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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik Credit Card vs SBI Card PRIME

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
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Kwik Credit CardSBI Card PRIME
Annual FeeFree₹2,999
Joining FeeFree₹2,999
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.04000000000000001%0.125%
Reward CurrencyEDGE Reward PointsReward Points
NetworkRuPayVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Axis Bank Kwik Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Axis Bank Kwik Credit Card or SBI Card PRIME?
Axis Bank Kwik Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME?
Axis Bank Kwik Credit Card has no annual fee, while SBI Card PRIME has an annual fee of ₹2,999. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Kwik Credit Card or SBI Card PRIME?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Axis Bank Kwik Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Kwik Credit Card or SBI Card PRIME?
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.

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