Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
View Full Details

SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Kwik Credit CardCASHBACK SBI Card
Annual FeeFree₹999
Joining FeeFree₹999
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkRuPayVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

CASHBACK SBI Card

  • 0% on Online Spends

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

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 Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

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 Kwik Credit Card or CASHBACK SBI Card?
CASHBACK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik 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 Kwik Credit Card and CASHBACK SBI Card?
Axis Bank Kwik Credit Card has no annual fee, while CASHBACK SBI Card has an annual fee of ₹999. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Kwik Credit Card or CASHBACK SBI Card?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. 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 Kwik Credit Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik Credit Card and CASHBACK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Kwik Credit Card or CASHBACK SBI Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Kwik Credit Card vs Axis Bank ACE Credit CardCASHBACK SBI Card vs Axis Bank ACE Credit Card

Explore More

Axis Bank Kwik Credit Card Full ReviewCASHBACK SBI Card Full ReviewAll Axis Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips