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| Feature | SBI Card SBI Card MILES | Axis Bank Axis Bank Horizon Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | Axis Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹1,499 + GST per year | ₹3,000 + GST per year |
| Annual fee waiver | At ₹6,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.5% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 1% · Travel Credits on travel | 2% · Travel EDGE rewards |
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 | 24 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 3% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Moderate travel spenders who want transferable rewards and expect to reach ₹5 lakh of eligible yearly spend. | Frequent flyers who book directly with airlines or through Travel EDGE and can use airport lounges. |
| Main trade-off | The displayed value assumes Travel Credits are transferred to eligible airline or hotel partners at ₹1 each. SBI travel bookings value them at ₹0.50 and catalogue redemptions at ₹0.25. | There is no standard spend-based annual-fee waiver, and utilities, insurance, education, rent, fuel and transport transactions are excluded from miles. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
