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Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold Credit Card vs CASHBACK 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 Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Easy Gold Credit CardCASHBACK SBI Card
Annual Fee₹100₹999
Joining FeeFree₹999
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkVisaVisa
Editor Rating5.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

CASHBACK SBI Card

  • 0% on Online Spends

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

Our Verdict

CASHBACK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Choose CASHBACK SBI Card if

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

Frequently Asked Questions

Which is better: Axis Bank Easy Gold Credit Card or CASHBACK SBI Card?
CASHBACK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and CASHBACK SBI Card?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while CASHBACK SBI Card has an annual fee of ₹999. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or CASHBACK SBI Card?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. CASHBACK SBI Card offers 1% base rewards with bonuses on Online Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Easy Gold Credit Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and CASHBACK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or CASHBACK SBI Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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