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Side-by-Side Comparison|Updated March 2026

Axis Bank Miles & More World Select Credit Card vs Air India SBI Signature Card

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

Axis Bank

Axis Bank Miles & More World Select Credit Card

8/10
Annual Fee₹4,500
Base Rewards0.75%
NetworkMastercard
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Miles & More World Select Credit CardAir India SBI Signature Card
Annual Fee₹4,500₹4,999
Joining Fee₹10,000₹4,999
Fee Waiver SpendN/AN/A
Base Reward Rate0.75%0.25%
Reward CurrencyAward MilesReward Points / Maharaja Points
NetworkMastercardVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Miles & More World Select Credit Card

  • 0% on Lufthansa Bookings

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

Axis Bank Miles & More World Select Credit Card

Pros

  • Generous welcome bonus of 15,000 Award Miles on card activation.
  • High domestic lounge access limit of 32 complimentary visits per year (8 per quarter).
  • Award Miles never expire as long as you hold the credit card.
  • Significant dining discounts of up to 40% via EazyDiner (up to Rs. 1,000).

Cons

  • High joining fee of Rs. 10,000 with no standard annual fee waiver spend.
  • Domestic lounge access is contingent on spending Rs. 50,000 in the previous 3 months.
  • Extremely high APR of 55.55% per annum.

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

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

Choose Axis Bank Miles & More World Select Credit Card if

Ideal for those who frequently fly with Lufthansa or Star Alliance partners to maximize Award Miles redemption.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: Axis Bank Miles & More World Select Credit Card or Air India SBI Signature Card?
Axis Bank Miles & More World Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Air India SBI Signature Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Miles & More World Select Credit Card and Air India SBI Signature Card?
Axis Bank Miles & More World Select Credit Card has an annual fee of ₹4,500, while Air India SBI Signature Card has an annual fee of ₹4,999.
Which card has better rewards: Axis Bank Miles & More World Select Credit Card or Air India SBI Signature Card?
Axis Bank Miles & More World Select Credit Card offers a base reward rate of 0.75% with accelerated rewards on Lufthansa Bookings. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Miles & More World Select Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Miles & More World Select Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Miles & More World Select Credit Card or Air India SBI Signature Card?
For beginners, Axis Bank Miles & More World Select Credit Card may be more approachable with a lower annual fee of ₹4,500. However, evaluate based on your expected spending pattern rather than fee alone.

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