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| Feature | Axis Bank Axis Bank My Zone Credit Card | SBI Card SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | SBI Card |
| Network | Mastercard | Visa |
| Annual fee | ₹500 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹3,00,000 annual spending |
| Base reward rate | 0.4% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.4% · Eligible EDGE Reward Points | 2.5% · Birthday-window bonus |
| Entertainment & movies | Excluded | 2.5% · Birthday-window bonus |
| Groceries & essentials | 0.4% · Eligible EDGE Reward Points | 2.5% · Birthday-window 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 | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Entry-level users who value occasional lounge access and streaming/dining offers over raw cashback %. | Higher-spend households that regularly use movies, dining and groceries and can reach ₹5 lakh of eligible annual spend. |
| Main trade-off | Lounge access requires meeting a prior-quarter spend condition: it isn’t unconditional despite the low fee. | Four points equal ₹1 and redemption requests can attract a fee. Accelerated lifestyle points are capped monthly; government, gaming, fuel, rent and several financial transactions earn no points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
