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| Feature | Axis Bank Axis Bank Magnus Credit Card | SBI Card SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | SBI Card |
| Network | Visa + RuPay | Visa |
| Annual fee | ₹12,500 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹25,00,000 annual spending | At ₹10,00,000 annual spending |
| Base reward rate | 1.2% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.2% · Standard and accelerated monthly rewards | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 1.2% · Standard and accelerated monthly rewards | 2.5% · Dining and grocery bonus |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2% | 2.0% |
| Monthly income requirement | Approx. ₹2,00,000/month | Not listed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | High spenders who use lounges frequently and can extract value from Travel EDGE transfers. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| Main trade-off | The ₹12,500 fee and ₹25 lakh waiver threshold are very high. Most catalogue redemptions value points at ₹0.20, transfer ratios vary, and regulated categories plus accelerated-portal spend have detailed exclusions. | The ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
