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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World Credit Card vs Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureMiles & More Axis Bank World Credit CardShaurya SBI Card
Annual Fee₹3,500₹250
Joining Fee₹3,500₹250
Fee Waiver SpendN/A₹50,000
Base Reward Rate0.9000000000000001%0.0625%
Reward CurrencyAward MilesReward Points
NetworkMastercardRuPay
Editor Rating7.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

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

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Our Verdict

Both Miles & More Axis Bank World Credit Card and Shaurya SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Miles & More Axis Bank World Credit Card if

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

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: Miles & More Axis Bank World Credit Card or Shaurya SBI Card?
Both Miles & More Axis Bank World Credit Card and Shaurya SBI Card 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 Miles & More Axis Bank World Credit Card and Shaurya SBI Card?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, while Shaurya SBI Card has an annual fee of ₹250. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Miles & More Axis Bank World Credit Card or Shaurya SBI Card?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. Shaurya SBI Card offers 0.0625% base rewards with bonuses on CSD and Dining. The better choice depends on your primary spending categories.
Can I have both Miles & More Axis Bank World Credit Card and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World Credit Card and Shaurya 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 Shaurya SBI Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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