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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World Credit Card vs Lifestyle Home Centre Max SBI Card

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

Axis Bank

Miles & More Axis Bank World Credit Card

7.2/10
Annual Fee₹3,500
Base Rewards0.9000000000000001%
NetworkMastercard
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SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMiles & More Axis Bank World Credit CardLifestyle Home Centre Max SBI Card
Annual Fee₹3,500₹499
Joining Fee₹3,500₹499
Fee Waiver SpendN/AN/A
Base Reward Rate0.9000000000000001%0.25%
Reward CurrencyAward MilesReward Points
NetworkMastercardVisa
Editor Rating7.2/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Pros & Cons

Miles & More Axis Bank World Credit Card

Pros

  • Generous welcome bonus of 5,000 Award Miles upon first transaction
  • Annual renewal bonus of 3,000 Award Miles ensures recurring value
  • Miles do not expire as long as you hold the card and make at least one miles-earning purchase per month
  • High reward rate on movie spends (20 miles per ₹200 spent)

Cons

  • High annual fee of ₹3,500 with no specified spend-based waiver
  • Domestic lounge access is subject to a spend of ₹50,000 in the previous 3 months
  • Miles are primarily valuable for Star Alliance partners, limiting flexibility compared to generic points

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

Our Verdict

Miles & More Axis Bank World Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Miles & More Axis Bank World Credit Card if

Travelers who frequently fly with Lufthansa, Swiss Air, or other Star Alliance partners.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Frequently Asked Questions

Which is better: Miles & More Axis Bank World Credit Card or Lifestyle Home Centre Max SBI Card?
Miles & More Axis Bank World Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Miles & More Axis Bank World Credit Card and Lifestyle Home Centre Max SBI Card?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, while Lifestyle Home Centre Max SBI Card has an annual fee of ₹499.
Which card has better rewards: Miles & More Axis Bank World Credit Card or Lifestyle Home Centre Max SBI Card?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. Lifestyle Home Centre Max SBI Card offers 0.25% base rewards with bonuses on Landmark Stores - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Miles & More Axis Bank World Credit Card and Lifestyle Home Centre Max SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World Credit Card and Lifestyle Home Centre Max SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Miles & More Axis Bank World Credit Card or Lifestyle Home Centre Max SBI Card?
For beginners, Lifestyle Home Centre Max SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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