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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One Card vs Delhi Metro 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

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardDelhi Metro SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate0.30000000000000004%0.25%
Reward CurrencyEDGE Reward PointsReward Points
NetworkVisaVisa
Editor Rating9.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Burgundy Private - The One Card

No accelerated rewards listed

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

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

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

Our Verdict

Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro 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 Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Frequently Asked Questions

Which is better: Axis Bank Burgundy Private - The One Card or Delhi Metro SBI Card?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro 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 Delhi Metro SBI Card?
Axis Bank Burgundy Private - The One Card has no annual fee, while Delhi Metro SBI Card has an annual fee of ₹499. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or Delhi Metro SBI Card?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. Delhi Metro SBI Card offers 0.25% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and Delhi Metro SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and Delhi Metro 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 Delhi Metro 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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