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Side-by-Side Comparison|Updated March 2026

Axis Bank Aura Credit Card vs SBI Card PRIME

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 PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Aura Credit CardSBI Card PRIME
Annual Fee₹749₹2,999
Joining Fee₹749₹2,999
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.2%0.125%
Reward CurrencyEDGE Reward PointsReward 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 PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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 PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Both Axis Bank Aura Credit Card and SBI Card PRIME 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 PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Axis Bank Aura Credit Card or SBI Card PRIME?
Both Axis Bank Aura Credit Card and SBI Card PRIME 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 PRIME?
Axis Bank Aura Credit Card has an annual fee of ₹749, while SBI Card PRIME has an annual fee of ₹2,999. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Aura Credit Card or SBI Card PRIME?
Axis Bank Aura Credit Card offers a base reward rate of 0.2% with accelerated rewards on Insurance. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Axis Bank Aura Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Aura Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Aura Credit Card or SBI Card PRIME?
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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