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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World Credit Card vs SBI Card AURUM

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

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMiles & More Axis Bank World Credit CardSBI Card AURUM
Annual Fee₹3,500₹9,999
Joining Fee₹3,500₹9,999
Fee Waiver SpendN/A₹12,00,000
Base Reward Rate0.9000000000000001%1%
Reward CurrencyAward MilesAURUM Reward Point
NetworkMastercardVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

SBI Card AURUM

No accelerated rewards listed

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

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Miles & More Axis Bank World Credit 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 SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Miles & More Axis Bank World Credit Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Miles & More Axis Bank World Credit 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 SBI Card AURUM?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, while SBI Card AURUM has an annual fee of ₹9,999. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Miles & More Axis Bank World Credit Card or SBI Card AURUM?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Miles & More Axis Bank World Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Miles & More Axis Bank World Credit Card or SBI Card AURUM?
For beginners, Miles & More Axis Bank World Credit Card may be more approachable with a lower annual fee of ₹3,500. However, evaluate based on your expected spending pattern rather than fee alone.

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