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| Feature | SBI Card SBI Cashback Credit Card | Axis Bank Axis Bank Cashback Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | Axis Bank |
| Network | Visa | Visa |
| Annual fee | ₹999 + GST per year | ₹1,000 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹4,00,000 annual spending |
| Base reward rate | 1% | 0.8% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Beauty & wellness | 5% · Selected online merchant cashback | 0.8% · Incremental online cashback |
| Dining & delivery | 5% · Selected online merchant cashback | 0.8% · Incremental online cashback |
| Groceries & essentials | 5% · Selected online merchant cashback | 0.8% · Incremental online cashback |
| Online shopping | 5% · Eligible online shopping cashback | 0.8% · Incremental online cashback |
| Subscriptions & streaming | 5% · Selected online merchant cashback | 0.8% · Incremental online cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Eligible online cashback: ₹2,000/statement cycle · Eligible offline cashback: ₹2,000/statement cycle · Aggregate statement-cycle cashback: ₹4,000/statement cycle | Online cashback: ₹4,000/statement cycle · Utility cashback: ₹100/statement cycle |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹30,000/month |
| Terms verified | 14 Sept 2026 | 21 Sept 2026 |
| Best suited to | People spending ₹15,000+ monthly across various e-commerce and delivery apps. | High online spenders who also want a meaningful uncapped rate on offline and travel spending. |
| Main trade-off | Online and offline cashback are capped separately at ₹2,000 each per statement cycle. Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and other listed categories are excluded. No airport lounge access. | Online cashback is stepped, not flat: you need to cross ₹40,000 in a single month to hit the top 7% tier, and the whole online bucket caps at ₹4,000/month regardless of tier. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
