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Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus Credit 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 Magnus Credit Card

8/10
Annual Fee₹12,500
Base Rewards0.2%
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 Magnus Credit CardSBI Card - Tata Star Card SELECT
Annual Fee₹12,500₹2,999
Joining Fee₹12,500₹2,999
Fee Waiver Spend₹25,00,000₹3,00,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsReward Point
NetworkVisaMastercard
Editor Rating8/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Magnus Credit Card

No accelerated rewards listed

SBI Card - Tata Star Card SELECT

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

Pros & Cons

Axis Bank Magnus Credit Card

Pros

  • High reward rate of 17.5 EDGE points per ₹200 on spends above ₹1.5 Lakhs monthly.
  • Unlimited domestic and international lounge access for primary and add-on cardholders.
  • Low foreign currency markup fee of 2% for international transactions.
  • Welcome benefit voucher worth ₹12,500 effectively offsets the joining fee.

Cons

  • Significant devaluation in 2024 removed monthly milestone bonuses and concierge services.
  • High annual fee waiver threshold of ₹25 Lakhs is difficult for most users to reach.
  • Reward points transfer ratio to air miles reduced from 5:4 to 5:2 for non-Burgundy users.

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

Both Axis Bank Magnus Credit Card and SBI Card - Tata Star Card SELECT are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Magnus Credit Card if

Best value is unlocked after crossing the ₹1.5 Lakh monthly spend threshold.

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 Magnus Credit Card or SBI Card - Tata Star Card SELECT?
Both Axis Bank Magnus Credit Card and SBI Card - Tata Star Card SELECT are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Magnus Credit Card and SBI Card - Tata Star Card SELECT?
Axis Bank Magnus Credit Card has an annual fee of ₹12,500, while SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999. Axis Bank Magnus Credit Card offers a fee waiver on ₹25,00,000 annual spend. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Magnus Credit Card or SBI Card - Tata Star Card SELECT?
Axis Bank Magnus Credit Card offers a base reward rate of 0.2%. 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 Magnus Credit Card and SBI Card - Tata Star Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus Credit 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 Magnus Credit Card or SBI Card - Tata Star Card SELECT?
For beginners, SBI Card - Tata Star Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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