Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Horizon Credit Card vs SBI Card MILES

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

Axis Bank

Axis Bank Horizon Credit Card

8.2/10
Annual Fee₹3,000
Base Rewards2%
NetworkVisa
View Full Details

SBI Card

SBI Card MILES

7/10
Annual Fee₹1,499
Base Rewards0.125%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Horizon Credit CardSBI Card MILES
Annual Fee₹3,000₹1,499
Joining Fee₹3,000₹1,499
Fee Waiver SpendN/A₹6,00,000
Base Reward Rate2%0.125%
Reward CurrencyEDGE MilesTravel Credits
NetworkVisaMastercard
Editor Rating8.2/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Horizon Credit Card

  • 0% on Direct Airline Websites
  • 0% on Axis Bank Travel EDGE Portal

SBI Card MILES

  • 0% on Travel

Pros & Cons

Axis Bank Horizon Credit Card

Pros

  • High domestic lounge access limit of up to 32 visits per year.
  • Accelerated 5 EDGE Miles per ₹100 on direct airline spends and Travel EDGE.
  • 1:1 transfer ratio to 15+ major airline and hotel partners.
  • Welcome bonus of 5,000 EDGE Miles effectively offsets the joining fee.

Cons

  • No annual fee waiver based on spending milestones.
  • Standard 3.5% forex markup is high for a travel-focused card.
  • Reward exclusions on utilities, rent, fuel, and insurance.

SBI Card MILES

Pros

  • 1:1 conversion ratio for Travel Credits to 20+ airline and hotel partners
  • Accelerated 2 Travel Credits per ₹200 on all travel-related spends
  • Additional domestic lounge visits (up to 8) based on spend milestones of ₹1 Lakh each
  • Annual fee waiver on reasonable spend threshold of ₹6 Lakhs

Cons

  • Low base reward rate of 0.5% (1 TC per ₹200) on non-travel spends
  • No complimentary international lounge visits included despite Priority Pass membership
  • Priority Pass membership is only complimentary for the first 2 years

Our Verdict

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

Choose Axis Bank Horizon Credit Card if

Offers one of the highest domestic lounge access limits (8/quarter) in its fee segment.

Choose SBI Card MILES if

Strong domestic lounge access and 1:1 transfer to domestic airlines like Air India and SpiceJet.

Frequently Asked Questions

Which is better: Axis Bank Horizon Credit Card or SBI Card MILES?
Axis Bank Horizon Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card MILES could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Horizon Credit Card and SBI Card MILES?
Axis Bank Horizon Credit Card has an annual fee of ₹3,000, while SBI Card MILES has an annual fee of ₹1,499. SBI Card MILES offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Axis Bank Horizon Credit Card or SBI Card MILES?
Axis Bank Horizon Credit Card offers a base reward rate of 2% with accelerated rewards on Direct Airline Websites and Axis Bank Travel EDGE Portal. SBI Card MILES offers 0.125% base rewards with bonuses on Travel. The better choice depends on your primary spending categories.
Can I have both Axis Bank Horizon Credit Card and SBI Card MILES?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Horizon Credit Card and SBI Card MILES can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Horizon Credit Card or SBI Card MILES?
For beginners, SBI Card MILES may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Horizon Credit Card vs SBI Card MILES ELITESBI Card MILES vs SBI Card MILES ELITE

Explore More

Axis Bank Horizon Credit Card Full ReviewSBI Card MILES Full ReviewAll Axis Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips