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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One Card vs Lifestyle Home Centre Max SBI Card

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

Axis Bank

Axis Bank Burgundy Private - The One Card

9.5/10
Annual FeeFree
Base Rewards0.30000000000000004%
NetworkVisa
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SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardLifestyle Home Centre Max SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/AN/A
Base Reward Rate0.30000000000000004%0.25%
Reward CurrencyEDGE Reward PointsReward Points
NetworkVisaVisa
Editor Rating9.5/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Burgundy Private - The One Card

No accelerated rewards listed

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Pros & Cons

Axis Bank Burgundy Private - The One Card

Pros

  • Zero forex markup and zero cash withdrawal charges globally
  • Unlimited domestic and international lounge access for primary and add-on members
  • 12 complimentary guest visits per year for airport lounges
  • Complimentary premium hotel memberships: Club Marriott, Accor Plus, and Taj Epicure

Cons

  • Extremely high eligibility barrier requiring ₹5 Crore TRV
  • Reward points excluded on fuel, utilities, government, and gold spends
  • Welcome bonus of 30,000 points discontinued as of April 2024

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

Our Verdict

Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Burgundy Private - The One Card if

Best-in-class lifestyle and travel benefits with zero transaction fees and high-value hotel memberships.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Frequently Asked Questions

Which is better: Axis Bank Burgundy Private - The One Card or Lifestyle Home Centre Max SBI Card?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Burgundy Private - The One Card and Lifestyle Home Centre Max SBI Card?
Axis Bank Burgundy Private - The One Card has no annual fee, while Lifestyle Home Centre Max SBI Card has an annual fee of ₹499.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or Lifestyle Home Centre Max SBI Card?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. Lifestyle Home Centre Max SBI Card offers 0.25% base rewards with bonuses on Landmark Stores - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and Lifestyle Home Centre Max SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and Lifestyle Home Centre Max SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Burgundy Private - The One Card or Lifestyle Home Centre Max SBI Card?
For beginners, Axis Bank Burgundy Private - The One Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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