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Side-by-Side Comparison|Updated March 2026

Axis Bank Aura Credit Card vs SBI Card ELITE

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Aura Credit CardSBI Card ELITE
Annual Fee₹749₹4,999
Joining Fee₹749₹4,999
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.2%0.5%
Reward CurrencyEDGE Reward PointsSBI Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Aura Credit Card

  • 0% on Insurance

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

Pros & Cons

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

Both Axis Bank Aura Credit Card and SBI Card ELITE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Choose SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: Axis Bank Aura Credit Card or SBI Card ELITE?
Both Axis Bank Aura Credit Card and SBI Card ELITE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Aura Credit Card and SBI Card ELITE?
Axis Bank Aura Credit Card has an annual fee of ₹749, while SBI Card ELITE has an annual fee of ₹4,999. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Aura Credit Card or SBI Card ELITE?
Axis Bank Aura Credit Card offers a base reward rate of 0.2% with accelerated rewards on Insurance. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Axis Bank Aura Credit Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Aura Credit Card and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Aura Credit Card or SBI Card ELITE?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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