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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One Card vs SBI Card - Tata Star Card SELECT

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

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardSBI Card - Tata Star Card SELECT
Annual FeeFree₹2,999
Joining FeeFree₹2,999
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.30000000000000004%1%
Reward CurrencyEDGE Reward PointsReward Point
NetworkVisaMastercard
Editor Rating9.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Burgundy Private - The One Card

No accelerated rewards listed

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

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

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

Our Verdict

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

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Frequently Asked Questions

Which is better: Axis Bank Burgundy Private - The One Card or SBI Card - Tata Star Card SELECT?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Star Card SELECT 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 SBI Card - Tata Star Card SELECT?
Axis Bank Burgundy Private - The One Card has no annual fee, while SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or SBI Card - Tata Star Card SELECT?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. SBI Card - Tata Star Card SELECT offers 1% base rewards with bonuses on Groceries and Dining. The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and SBI Card - Tata Star Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and SBI Card - Tata Star Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Burgundy Private - The One Card or SBI Card - Tata Star Card SELECT?
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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