercare executive gave email reply “it has been sucessfully done” .. what a bunch of jokers having no sync withiin themselves, that too on email with written email from official email

another of their joke is if you spent some amt on a website for the first time ,, immediately your card is blocked “suspecting suspicious txn” and a call is come , in case your mobile is silence or switch off at night which is when we get time for shopping online , u wud be struck till morning at the mercy of SBI CC guy who will speak like self-pity old guy ki “system block the card only when you have done something suspicious”

but they are NOT cheaters only fools

i was asking for SBI prime in begining they refused, now they are offering me upgrade when i am happy with simplyclick , also their unwritten rule is they dont give simplyclick and simplysave together as they consider it same card.. so i asked them to give simplysave as addon card to simplyclick as the same card wud be given as addon, now they tell no it is different

also if you question them more they will either hung up on you or will escape door like ki sir you are using inappropiate language, wtf??

only ola 7% and simplyclick 1.25% is good rest ALL SBI card up down and center is junk material

I know man such idiots.. and yes I agree that best sbi cards are simply click and ola

good_virus wrote:

How to get that cleartrip voucher?
I crossed 2 lakhs spend on simplyclick in last 6 months, but didn’t receive anything. Is that coming at the end of 1 year?

It comes as a message to registered number automatically in the month next to the completion of milestone

demerius2020 wrote:

already for Amazon ICICI for 5% amazon so amazon shop is out of picture untill yono come with amazon again making it 7.25% with yono+simplyclick, as a matter of fact Rupay 20% is far better then all this once i had suffiecient amt of rupay cards

Amazon asks you to pay 1000( soon 1500) for prime membership so no matter what you are indirectly paying an annual fees.. I know one would argue prime has added benefits but those have been depreciating day by day. yes yono simply click was the best but they’ve removed it.

Sudarshan61 wrote:

Worth adding grab.D.e.a.l benefits on ace…they keep doing flat 10% cash backs on Amazon…axis portal is one of the underrated thing.

Yes, that is true. A few of my friends have cards but they didn’t use it. 2 months ago I taught them and they saved 1000 each easily per month.

If one spends 2000 rupees on utility bills, per month consumption comes down to 24000/anum. Gpay incentive will give you 1080 cashback. Yearly fee can be recovered. But but, Amazon keeps on running offers like 5% cashback on adding money etc. In those cases annual charges are not charged. Take Ace only if you spend heavily on bills n stuff like that. Please choose a card based on your requirements. Cashbacks, rewards are happy coincidences. And they keep on changing offers. Same happened with sabka dulara SBI SimplyClick 🐒

demerius2020 wrote:

100 off on 500 recahrge thru rupay platinum card on amazon/month

100/500=20% (did i miss the math?)

I wasn’t doubting or questioning you. I have a Rupay CC so wanted to use it to avail the offer that you are talking about. I don’t think my card is Platinum variant so I can’t avail the offer.

prem4998 wrote:

I wasn’t doubting or questioning you. I have a Rupay CC so wanted to use it to avail the offer that you are talking about. I don’t think my card is Platinum variant so I can’t avail the offer.

Go to bank
Through your non-platinum rupay card
Say it is junk
Get rupay platinum